Profile cover photo
Profile photo
IntelliQuote Insurance Services, LLC
63 followers -
Intelligent decisions for Life.™
Intelligent decisions for Life.™

63 followers
About
Posts

Post has attachment
You might think of a life insurance policy as something that your parents owned or as an option that you'll look into once you're closer to retirement. In reality, life insurance is a necessity if anyone depends on you for their daily needs.

It's never fun to think about death, but leaving this world is a certainty for each and every one of us. What we don't know is when our number will come up. Will you live a long and fruitful life, passing away among family at the ripe old age of 98, or will a tragic accident happen in your 30's that leaves loved ones in a financial bind?

Life insurance can provide many valuable benefits, chief among them is peace of mind. Here are just three ways that a simple term life insurance policy delivers a sense of empowerment and lasting feelings of contentment.

Read more:
3 Ways Term Life Insurance Will Make You Feel Invincible http://hubs.ly/H07xSjf0

Post has attachment
Why people often get it wrong when it comes to life insurance. http://hubs.ly/H07l5yW0

Post has attachment

Post has attachment
When you think about college for your children, you might either hold out hope that they'll earn a full scholarship or consider opening a savings account on the chance that they could need some help. Unfortunately, neither of these options may be sufficient when it comes time to enroll in a university and pay that first tuition bill. According to the College Board, the average cost of a year of college in 2016 was $9,650 (tuition only). Here are five of the best options for smart college savings.

529 College Plans

A 529 plan is a state-sponsored investment account that is designated for college expenses. The advantage of these plans is that they allow parents to save tax-free dollars for a child's future education expenses. The funds in the plan are invested differently according to the plan and the child's age, so you should shop plans carefully. The annual fees also vary by program.

Read more:
Smart College Savings Tips http://hubs.ly/H07w6JZ0
Smart College Savings Tips
Smart College Savings Tips
blog.intelliquote.com

Post has attachment
Mother's day is approaching. Here are 5 great financial tips for moms. http://hubs.ly/H07l31t0

Post has attachment
The primary objective of retirement planning is to be able to maintain a comfortable standard of living after you are finished with your career. Achieving this goal can be quite a challenge, particularly if you wait too long to get started with your plans.

According to the most recent Transamerica Retirement Survey of Workers, 40% of boomers expect their standard of living to fall in retirement and just 18% of Millennials are confident about their retirement plans. If you're not sure where to start, you're certainly not alone. Here are six secrets to creating a winning retirement plan.

Read more:
Secrets to a Better Retirement http://hubs.ly/H07s8DB0
Secrets to a Better Retirement
Secrets to a Better Retirement
blog.intelliquote.com

Post has attachment
No one likes to think of the day that they'll no longer be among the living. An even worse thought, though, is leaving this Earth and not providing for your family and loved ones after you're gone. The purpose of an estate plan is to make sure that the big items all the way down to the minor details are laid out for your loved ones, so that lessens the financial burden and strain of your absence. Here is a simple checklist to get you started on a basic estate plan.

Get a Will

One of the first things that you should do is to create a will. This is a legal document that describes how you want your assets distributed, who will take care of minor children, and how you wish your final arrangements to be carried out. Contrary to popular belief, wills don't need to be long, complicated, or expensive to create.

Read more:
Get Your Estate In Order With This Handy Checklist http://hubs.ly/H07mkv30

Post has attachment
If there's one thing that most consumers can agree on, it's that student loan debt is awful. Not only is being saddled with student loan debt after college a nightmare, but it's become a nationwide problem. According to the Federal Reserve Bank of New York, total student loan debt in this country is now over $1.3 trillion.

If one of your family members graduated from college in 2016 with a student loan-financed education, they would probably owe approximately $37,000, with average monthly payments of around $351. If you'd like to avoid this for your loved ones, you'll need to plan ahead. Here are the steps you can take to plan ahead for college and avoiding costly debt.
1. Start Saving as Early as Possible

You can't begin saving for college early enough. When you get home from the hospital with that bundle of joy, enjoy the moment. Once you've settled into your routine of feedings, changings, and naps, it's time to start looking at college savings plans. We're not kidding. The sooner you start, the lower the cost.

