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

Does not being prepared slap us in the face?

DAY 52 TIP OF THE DAY - 60 DAY CHALLENGE OFFER

ONLY 8 DAYS LEFT AT OUR GREAT CHALLENGE OFFER! 

Have we thought of that little something not quite going along like it was suppose to our planning?
How do we get prepared enough so it doesn't slap us in the face?
A little preparation is easier than you think when it's all laid out for you to fill in the blanks!
A great little side account to help you out of the storm for those days that have you snowed in!
A little more put in it for 6 months of income so that you can shovel out of the snow too!
Some disability to cover that income that is missing when something goes wrong.
Some life insurance when things go really wrong
A current and up-to-date Will and power of attorney to make sure everything gets put in order when needed the most!

Register Today!

Get more great tips and personal advice
when you become a YOUR BACKUP PLAN MEMBER
Check out blog:
http://www.yourbackupplan.ca/news-blogsLet's Expect the Unexpected and get prepared with YOUR BACKUP PLAN!
Don't worry we will help you complete it!

GET IT TODAY FOR $299 and we will help you every step of the way to get YOUR BACKUP PLAN completed!

Feel relief, peace of mind that you have everything taken care of, organized and decided by our 5 EASY STEPS!

Any urgency to getting your Backup Plan?

Your Backup Plan

DAY 40 TIP OF THE DAY - 60 DAY CHALLENGE OFFER

Is there any urgency to getting your Backup Plan? I will look at it later, I will do it later, I really need it, I will worry about it later! Really? Things will wait for you before they happen?

We really don't think anything is going to happen, do we? But, things do happen. And it seems like the bad guys are even that much more ahead of it than we are. 

We plan for weddings, we even have a plan b if it rains or - even if those no good relatives show up! 

We have a Plan for that big dinner event, and even for a Plan B if we get too many show up

But, we don't have a Plan B for ourselves. A plan that incorporates every part of our lives, our family and our personal stuff that we have in our head somewhere.

How do we get that organized and how do we plan for all of these things so that at anytime the impact is minimal???

JOIN OUR MEMBERSHIP AND GET THE INFORMATION AND THE TOOLS TO GET YOURS DONE TODAY!Let's Expect the Unexpected and get prepared with YOUR BACKUP PLAN!

Getting your Will done, what are you waiting for?

DAY 30 TIP OF THE DAY - 60 DAY CHALLENGE OFFER
PROTECTING YOURSELF! New Will Act 2013

Mar 2-2013

Either get your WILL done by joining our easy

http://www.legalshield.com/hub/tinaolexa 

join now- $26/mth for legal services at your beck and call or do it yourself will kit with

http://www.self-counsel.com/news/law/videos/489-video-on-writing-your-will.html

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

Call us for more information- support@yourbackupplan.ca

http://www.yourbackupplan.ca

What I don't think Life insurance companies make money, do they?

DAY 13 TIP OF THE DAY - 60 DAY CHALLENGE OFFER

Feb 13-2013

How do Life Insurance companies make tons of money? Read further to find out how.

Life insurance Companies have their 2 most popular ways of making money!  

Quess how?

By - You buying insurance coverage and not using it!

Yes, #1 way is people buying term insurance and then cancelling it when it gets too expensive. Perhaps after 10 or 20 years.  So then, you have paid into a program for a while and they are happy to take your money.

#2, way - are those people that have bought insurance coverage and their family doesn't know that they have any and don't make a claim against it. It's a hidden secret! The insurance company gets out of paying for the policy!

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

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

In Life Do you have a Plan B?

In Life, Do You Have a 'Plan B?'

