Payday Loan Articles For Those That Want To Save BY HOMEPROFITCOACH

A big misconception about people borrowing money from a service like Western Union is, that they will not have to pay much interest. This is not the case with a payday loan, which people may take out if they need money quickly. Read this article for tips on using these loans wisely.

If you are considering a short term, payday loan, do not borrow any more than you have to. Payday loans should only be used to get you by in a pinch and not be used for extra money from your pocket. The interest rates are too high to borrow any more than you truly need.

If you have taken a payday loan, be sure to get it paid off on or before the due date instead of rolling it over into a new one. If you have to extend the terms of the loan you will incur more costs and be charged more interest.

One key tip for anyone looking to take out a payday loan is not to accept the first offer you get. Payday loans are not all the same and while they generally have horrible interest rates, there are some that are better than others. See what types of offers you can get and then choose the best one.

If you do not have sufficient funds on your check to pay back the loan, a payday loan company will encourage you to roll the amount over. This only is good for the payday loan company. You will end up trapping yourself and never being able to pay off the loan.

Make sure you select your payday loan carefully. You should consider how long you are given to pay back the loan and what the interest rates are like before choosing your payday loan. See what your best options are and then make your selection in order to save money.

If you are considering getting a payday loan, make sure that you have a plan to get it paid off right away. The loan company will offer to “help you” and extend your loan, if you can’t pay it off right away. This extension costs you a fee, plus additional interest, so it does nothing positive for you. However, it earns the loan company a nice profit.

If you are considering payday loans, try to borrow as little as possible. A lot of people experience emergencies in which they need extra money, but interests associated to payday loans could be a lot higher than if you got a loan from a bank. Keep these rates low by taking out a small loan.

Only use payday loans if you’re having an emergency. It’s important that you are careful not to get trapped in a cycle of using them. You won’t have as much money each month due to fees and interests and you may eventually find yourself unable to pay off the loan.

Although you should never use payday loans as a primary way to pay your bills due to the high interest rates, they can be a great help if you need money quickly and have no other options. Remember the tips in this article, so you can use payday loans wisely.

The MOST PROLIFIC LAUNCH IN HISTORY! Are you ready to make a MILLION DOLL ARS or MORE?

You CAN With This FIRST EVER LAUNCH that s Getting Ready To Happen…

Get Your Seat NOW: http://TheMostProlificLaunchInHistory.com

If asked, let them know that HOWARD MARTELL is your sp onsor! Then, grab your FR EE POSI TION NOW:

Type this website into your website browser and cli ck enter…make sure there are no spaces when typing it in: http://consumersupersavingsstore.com It s TIME to Make a FOR TUNE!

Warning: Only 3 days until DEADLINE for 2019 TAX FILING

howard, when the IRS extended the
April 15 tax-filing deadline to July 15, did you
take advantage of that extra 3 months like
a lot of us?

DEADLINE THIS COMING TUESDAY!!!

Only THREE (3) DAYS FROM NOW, Tuesday,
July 15, is DEADLINE for filing 2019 Tax Returns.

NOTE: If you cannot be ready by Tuesday,
be sure to file IRS Form 4868 to extend your
filing deadline to Oct. 15, 2020. That form MUST
be postmarked no later than July 15, 2020.
(Download Form 4868 from www.irs.gov)

2019 seems like a long time ago, so tax
preparation may be even more challenging
than in most years. You have had an extra
three months to forget about some of the tax
deductions you can claim for 2019.

You’re going to want to learn or remember:

  • What biz deductions were available in 2019
  • What to do about missing / incomplete records
  • You’ll need to reconstruct a Vehicle-Use Log
  • Make Sure you DON’T FORGET any deductions
  • Ask, “What ELSE might be deductible?”
  • Let’s make tax recordkeeping EASIER in 2020.

So, let me try to help. Your…
2019 TAX-FILING SURVIVAL KIT
Gives You ALL 6 of these BENEFITS:

#1
A lot of tax deductions changed going into 2019,
and many others changed throughout 2019.

