This is simply the hard reality of the times we live in. Economic times are unpredictable at best and things aren't as simple as they were in our parents or grandparents lifetimes. We can no longer rely on the government to take care of us. We must learn to be self-sufficient for our own benefit and survival. For decades economics segmented Americans into classes (poor, middle and upper) This ideal really no longer applies.
Today, Americans are better classified as those who are financially secure and those who are not. Secure or unsecured. Which are you?
Lets start with some simple questions you can ask yourself. This will tell you which class you fall into. Brace yourself. You may be surprised from what you find out.
Question 1 -
Do you have a guaranteed, Tax-Free, vested retirement plan in place?
Comments to consider before answering = Remember, inflation is key, the cost of living will be higher when you retire. Take this into account when answering this question and in choosing how much to invest now, so that your needs are met then.
Question 2 -
Are you and your family under adequate "permanent" insurance protection? Both Life and Medical?
Comments to consider before answering = Are you protected for later in life when the inevitable truth of life affects you personally? You cannot rely on social security or medicare to provide for you.
There is one fact of life we all like to avoid or ignore. The older we get to more we are exposed to losing loved ones. As a provider for your family its as important to consider the welfare of your family when you are gone as it is to take care of them today. Are you the primary provider for your family? Experts say you should have enough coverage to cover 10 years of annual income. Is your insurance coverage adequate to cover expenses and provide you and or your family with the revenue needed to continue on with life's expenses? Or will they suffer the loss of your income and become poor themselves.
Its shocking how many Americans are fine today..... income is good, life is comfortable. THEN an accident takes a loved one unexpectedly. No insurance........no retirement or pension....loss of income and increased expenses....a family to support. Your life turns upside down in a no time. Starting over after living for years as a homemaker is a tragedy and can be avoided.
Folks, the old adage and jokes about Insurance Agents are silly. These professionals save lives. MAKE CERTAIN YOU PROVIDE FOR YOUR FAMILY ADEQUATELY SO THAT THEY ARE NOT BURDENED WHEN THE TIME COMES.
Question 3 -
Do you have a strategy to have your debt reduced to zero by the time you reach your targeted retirement age?
Comments to consider before answering = What is your Strategy? Think it through. Remember a plan is about self-sufficiency....a plan is not relying on an inheritance, winning the lottery or selling the house in 30 years. Its a strategic plan so all debt is gone when the time comes.
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If you answered Yes to these 3 questions we will refer to you as "Group One".
Those in "Group One" are the small percentage of those Americans who are most likely to see some form of retirement.
Good for you, remember to meet with your trusted insurance agent and financial/mortgage planner for ANNUAL REVIEWS of your strategy. Just as you change with the world around you, so to can your needs. Stay on top of them.
NOTICE - If you do not have trusted relationships with either an insurance professional or a financial/mortgage planner we encourage you to come visit us at the HVH Group. We will start with a fast and complimentary Financial Evaluation and provide you with a customized plan to protect you and your family. We always welcome new members into our family, visit http://www.hoskinsvanhorn.com or contact us directly at 800-664-0510.
If you answered No to any of these questions, we will refer to you as "Group Two" and rest assured we have some advice to offer those of you in this category. Because "Houston, YOU have a problem". That's right, you are in danger, like many Americans, of spending your remaining GOLDEN YEARS at some level of poverty.
Group Two, you need to contact us right away and see the NOTICE section above
Call or email us right away.
Toll Free - 800-664-0510
Email - hvhgroup@aol.com
Those in Group Two need the assistance of the following:
- Professional Insurance Agent
- Professional Mortgage and Financial Planner
- Professional United 1st Financial Agent
All of which can be found by calling the Hoskins Van Horn Groups professional advisers.
We will take care of the worry and educate you about the Money Merge Account system and how it can work to help you pay off your home in a fraction of the time for a fraction of the interest cost, as well as show you how this system will CREATE your retirement for you, best of all.....using the banks $$$.
You do not have to live in uncertainty anymore.
Call us today!
Jason Hoskins, President-Mortgage/Financial Planner-Money Merge Account Specialist
800-664-0510
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