Posted on March 6, 2012 at 5:00 am,, by Allan Bach

 

 

I enjoy writing my blogs. My blogs are written from my point of view and, I realize, not everyone will agree with the words I write. I am not adverse to differing opinions; I rather enjoy reading what others have to say about my ideas. However, all things must end and, it seems, my blogging days are numbered.
Since 1969, I have not had vision in my right eye due to a mishap while serving in the Air Force. I’ve done fine with my mono vision until a few years ago, when I was diagnosed with macular degeneration in my good eye. At first, it wasn’t much of a problem. Lately, though, I find it difficult to use a word processor, even with a large font. Writing short articles used to require less than 30 minutes--today I’m spending more time than I desire. I get frustrated using a magnifying glass to write my words.
I will be going in a new direction soon. As of now, I am not certain what this will be, but I’m confident that I have quite a few skills that others will find useful. I've always had a "Plan B." This brings me to the subject of this blog. Do you have a Plan B?
So many people I talk to are very skilled at what they do but, should something happen where they lose the ability to perform that skill, they don’t have a backup plan. In the computing world, it is important to back up your data. If a hard drive dies and you don’t have a backup, you’ll lose all your files, pictures, songs, etc. This does not make for a good start to your day.
What is your backup plan? Are you learning a new skill, one that is different from that which you are using at present? If not, could it be that you are you reading less and watching TV more? Do you find yourself spending too much time on Facebook? Is it impossible to turn off your cell phone for more than one hour? These can be distractions to your acquiring new skills--skills that could mean the difference between having a job and being unemployed.
Take some time right now to assess your Plan B. If you don’t have one, invest a few hours each week to learning something new. Go to a museum, a library, or just spend some time alone reading or listening to instructional audio recordings. You may find that there is a new world out there, waiting for you to contribute your view, your opinion, and your skills. You never know if tomorrow is the day you will write your last blog.

Thanks to Allan Bach,
http://hellertown.patch.com/users/allan-bach/blog_posts

The backup plan .What if plan A isn’t panning out?

Posted on January 17, 2012 by kevinsmicrohomestead

So you finished school and went out into the world to work your butt off and create health ,wealth and happiness for yourself. The american dream …get a job start a career and a family.Buy a house and a car or two and start putting money away for the future.Well fast forward a couple of decades and maybe things aren’t where you thought they would be.Maybe it just isn’t looking like you saw it in your head.
Here is where we are today people are trying to retire and worked the last 30 plus years to put away enough to enjoy the( golden years ) They keep telling you about.Now this could be for a lot of reasons layoffs ,cutbacks,divorce,health issues or an accident.Maybe your investments went bust or your house values crashed. Sound familiar?
So what are you going to do ? maybe you see the writing on the wall down the line a few years for your self and you are looking to course correct now . Sorry if I come off all doom and gloomy but there is an alternative.
Plan B the back up plan .The what if the SHTF ( shit hits the fan) sorry if that offends anyone it is a broad and encompassing phrase that covers a multitude of scenarios from the minor lost my job to the end of the world and every thing in between.So what if? Well you need a fallback plan something that you can count on come what may.
What is that ? What does that look like ? How does that work? I’m glad you asked.;) It looks like a way to live without needing a bunch of money and infrastructure and still keep a standard of living you can be happy with no matter what happens .Some thing you can put in place now so you have the peace of mind that your covered for the future.
What does that take ?well I see the big costs of living today Housing is number one.How much money do you need to live if housing is no longer an issue? the second seems to be transportation gas prices are not going down that is for sure.Then food and healthcare.
Well lets solve the big one housing .Having a micro house built and setting in the back yard is a major piece of insurance in my opinion .It’s the fall back the escape pod the backup plan for the SHTF possibility of the unknown future .What if the power fails or there’s an earthquake or hurricane a blizzard and so on and basic services are interrupted wouldn’t it be nice to go over and get inside your micro house and fire up the heat and lights and be able to cook a meal and not just survive but thrive .
Lets talk about location.Micro houses can be placed in locations that would otherwise be prohibitive to live in either by price or the inability to build in an environment .So you can put it in a backyard or beach front on a lake river ocean pond ect… but the view or amenities are to die for.Who can afford a (million dollar view ) but you can barrow it for little or nothing .
You could live in walking distance or biking distance of all your shopping and business needs minimising or eliminating the need for a car.if you park your micro house in an area that has space for a garden then you can produce some of your own food cutting expenses further.
Lastly your health is very important and I want to touch on or bring full circle the backup plan living more simply and deliberately gives you time.Time to prepare your own food from scratch .Time to walk or bike to where you want to go .Time to be outside in the garden working in the fresh air and sunshine.Time to spend with family and a great place to live for a fraction of the cost of traditional lifestyle we have now .All we have is time health and family all we need is food shelter and clothing .If we have these we have more than the majority of the people on the planet . After that everything else is excess and luxury. This lifestyle by design If you choose it

