7 steps to guide an Insurance agent towards success

In 2016, the estimated total number of independent Agencies in the United States stood at 38,000, according to Independent Insurance Agents & Brokers of America Inc. Given the huge number, it comes as no surprise that the competition is extensive to run an agency profitably. Today, we will examine 7 steps that can guide an agent towards success.
1. Be available:

8 Basic Tax-Filing Mistakes to Avoid

Mistakes and omissions in preparing and filing taxes are very common.  Given the complexity and the nearly 10-million words in tax law, the instructions are pretty lengthy as well. It is not a surprise that according to a Pew Research Center Poll, 72% of Americans surveyed believe the federal tax code is too complex.
Given the tedious processes involved with filing taxes, it is not very uncommon to make mistakes. Filing mistakes on your tax returns might result in the IRS contacting

The right age to begin saving for retirement

The only person who will take care of the ‘Older You’ someday, is the ‘Younger You’ today.
Retirement is an immensely personal decision.  Starting with the plans we make and the savings we put aside, we all work towards the goal of enjoying our golden years as peacefully as possible.  Although everyone has retirement on their mind and plan for it most of their adult lives, there is no one-size-fits-all approach to it.  So that begs the question, what is the ideal time to start working towards our retirement goals?  Ideally, we should

Five Basic Tips to Kick Start Your Nest Egg

Sooner or later, everyone needs to build a nest egg; one that will take care of you when you are unable to care for yourself.  Interestingly though, a lot of the younger generations – millennials especially – do not like to entertain the idea that we might have to retire one day and our income sources might be limited to what we have saved during our sunny days.  Well, people and perceptions are not entirely to be blamed; demanding lifestyles and other generally increasing costs of education, having a family, owning a home and/or a car, all add up to this mindset.  Nevertheless,

All you need to know about selling your home (Home Sale Tips)

Selling your home can go horribly wrong if you do not know the nitty-gritty of real estate. You could list your home for months and you may not receive a single offer. Some of the basic things that you should be thinking about before you list your home can be as simple as: What price am I expecting; how do I set the price; am I ready to sell yet; or should I hire an agent? Here are a few tips to ease the process:
Home Sale Tips
Decide if you need to hire an agent
Selling can be a long and complex process and you should be prepared to have patience if you are

Holiday Giving – Choosing the Right Charity

Giving is always in style!  But for many people, holiday giving is a time for religious, spiritual, or moral reflection. It is their way of saying thanks for a great year they experienced by donating to the less fortunate.  Did you know? The average American household charitable donation is $2,974.  $265 billion, or 71 percent, of the 2015 charitable donations were given by individuals, according to Giving USA.  These numbers reflect how

Equifax Data Breach and How You Can Protect Yourself

Chances are if you have ever had a credit card or loan, you have a credit history and you may be one of the 143 million Americans whose personal information was compromised in the recent data breach at Equifax, the world’s largest credit reporting agency.  Most consumers are not aware that Equifax holds their data, but it is important to know that Equifax collects and aggregates information of an estimated 800 million people worldwide.  While we can exercise little control over what happened to us through an outside

Who should you Trust with your Retirement Accounts

There are various reasons why we save for our retirement. The most common reason is that our earning is supposed to cease at some point as we age. It is the fear of the unknown that makes us save for the future. However, it is very important that we know where and how we are saving for our retirement. There are various third parties who help with retirement accounts. To have a perfect peaceful retirement plan, it is very essential that you determine whom you can trust with your retirement accounts.
The below finding is from

Expecting the Unexpected - Rainy Day Financial Planning

Failure to prepare is preparing to fail
-Benjamin Franklin
We prepare for many things in life-school, college, vacation, marriage, kids, grand-kids; the list is endless. But the majority of us ignore to prepare for the most inevitable, death. No one wants to think about it, but everyone needs to prepare for the possibility that they may suddenly die or otherwise become incapacitated someday. Along with the unbearable emotional loss, the ones you leave behind will also be subject to significant financial loss without proper financial planning, especially if you are the

4 Things You Didn’t Know - Life Insurance and Annuities

#1: Who Absolutely Does Not Need Life Insurance?
The primary reason someone may need life insurance is to provide financially for dependents in the event of his or her death. While this may seem somewhat obvious, it is important to use this idea as a primary filter when considering the purchase of a life insurance policy for people in different financial situations or stages of their lives.
Consider those life insurance commercials for an infant or child. These advertisements certainly play to our emotions. We love our children and it seems like this is somehow a caring