Yearly Financial Planning Review.

Long term care insurance, funeral expense, and other non medical life insurance.

September is Life Insurance month. Many families without life insurance only receives more than $200 for social security upon the death of their love ones. Many more who owns a house, have children and even the grandparents who want to leave a legacy, tax free and probate free can avail of all kinds of lifeContinue reading “Long term care insurance, funeral expense, and other non medical life insurance”

After college, you wanted to get any job you can get into. While doing that, it would be a good preparation for you to learn about financial planning. This Saturday, learn about estate planning and tax free retirement. As you will be working for the next 40-50 years of your life, let it be productiveContinue reading “All college grads are invited this Saturday in Hercules”

Insurance agents learn about Medicare.

Learning about Medicare will help insurance agents serve the aging population to better prepare for any health threats and financial  threats. http://www.ahipmedicaretraining.com Medicare Basics and online training for Insurance agents include: The basics of Medicare fee-for-service eligibility and benefits The different types of Medicare Advantage and Part D prescription drug plans Eligibility and coverage MarketingContinue reading “Insurance agents learn about Medicare”

Why I will hire the 50 plus generation.

The 50plus generation are hard working and will not give up on small or big challenges. There is no problem that cannot be solved. No miscommunication that cannot be resolved. And no limitation that cannot be overcome. They are savvy collaborators finding ways to connect and expand. They are very creative especially using the pastContinue reading “Why I will hire 50 plus generation”

The 50plus generation are hard working bunch and will not give up on small or big challenges. There is no problem that cannot be solved. No misunderstanding that cannot be resolved. And no limitation that cannot be overcome. They are savvy collaborators finding ways to connect and expand. They are very creative especially using theContinue reading “Why I will hire the 50 plus generation”

Who Needs an Estate Plan by Atty John M. Daley.

More than half of the U.S. population does not have any of the estate planning documents they need to protect themselves in the event of death or incapacity. Moreover, only a relatively small percentage (around ten percent) have a complete and current set of the documents they need to protect themselves and their family inContinue reading “Who Needs an Estate Plan by Atty John M. Daley”

1. The Philippines is the world’s leading producer of coconuts, having produced19.5 million tons of the fruit in 2010. 2. According to the 2000 census, 52 million people in the Philippines speak English, making it the fifth largest English-speaking nation behind the U.S., India, Pakistan, and the U.K. 3. Of the top 10 largest shoppingContinue reading “Philippines Facts, bigger malls, more shoes, coconut producer, island beauty”

Why people plan?

To control and protect assets from creditors, death taxes and taxes such as probate taxes
To prepare in advance for incapacity (80% chance of mental or physical disability)
An estate is comprised of all assets that you own. Probate (tax) is triggered when assets are more than $150k and your house equity is greater than $50k.

Gift taxes occur when gift is greater than $15k per year per giftor.