When is the right time to have a Backup plan?

WHEN IS THE RIGHT TIME TO HAVE A BACKUP PLAN?

There are so many lifestyles that are created…. you can control and nurture, but there are times in life when it doesn't matter if you are rich or poor or even between. 

Sickness does not care how much money you have … being seriously injured in a car accident happens to people of all races, creeds and statures and we all know that death can come knocking at the most inopportune time …

We may not be able to control these events or even others like robbery, fire, flood, earthquake but you can control how you and your family react.

With this revolutionary new APP you can rest assured that the family and friends involved in any given life event or tragedy can carry on, and continue a life or in some cases, finish one.  With the help of YOUR BACKUP PLAN MOBILE APP, all the precious and valuable information that makes up one person’s life is contained in a secure easy and user-friendly app. 

In designing this, I was surprised with how much information makes up one person’s life. It is so much more than a will and with only short moments to complete each section, you and your family will be prepared for everything and anything that life gives you.

By using this, the people involved can use their energy to help support, care and manage the injured loved one and not have to spend valuable time searching for important papers and documents. There are so many feelings that occur in times of trouble….

Why worry when some unforeseen circumstance happens that only adds to the immense amount of sorrow and confusion already….

Get The App!   This is Your Backup Plan …… You will be glad you did. 

Now on Google play & Itunes

http://www.yourbackupplan.ca

BEST NEW APP for backing up your Life

A world changing idea.

 This Backup Plan technology takes on one of the world’s biggest problems.

Let’s take some time to talk about something taboo in our culture: death, sickness or a disability. With so many disasters coming your way how can you possibly recover from them every time everywhere.

Chances are if you’re reading this, you know someone either distant or close to you that has experienced one of these. You read this, you make dinner, or lunches for the kids, and you forget about it. So the concept of an innovative system that provides you and your family peace of mind may not appeal to some of you because it will never happen to you; but it’s a simple technological innovation that could help millions of lives around the world.

The facts are that it will happen, because we don’t get up in the morning to plan for a tragedy, or a disaster. They just happen.

Whether you are single or have a partner, everyone’s Life puzzle is complicated and unique. Your family or friends may not know all the details of your puzzle but when tragedy hits your life – your family or friends will need a very quick recovery to that valuable information!

That’s when Your Backup Plan enables you and your family to put your life’s puzzle back together.

Now available on Google play and Itunes

www.yourbackupplan.ca

Emergency comes in all shapes and sizes

Emergency comes in all shapes and sizes!

When is it an emergency? When my lights don't turn on with a flick of a switch or when your mortgage or loan gets called in?

Or is it when your daughter tattoos her body parts, or those torture devices, spacers or earlobe ex-panders!

I think we need to pick our fights especially with all of the emergencies that can happen to us at any time anywhere! Our emergencies might consist of divorce especially when it's unexpected, car accidents, work accidents, medical, travel emergency, loss of your passport, wallet stolen, break in , theft, identity stolen, business partnership divorce, disease and illnesses, your children's illness, death in the family, estate planning, the list can go on. Can you think of any others?

When do you stress over things that come up in your life? 

It's been proven that we stress more over things in life that we haven't planned for or that come up suddenly! We are wondering what stance to take on a subject, emotionally tied to the outcome, frustration with the humiliation,  embarrassment from the monies owed or the care required, and of all the things that you have to deal with. Making decisions. Because it is real, and there is an outcome and you have to make decisions even as hard as they are.
Why then we do we stress over these types of emergencies? 

Because we haven't planned for that type of change in our family life. Do a little bit of planning and you can deal with whatever comes your way small or big!

So, I can make some of those worries go away at least by having a plan , finding out how you can do that is by contacting our website and getting parts of your plan organized by a few punches of your APP!

www.yourbackupplan.ca

tina@yourbackupplan.ca

Is winning the lottery the same as hearing you have Cancer?

We know it’s not “will we” experience a tragedy, it’s is “when we” experience some sort of tragedy and how we deal with it and how well we are prepared. 

This makes the difference from perhaps foreclosure, bankruptcy, divorce, family divorce, credit or money issues, employment, and emotional depression and loss in the family. 

Other issues always arrive from winning the lottery to a family member falling into a coma! 

You need answers!

Where are their accounts, how do you access them, what do they have, what dog food do you buy, where will the kids go, how do I pay the bills, how do you get in their house?

They are all issues that need to have some planning. 

And if we have a backup plan for coaching a baseball team, because you never know what team is going to play on the field on which day just in case. 

Why not have a plan b for your team? Your family matters.

How do we deal with finding out that you have terminal cancer, or that my partner is in the hospital for 3 months after a car accident? 

How do we know where your “stuff” is if both of you become injured in an accident?

