Taurus %22Say I do to life cover.%22
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Life insurance can help protect your loved ones financially after your death. It can replace income that would be lost, allowing surviving spouses to pay off mortgages and other debts, avoid depleting savings, and give them time to rebuild their lives. Even when money is tight, life insurance is good value, with £150,000 of joint life coverage potentially costing under £23 per month. Speak to an advisor to identify your protection needs and choose the right coverage options.
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If you’re among those who have avoided addressing your life insurance needs, we’d like to encourage you to take action by dispelling some of the most common life insurance myths. Let's take a look at 7 of them in our presentation.
Debt Management Solutions for Seniors
Seniors are increasingly carrying higher levels of debt into retirement which is an added risk on a fixed income. We address debt management solutions for seniors if debt levels are threatening their ability to make ends meet.
4 things Life Insurance is not
Most of us understand "insurance” to be that stuff that you had to have for your car, your home, and your health. The “life” part was a big, blurry blob of “other.”
If that’s how you’re feeling, here are a few tips that might help bring things into focus — by understanding the “nots” of life insurance.
The Keys of Debt Consolidation
The document discusses debt consolidation as an option for Americans struggling with debt. It explains that debt consolidation involves taking out a new loan to pay off multiple debts, which can simplify payments and allow paying off debts faster by focusing on principal over interest. While debt consolidation requires short-term sacrifices, it can help restructure debt in a way that is more manageable over the long run versus making minimum payments on multiple accounts. The document advises studying debt consolidation options carefully to find the best program for one's individual financial situation and credit history.
Finance for the golden years
Article for Mortgage Professional Australia on aged care loans developed by La Trobe Financial and Arthur Koumoukelis Dentons Australia
Funding Options: How You Can Get the Money You Need
Center Street Lending shares a presentation discussing how you can get the money you need for flipping homes.
Equity repositioning strategies
This document discusses options for homeowners to leverage their home equity. It presents 4 options: 1) do nothing; 2) handle it yourself; 3) work with a traditional realtor/lender; or 4) work with the author. It then discusses strategies for making one's mortgage work for them, including choosing the best mortgage type and using extra payments to build savings rather than pay down the mortgage early. Examples are given showing the benefits of this approach over the traditional method of paying off the mortgage quickly. The document promotes working with the author/company to utilize these strategies to better leverage one's home equity.
2016 Simple Mortgage Guide
This 20-page guide will teach you everything you need to know about mortgages in Ontario as a first time homebuyer.
Viewpoint_Issue_7
The document discusses the upcoming pension reforms in the UK and their anticipated impact. It explores why reforms are needed due to an aging population, lack of retirement savings, and other factors. It then analyzes the potential challenges to the success of the reforms, such as younger generations prioritizing other expenses, rising personal debt levels, and affordability issues. While the reforms aim to encourage more retirement savings, changing perceptions and building trust in pensions will be important for their long-term effectiveness.
Have you made any of these financial mistakes?
As people move through different stages of life, there are new financial opportunities — and potential pitfalls — around every
corner. Have you made any of these mistakes? Let me know how I can help.
Move up-buyer-strategies
Frank and Neil both earn $70,000 annually and buy $200,000 homes. Frank takes a traditional approach with a 15-year, 6.38% mortgage and $40,000 down payment, leaving no savings. Neil takes a new approach with a 30-year, interest-only 7.42% mortgage and $10,000 down payment, allowing him to save $30,000. After 5 years, Frank has paid $14,216 in taxes but has no savings, while Neil has paid $22,557 in taxes and saved $83,513. If they lose their jobs, Neil can weather the crisis with savings while Frank may lose his home. The document advocates taking a new approach to mort
Avoid Foreclosure ebook
This document provides information on avoiding foreclosure, including warnings about common foreclosure scams. It contains an 8 chapter guide covering topics like the foreclosure process, options for preventing foreclosure like loan modifications or bankruptcy, and restoring credit after a foreclosure. The introduction defines a mortgage and foreclosure, explaining that foreclosure is when a lender takes legal ownership of a home if the borrower fails to make payments. It stresses that foreclosure can be avoided and offers hope to struggling homeowners.
June Newsletter
The document provides information on retirement planning and debt optimization strategies. It discusses developing a realistic picture of retirement income and expenses, estimating sources like Social Security and pensions and factoring in healthcare costs. It suggests living for 6 months on projected retirement income to determine if it's realistic. It also outlines strategies to pay off debt, like paying more than minimums, focusing on highest interest rates first, or consolidating with a lower rate loan. While the strategies make sense theoretically, it can be difficult to implement them fully in practice due to competing financial needs.
The best Life Insurance for couples in Mississauga and Toronto
Life insurance for couples is one of the most important purchases you can make together. It's an investment into your future together that ensures peace of mind. Here's everything you need to know.
The Drop in Mortgage Rates Brings Good News for Homebuyers.pptx
Lower interest rates mean lower monthly mortgage payments and a shorter time until the home pays for itself for buyers. Rates recently dropped from 4% to 3.5%, meaning a £250,000 mortgage would have a smaller monthly payment. While this is a good time for buyers to get a reasonable rate, buyers should still be patient and shop around since not all lenders have adjusted their rates yet.
Similar to Taurus %22Say I do to life cover.%22 (20)
Funding Options: How You Can Get the Money You Need
Funding Options: How You Can Get the Money You Need
The best Life Insurance for couples in Mississauga and Toronto
The best Life Insurance for couples in Mississauga and Toronto
The Drop in Mortgage Rates Brings Good News for Homebuyers.pptx
The Drop in Mortgage Rates Brings Good News for Homebuyers.pptx
Taurus %22Say I do to life cover.%22
- 1. PC2021C.0813 What’s next? Say ‘I do’ to protecting your loved one. There are times in life when you find yourself making some pretty big commitments. And it’s not just the marriage vows. What about the mortgage or rent, or even the cost of the wedding? The truth is when you’re starting married life, money’s always in short supply. You’re probably both working to pay the bills and saving hard for the future. But what if the worst happened and one of you died suddenly? Life cover can’t replace your loved one but it can replace their income. And that can make a tough situation much easier to cope with. • The mortgage could be paid off • Other debts like loans and credit cards could be cleared • Hard-earned savings wouldn’t get eaten up • And the person left behind could take time to rebuild their life Even when money’s tight, life cover is good value for money. For example, £150,000 joint life cover could cost under £23 a month. Source: Bright Grey Personal Protection Menu, August 2013 quote based on joint life, non-smokers, both age 36 next birthday, 25-year term, increasing lump sum in line with retail price index. £150,000 for £22.54 a month including £2.60 plan charge. Talk to Taurus Global Financial Advisers Ltd. We'll help you identify your individual protection needs and guide you through the various types of cover available to make sure you get the right cover at the right price. Call George Migeod on : 07809 116701 Taurus Global Financial Advisers Ltd 19 St Elmo Road Worthing West Sussex BN14 7EJ george@georgemigeod.orangehome.co.uk www.taurusglobalfinancialadvisersltd.tppowered.com Directly authorised by the FCA.