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Brought
to you by:
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| Hurlbut Insurance Services
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About Our Firm:
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Bringing you 39 years of experience to help meet your needs in the areas of life insurance, health insurance, disability insurance, long term care insurance, cancer insurance, fixed annuities, group insurance and employee benefit plans.
You may also want to check out HEB Health Insurance for no obligation health insurance quotes.
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| QUOTES from
the
Masters... |
| On Risk Taking |
On Skills |
| "There
is always a risk to follow your bliss – a price to pursue your
passion."
-– James A. Ray
"When
looking back, usually I'm more sorry for the things I didn't do than
for
the things I shouldn't have done." -- Malcolm
Forbes
"The
quest for certainty blocks the search for meaning. Uncertainty is
the very condition to impel man to unfold his powers." -- Erich Fromm
"Every
great move forward in your life begins with a leap of faith, a step
into
the unknown." -- Brian Tracy
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"The
two major sources of value today are time and knowledge. Find new
ways every day to use them better." -- Brian
Tracy
"The
telephone is your second most important selling tool -- the first being
your mouth. Few salespeople really study the techniques of the
telephone.
Sit or stand tall when calling. Smile while talking. Focus on the call,
not what's on your desk." – Tom
Hopkins
"You
can cut down a tree with a hammer, but it takes about 30 days. If
you trade the hammer for an ax, you can cut it down in about 30
minutes.
The difference between 30 days and 30 minutes is skills." -- Jim Rohn
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How
Much Do You Know About Estate Planning?
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True |
False |
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| 1. The
unlimited marital deduction postpones the payment of federal estate
taxes. |
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| 2. A
married couple can give any individual up to $26,000 in gifts tax-free
in 2009. |
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| 3. Federal
estate taxes must be paid in cash, generally within nine months of
death. |
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| 4. Federal
estate tax rates are progressive, meaning that they increase with the
size
of the estate. |
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| 5. Your
estate may have to pay state inheritance taxes. |
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| 6. If
you die without a will, state intestacy laws will determine who
inherits
your property. |
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| 7. The
federal estate tax is payable only if your taxable estate exceeds the
unified
credit equivalent ($3,500,000 in 2009). |
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| 8. The
marital deduction does not apply to property you bequest to someone
other
than your spouse. |
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| 9. Under
current law, the federal estate tax is scheduled to be repealed for
only
one year - 2010 - and then reinstated in 2011 under 2001 tax
rules. |
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| 10. Various
estate planning techniques and tools can be used to reduce estate taxes. |
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All of these
statements are true.
If you answered seven or more
correctly, you
have a good foundation of knowledge upon which to build your estate
plan.
Regardless of how many you answered correctly, the time to begin
planning
your estate is today, before it is too late to make important decisions
about the accumulation, preservation and distribution of your assets. |
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| MESSAGES
from
the Masters... |
DOING
THE REMARKABLE by Jim Rohn
When
it comes to meeting and conquering the negativity in your life, here is
a key question: what can you do, starting today, that will make a
difference?
What can you do during economic chaos? What can you do when everything
has gone wrong? What can you do when you've run out of money, when you
don't feel well and it's all gone sour? What can you do?
Let
me give you the broad answer first. You can do the most remarkable
things,
no matter what happens. People can do incredible things, unbelievable
things,
despite the most impossible or disastrous circumstances.
Here
is why humans can do remarkable things: because they are remarkable.
Humans
are different than any other creation. When a dog starts with weeds, he
winds up with weeds. And the reason is because he's a dog. But that's
not
true with human beings. Humans can turn weeds into gardens.
Humans
can turn nothing into something, pennies into fortune, and disaster
into
success. And the reason they can do such remarkable things is because
they
are remarkable. Try reaching down inside of yourself; you'll come up
with
some more of those remarkable human gifts. They're there, waiting to be
discovered and employed.
With
those gifts, you can change anything for yourself that you wish to
change.
And I challenge you to do that because you can change. If you don't
like
how something is going for you, change it. If something isn't enough,
change
it. If something doesn't suit you, change it. If something
doesn't please you, change it. You don't ever have to be the same
after today. If you don't like your present address change it —
you're
not a tree!
If
there is one thing to get excited about, it's your ability to make
yourself
do the necessary things, to get a desired result, to turn the negative
into success. That's true excitement.
To
Your Success,
Jim
Rohn
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