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

Don't forget to complete your Home Owner's grant!

Don't forget to pay your City property taxes today!

You don't need to stand in a line-up anymore! Complete your home owner's grant and pay on-line! 

BC Home Owners: Tax Deferment Program

Why not? Great re-payment process check out the interest rates!

1. The Families with Children Property Tax Deferment Program
2. 55 years or older anytime during the current taxation year (only one spouse must be 55 or older), or a surviving spouse of any age and a registered owner, or a person with disabilities 

Tax Deferment Program is an option available to assist families during those years when household costs can be the highest. It is a loan program that allows you to defer all or part of your current annual property taxes on your principal residence. Principal residence is your home where you live and conduct your daily activities.

Apply online with Government BC website

http://www.sbr.gov.bc.ca/individuals/Property_Taxes/Property_Tax_Deferment/ptd.htm

More tips found in our 1-stop system for your Backup Plan

tina@yourbackupplan.ca

How long can you go without your Paycheck?

DAY 28 TIP OF THE DAY - 60 DAY CHALLENGE OFFER

Feb 28-2013

Protecting your paycheck is all about YOU! How do you do that?There are many different ways-  Next video part 3 of protecting your Paycheck!

The 3rd option is to have your paycheck covered with disability insurance with injury and sickness covered in that. 

Of course you can reduce the premium amounts by starting the disability after a longer waiting period and having a smaller savings account to cover you for the difference. 

ADD IN a RETURN OF PREMIUM with your disability product so that everything that you pay after a certain length of time and no claims - you can get ALL your premiums back! 

START YOU FORCED SAVINGS PLAN - you have the coverage while you need it + you even have a pension for yourself after! 

What a great idea!

Call us for more information- support@yourbackupplan.ca

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

http://www.yourbackupplan.ca

Join Your Backup Plan today, and don't wait - it doesn't wait!

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!

Could you survive financially if you fell ill? - December - 2011 - Which? News

Could you survive financially if you fell ill? - December - 2011 - Which? News


New Unum app helps you work out protection needs
09 December 2011

An income protection insurance policy could help you survive financially if you're off work for a long period due to sickness or accident

Income protection provider Unum has launched a new app which enables users to calculate how long they'd be able to survive financially if they were unable to work due to illness or injury.
Nine out of 10 people don't have a back-up plan to support themselves if they lose their income due to illness or injury. Many will rely on credit cards, loans or support from family or friends and could benefit instead from buying an income protection insurance policy.
How the income calculator works
The online Facebook-based app uses average benefits and household expenses figures and asks for a few key personal facts and figures to provide a rough calculation of how long people would be able to stay afloat financially if they lost their income.
Which? protection expert Martyn Saville commented: 'This app really brings home just how quickly savings can be used up if you can't work for a sustained period of time. For example, if you have £3,000 in a savings account, pay rent or mortgage of £800 a month and have average household expenses each month, your money would last just one month, even after factoring in state benefits.
'In the current economic climate of rising prices and reducing state benefits, it's very difficult to build up a sufficient nest egg to see you through a prolonged period of illness or recuperation after an accident. Protection products such as short-term income protection and standard income protection policies could help see you through, avoiding the spectre of major debt.'
More on this...
Why don’t we take out income protection insurance? - Have your say with Which? Conversation
Understanding protection insurance - we explain the best ways to protect your life and income
Income protection - we review the best income protection products available in the UKRead more: http://www.which.co.uk/news/2011/12/could-you-survive-financially-if-you-fell-ill-273941/#ixzz1g6eOFXMr Consumer Champions Which? Under Creative Commons License: Attribution Non-Commercial
Thank you to : Which Works for You, some great information for anyone
http://www.which.co.uk/news

What's your Backup Plan if you can't work?

Click on video with link below

http://www.linkto.tv/iframe/show/uuid/d4dVweCbXxo

Nice video from UK- same issues as in North America

By Female First Celebrity Gossip and Lifestyle Magazine 17 March 2011

Most people don't think about the reality of becoming ill and needing to protect their income if they can't work.

And most of us don't have a back-up plan in place to support us during a long period of sickness.

Research recently released from the independent Think Tank, Demos, has found that it’s the average two income family with children, earning between £16,000 and £50,000 per annum, which is the demographic most at-risk of serious financial hardship if one wage earner is forced to stop working due to long-term illness or disability.

People assume that the state will look after them, yet the support actually available is less than £5,000 a year. For someone on an average income of around £25,000, this would mean a massive 80% reduction in income.

Whilst many of us have life insurance, we are actually three times more likely to fall seriously ill during our working lives than die while in employment.

Yet just 1 in 10 people in the UK have their income protected in the event of a major illness, meaning millions of us are risking serious financial hardship for ourselves and our family if the worst was to happen.

In the following video, we hear from Kate, aged 35, who unexpectedly had to take long term sick leave last year and wasn’t protected, while Jack McGarry, CEO of Income Protection provider Unum, and Nick Cosh, broker at PMI Health Group, look at the implications and discuss what you can do now to protect financially against sudden illness.

Female First Celebrity Gossip and Lifestyle Magazine 17 March 2011