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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 Overcoming Obstacles |
On Personal Responsibility |
| "Obstacles
across our path can be spiritual flat tires -- disruptions in our lives
seem to be disastrous at the time, but end by redirecting our lives in
a meaningful way." -- Bernie Siegal
"You
can't fly a kite unless you go against the wind and have a weight to
keep
it from turning somersaults. The same with man. No man will
succeed unless he is ready to face and overcome difficulties and is
prepared
to assume responsibilities." -- William
J. H. Boetcker
"It
is a mistake to suppose that men succeed through success; they much
oftener
succeed through failures. Precept, study, advice and example
could
never have taught them so well as failure has done." -– Samuel
Smiles
"Welcome
difficulties and obstacles as valuable steps in the ladder to success."
-– Brian Tracy
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"It
is not what happens that determines the major part of your
future.
What happens, happens to us all. It is what you do about what
happens
that counts." -- Jim Rohn
"Our
ultimate freedom is the right and power to decide how anybody or
anything
outside ourselves will affect us." -- Stephen
Covey
"99%
of the failures come from people who have the habit of making excuses."
-- George Washington Carver
"The
amount of satisfaction you get from life depends largely on your own
ingenuity,
self-sufficiency, and resourcefulness. People who wait around for
life to supply their satisfaction usually find boredom instead." -- Dr.
William Menninger
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What Is an
Annuity?
In
planning for financial security in retirement, an annuity can satisfy
two
basic objectives:
| 1.
To accumulate retirement assets on a tax-deferred basis: If
you're
already contributing the maximum to IRAs and any employer-sponsored
retirement
plans and need to save more for retirement, a deferred annuity may be
the
answer to your retirement savings need.
2.
To convert retirement assets into an income that you cannot
outlive: On the other hand, if you're
near or at retirement, an immediate income
annuity can be used to convert existing retirement assets into a
lifetime
income.
An
annuity is a long-term savings plan that can be used to accumulate
assets
on a tax-deferred basis for retirement and/or to convert retirement
assets
into a stream of income.
While
both are insurance contracts, an annuity is the opposite of life
insurance:
- Life insurance
provides financial protection against the risk of dying prematurely.
- An annuity
provides financial protection against the risk of living too long and
being without income during retirement.
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If you
are
already contributing the maximum to an IRA and/or an employer-sponsored
retirement plan, an annuity can be an excellent way to save for
financial
security in retirement.
Contact my
office
if you'd like additional information on the role an annuity might play
in your retirement planning.
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| MESSAGES
from
the Masters... |
CHANGE
– 4 WAYS TO MASTER CHANGE by Sheila Murray Bethel
We
are living in exciting age of unprecedented change. Today's accelerated
rate of change presents us with unique challenges and opportunities.
When
change brings success, keep your ego from getting out of hand. When the
change is negative, use your sense of humor to get through it. Once you
learn to handle change, you can take your skills, talents, and
abilities
and help others change. Let's look at four ways to enhance your mastery
of change.
1.
Don't Fight It.
The
natural tendency is to protect what you know and value, what has become
familiar and comfortable. Unfortunately the world will change with or
without
you. So you must adapt again and again. You make your life so much more
complicated when you fight the change. You cause yourself stress and
can
actually become ill. Remember the old Serenity Prayer: God grant me the
serenity to accept the things I cannot change, The courage to change
the
things I can and the wisdom to know the difference.
2.
You don't have to like the Change.
No
one ever said you have to like the changes you are experiencing.
However,
you do have to understand them so you can progress. Study, explore, and
read everything you can about the current matters that affect your
perception
and handling of change. Life is not always about "liking." It is about
doing the best you can, with what you you've got and getting on with
it--right
now!
3.
Know what to defend against change.
There
are some things we should resist changing because change does not
always
translate into better. Change for the sake of change alone can destroy
valuable situations, assets, and relationships. Many values deserve to
be defended. Ask yourself what you will change and what you will defend.
4.
Have a Sense of Humor.
Humor
can give you a momentary "emotional vacation." A sense of humor can
conquer
pretense, and diffused anger and hostility. It can take an impossible
situation
and change it into an acceptable one. The old axiom, "if you take
yourself
too seriously, no one else will," is key. The most effective people are
spontaneous and can use humor to express their feelings, and to
encourage
others.
When
you set out to be a change master and to make a difference in this
world,
there is no guarantee that it will be easy. By learning about change,
serving
others and helping them to learn to change, you will indeed be making a
difference.
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in nature and should not be considered complete information on any
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contact
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