But, being prepared means we have our information all in one safe and secure place, and we have gone through all of the questions asked about “What if” so when something does occur in our lives we have answers and solutions to all of those types of devastating tragedies that can turn any family rich or poor upside down.

www.yourbackupplan.ca

tina@yourbackupplan.ca

Tweet: TinaOlexaBC

As a Business owner how can I protect my wife and kids

A BUSINESS OWNER: 

Q. “A colleague of mine passed away suddenly and I had the opportunity to see first-hand the financial and emotional hardship he and his family are dealing with on an on-going basis because he had no plan for the unexpected events. How can I protect my wife and kids in case something happens to me? ” 

It is understandable that as the provider and protector of your family, you want to ensure that they financially and emotionally secure.  Have a succession plan for your business and leave your personal life in order.  Here are the top 10 tips to protect you, your spouse and family in case of any tragedy--

1-      Short term disability and long term disability policies will ensure that you have sufficient income to provide assistance to you and your family for living expenses, prescriptions, tests or treatments.

2-      A medical care policy that will care for you or a loved one in case of extreme disability, dementia, or sickness is very different than a disability policy. It will provide you with the medical attention, housing or care-aids when required.

3-      A power of attorney with delegation to a family member or trusted advisor will allow temporary decision-making on your behalf a simpler process.   

4-      A current last will and testament, a living will and a medical directive are all important so that your wishes are clear to family, healthcare providers and legal counsel.  If you don’t have these, do it now.

5-      Keep a current contact list for your lawyers, accountants, bankers, consultants, agents, advisors, managers, friends and associations. 

6-      Keep a copy of your birth and marriage certificates on file and easily accessible.  They may be needed when dealing with government agencies and when applying for transfer of benefits to your spouse.

7-      Consider life insurance that doesn't change in frequency, payment or benefit during your lifetime. That way it will be with you and your family forever without having to pay more, or lose it.

8-      Consider creating trusts for your family members. This can be a reliable income stream for family members without it being taxed as income.  Check with your accountant or financial planner on the current regulations.

9-      Organize personal bills and make notations for others that are left behind since so many bills are now e-statements.

10-   Keep a register (list and copies) of all of the aforementioned documents and information PLUS the registered owners of your personal assets such as your accounts, investments, property, safety deposit box, and vehicles in one place that is easy to find by your family.  

Tina Olexa is a financial advisor, mother and a small business owner. In her role as financial advisor for over a decade with many individuals, she has witnessed many tragic events in her clients’ lives – from health-related to sudden, unexpected tragedies.  

Tina developed Your Backup Plan system to ensure that her clients are prepared and their families are protected when hardship occurs. 

Follow her on Twitter @TinaOlexaBC.

To read more about Your Backup Plan, visit www.yourbackupplan.ca

Do you know what's in your purse? You should.

DAY 18 TIP OF THE DAY - 60 DAY CHALLENGE OFFER

Feb 18-2013

Do you know what's in your purse? If your purse was stolen today could you list everything in your purse right now and especially any cards that in your wallet?

We help set you up to ensure that you have a system in place in case you have your wallet or purse stolen.  What is the damage that can be done with your identity?

The cost of recovering is too late as well as a fire burning your house down. They are just waiting to prey on us! 

"You say, it won't happen to me!"

Think again!

Check out our Register Today page .....

Let's Expect the Unexpected and get prepared with YOUR BACKUP PLAN!

http://www.yourbackupplan.ca/news-blogs

What's your hobby? Collecting hot rods, cars, fire trucks

DAY 9 TIP OF THE DAY - 60 DAY CHALLENGE OFFER

Feb 9-2013

What happens if your spouse collects any special types of things? For example hot rods, or antique cars, or fire trucks, etc. How do we ensure that the one left behind doesn't get shafted by a fire sale? Because someone bought them next to nothing because the spouse didn't know any different. What can we do?

Setting up a system in place to look after, where to sell them, photos of the items, ideas of sale prices, and who to speak to will allow an easier transition for moving the items to a proper cost for those that are left behind.

Let's Expect the Unexpected and get prepared with YOUR BACKUP PLAN!

http://www.yourbackupplan.ca

BUILDING YOUR INCOME THROUGH TAXES?

DAY 19 TIP OF THE DAY - 60 DAY CHALLENGE OFFER

Feb 19-2013

Building you income through taxes? What?

Live the dream and work from home.
By creating a home-based business—even a part-time business—you are entitled to claim a deduction for a portion of home costs. This includes: mortgage interest, property taxes, utilities, repairs, landscaping and maintenance costs.

Just remember that you have to have a reasonable expectation of profit in order for the business to be legitimate, according to the tax man.

Let's Expect the Unexpected and get prepared with YOUR BACKUP PLAN!

Do you dread the Cancer Word?

