Cash management is the understanding and analysis of what you earn, what is deducted (e.g. taxes), what you spend and what you save.
Motor vehicle insurance has various elements including property damage coverage, liability coverage including coverage for the death or injury of a third party, collision coverage and comprehensive coverage.
Most of us will live a long time in retirement – possibly as many as 20 years, without generating income through employment.
You will need 4 to 10 times the amount you paid for your house to enjoy a comfortable retirement.
Investing requires the trade-off of present income (consumption) for future income (consumption).
Without proper retirement planning, you can be faced with a significant cut in your income at retirement, requiring dramatic changes to the lifestyle to which you have become accustomed.
Choosing the right insurance company for you is one of the most critical steps in managing your insurable risks. It means asking all of the right questions and thoroughly investigating your options.
A popular myth is that estate planning is only for the rich among us. However, any one who has property and wishes for a future generation will need estate planning.
Death is inevitable – and sooner or hopefully later, we are going to die. Before we do, we should take some actions to put our affairs in order.
Using a broker doesn't cost you more. Often it can cost you less because brokers have knowledge of the insurance market and the ability to negotiate competitive premiums on your behalf.
Maintaining your quality of life after the diagnosis of a critical illness and dealing with financial commitments can cause hardship for you and your families. Critical illness insurance can protect your family's future.
Debt affords us the opportunity to benefit from things that we may not be able to purchase in the short term, such as a home.
Estate planning can have a lasting impact on your family – though not as much as not doing it.
Credit, like a knife, is neither good nor bad – it depends on the use to which it is put.
Are you covered against the primary critical illnesses, such as cancer, heart attack and stroke that can cause emotional and financial distress?
"To find out what one is fitted to do, and to secure an opportunity to do it, is the key to happiness."
John Dewey
Your job is the activity that you are likely to spend the greater part of your adult life pursuing. Therefore, it can play a major role in determining your level of happiness and satisfaction throughout life. It makes sense then that your choice of career should involve, as much as possible, something you love.
By using your intellect and creativity, along with guidance from Lashley Financial, you can build a fulfilling and meaningful career and a successful future.
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More than you want and less than you need
Often, in the seminars and workshops we do, we are asked about the purchase of whole life insurance vs buying term life.
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