Good-bye, 2019! Hello, 2020!

December 1, 2019

As 2019 ends, take time to reflect on your accomplishments, lessons you learned, and the knowledge and skills you acquired. Self-reflection helps build emotional self-awareness that enables you to ask yourself relevant questions and to gain a better understanding about your reactions, strengths, weaknesses, and motivational factors. An annual review is a great way to remember your favorite moments, take stock of the minor and major events of the year, and to plan for the coming year.

Areas for reflection on and questions to consider include:

Career

• What were the most important goals you proposed and accomplished this year?
• Did you deal with career challenges and plan for warranted changes?
• Did you improve your competencies in knowledge and skills?
• What is your most pressing unfinished project and what are your plans to complete it?
• Do you have any other goals that you didn’t meet in 2019?

Health

• What were your lifestyle, fitness, and diet accomplishments?
• Which healthy habits did you adopt and which unhealthy habits did you abandon?
• Did you review your health insurance plan to determine if you are adequately covered and are spending an appropriate amount of money on the level of coverage you need?
• What health challenges did you face and did you heed warning signs about health set-backs or need for medical check-ups?

Relationships

• What were the most significant changes in your personal and professional relationships?
• Did you make time for your family, friends, and colleagues?
• Did any of your existing or new relationships deserve more attention?
• Did you successfully mentor someone who relied on you for guidance?
• Did you willingly seek assistance from current and new people in your life?                              

Finance

• Did you keep track of and act on acquired debt as well as retirement, savings, and emergency fund options?
• Did you participate in realizing business-related financial successes (or failures)?
• What risks did you take and how did they pay off?

Emotions

• Did you try to understand your emotional needs and motivations?
• Did you communicate with others by expressing your feelings and by listening to and appreciating other people’s points of view?
• What do you wish you had done differently and how could you have done better?
• What new things did you discover about yourself that you tried to improve?

Joyful Endeavors

• Did you enjoy spending time on hobbies, vacations, and fun activities with family and friends?
• Did you try any new activities that you will add to your repertoire?

Technology

• Did you face new technological challenges at work or home?
• Did you evaluate your Wi-Fi needs and upgrade your home or office environment based on your assessment?
• Did you subscribe to or renew an insureyouknow subscription to allow you to store your meaningful and vital records in one secure easy-to-use location?

If you maintain a printed or virtual calendar/planner or diary/journal, save email messages, or participate in social media, you can refer to these daily, weekly, or monthly records to review your 2019 accomplishments. When spending time on self-reflection, jot down activities in a notes app on your phone or tablet, in a document on your computer, or by using pen and paper. By holding yourself accountable for personal and professional choices in 2019 and determining a successful course to take in 2020, self-reflection allows you to:

Recognize accomplishments and congratulate yourself.

Reflect on lessons learned, as well as knowledge and skills acquired.

Acknowledge mistakes to use as a self-improvement tool.

Analyze how you to do better in 2020.

Figure out what gives you joy and you are truly passionate about.

Insureyouknow has a tool available to track accomplishments and lessons learned upon completion of your annual self-reflection or any time throughout the year. You can digitally file data to refer to as you continue your self-reflection journey that will allow you to remember 2019 in order to prepare for 2020.

Financial Advisors 101

November 26, 2019

Have you wondered if you need a financial advisor? Are you puzzled about the type of financial professional you need to help with investing, financial planning, selecting insurance, repaying debt, education funding planning, tax planning as well as estate and retirement planning?

Many titles, including robo-advisor, broker, investment advisor, and financial planner are used to describe financial advisors who help clients manage their money and achieve long-term financial goals. Although there is crossover among all groups, and many financial advisors hold multiple credentials, they can be described in general as follows: 

1. Robo-advisors

Robo-advisors use computers to select and manage your investments. Some offer access to human advisors to answer questions, but their primary service is investment management, not financial planning.