Read more:
Will Your Future Include Student Loans? Plan Now... http://hubs.ly/H07mkty0

Post has attachment
The winter weather is finally fading, and it's time to get back outside with the official arrival of spring. If you've already created your outdoor oasis at home, you're ahead of the curve. If not, it might be time to make some changes.

According to the "What Buyer's Really Want" survey from the National Association of Homebuilders (NAHB), more than 80% of homebuyers report that patios and front porches are either "desirable" or "essential." Here are five tips to maximize your outdoor space so that you and your family will use it as much as possible in the coming warm weather months.

1. Make it Comfortable

Your outdoor area should be the epitome of comfort. The best and most-used patio is often one that is an extension of your indoor space. Invest in comfortable outdoor couches and chairs that are completely weatherproof. Also, put down outdoor rugs that make walking around barefoot an option. Depending on your location, consider an outdoor fireplace and some fans for climate control.

Read more:
Spring is Here - Time to Get Outdoors http://hubs.ly/H07mjvn0

Post has attachment
If your idea of keeping track of your finances is throwing unopened bills into a cardboard box, you're probably not alone. While organizing is never fun, neither is finding out that you're overdrawn on your bank account or facing an audit because you failed to keep to a financial obligation. Spring is here, so after you've cleaned out the garage and prepped your gardens, here are seven tips to help you end the financial clutter in your life.

1. Establish Some Goals

Decide at the start what you'd like to achieve by getting organized. Pull out a piece of paper and write down some goals that reach out one, five, and even ten years. Some important goals might include debt repayment, college savings, a retirement plan, and a life insurance policy.

2. Create an Organization System

Pull out that cardboard box or that stack of mail in your home office and get ready for some serious work. There are two ways to organize your financial papers. The first is to use a filing cabinet and label folders according to subject and dates. You can also scan all of your paperwork and store your documents electronically. Either way is fine, but spend some time setting up your system.

If you have items that you don't need, such as old receipts and bank statements, use a shredder to dispose of them. Keep work pay stubs until you receive an annual W-2 and hold onto tax returns for as long as seven years.

3. Check Your Credit

It's always a good idea to check your credit periodically to make sure that it is accurate. You also want to ensure that no one else is using your name or other information. You can get a free credit report once per year through http://hubs.ly/H07mknS0. If there are inaccuracies, dispute them with the credit bureau.

4. Begin Keeping a Monthly Budget

Start keeping a monthly budget. While you can use Excel or even pen and paper to create a budget, there are now many free budget apps that have some great features. For example, http://hubs.ly/H07mknT0 will integrate with your bank account so that you can track your spending in real-time as well as monitor your monthly goals.

5. Pay Off High-Interest Debt

If you have debt with high-interest rates, such as credit cards or even student loans, target these for pay off as quickly as possible. The sooner you can pay off these debts, the closer you can get to achieving other important financial goals.

6. Set Bills on AutoPay

One of the things that can quickly damage credit is forgetting to pay even the most minor bill. If you have utility, car insurance, or other bills that come due each month, put them on autopay and then schedule calendar reminders for yourself so that you make sure the funds are available.

7. Start Saving

Once you get a budget established, can see where your money is being spent each month, and get rid of some of that high-interest debt, you'll find yourself in excellent financial shape. Take a look back at those goals and start your savings plan. This is also the perfect time to purchase a life insurance policy if you haven't done so already.

Knowledge is power. The more you know, the easier it is to make an intelligent choice. Everyday life, as well as certain events and circumstances, require you to make choices. And peace of mind is gained when you feel good about the decisions you make.

When it comes to life insurance, IntelliQuote is there for you to make the intelligent, well-informed choice. From term life insurance to universal life insurance and final expense insurance, we make it easy for you to compare, shop and save. Get multiple quotes now and make the intelligent decision for Life.


Read more:
Spring Cleaning - End Financial Clutter http://hubs.ly/H07mknX0
Wait while more posts are being loaded