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.
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.
Estate planning can have a lasting impact on your family – though not as much as not doing it.
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.
Your broker works for you – not for the insurance company.
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.
Everyone needs a financial plan for their life, from those with ten dollars to those with ten million. Life takes money – whether you plan or not.
Investing requires the trade-off of present income (consumption) for future income (consumption).
The purpose of investing is to improve our future circumstances or future lifestyle.
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.
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.
The objective of investing is to receive a future flow of funds larger than the funds originally invested.
Cash management is the understanding and analysis of what you earn, what is deducted (e.g. taxes), what you spend and what you save.
Credit, like a knife, is neither good nor bad – it depends on the use to which it is put.
Balancing today’s needs with tomorrow dreams in 12 steps.
Financial prosperity, which we define as having the financial resources to be able to achieve life goals, is a critical element in overall prosperity. Even though financial prosperity is necessary, it is only part of the whole. Money is the means to an end.
"It's good to have money and the things that money can buy, but it's good, too, to make sure that you have lost the things that money can't buy."
George Horace Lorimer
Total prosperity goes beyond financial prosperity to include:
Personal Prosperity is a comprehensive education programme aimed at assisting you in achieving your personal goals through the effective management of your finances. Personal Prosperity provides teaching, coaching and guiding over a period from 13 weeks to 24 months, depending on the depth and intensity of the programme option selected.
This programme is based on Lashley Financial's 12 Steps to ProsperityTM model, which consists of five stages of progression to financial prosperity, in twelve simple steps.
Stage 1 |
Get your house in order |
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Step 1: |
Get a cushion for emergencies |
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Step 2: |
Spend less than you earn (or earn more than you spend) |
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Step 3: |
Deal with your debt |
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Stage 2 |
Build a foundation for prosperity |
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Step 4: |
Create an emergency fund |
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Step 5: |
Manage your risks |
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Step 6: |
Save 15% of what you earn |
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Stage 3 |
Prepare yourself for prosperity |
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Step 7: |
Remove your personal barriers to prosperity - develop a “prosperity mindset” |
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Stage 4 |
Create and sustain your prosperity |
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Step 8: |
Become a homeowner |
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Step 9: |
Educate yourself and your children |
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Step 10: |
Manage money and relationships |
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Stage 5 |
Securing prosperity for generations to come |
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Step 11: |
Create your legacy |
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Step 12: |
Develop your prosperity cycle |
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The Personal Prosperity Programme is delivered in 13 modules. The modules are:
Achieving prosperity is a journey. It helps to have a good road map – and that is what the Life Prosperity Programme provides. It is a step by step plan, delivered in simple language, to allow you to work systematically to achieve the financial prosperity you seek.
This programme provides you with the tools, and the motivation, to improve your financial affairs – in a long-term and sustainable way. From your perspective, it provides you with a clear recognition that what matters most is not how much you are paid, but what you do with the money.
The process of achieving prosperity requires:
Awareness: an understanding of what it takes to be prosperous
Commitment: unswerving focus on doing the things that are necessary to achieve prosperity
Control: mastery of yourself.
Although we know there is “no free lunch”, the lure of easy wealth is seductive - hence the success of lotteries, games of chance and the myriad "get rich quick schemes".
For most of us, if we want prosperity, we must be willing to work hard for it.
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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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