Fees start as low as 0.25% of your balance and most charge 0.50% or less. Many have no or low account minimums, so you can start investing with a small amount of money.

Consider whenyou need help investing for financial goals like retirement, but don’t want or can’t afford a more holistic financial plan.

2. Online financial planning services

Relatively new to the market, these services offer investment management in conjunction with virtual financial planning. Clients typically meet with financial advisors by video or phone and receive comprehensive financial plans.

Fees, based on how much money is overseen for you, are described as “assets under management,” or AUM, that might range from 0.25% of your account balance to 1% or more, depending on the type of advisor you choose. 

Consider when you are interested in investment management, a comprehensive financial plan, and ongoing access to financial planners for less than the cost of a traditional in-person advisor. 

3. Traditional financial advisors

Working directly with clients to help them meet their short- and long-term financial goals, traditional financial advisors recommend specific investments and insurance products and may provide tax advice. In most cases, you’ll work with an advisor in your local area.

Fees will be based on a median financial advisor fee of about 1% of the assets managed for you, although some charge by the hour or have a set rate per service. Some require a minimum balance, such as $250,000 in assets.

Consider when you want specialized services, your situation is complex, or you want to meet your financial advisor in person.

4.  Brokers

Brokers work for broker-dealers—firms in the business of buying and selling securities (stocks, bonds, mutual funds, and other investment products) for customers. Brokers are required to make “suitable” recommendations for clients.

Fees are typically a mix of commissions and an advisory fee for portfolio-management services. Each firm has its own compensation formula. Statements show advisory fees and transaction costs. 

Consider when you need guidance or broad advice on funds or stocks, or on how to divide your assets among stocks and bonds based on your age and risk tolerance.

Tips for finding the best financial advisor for you

Once you’ve decided which type of financial advisor is best for your situation and budget, you can start your quest of finding an advisor appropriate for you. 

You should interview a few financial advisors before choosing one. Ask questions (including ones about philosophy on financial planning and investing, experience working with clients like you, and the number of years in practice) and check out their credentials and disciplinary history.

To vet a registered investment advisor, visit the U.S. Securities and Exchange Commission database, search an individual’s name, and find information on qualifications, employment history, disciplinary actions by regulators, and criminal convictions. 

When you’re ready to seek a financial advisor’s assistance, prepare by arming yourself with your personal financial data and specific questions to find the right pathway. Then, you can store quarterly and annual reports as well as investment portfolio changes at insureyouknow.org.

The weird and wonderful world of Insurance Policies

October 15, 2019

Auto insurance, disability insurance, health insurance, home insurance, life insurance, pet insurance, travel insurance…. The list is endless. The insurance industry was valued at a booming $1.2trillion in 2017, and can feel like an alphabet soup of options.

In previous blogs we’ve touched on the 4 types of insurance you must have, life insurance and pet insurance, and we hope you have followed some of these ideas and advice. This post is a little lighter and talks about some of the weird and wonderful, lesser known types of insurance out in the marketplace.

It is clear that despite the trillion dollar industry, there are entrepreneurs and companies out there looking to assume risk for some of the more absurd and unlikely events. Here are a few categories of insurance that made me take a second look – and then file in my mind as a useful piece of trivia to bring out during the holiday season.

 

A is for – Against Death by Laughter

There are lists of people that have died due to laughing. Intense laughter can increase the body’s blood pressure and ability to bring oxygen into the lungs. For some people – asthma attacks or heart attacks could occur as a result. The insurance policy against death by laughter has been utilized by a comedy troupe “in the event that an audience member died from laughter,” movie producers, and was popular in the early 1900s with movie goers who were concerned they may have adverse reactions to the film they are enjoying.

B is for – Body Part Insurance

Yes – there are people who will insure specific parts of their body, and there are companies that will evaluate the loss and put a financial number on it. The consumer for this type of insurance is usually famous athletes or entertainers who rely on certain body parts for their livelihood. Additionally, companies may insure individuals that they have signed deals with to ensure that they will get their money’s-worth. Examples of parts that have been insured under this policy type include voices, taste buds, teeth, mustaches, hair, and fingers.