Do you even remember what tax laws and rules
were put into place a year and a half ago?
Probably not. Who could?

When you file your 2019 returns, how will you
remember what deductions applied during 2019?
We’ll make that easy for you…

Your SURVIVAL KIT will include immediate
download of THE 2019 tax-deduction guide,
2019 Edition of “Windfall Tax-Savings
Approved for Small-Business Owners.”
Everything in the 19th edition covers tax laws and
deductions for that were in effect during 2019.

#2
Because the IRS requires you to have documentation
to support each tax-deduction you claim – and since
you probably don’t have all the records you should…
Your 2019 TAX-FILING SURVIVAL KIT includes
How to RECONSTRUCT Lost, Missing or
Incomplete TAX-DEDUCTION RECORDS

This is a step-by-step guide to locating, recovering
and/or creating records that will support each of
the deductions you claim. Now you do not have
to lose out on valuable deductions just because
you are missing some of the required records.

Your “2019 TAX-FILING SURVIVAL KIT” includes
EVERYTHING ABOVE & BELOW for only $77!
         Click HERE to BUY NOW

#3
Claiming deductions for business-use of your
personal vehicle is a major tax deduction for
most small-business owners. Survival Kit item
#2 (above) will teach you how to reconstruct a
vehicle mileage log, which is a critical for
documenting this deduction, so item #3
in your SURVIVAL KIT is the 2019 version
of VEHICLE-USE LOG for 2019!
This alone can protect thousands in deductions!

#4
Most of us simply FORGET to claim some of our
legal deductions, so your SURVIVAL KIT includes
2019 TAX-DEDUCTION MEMORY-JOGGER
– an alphabetized list of dozens of deductions that
small-business owners may qualify for.

Your “2019 TAX-FILING SURVIVAL KIT” includes
EVERYTHING ABOVE & BELOW for only $77!
Click HE RE to BUY NOW

#5
There are dozens MORE tax deductions available to you
that are not described in my book and courses, such as:

  • How to write-off a Motor Home
  • How to Deduct the BABYSITTER’S costs
  • How to Deduct a 2-PERSON Annual Meeting – anywhere!
  • How to Write-Off an Audit-Proof CRUISE
  • How to Write-Off PAYING the GRANDKIDS to Help Out

I have written nearly 100 of these Special Reports,
so, surely at least a few of them will apply to YOU.
Your 2019 TAX-FILING SURVIVAL KIT component #5 is
YOUR CHOICE OF ANY FIVE (5) FOR FREE!
(If you want more than five, you can get additional
reports at the half-price rate of only $9.95 each.)

#6
Preparing your 2020 taxes can be waaaay easier than
2019 IF YOU have a good/easy recordkeeping system.
2019 TAX-FILING SURVIVAL KIT Component #6 is
FREE TRIAL of an “ALMOST AUTOMATIC”
TAX-DEDUCTION RECORDKEEPING SYSTEM
At the end of the free trial, if you like it, you will be
offered special discounted pricing on a monthly or
annual subscription. (BTW, this is the very same tax
deduction recordkeeping system I personally use!)

Your 2019 TAX-FILING SURVIVAL KIT includes
EVERYTHING ABOVE for only $77-FLAT!!!
$77 is an 80% DISCOUNT off current prices.
Click Here to BUY NOW!

Helping Thousands to be Tax-Smart Small-Business Owners,

        Dr. Ron Mueller
Author, Speaker and Small-Business Tax-Savings Coach

P.S.
Do you have Questions I can help you with?
From now through the July 15 deadline, I have
slashed my private phone-consult rates in HALF.
To schedule an appointmentCLICK HERE or
or copy and paste this into your browser:
htt ps://www.homebusinesstaxsavings.com/privateconsult.html

P.P.S. Don’t forget…
Your $77 purchase is 100% TAX-DEDUCTIBLE,
bringing your NET cost down to under $50.

The MOST PROLIFIC LAUNCH IN HISTORY! Are you ready to make a MILLION DOLL ARS or MORE?