Thank you Kevin for your interesting blog

5 Lifestyle Apps to Help you get cheaper Life Insurance- www.Forbes.com

5 Lifestyle Apps to Help You Get Cheaper Life Insurance-http://www.forbes.com/sites/moneywisewomen/2011/12/03/5-lifestyle-apps-to-help-you-get-cheaper-life-insurance/2/

5 Lifestyle Apps to Help You Get Cheaper Life Insurance

Jessica Bosari, Contributor

 

Image via CrunchBase

 Life insurance is necessary for every family. It can provide a sense of security as well as assure that your goals for your family can still be met even after you’re gone. Yet, for all these benefits, a good life insurance policy can be quite expensive. While you do not want to skimp now and leave your family vulnerable in the future, there are ways to lower your premium prices without sacrificing good coverage. Here is a list of lifestyle factors that you can improve to make your life insurance cheaper as well as apps that can help you achieve your goals.

1.) Quit Smoking
Smoking can lower your life expectancy by decades and makes you a higher risk for life insurance companies, resulting in higher premiums. To lower your costs and achieve a longer life span, quitting smoking is a great step. The Quitter app for iPad and iPhone offers smokers the opportunity to track how long they have gone without a cigarette. It also tracks the amount of money saved as an additional motivation.
2.) Lose Weight
Overweight and obese individuals are at higher risk for heart complications, diabetes, and certain types of cancers. All of these factors can have a detrimental result on your life insurance rates. Even just losing 10% of your body mass can have a profound effect on both your health as well as your insurance premiums. Lose It! is an app that allows you to set concrete weight loss goals and establish a daily calorie budget to keep you on track.
3.) Reduce Alcohol Intake
Not only can heavy alcohol usage cause problems with your liver and kidneys, it also puts you at greater risk for certain types of accidents as well. While small amounts of alcohol have proven health benefits, being a heavy drinker can make your life insurance premiums skyrocket. The iDrinkulator app tracks your alcohol intake and then tells you how much money and how many calories you are spending to drink. Seeing your alcohol consumption in solid numbers is a huge motivation to cut back.
4.) Improve Driving Habits
Simply getting behind the wheel of a car puts you at risk, but this is increased if you are an unsafe driver. The Driver Feedback app by State Farm Insurance records dangerous driving practices and plots them on a map to show you your weaknesses as a driver. You can even compare yourself against other profiles for even more tools to improve.
5.) Increase Credit Score
While it doesn’t seem like getting your finances in order can make a huge difference in your life insurance rates, studies have proven that those with lower credit scores are at greater risk for health complications. To get a handle on your finances and get your bills paid on time, apps like BillMinder can get you on the right track to a healthier credit score.
By making changes to your lifestyle habits, you can make a big difference in your term life insurance rates. Not only will you save money, but you will breathe easier and live better as well.
Thank you to:

Money Wise Women

A network of professional experts educating women to live financially healthy

Jessica Bosari, Contributor

 

How to Discuss Estate Planning with Aging Parents over the Holidays-

This article is from the USA, but interesting read on getting better prepared with aging parents!