C is for Change of Heart Insurance.

As its name suggests, this insurance exists for individuals that may be investing a large sum of time and money in a Wedding event, and are nervous about a change of heart. According to businessinsider.com – the average cost to get married in the USA is $38,700. Created to support the parents or families that are forking the bill for the event, it provides a refund if the couple decide that the engagement isn’t going to work out and wish to cancel the wedding ceremonies and festivities. The coverage has a couple of caveats that would make it viable for a small market. One – it cannot be purchased by the couple, only by those supporting the wedding, and Two – the change of heart must lead to a cancellation of the events at least 365 days before the scheduled date.

 

Whatever policy you choose, or decline from having – Insureyouknow has a tool to uncomplicate life. It can be utilized to digitally store all your documents and information in case you need to access it remotely – or from the comforts of your own home. Whether it’s a new policy you have purchased, or renewed, or a policy you have declined or cancelled– be sure to upload the policy and any related documents to insureyouknow. An insureyouknow subscription will allow you recall these documents, in the rare case that you or a family member may need it.

Note: This post was inspired by Wisebread’s article listing their top 10 insurance types, so feel free to read more about some of the policy types mentioned in this blog, and others.

Where have all the seasons gone?

October 1, 2019

There was a time when Spring, Summer, Fall or Autumn, and Winter meant something. When there was anticipation for the new season to begin – the atmosphere, air, environment and weather gave us clues that change was coming. Now we hear that Fall is coming, we see the days on the calendar getting closer to the Fall months, we see the signs and promotions in the stores, the Pumpkin flavored beverages are available – but it doesn’t feel like Fall.  For those of us living in the northern hemisphere – it’s not easy to know when Summer ends at and Fall begins – it creeps upon us until the day that we need to leave the home with a jacket and we exchange the shorts for long pants.

When we read definitions – the division of the seasons is defined as:

• Spring runs from March 1 to May 31;
• Summer runs from June 1 to August 31;
• Fall (autumn) runs from September 1 to November 30; and.
• Winter runs from December 1 to February 28 (February 29 in a leap year).

For those of us in Texas, there’s hot and there’s heat-advisory hot and we are in October and thought of a jacket hasn’t even crossed our mind. Fall may begin in November and last thru January; Winter may be for 6 weeks – February thru mid-March. For those in the Canadian states, there’s winter and not-quite winter. Jackets are a necessity for the majority of the months. The definitions doesn’t apply for us. But there are some traditions that despite the atmosphere, environment and weather, we continue to embrace such as the Pumpkin Spice Latte (and the other drinks on the secret Starbucks menu), falling leaves and boots.

All joking aside though, in North America – we have also added some seasons to the traditional 4 – Hurricane Season, Wildfire Season, Flood season, Mudslide season, Tornado season. Many of these overlap and occur in different parts of the country.

– Hurricane season is split by geography. “The Atlantic hurricane season runs from June 1st to November 30th, and the Eastern Pacific hurricane season runs from May 15th to November 30^th” This is about 6 months of the year.

– Wildfire season in the Western United States – such as California – which can last up to 7 months of the year.

– Flood season – varies across the country and can be throughout the year. In early Spring there is flooding in the northern United States as the snow melts from the Winter months. In Summer and Fall – tropical storms cause flooding in the Southern/Coastal states. Flash flooding can occur during any season.

– Mudslide season is another season that impacts the Californians. Usually post wildfire, or after storms, the mudslides cause multiple casualties and destruction due to the quick, unpredictable timeline. In 2018, the news was focused on the Southern California mudslides.

The world is changing, our environment and weather is changing. But there are ways to keep the memories and documents safe and consistent. Insureyouknow has a tool to uncomplicate life – that is available in any season. It that can be utilized to digitally store all the information in case you need to access it remotely – or from the comforts of your own home. Whether it’s too cold outside to access your safe-deposit box, or too hot to venture into the garage – an insureyouknow subscription will allow you remember the seasons past.