You CAN With This FIRST EVER LAUNCH that s Getting Ready To Happen…

Get Your Seat NOW: http://TheMostProlificLaunchInHistory.com

If asked, let them know that HOWARD MARTELL is your sp onsor! Then, grab your FR EE POSI TION NOW:

Type this website into your website browser and cli ck enter…make sure there are no spaces when typing it in: http://consumersupersavingsstore.com It s TIME to Make a FOR TUNE!

Debt Consolidation Comprehensive Knowledge You Just Have To Have

Not all of us are born with a silver spoon in our mouths. Truthfully, even those who have lots of money aren’t necessarily great at controlling their spending. Whether you are rich or poor, debt consolidation can help you deal with your financial follies. This article will show you how.

Have a clear payoff goal in mind. Rushing to get the lowest interest rate is not the best and only way to pay off your debts quickly. Consider how you can pay off your monthly debts in approximately 3 to 5 years. This helps you get out of debt and raises your credit score.

Try using a debt consolidation service to pay down your debt. When you look for one, make sure they aren’t charging high fees. You can check with a local consumer protection agency like your local BBB. You may have to make sacrifices via using extra lines of credit and harming your credit rating, but they can help get your debt paid off. They generally require a single monthly payment.

Find a debt consolidation service in your area. These services will negotiate with your creditors and manage your payments for you. You will only have to send money once a month to your debt consolidation account and it will then be distributed to the different creditors the service negotiated with.

Look for the lowest fixed rate possible when considering debt consolidation loans. Otherwise, you will constantly be worried about expensive adjustments. A quick loan with quality terms is the best option for you.

Find out whether debt consolidation will require you to take out another loan. If so, make sure that your rates are not too high. Some companies lure people in with the promise of a fixed financial world, but end up giving them a new loan that they have trouble paying.

Once you decide that debt consolidation is right for you, it could be tempting to take the first opportunity offered to you. Do not take the easy way out. Take the time to research the different places and use the company that will give you the best rate possible when consolidating your debt.

There are three types of debt consolidation available to most debtors. The first is a second mortgage or home equity line of credit. The second is a credit card or line of credit which pays off the debts and then has to be reimbursed. The last is a loan from a loved one.

If you are unable to manage various debts and meet your payment obligations each month, you may want to consider debt consolidation. This is a popular way to reduce multiple bills and payments into an affordable single monthly payment. Sometimes you will even have your overall debt reduced with debt consolidation.

Regardless of how you ended up in debt, the fact is that you are having trouble paying it off. That is why you found this article on debt consolidation and why you read it in its entirety. Now you just need to put the knowledge you have gained to use to get rid of that debt and free yourself from burden.

The NEXT
BILLION DOLL AR PRODUCT
GenJava
Gourmet Arabica CBD Coffee
Has LAUNCHED!

Hi,

In the LAST 3 MONTHS, My Team Member made…
16 GRAND in MAY
17 GRAND in JUNE
OVER 4 GRAND on JULY 6th

Everybody WANTS GenJava!
It SMELLS Great! It TASTES Great!
It is GREAT!
AND… It’s Priced BELOW WHOLESALE!

Jo in FR E E and make MO N EY NOW!
Go Here:
http://consumersupersavingsstore.com
1.) Watch the VIDEO
2.) Submit your In fo
3.) On NEXT PAGE, complete STEP#2
You’re Done!
Then look for my personal email in
your inbox and/or sp am folder

Get Your Seat for our
GenJava PreLaunch Webinar!
Go Here NOW:
http://GenJavaLaunchWebinar.com

Debt Consolidation Advice You Should Be Using by homeprofitcoach

Solving the issue of overwhelming outstanding debt can sometimes seem like an impossibility. However, as long as you take the time to teach yourself about debt consolidation options and concepts, there really is hope. Continue reading to find out what to watch for and what you can do to ensure a promising financial tomorrow.

Following debt consolidation, budgeting your money wisely will help you keep future debt to a minimum. Most people get in over their heads by over spending with credit cards, so learn to work with money you have rather than borrowing. Doing this will also make it easier to pay off your debt consolidation loans and improve your credit score.

