Coffee Bar

"Make Your Own Coffee" Challenge

People are either big believers in Life Insurance or they think they can't afford it or need it.  But  misfortunes happen every day.

Take the Challenge

Buy an awesome mug and take the "Make Your Own Coffee" challenge to save big.  The average cup of coffee costs about $2 a day.  A cup of Joe at a specialty coffee house can cost over $6 but brewing your own cup costs pennies.

Priorities

There's nothing wrong with buying a cup of coffee but if you don't have Life Insurance, consider taking the "Make Your Own Cup Of Coffee" challenge and save enough monthly to pay your monthly Life Insurance bill. You might  have money left over to pay down debt, savings or donations. 

Sign Me Up

Take the challenge if you answer yes to any of these questions:


You Drink Coffee
You are breathing
You are healthy
You have a mortgage
You have an auto loan
You have credit card debt
You have student loans
You are married
You have children



Familiarinsurance.com

Life in a box

Monthly and season subscription boxes are advertised as being life savers for delivering goodies like clothing, make-up, razors, and other self care products right to your home.  These deliveries cost between $25 to $100+ dollars but can save you money with pretty good product discounts.

Priorities 

American are spending an average of $1400 per month on non essentials. That could add up to 1 Million dollars during a lifetime.  JPMorgan Chase advised customers that their bank balances would be so much healthier if they “make coffee at home”.

 

The Trade off

Maybe the real life saver is life insurance.  Americans spend an average of  about $1,400 per month on non-essential items. Imagine spending just 5% of that on life insurance to make sure your family is protected.

Here’s some shameful monthly expenditures,  online shopping “for non-essentials” ($84),, “subscription boxes” ($94), and impulse purchases ($109).    

Read article Here




“My Wife and I thought Life Insurance was a joke then she died in a crash”

Read article Here

Buy Time

Life insurance can do amazing things for people. It can buy loved ones time to grieve  It can pay off loans. It can keep families in their homes.  It can  pre-fund a child’s college education. It can keep a family business in the family. It’s the easiest way to build an estate. It will create an influx of cash when your loved ones will need it most.

Already got it

Review your policy annually.  Update beneficiaries.  Buy more coverage with lifestyle change like buying a house, growing family or student loans.

Familiarinsurance.com

6 Inches of moving water

A Storm is Coming

Six Inches of moving water is what is takes to knock you off your feet.  Experts say to obey evacuation orders and don’t wait until it’s too late. 

 Read article from weather.gov site  

Evacuation and our Pets

When families are forced to evacuate from approaching floodwaters they’re often forced to make difficult decisions about their pets. FDA says the number 1 instruction is to bring your pet with you when you evacuate but some shelters don't accept pets.  Having a plan in place can give our fur babies their best chance. 

Pet Friendly 

• officialpethotles.com
• petswelcome.com
• petfriendlytravel.com

Below are some items from FEMA’s list for Pet Preparedness:

1. Food. At least a three-day supply 
2. Water At least three days supply
3. Meds and medical records
4. Important documents and Microchipping.
5. Collar or harness with ID tag, rabies tag and a leash.
6. Crate or pet carrier.  
7. Toys and treats. 
8. A picture of you and your pet together

Click FEMA.GOV to read full article: Items you’ll Need for your Pets Hurricane Emergency Kit.  

Drenched 

The Gulf Coast is preparing for Barry which is about 10 mph away from hurricane strength. Residents are mainly concerned about floods from rain and storm surge.  "Barry is expected to produce total rain accumulations of 10 to 20 inches over southeast Louisiana and southwest Mississippi, with isolated maximum amounts of 25 inches," the National Hurricane Center says.

Tropical Storm Barry Creeps Closer As Gulf Coast Prepares To Be Drenched

Read NPR article here 

The Gulf Coast is preparing, CNN says the real threat is rain “which could quickly turn into unprecedented flooding” .

 

Flood Insurance

Floods are the most common natural disaster in the United States and no home is safe from flooding. Find out what Flood Zone you live in and be prepared.  Get flood insurance for the next possible storm.  

Fantastic Voyage

Come on y'all let's take a ride

Be in the Driver’s seat during the July 4th sales push

Drivers are stretching out the length of car loans. The average loan is 70 months and the average monthly car payment is $554 for new cars. Experian reported outstanding auto loan balances in the first quarter totaled $1.18 billion.  

Inventory

“Dealers have too many vehicles on their lots compared to how many they’re selling,” said Ivan Drury, senior manager of industry analysis at Edmunds.com.

Be Prepared

Buying a car this weekend  - here's some tips for getting the best deal

• Know the deals on the market
• know your credit score 
• Use a loan calculator  
• Give the dealership your payment threshold 
• Get a vehicle history report on used cars  
• Take your time, shop different dealerships 
• Check online for deals and visit the dealership's website
• Look for cash-back deals

Check with your bank or credit union for financing

This gives you the upper hand.  The dealership will need to get you the best offer to get your business. 

The price 

Doing your research will give you more confidence and buying power.  Don't focus solely on the price of the car.  "If a slightly higher selling price comes with a better interest rate, you might come out ahead over the life of the loan.” senior manager of industry analysis at Edmunds.com

 

Sources: FOX business and CNBC





Familiarinsurance.com