Until next time – Here’s a song from the Netflix studio about the standard seasons – a jingle to keep in your head as you wonder where the seasons are.

Who is the record keeper?

September 17, 2019

 

Do I really need to keep this? …yes….Now where should I keep this? In the information age it seems like there is more to keep track of – but when we come down to basics there are still basic documents that we all have and need, and need to be able to find. There is a lot of information online – bank statements, mortgage payments, bills, paystubs – but what happens when your circumstances change or the information system shuts down. Is there a way for you to get what you need – or your family members?

• Weeks. Paper receipts. The grocery store, gas, eating out. These receipts are not necessarily for long term record keeping – but they help when the credit card statement and balancing the checkbook routine comes. According to Experian research – the average U.S. consumer has an average balance of $6,354 on their credit cards. Without the paper receipts to verify transactions – the extra $100-$300 in excess charges or fraud may not be detected. After the monthly verification – the paper receipts can be discarded. Preferably in the shredder.

 

• Years. The ones that come to mind are the tax returns, mortgage payments and warranties. These are usually in a drawer or stuffed in a cupboard – “somewhere” and may not be accessible in an easy way. The ones that slip the mind and can be difficult to keep track of are the medical bills and plans. Even if you have changed employers, doctors or plans – there is no record of your medical history and payments other than you. Pre-existing conditions or the blood-test that didn’t get sent to the insurance company can come back years later when you interact with the same providers again. Suze Orman has an article on other documents that we should have in our record box.

 

• Forever – These are the one that we mention on most of our blogs and the things that are, hopefully, in our safe places. Give yourself time to get these together. Your birth certificate (and those of your household), Marriage License(s),(it is key to continue to keep the marriage license of previous marriages even if they have been officially annulled),  the Adoption papers and Death certificates. Wills and Death certificates (of anyone that may be connected to your life and could have influence in your future holdings). To get a copy of most of these documents – you need to make a request at the county where the event occurred. This can be tricky when a person is born or dies in a place other than their usual place of residence. If you are unable to physically go to the county clerk office – there are third-party groups that, for a processing fee, will be able to help you get the documents you need.

As you hit the deadlines of storage – don’t forget to dispose of your paperwork carefully. Saving the planet by utilizing the recycling bin is all in good nature, but identity theft is real and has happened to 1 out of every 15 Americans. Consider investing in a home shredder that can be used on a daily basis. Alternatively there are often community shredding services multiple times a year when you can take boxes of paperwork to be safely shredded. For a fee, local office supply stores will also shred important documents.

As you reach to begin the record keeping process and shred those papers, remember InsureYouKnow.org product offerings may be your answer. It’s a safe place to digitally store all the information in case you need to access it remotely – or from the comforts of your own home. Taking stock of your records, memories and your current resources with an annual plan, may provide the peace of mind you’ve been looking for.

Life Happens… Life Insurance Awareness Month

September 1, 2019

 

Our days are full. Our lives are full. We continue in our daily routine. But then something happens – the car doesn’t start, there’s a storm which makes the fence fall, the washer stops working mid-cycle. After the initial panic and stress, we utilize our resources and find a way to prioritize that and get it fixed. Perhaps a neighbor or our partner lends a hand, or we contact a handyman or the warranty company. However the larger “somethings” take a while to fix – the car needing new parts, the fence damaging the water line, or the appliances that need replacing – which alters the way that our days and lives function. Multiple resources are required to help continue our daily routine.  In some cases there is no way to fix the something and we need to stop our lives and re-evaluate what life will be like now. The resources cannot fix or support us – but Insurance can help.