Debt consolidation works best when applied to credit cards. If you have significant balances on various cards, you’re probably paying way too much in interest and could benefit greatly from a debt consolidation loan. See if you can’t combine all of the debt into one payment with a favorable interest rate, and limit your credit card spending once that is accomplished.

Be careful with the terms of collateral for any debt consolidation loan you apply for. Many times these types of loans will include a clause about your home, should you default on payments. Obviously, this could put you at serious risk should circumstances make meeting your loan payment difficult. Keep your home out of any loan agreement, and read the fine print.

Prior to making any debt consolidation decisions, look at the privacy policy of the company you are considering. You’ll be giving this company a lot of your personal financial information, and what they are allowed to use it for is a really big deal. Never assume in this instance. Look to that privacy policy to know the real situation.

When it comes to dealing with debt consolidation, make sure that you relax. This practice is very common and will help improve your finances when all is said and done. You have the opportunity to lower monthly fees, lower high interest, eliminate late fees, put a stop to those harassing phone calls, and eventually become debt free. You can bounce back from this, but you must keep calm and pay attention to your payment plan.

When you are consolidating debt, you must try to renegotiate with your creditors. Whether you are choosing to try and do this yourself first or have enlisted the help of a debt consolidation company, renegotiation is key to saving you a lot of money when paying off your debt.

If you are looking for a debt consolidation program, consider searching the Internet. Many sites on the Internet offer you the chance to shop various lenders in order to find the best interest rates and terms with one application process. This can simplify things, and help you to find a plan that really works for you.

If you are struggling with seemingly insurmountable debt, you are not alone. But, you should also realize that there really are debt consolidation opportunities that can help a great deal. With any luck, the advice above has shown you what to guard against and what to look for when making these types of financial decisions.

The NEXT
BILLION DOLL AR PRODUCT
GenJava
Gourmet Arabica CBD Coffee
Has LAUNCHED!

Hi,

In the LAST 3 MONTHS, My Team Member made…
16 GRAND in MAY
17 GRAND in JUNE
OVER 4 GRAND on JULY 6th

Everybody WANTS GenJava!
It SMELLS Great! It TASTES Great!
It is GREAT!
AND… It’s Priced BELOW WHOLESALE!

Jo in FR E E and make MO N EY NOW!
Go Here:
http://consumersupersavingsstore.com
1.) Watch the VIDEO
2.) Submit your In fo
3.) On NEXT PAGE, complete STEP#2
You’re Done!
Then look for my personal email in
your inbox and/or sp am folder

Get Your Seat for our
GenJava PreLaunch Webinar!
Go Here NOW:
http://GenJavaLaunchWebinar.com

MAJOR SHAKE-UP in the Network Marketing Industry! JULY will have distributors looking for new “homes!”

 

 

MAJOR SHAKE-UP in the Network Marketing Industry!
JULY will have distributors looking for new “homes!”
WOW…THIS IS INCREDIBLE!

Once in a lifetime comes a company of caliber and high quality low price products for businesses and consumer at wholesale and retail pricing.

Lower than typical purchases at Kiosk, brick and mortar stores, and online competitors.

Because of the Glo bal Pan demic, a new division of the Home-Based Business Industry has LAUNCHED!

You’ll be able to earn gig antic “Front-End” and “Back-End” profits

You’ll be able to sell products at Wholesale or even BELOW WHOLESALE!
Products like…
CBD Products … Weight-Loss Products
Super Immune Products … Hand Sanitizer
Advertising Beacon Products … Pet Health Products
Power Savings Device Product
Skin Care Products … Beauty Products
and MORE TO COME like…
Eco-Toilet Paper
Energy/Weight-Loss Drink
CBD infused Arabic Coffee
Survival Gear and Food
High-Tech TV/CABLE Channel Device
And MORE!

PLUS you’ll receive a SYS TEM that will Enroll, Reward and Structure your Team to maximize your in come!

 

The MOST PROLIFIC LAUNCH IN HISTORY! Are you ready to make a MILLION DOLL ARS or MORE?

