DO YOU NEED A SMART WAY TO INVEST YOUR TAX RETURN!
Dedicated to being your neighbor who wants to help his own community first, my promise…….
You hope and I will hurry……
You pray while I plan……
Getting affordable protection for your family needs a helping hand, and I am it.
With this year’s tax returns projected to be less than expected for most people, it’s a critical time to examine how you can use this money to invest in your future.
Build a safety net in case of an illness……
Unfortunately, none of us know when an unexpected illness or diagnosis could affect our lives. A cancer diagnosis, heart attack or disability could leave you unable to work and earn income. In this event, how would your family pay the bills? If you don’t have a plan in place, now is a good time to consider critical illness insurance .
Critical Illness insurance is a policy that will pay you a benefit in a lump sum if you are diagnosed with a critical illness that’s covered by the policy. Having this insurance can relieve your family from the emotional and financial stress that comes with any illness.
Get a jump-start on retirement planning…..
Did you know that one third of Americans have nothing saved for their retirement? One of the best ways to prepare for retirement is to choose a life insurance product that offers safety and guarantees, such as an annuity or indexed universal life (IUL) insurance policy.
An annuity is an insurance product that allows you to accumulate money over a period of years (by making an initial deposit or periodic deposits). Funds invested in annuities grow tax-deferred. Once you annuitize the contract and turn it into an income stream, you will receive a series of regular payments during your retirement.
Invest in your child’s future……
If you have young children, your first instinct might be to use your tax return to plan a fun vacation. However, before you book the flight, consider investing in your child’s future with a life insurance plan that can help fund their college education. We’re not saying you can’t do both – for as little as a few dollars a day, you can invest in your child’s future and, if you plan wisely, still have enough money to save for that dream vacation.
SmartStart is a life insurance plan that gives your child a head start on saving for their future while providing the protection of life insurance. The SmartStart plan provides life insurance coverage and a cash value savings component, which your child can access later in life. They can use this money to fund their college education, which is invaluable these days, as rising tuition costs often leave many students saddled with debt. A portion of your premium payment goes toward life insurance coverage, and the balance becomes part of the policy’s cash value (which accumulates tax-free).
Put your tax return to good use with life insurance coverage fit for your needs - request a quote today
This will become obvious to you if it hasn’t already, but: job hunting is not always fast, and not always fun. It’s important to remain motivated, to keep making connections and sending out those resumes. Above all, be patient, be persistent, and don’t give up hope! Malcolm A., an Online Marketing Analyst, estimates that during his job search, he sent out 30 resumes for each response he received. Mackenzie R., a recent college grad and Marketing Intern, said she was surprised by how long it took to find the job she wanted: “I had professors who told me it would take 6 months to find a job in my field, and I’d laugh at them. Then when 6 months hit, I was like, “oh my god, they’re right!” Christy Eichelberger of Getting Hired rec-ommends being selective in the positions you apply for—but not too picky. She notes that scaling back your ambitions a bit can be a great way to expand your op-tions and eliminate some frustration. For example, a candidate hoping to work for a Big 4 accounting firm might try to get a job at a smaller firm first, then try to move up once they get the right experience. Another part of not getting discouraged during the job search is using your time well. This means keeping busy, whether by volunteering, networking, or working on your LinkedIn page or website. Malcolm recom-mends considering doing “free work” for a company during your search—building a “badass portfolio” in the process. Whatever your approach, it’s super important to feel like you’re always moving forward.
LAUNCHING YOUR JOB SEARCH: CAST A WIDE NET, AND THINK BEYOND THE INTERNET:
Sending out resumes on Craigslist or Monster and hoping for the best is all well and good, but in today’s ultra-competitive job market, it probably won’t be enough. Particularly at this stage of your career, networking will be your best job-search strategy. School resources, like career centers and drop-in counselors, can be a valuable resource. Often, schools have built-in alumni networks that can provide you with possible connections to get your foot in the door. If you have internship experience, draw upon the contacts you made there for opportunities and references. Max Knoblach of Mashable suggests reaching out to people you admire in your field, by finding their email addresses or even tweeting at them. Vlad C., a Talent Coordinator, took this advice. He started out his college career by taking accounting and financing classes—but sensed the financial world wasn’t for him. He got in touch with a number of recruiters, who told him that with his personality, a career in human resources would be perfect—and he’s been on that path ever since. You never know when or where you’re going to meet the right person to help launch your career. Nick S., an Office Assistant, “had an idea of what I wanted to do, but didn’t know how to get there.” Then he met a recruiter—in a bar of all places—who helped him land a job that he’s now enjoying. “It helps to drop a lot of hooks in the water,” Nick advises job-seeking grads, “and don’t be afraid to get your hands wet".
PART ONE: JOB SEARCH 101: METHODS, TOOLS & TRICKS
METHODS:CHOOSING A CAREER DIRECTION, FOLLOW YOUR PASSION, NOT THE MONEY
Before you can go after your dream job, you’ve got to have an idea of what it is. According to Anthony Spadafore, author of Now What? A Young Person’s Guide to Choosing the Perfect
Career, nearly 70% of mid-career workers believe they are in a job that’s out of whack with their talents and goals.
The best way to avoid finding yourself in a similar position is to have a clear career direction now, at the beginning of your work life. Experts suggest choosing a career based on your interests, passions, and strengths. Consider what classes have most excited you, volunteer experiences that have changed
you, and skills you’ve developed both in school and in life.
One smart strategy is to take a variety of classes, and find out which jobs might fit you best. Alex J., a Graphic Designer, told us that he came to his design career by “taking multiple classes and finding out what you really like”, “ruling out what I didn’t want to do”, and considering “where I’m going to be happy in the long run.” Alex sees himself staying in the design field for the foreseeable future.
Need more advice on your career? Check out Aries HR Consulting's Professional Resume Writing Service and Training and Workshop Series "Coaching the Graduate on Getting a Position".
Open Enrollment Period
The yearly period when people can enroll in a health insurance plan. ... You're eligible if you have certain life events, like getting married, having a baby, or losing other health coverage. Job-based plans may have different Open Enrollment Periods.
The OPEN ENROLLMENT TO-DO LIST helps companies stay organized during open enrollment season.
What you'll get:
And answers to these questions:
Recognizing, that not all employees possess knowledge and skills that are of equal strategic importance, we draw on the resource-based view of the firm, human capital theory, and transaction cost economics to develop a human resource architecture of four different employment modes: internal development, acquisition, contracting, and alliance. We use this architecture to derive research questions for studying the relationships among employment modes, employment relationships, human resource configurations, and criteria for competitive advantage.