There are so many types of insurance – car and home insurance are the most commonly marketed along with health. Every year – the National Association of Insurance and Financial Advisors dedicates September to Life Insurance Awareness Month. They launch a site and full spread of marketing materials on www.lifehappenspro.org to educate the public about the importance of planning ahead for the “life happens” moments. Life insurance has been misconstrued as a product that is only available for individuals with excess or resources but there are several options for all types of people.

When you search “insurance” in google – 4,960,000,000 results – pop up. How do we find the time, the right advisor, and the right type of insurance for your personalized needs?

Go to the well-known companies – the ones that show up in the top 10 search or the ones that are advertised in your life (television, billboards, newspapers, flyers in the mail). They often have resources that inform about product types before even interacting with the sales area.

Go to someone based on referral – the ones that your friends or neighbors recommend.  Family members alwayss have an opinion on something and even a negative story can steer you in the right direction. If you don’t have a community of people in your life to ask, putting an “ask” out on social media will provide comments that could be useful.

Go to a website that provides prices – the ones that can give you information without interacting with people. It’s tough to know what is a good price without knowing a ballpark range. An example of this is insureyouknow.org which provides a quote directly to your inbox after answering a few simple questions.

Insureyouknow.org can support you with your life insurance needs by providing you quotes directly on their website. There are also other InsureYouKnow.org product offerings to help you reference those important records when the “life happens” moments occur. It’s a safe place to store all the information in case you need to access it remotely – or from the comforts of your own home. An annual plan is available to support your budget needs.

Supporting your World – How to Donate

August 15, 2019

Donor fatigue has been taking the limelight in recent months. Many international nonprofits are unable to get the funding they need to cover the increasing needs. Flooding in Asia, Refugees in Central America, Ebola and HIV in East Africa, Endangered species in Europe. And closer to home – children needing school supplies and living without a balanced diet, seniors without funds to pay their bills, veterans without jobs. It all matters – it is all relevant, and it can all seem a bit too much – especially when many of us have concerns in our day-to-day lives. According to charitynavigator.org – 70% of donations come from individuals. How can you – an individual drill in and focus on what matters to you?

Look at your …

Passion– What in the world inspires you? Angers you? Has changed your life? This is the backbone of most donations in the United States. According to philanthropy.com, most donors give from the heart. Whether it’s due to a life changing event, love of animals or art, or a neighbor who you wish to support – it’s good to start somewhere…. Even if it’s just knowing what you are not willing to give to. Many households begin their journey of giving within their faith-based communities and continue from there, others start in childhood with sales from scouting. If you enjoy an organization’s work, or a cause – you are more likely to continue your support.

Budget – How would you like to donate? One time, monthly, semi-annually, on birthdays? How much can you give? There’s a nagging voice that often pops up when looking at this area – what’s in it for me. Some nonprofits provide levels or recognition for donations, others provide a material incentive – a logo-ed item, tickets to an event or opportunity to participate in an activity. Be mindful of the incentives you receive as they may affect the ability for you to claim on your tax returns.

Research – There are nearly 100,000 registered nonprofits in Texas, 1.5million in the United States and there is no clear number for the number around the world. Registered nonprofits are not the only ways to donate. There is overlap on causes, and there are scams. Gofundme among other groups are a recent phenomenon where individuals can reach out and ask for $$ without affiliation to a nonprofit. There are great stories out there, but also many people who are utilizing your heart and budget to fund their personal needs. Unfortunately there are people and people within nonprofits that are less than ethical. There are watch-dog organizations in the charitable space that publish findings and news.

Connections – As you research – there may be nonprofits that are new to you, people doing things that wow you. You do not have to support them with monetary means. Connecting with them via social media, joining their communication lists or even volunteering your time are ways to support the cause and may even be more valuable than cash. Some nonprofits also have wish lists or item donations that they appreciate more than the cash.

Family involvement – What is important to your partner, children, grandchildren, parents, siblings? Donations on behalf of family members can also provide value. There may be causes that you haven’t considered or ways to make the donation a team building effort. They may also have ideas for you to research.