You CAN With This FIRST EVER LAUNCH that s Getting Ready To Happen…

Get Your Seat NOW:  click here

If asked, let them know that HOWARD MARTELL is your sp onsor! Then, grab your FR EE POSI TION NOW:

Type this website into your website browser and cli ck enter…make sure there are no spaces when typing it in:  click here It s TIME to Make a FOR TUNE!

Howardsuperstore Announcing Pre-Launch Special CBD Arabic 500 mg 4 Flavor Coffee and much more at howardsuperstore

 

My name is Howard Martell and I wanted to share with my viewers and subscribers some exciting news about how my superstore is not only saving people money like myself but paying us daily to share with each of you our different consumer-driven wholesale and retail superstore.

 

customer with my current partnership and have been product of the product ever since. The first product started with was Beacon technology which gets eyeballs on any of my landing pages on people’s cell phones.  Each day for a very low monthly price getting compounded views on all my ads across the country and globe.

Let’s move on to the next product that is saving me money in the Green Energy category its called Genenergy power saving unit and surge protection device.  I had this installed in late 2019 and after a few months already saving a reduction in micro surges and my bill has been going down as those kilowatts are now being reutilized for energy efficiency.

I moved on to another valuable product in my daily pain management its called GenEase Roll-on Pain Relief 1500 mg CBD with Xfreeze 90 ml. It was amazing when I started using it for my shoulder pain, also repetitive typing it helped alleviate this, knee pain, lower back pain, and a whole lot more. I am a disabled Service-connected Veteran who deals with pain a lot so this product is one of our best selling because it works and its priced lower than competitors.

The next product excited about is newest one GenJava we have some special running now more details can be found on my site at http://homeprofitcoach.lock-in-your-position.com/lp19  Recorded Webinar 

Details are located also in this post but you must be a FREE member to qualify for this special pricing.

Because of the Glo bal Pan demic, a new division of the Home-Based Business Industry has LAUNCHED!

You’ll be able to earn gig antic “Front-End” and “Back-End” profits

You’ll be able to sell products at Wholesale or even BELOW WHOLESALE!
Products like…
CBD Products … Weight-Loss Products
Super Immune Products … Hand Sanitizer
Advertising Beacon Products … Pet Health Products
Power Savings Device Product
Skin Care Products … Beauty Products
and MORE TO COME like…
Eco-Toilet Paper
Energy/Weight-Loss Drink
CBD infused Arabic Coffee
Survival Gear and Food
High-Tech TV/CABLE Channel Device
And MORE!

PLUS you’ll receive a SYS TEM that will Enroll, Reward and Structure your Team to maximize your in come!

MY RESULTS FROM THE MONTH OF MAY:
In May, I made over 2 Grand just in “retail profit” from products that sold for wholesale in my online storefront!
But That’s Not All !
http://homeprofitcoach.lock-in-your-position.com/lp20

 

 

 

 

 

 

MILLIONAIRES WILL BE MADE! Will You Be One of Them?

MILLIONAIRES WILL BE MADE!
Will You Be One of Them?

Hi,

Because of the Glo bal Pan demic, a new division of the Home-Based Business Industry has LAUNCHED!

You’ll be able to earn gig antic “Front-End” and “Back-End” profits

You’ll be able to sell products at Wholesale or even BELOW WHOLESALE!
Products like…
CBD Products … Weight-Loss Products
Super Immune Products … Hand Sanitizer
Advertising Beacon Products … Pet Health Products
Power Savings Device Product
Skin Care Products … Beauty Products
and MORE TO COME like…
Eco-Toilet Paper
Energy/Weight-Loss Drink
CBD infused Arabic Coffee
Survival Gear and Food
High-Tech TV/CABLE Channel Device
And MORE!

PLUS you’ll receive a SYS TEM that will Enroll, Reward and Structure your Team to maximize your in come!