How to Discuss Estate Planning with Aging Parents over the Holidays

by Matthew Karr, Esq. on December 1, 2011

The holiday season is here and now may be a good time to start conversations with loved ones about the future and their estate planning needs. As difficult as it may seem, having conversations early can help families work together and avoid crises down the road.
It’s very common for family members, especially those who live far apart, to notice changes in a loved one’s cognitive or physical capabilities when they get together for the holidays. The realization that Mom or Dad or Aunt Sally may need more help than they used to can cause a growing concern for the well-being of your aging parents or loved ones.
But what can you do? Where should you start? Here are a few pointers than can help start the conversation.
■ Begin by having short, informal conversations with your family members to explore what their concerns are.
■ Gather information about what help might be needed and contact an elder law attorney to learn about the available options.
■ Consider holding a family meeting to talk about the present and the future. Work with your family members to create a list of topics to discuss with your attorney, and get Mom and Dad – or Aunt Sally – involved, too. Once you figure out what’s important to everyone (for example, protecting the home or avoiding probate), set up a free consultation to have your concerns addressed.
Seem impossible or overwhelming? Seek some expert help. Below are some things to consider and questions to ask:
1. Not sure where to start? The best place is usually the basics: Do they have any estate planning documents? Where are they located? When was the last time they were reviewed? Estate planning documents should be reviewed bi-annually to ensure they are effective.
2. Are the seniors in your family prepared in case they or their spouse need long-term care? At $10,000 per month, long-term care costs can devastate a family’s resources if not planned for well ahead of time.
3. Has a healthcare proxy and durable power of attorney been named for each senior? This can be extremely important should an emergency require a family member to make important health and financial decisions for another.
4. If you have an estate plan, is it set up to maximize benefits and reduce or eliminate liabilities for your family? Avoiding the time and cost of probate, reducing or eliminating estate taxes, and ensuring a swift and orderly distribution to heirs can all be accomplished with an effective estate plan.
5. Dreading the conversation? What if family members disagree about next steps? Or maybe they don’t think anything needs to be done? Download one of our free reports to help guide the conversation. You could also invite an elder law attorney into the conversation to help mediate conflicting ideas. The main goal is to protect your family and once that is clear, other details can usually be ironed out once everyone is well informed.
The bottom line is – as difficult as it may seem, starting the conversation before a crisis will help everyone in the long run. Call the Heritage Law Center and let us help you start the new year on the right foot.
Thank you to :

by Matthew Karr, Esq. on December 1, 2011, Mass health and Planning Elder law

http://www.mamedicaidlawyer.com/how-to-discuss-estate-planning-with-aging-parents-over-the-holidays/

How do the Celebrity's Prepare?

Check out this blog by  US News Money, Alpha Consumer, about a new book out on Estate planning for the stars!
 Probate Wars of the Rich and Famous, by estate lawyer Russell Fishkind

Some tips:  Complicated family situations, guardians, not updating your estate, see it all from the Celebrities!

What does the summary say?

The lesson: “Plan, plan, plan,” he says.

Who would figure?

http://money.usnews.com/money/blogs/alpha-consumer/2011/12/06/6-celebrity-estate-planning-errorsand-tips

The Rangers even have a PLAN B!