Donations can also be documented for your tax return purposes. InsureYouKnow.org product offerings are a tool to support you. It’s a safe place to store all the information relating to your donations, easy to access remotely – or from the comforts of your own home, and has options to save receipts and documentation that you may need in the early part of the year. An annual plan is available to support your budget needs.

Not Quite Yet… Back to School Frenzy

August 3, 2019

The children are watching… your every move, your every snack and your every minute carved out for yourself. They are hungry for attention, for something fun to do, for YOU. You could be their parent, uncle, grandparent, neighbor or even the passerby in the grocery store aisle, but the child has a fascination and need to soak up all stimuli. How can we fathom what is going on in their minds with neurons firing and brain cells absorbing YOU?

There are many similarities between the preparation for the school year, and learning more about what makes you, YOU.

School Supplies – We get a list of school supplies provided by the school perhaps 3-4 months before the new school year starts. Some people will purchase the full school supply package from the school, have the supplies delivered to the school and not worry about anything further – their job is done, without even reading the list. There is the group in the middle that have studied the list, reviewed the communal supplies like tissues and wipes, and child-specific – pencils, folders, and composition books and are working at their own pace to find the best deals and coupons at the best stores. And others will see the list, but not act upon it until the last days before the school year starts – nearly 100 days later – and will rush to the nearest store to gather everything and more.

Which is better, which is YOU? It really depends on your values. Group 1 saves mental stress but spends more. Group 2 saves money but takes on the mental stress throughout the summer.  Group 3 spends more and has intense mental stress. Our personality type dictates how we handle the school supply task – and other to-do items.

Organizing the Calendar – The Summer months give many families a chance to escape from reality. The calendar belongs to you instead of the school system. Some people will fill the calendar with vacations and camps; there is something “to-do” everyday – essentially keeping the constant flow. Others will take each day as it comes, they may not know what day it is, what time it is and what is the next meal – the Summer is the Summer. The last group tries to have it all – keeping a foot in reality but having some fun along the months.

Which have you followed, which is YOU? It really depends on your circumstance. Group 1 may have more financial resources. Group 2 may have more time. Group 3 may need more control. Our life dictates how we handle the calendar – and other activities in our lives.

As you watch the frantic caregivers purchase school supplies, organize their calendars, and keep the youth entertained for just a few more days – remember there’s InsureYouKnow.org product offerings to reference those important records. It’s a safe place to store all the information in case you need to access it remotely – or from the comforts of your own home. Take stock of the summer memories and your current resources with an annual plan.

What do I really need?

July 23, 2019

Jumping down the rabbit hole of getting our affairs in order can seem like another chore on top of our full days. And where to start? The idea seems overwhelming – paperwork, copies, notarizing, legal counsel and fees. Questions add to our procrastination: What if I can’t find it? What if I don’t really know what my account numbers are? What if I can’t finish – does this just create more clutter?

There are many lists and suggestions of “in case of emergency” documents that everyone should have together, but when there are multiple people in your household, or multiple dependents – the task can seem confusing and overwhelming. I’ve thought of some suggestions of how to start the task, and then how to add to the folder or portfolio as time allows.

Stage 1: Locating documents.

Some of these are easier than others. Creating a physical file AND an electronic copy of these documents is vital in our new era of technology. Requests for “soft copies” or the need to provide 3 or 4 documents at a time makes it easier to utilize the electronic versions.

Suggestions for these documents can be found on our website – InsureYouKnow – but some of the easier ones are – Driver’s License, Social Security Card, Medical Insurance Card and Passport. Some of the trickier ones are Birth Certificate, Wedding License, Mortgage/Lease Paperwork and Vehicle Titles and may require you to reach out to the county office to apply for a copy.

Stage 2: Creating Lists.

If you are like me – making lists is easy. The hard part is filling in the information and remembering to update them. There are three types of lists that are important for ongoing upkeep.