MY TEAMS RESULTS FROM THE MONTH OF MAY:
In May, a member of our team made over 2 Grand just in “retail profit” from products that sold for wholesale in my online storefront!
But That’s Not All !
Member of the team  also made a little over 10 GRAND in “back-end” over-rides, bonuses and commissions from those sales as well as the BELOW WHOLESALE purchases from people who jo ined my Team!

Go to this link and watch the Video… from start to finish, and then cl ick the link below the Video to JO IN for FR EE!
Go To: http://homeprofitcoach.lock-in-your-position.com/lp20

We are looking for stay at home Mom’s Dads, and anyone who wants to help others succeed for further information lock in Free position today at the link above and we will be in touch!

Yours Success Coach

Howard Martell

757-647-2886

These Landing Page Mistakes will cost you sales! Know them. Avoid them!

By Sandi Hunter

A landing pages is a powerful way to generate leads for a product, service or company. Landing pages are a far more effective way of getting leads than promoting your website.

To get those leads your Landing page must adhere to these sure-fire rules of marketing. Here’s what you need to know to get the maximum results from your landing pages.

Most Common Mistakes

1. Boring headline.

Your headline must POP off the page with motivating words that will get the viewer’s attention. You want to get their attention then draw them in to keep them reading. Headlines should be bold, easy to read, colorful and make an IMMEDIATE eye-grabbing impact.

2. Too fancy.

Fire your designer if they rely heavily on graphics and flash. Even video is sometimes not appropriate. You do not need your landing page to match your website. Landing pages do not need to be animated, blinking, jumping or annoying. Simple is best. Your Landing page has one purpose, and one purpose only – to generate a lead. It should be colorful, eye catching and use compelling rich copy.

3. No focus.

Effective landing pages are focused. Focused on purpose (lead generation) and focused on telling the reader exactly what they get and why they need to act now. Don’t include any reason for distraction on your landing page. Make your marketing message ultra-clear.

4. No Offer.

If you want to generate a lead you MUST include an offer. People don’t give away their contact information unless you give them VERY good reasons to do so. Make your pitch, and make it a great one – something for free, include a bonus, an incentive – something of value.

5. Forgetting about who the Landing Page is for!

Your Landing Page is for your Viewers. Yes, it’s to market your company or product, but the page itself is about the viewer, Yes, your potential customer don’t forget this. View your Landing pages from THEIR eyes. Is is obvious what you are offering? Is your offer enticing? Is your page focused or it is annoying to the point of distraction. Respect the experience and impression of your viewers. Make sure the page is not too long, the fonts are appropriate, the graphics not overdone and your optin form is quick and easy to complete.

To conclude, here is an Easy 1-2-3 Formula for creating effective Landing Pages.

1. Start with a powerful benefit-laden attention-grabbing headline.

2. Follow with compelling copy that motivates ACTION. Here is what you get, here is why you need it, here is how to get it RIGHT NOW!

3. Optin Form. Conclude with an easy to complete, simple form requesting contact details, being sure to list the bonuses/offer included. If you can add a value to these bonuses it makes your offer even more appealing.

Final words: Everything on your landing page should focus and complement these things; simple theme-related graphics, well-written punchy copy, an irresistible offer, and an opt-in form. Your goal on a Landing page is get the lead!\

because of the Pan demic, a new division of the Home-Based Business Industry has LAUNCHED!

You will be able to earn gig antic “Front-End”

http://consumersupersavingsstore.com

MILLIONAIRES WILL BE MADE!

Will you be one of them?

Hi, ~fname~

Because of the Pan demic a new division of the Home Business Industry has

Launched!

You’ll be able earn gigantic “Front- End” and “Back-End” Profile

You’ll be able to sell products WholeSale or even BELOW WHOLESALE

Products Like

CBD PRODUCTS — WEIGHT LOSS PRODUCTS

SUPPER IMMUNE PRODUCTS … HAND SANTIZER

ADVERTISING BEACON PRODUCTS… PET HEALTH PRODUCTS

POWER SAVINGS DEVICE PRODUCT

SKIN CARE PRODUCTS.. BEAUTY PRODUCTS

AND MORE TO COME 3 TO 5 EACH MONTH!