Newberry: Rangers' backup plans worked

• By Andy Newberry
• Times Record News
• Posted September 26, 2011 at midnight

In almost any walk of life, one of the most important things is Plan B.
The best-laid plans don't always work out perfectly. Sometimes you miss a turn and an alternate route is preferable to turning around.
When the Dallas Cowboys didn't call on draft day, we had to find another job. When my wife didn't land a rich movie star, I became a good Plan B.
Plan A may be better, but it's not often realistic.
The Texas Rangers on the surface had to have pitching ace Cliff Lee last winter. He pitched them past the Divisional round of the playoffs for the first time in their history. He helped them beat the hated Yankees.
There were no other aces available.
Plan A was obvious and all eyes were on Captain Cliff last winter. But Texas' money wasn't enough and he went to the Phillies. At least it wasn't to the Yankees.
My fear, drawn from many years of inept Texas management, was that Carl Pavano would be on the next plane to Arlington. Kind of like when Cy Young winners Randy Johnson and Roger Clemens didn't work out, the Rangers settled for Chan Ho Park.
That's Chan Ho as in Oh-No he's not pitching again tonight, is he?
But in the winter of 2010, Nolan Ryan and Jon Daniels had a real Plan B. They saw the pitching market beyond Lee wasn't worth marrying, at least on those terms.
They had also watched Michael Young play third base. And unlike most of their fans who wouldn't know the difference between Young and Brooks Robinson, the Rangers had also seen Adrian Beltre play third.
So Beltre as one of the top free agents available, although far from a bargain, was brought in to help the offense and the defense. Check and check.
Beltre should have been Plan A for somebody (yeah, that's you Anaheim). He is by any standard the best defender at the hot corner once again and he blasted his 30th home run on Sunday. He's also got 101 RBIs and a .293 average.
So much for the fact that he couldn't hit except in contact years! Sure, he was injured again, but the Rangers wisely kept Young and had enough depth to overcome it.
The new Plan A for the starting rotation was Neftali Feliz. The Rangers' young closer gave it a shot in spring training, but just doesn't have enough, sometimes any, reliable pitches.
So Plan B, or maybe C, was Alexi Ogando moving to the rotation. That looks like pure genius now.
Ogando went 13-8 with a 3.54 ERA and made 29 starts.
C.J. Wilson filled the role of ace, even if he's not quite Cliff Lee or Justin Verlander. But with guys like Ogando and Matt Harrison stepping up, the Rangers didn't have to have the richest ace pitcher as their depth paid off for them.
Panic was not part of the equation when Lee left for Philly. And it wasn't an option when Michael Young asked for a trade.
Ron Washington may not always come across as having the sense of urgency that fans in a football state want to see. But his famous "that's how baseball go" plays well in a clubhouse and keeps the panic button away.
It's the kind of confidence that allowed them to jump at the chance to bring in Mike Napoli for a reliever with closing experience.
Somehow, some way the Rangers would find a Plan B in the eighth inning. That help arrived in July.
Signing Lee might have been easier, but Ryan and Daniels won this AL West title with a perfectly executed Plan B.

© 2011 Times Record News. All rights reserved. This material may not be published, broadcast, rewritten or redistributed.

Thank you to Times Record News- The Rangers even have a Plan B!


http://www.timesrecordnews.com/news/2011/sep/26/rangers-plan-a-b-c-worked/

Are You Ready If Disaster Were To Suddenly Strike?

Reported by: KPSP Local 2 News

Email: news@kpsplocal2.com

Print Story

Published: 9/21 5:16 pm

Share

Updated: 9/21 6:19 pm

These are few things that should be in an emergency kit

How ready would you consider yourself if disaster were to strike right this moment?
Many of us don't have a backup plan in case a disaster strikes. In fact, during the blackout a couple weeks ago, even some agencies weren't fully prepared.
"It was very scary. Especially because I have a 5-year-old and a 9-month old and I wasn't prepared at all- no emergency kit or anything like that," said Eva Ibaora of Thermal.
That's why agencies such as local fire departments, the Red Cross, and experts from Loma Linda University came together at the Rummonds Community Center in Thermal Wednesday to talk about disaster preparedness. It was the first meeting of its kind for the city.
Experts say remote areas such as Thermal have to especially be ready in case of a disaster.
"We're trying to target this area because it is a low priority area. In case of disaster, we would probably be the last community to get any type of response out here," said Mike Castaneda, President of the Thermal Chamber of Commerce.
That's why instead of packing enough food and water for three days, people living in areas like Thermal should pack for about 7 to 10 days.
According to the Centers for Disease Control and Prevention, it takes just four easy steps to be ready for a disaster. So, to learn more on how you and your family can be prepared, click here.

Copyright 2011 Desert Television LLC All rights reserved. This material may not be published, broadcast, rewritten, or redistributed.

Are You Ready If Disaster Were To Suddenly Strike?

IT'S NOT ALWAYS AS YOU THINK

Check out this video- things aren't always as you think they are at first.  Be better prepared, and check out my website

  http://www.youtube.com/watch_popup?v=4meeZifCVro

Smartphone pictures pose privacy risks

Please change your settings on all of your phones -

Moving and buying a house

Just helped a young couple start their plan for their new move!
Looking at what their options are for buying insurance and what did they want for coverage when they are 50 and even 70.  They both said ~ they will want some at that time!  Put together a staggered amount for every 20 years so that they save money over the years! That's what it's all about isn't it???
Enjoy!

lifeins4life