DAY 8 TIP OF THE DAY - 60 DAY CHALLENGE OFFER

THE CANCER WORD

Feb 8-2013

What happens if you were to hear the dreaded cancer word? What can we do in our lives to be better prepared for our loss of income, our family emotional stress, and our life changes? Check it out.

It has a huge impact not just financially on the family but the complete picture of jobs, career, happiness, physical abilities, and children come into play.

What can help the situation is to be putting some protection into place so that you can afford to some different things when you have to. Purchase expensive pills, or insulin. Purchase expensive treatments, move to a certain city where they have a treatment that will help you and so on.  The kids of protection that are available to us now, are fantastic! You can have protection with some coverage to ensure that you will have some money to look after loss of income, mortgage or bill payments, and take that stress out of the picture. You can pay into the coverage and then ask to have all your premiums back if you don't use it!  So, why not, does that cost anything? Some years packing away the premiums to ensure you have a sense of certainty. That's priceless!

Let's Expect the Unexpected and get prepared with YOUR BACKUP PLAN!

I hate passwords!

DAY 7 TIP OF THE DAY - 60 DAY CHALLENGE OFFER

WHAT PASSWORDS!

Feb 7-2013

Your Passwords! Yikes! Everybody hates the never-ending passwords that we have to remember all of the time. Do you have a system in place to remember them yourself or for others??

Even your kids, I have a client where the son passed away and their Facebook page is still there. Not really what they wanted to have, don't just look after yourself but your kids too!

Let's Expect the Unexpected and get prepared with YOUR BACKUP PLAN!

What do I have in Employer Benefits?

DAY 6 ~TIP OF THE DAY - 60 DAY CHALLENGE OFFER

EMPLOYER BENEFITS

Feb 6-2013

OUR LIFE INSURANCE- are we using life insurance solely on our Group benefit package from work? Do we know what that looks like?

Employer benefits or Group Benefits are owned by the Employer. The Employer can change it, cancel it or alter it at anytime!

They usually have maximum on the plans for employees, and have restrictions based on your health for any more coverage. It's not flexible, even though they say they are. They are so expensive after retiring that it is definitely not transferable.

So, get your own coverage that is owned by yourself and is flexible.

Let's Expect the Unexpected and get prepared with YOUR BACKUP PLAN!

Who's going to pay your bills when you can't?

60 DAY CHALLENGE DAY 5 ~TIP OF THE DAY - 

WHAT ARE YOUR BILLS?

Feb 5 - 2013

Our Bills to pay each and every month. How do we keep track of them now? Now, if we were taken out of the picture for a few months, ............... how would we set up our bills for someone else to look after? 

Would it be different than what you are doing now?

With our system you can alter the way you pay bills so that anyone can take over where you left off. There are passwords, whether you pay online or at the bank, or by phone. Get your system in place it's important that you can keep it private but know that it's there in case you needed it!

Let's Expect the Unexpected and get prepared with YOUR BACKUP PLAN!

What about your Medical records?

60 DAY CHALLENGE 

DAY 2~TIP OF THE DAY - YOUR MEDICAL 

RECORDS

 Feb 2 -2013

Where are all your Medical records? Only the nurses in our BC Medical system realize that our hospitals in most cases don't share YOUR MEDICAL records with any other hospital.
So, I'll give you an example.
You have a blood clot appear all of a sudden in your leg and you get rushed to one of the hospitals in Abbotsford or Chilliwack or the Okanagan. They are asking for your medical records to see if you are allergic to anything, or what medications that you've had, or what you have you a reaction to etc. No one will know the information about your blood type, your last test results, or even what would be the best treatment advice considering your own records.
Without any difficulties you can get a family member to pull out your medical records and get them to you. With no effort all of your documents and information is kept all in one place!
Let's Expect the Unexpected and get prepared with YOUR BACKUP PLAN!

Join our 60-Day Challenge

Your Backup Plan Seminars
6 REASONS TO JOIN OUR 60-DAY CHALLENGE!
1- Get organized for when a Tragedy hits you LIKE A TRUCK! You don't even see it coming!
2- Worried about a Fire/ Theft or Fraud?  You can be better prepared!
3- Plan for all of those What if's to ensure you still have an income to pay your bills
4- Worried about who will look after the kids and pets? You should be!
5- Planning on saving for your Retirement? Save is what they say, or is it?
6- Securely manage your own Emergency plan
If you don't who will?
Let's Expect the unexpected and get prepared with YOUR BACKUP PLAN!
A tool for organizing tips, emergency preparedness, and having a Plan B. A system to guide you on What if. Organize, retirement plan and how to be prepared! For that disability, natural disaster, earthquake, theft, fraud, flood, sickness, death, pay bills, survival kit, budget, medical emergency, and now do you understand? Everything in one place!
http://www.yourbackupplan.ca