Assets/Liabilities: Meaning – what do I have and what do I owe. Do you own property, land, business? Where do you put your money – bank, credit union, bonds, 401K? The liabilities are the companies you pay bills to – electric, cell phone, mortgage, pest control, car insurance. Essentially it’s the things that are in your head, but not documented in one place and certainly not available for all.

Contacts: Meaning – who are your most important people. Start with the top 10 list of people that you would like to know that a life change has happened. This doesn’t have to be in catastrophic instances – the lottery win would be a fantastic opportunity to utilize this list. Many times, there would be overlap in the lists for household members. Examples are children, siblings, parents, partners.

Medications: Most of us have this handy but is a good practice to have a medication list to share with a household member during an emergency or if we are unable to make it to the pharmacy for refills. There are several apps and templates available online to keep the lists uniform. A short narrative of the medical history can also be put with this list.

Stage 3: Fill in the gaps

As you get deeper in the rabbit hole, it will be clear that there’s items that you need to research further, and involve other parties. Examples include healthcare directives and living wills. These often need to be notarized to be valid and sometimes require a witness or legal professional. There are many options online but having conversations with those that you trust may uncover a resource that you can utilize that saves money, time and headache.

As you start putting all your documents together, consider using InsureYouKnow.org – an online information-safe, as a place to store them. This product gives you the ability to access documents, and files remotely – or from the comforts of your own home. There are various levels of access to allow your family members, caregivers or business associates insight into your documents – as needed. There is even a trusty reminder feature to help you remember that it’s time to update.

Happy Birthday America!

June 30, 2019

Happy Independence Day America. As the red, white and blue combinations emerge in our clothing and décor, marketing and sales galore treat our senses – It is a time for enjoyment in America. Fireworks, BBQ, Baseball, time with the family and friends – and for most of us – time off from work and the normal routine. Who doesn’t enjoy a birthday and time to celebrate, a time to kick-back and accept that the summer season is here – heat and all.

The 4^th of July celebrations have been diversifying since the first official celebrations in 1777, when “Philadelphians remembered the 4th of July. Bells were rung, guns fired, candles lighted, and firecrackers set off.” Though we have introduced the summertime aspects of sports and outdoor foods to our traditions the fireworks remain!

Here are some facts about America that we can introduce into our own traditions:

• There are 126x more people in the United States than in 1776. There is a reason that the American population continues to grow. With the 2020 Census coming up – we’ll be able to have a more accurate count of who and where everyone lives. “In July 1776 there were an estimated 2.5 million people living in the Colonial United States. Currently there are approximately 316 million Americans.” Do you have such colossal growth or debt during your lifetime that you haven’t accounted for? Looking at all our accounts, the 401k accounts from our first place of employment, and checking with family members to see if there are any assets lurking out there. There may be more than you know.
• We started celebrating the 4^th of July holiday 100 years after the Declaration was signed. If we waited that long to formalize the important things in our lives we would be in trouble. Power of Attorney, Wills, Healthcare directives, your birthday wish list, the Bucket List,  – the family and friends may know what your wishes are – but have they changed over the years. Document and act upon the things that are important to you – before 100 years pass. Americans were so busy creating their young nation that they forgot to enjoy and recognize national holidays until 1870.
• We have a Declaration of Independence  How many of us have read the declaration of Independence since we left school? There are lot of words, and a lot of fine print – and it’s the fine print that defines the why – why our military continues to fight for America. The British rules and regulations were stifling the growth of America, and the 13 states came together to put together a document to publicly declare freedom The full Declaration of Independence can be found in many books and the original lies in National Archives in Washington DC. Where is the history of your life, your family and the why?

As a proud American, with access to life, liberty and justice, the access we have to continue to keep our belongings safe is easy. With InsureYouKnow.org – an American based-company –our online information is safe. The ability to access documents, and files remotely – or from the comforts of your own home can be taken for granted, just like so many other things. An annual plan is also available for cost-savings.