Prepare for the future

I wanted to take a moment to ask you how prepared you are for the future? I talk to many people in the course of my day who are interested in buying or refinancing. Many of them have had a life change sometimes good sometimes bad that can prevent this. The number one reason they can't do what they want is because they weren't prepared for the twists that life gives us sometimes. An illness, a lost job or even a death in the family can cause such havoc and grief and then it's compounded by hearing that the person doesn't qualify for a loan.

I have seen people lose their homes because a spouse passed away or because of an accident or illness. If you are a homeowner you need to have a will in case the worst happens. If you die without one it can be months until your home can be sold and any benefits may not go to the person that needs them and the person that you actually intended. I have seen this happen and it was crushing for the surviving spouse. You need to have life insurance for your spouse and your children.
And you should consider buying life insurance for your children again in case the worst happens.

You may wish to consider a short term disability plan for you in case of accident or illness. They are cheaper than you think and have many advantages to keep the income flowing in case something happens to you or your partner. Some plans even have a return of premium benefit in case you don't actually use the benefits. No one ever thinks that bad things happen until they actually do and then of course it's far too late.

Because of what I do I have seen the problems not being prepared can cause for you and your family. If you don't know anyone who does the sorts of things I am discussing I am happy to make a referral to a select group of trusted financial advisors. My family has used each of these people for years and I couldn't be happier with their expertise and level of customer service. If you do have someone that you use I think it's wise to shop and compare much as you would a mortgage. Different financial advisors have different programs and rates and until you research with a few people you will truly never know what the best solution will be for your family. If you require more information or would like to speak to a few people just let me know. I highly recommend Chris Staub and Jason Silverberg

Both are highly qualified in a variety of areas to guide you thru investments and all the pros and cons of different types of insurance for you and your family. To save you money on car and home insurance again I couldn't recommend any higher Steven Bender.
He is honest, has great service and has saved me thousands of dollars over the years in both car and home insurance. He has also educated me in what home insurance does and does not cover.

I hope this was helpful and please let me know how I can help you and your family with this or any mortgage related needs.