Plus you will receive a SYSTEM that will enroll, Reward and Structure your Team to maxmize your income!

MY TEAM’S RESULTS FOR THE MONTH OF MAY:

In the month of May one of my Team members made over 2 Grand just in “retail profits” that Sold for wholesale in their storefront!

BUT THAT IS NOT ALL!

My team member also made over 10 GRAND in back end” over rides, bonuses, and commissons from those sales as well as the BELOW WHOLESALE purchases from people who jo ined my winning TEAM!

Go to the link and watch the Video… from start to finish and then decide for yourself…

http://homeprofitcoach.lock-in-your-position.com/lp18

 

Introducing a Global Marketing System Superstore

Good day everyone,

I am excited to make the official announcement that a new type of global marketing system is set to disrupt the Network Marketing model. What company you may ask is set to do this Genusity. The company is set to launch three new products that all consumers will continue to need into the future that they already buy! This COVID-19 has taught us along this journey that we want to disrupt the marketplace and provide high-quality products at low wholesale and retail profits for any of the customers and distributors.

In the next few months, Genusity will be bringing out more products at wholesale prices and lower your monthly budgeting cost and provide a solid income earning new business model so you and your family can stay healthy and prosper in this new global economy.

So calling all Stay at Home Mom’s DAD’s an inspiring sales leader we are hiring and you determine how much income you make not your boss!

I provided further information inside my link guess what its free to join and see how it can and will be done!

For my United States-based customer and distributor included some valuable information on tax savings by starting and running a home-based business from your home!

Where Customers can purchase

HIGH-QUALITY

PRODUCTS and SERVICES at

WHOLESALE PRICES!

Introducing…
The GLOBAL MARKETING INDUSTRY!

The FIRST COMPANY to open its doors in this
Industry is Launching within a day.

You’ll Be Able To….
*Buy PRODUCTS BELOW WHOLESALE!
*Sell PRODUCTS at WHOLESALE!
*Earn up to 55% RETAIL PROFIT DAILY!
*Make up to 100% DAILY FAST-START BONUSES!
*Make up to 100% MONTHLY POWER UNILEVEL PAY!
and MORE!
http://lock-in-your-position.com/lp15/?sponsor=homeprofitcoach

Term Life vs. Whole Life Insurance

erm Life vs. Whole Life Insurance

7 MINUTE READ

Ah, adulting . . . The days are made up of paying bills, scheduling appointments, and maintaining that ever-so-tricky thing called “work-life balance.” In the middle of keeping up with the day-to-day, it can be easy to forget about the future.

Retirement? Eh, we’ll get around to it one day.
Life insurance? We’ll think about it once we hit that certain age.

But here’s the funny thing about life—you can’t control it. Things happen that we never see coming, and there’s very little we can actually plan for. That’s why it’s so important to have peace of mind with a life insurance plan in place.

It doesn’t matter if you’re right out of college or knocking on the door of retirement: You need life insurance, and there’s no time like the present to get it.

Term Life Insurance vs. Whole Life Insurance: What’s the Difference?

When it all boils down, you really have two options when it comes to life insurance—term or whole life. One is a safe plan that helps protect your family and the other one, well, it’s a total rip-off.

What Is Term Life Insurance?

Term life insurance provides life insurance coverage for a specific amount of time. If you or your spouse passes away at any time during this term (usually 20–30 years), your beneficiaries (those you’ve selected to inherit your money) will receive a payout from the term life insurance policy.

 

Protect your family with term life insurance. Get a quote now!

Term life insurance plans are much more affordable than whole life insurance. This is because the term life policy has no cash value until you or your spouse passes away. In the simplest of terms, it’s not worth anything unless one of you were to die during the course of the term. Then that’s when you receive money.

Of course, the hope here is you’ll never have to use your term life insurance policy at all—but if something does happen, at least you know your family will be taken care of.

What Is Whole Life Insurance?

The premiums on whole life insurance (sometimes called cash value insurance) are generally more expensive than term life for a couple of reasons.

Whole life coverage lasts throughout your entire lifetime. You might think it’s a good thing to have life insurance coverage for your entire life. But here’s the truth: If you practice the principles we teach, you won’t need life insurance forever. Ultimately, you’ll be self-insured. Why? Because you’ll have zero debt, a full emergency fund and a hefty amount of money in your investments.

Whole life insurance costs more because it’s designed to build cash value. But keep in mind that a life insurance policy shouldn’t be an investment or money-making scheme—it’s simply meant to provide security, protection and peace of mind for your family should the unthinkable happen.

It’s like Dave says in his book The Complete Guide to Money, “Life insurance has one job: It replaces your income when you die.”

There are far more productive and profitable ways to invest your money than using your life insurance plan. What sounds like more fun to you—investing in stock with a cutting-edge company or “investing” money in a plan that’s all based on whether or not you kick the bucket? We think the answer is pretty easy.

Cost Comparison of Life Insurance

Let’s say a 30-year-old man has $100 per month to spend on life insurance. He shops around and finds he can purchase an average of $125,000 in insurance for his family. From the whole life insurance agent, he’ll probably hear a pitch for a $100 per month policy that will build up savings for retirement, which is what a cash value policy is supposed to do. However, if he purchases 20-year term life insurance with coverage of $125,000, it will cost him only about $7 per month instead of $100.

So, if he goes with the cash value option, the other $93 per month should be added to his whole life insurance payout amount, right? Well, not really. You see, there are expenses . . .

All of the $93 per month disappears into commissions and expenses for the first three years. After that, the cash value portion of his policy will average a 1.5% return per year for a whole life guaranteed cash value policy according to Consumer Reports.(1)

Worse yet, the savings he does manage to build up after being ripped off for years won’t even go to his family when he passes away! The only benefit his family will receive is the face value of the policy, which was $125,000 in our example.

But what if he invested that $93 each month for 20 years? With a 10% rate of return, that would turn into about $70,000. Even better, if he invested for 30 years it would turn into over $200,000! Talk about a lot of bang for your buck!

Term Life Insurance

How Much Term Life Insurance Do I Need?

We recommend you purchase a term life insurance policy for 10–12 times your annual income. That way, your income will be replaced if something happens to you.

And don’t forget to get term life insurance for both spouses, even if one of you stays at home with the kids. Think about what you would pay in childcare and home upkeep costs if the stay-at-home parent was gone! No matter what, you both need term life insurance.

Want to make sure your family is covered no matter what happens? Check on your coverage before it becomes an emergency. Take our 5-minute coverage checkup to make sure you have what you need.

How Long Do I Need Term Life Insurance?

Dave recommends you buy a policy with a term that will see you through until your kids are heading off to college and living on their own. That might be anywhere from 20 years if you already have children to 30 years if you don’t have children or aren’t finished adding to your family yet.

A lot of life can happen in 20 years.

Let’s say you get term life insurance when you’re 30 years old. You and your spouse have an adorable little two-year-old toddler running around. You’re laser-focused on paying off all your debt (including the house) and look forward to investing and retirement planning in the future.

Fast-forward 20 years—you’re both in your 50s and that little pint-sized toddler who would only eat chicken nuggets is now a 22-year-old college grad. The years went by fast, didn’t they?

But look where you are! You’re debt-free (the house and everything), and with your 401(k), savings and mutual funds, you’re sitting at a cool net worth of $500,000 – $1,500,000! The years were good to you, and it’s all because you had a plan.

Since you were able to build up your net worth, you have peace of mind. At this point, (even without life insurance) if something were to happen to you or your spouse, the surviving spouse would be able to live off your savings and investments. Congratulations, you’ve become self-insured! When you become more financially secure, you have less and less of a need for life insurance.

Don’t Wait Until You Need Life Insurance to Get It

The truth is, we can’t see the future and aren’t promised tomorrow. Life is precious! And the ideal time to buy life insurance is when you’re young and have a clean bill of health. Especially since life insurance companies are all about weighing the risks of the person purchasing the policy.

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