Prism Insurance Agency: Recent Episodes
Prab Randhawa
Prism Insurance Agency is dedicated to helping improve the lives of our clients through: 1. Reducing Insurance Costs Wherever Feasible 2. Providing Guaranteed Performance Products to help enhance Retirement Savings 3. Reducing the Out of Pocket Costs faced by our clients for College and University Attendance by children and grandchildren 4. Reducing the unknown wealth transfers suffered by our clients through their daily lives 5. Planning for all potential long term consequences our clients could face and mitigating the risks wherever possible. Through a successful implementation of the above tenets, we improve our clients lives both in the near and the long term helping them establish themselves on solid financial footing while making sure that the journey is a pleasant one, along the way.
If you didn’t wake up tomorrow, would your family be able to pay the bills? Or would they struggle to make ends meet, on top of dealing with the grief of losing a family member? Craig Wiklund joins us to share his heartfelt story of how he helped his dear friend and client build a meaningful plan to protect his family and business – just in time. Learn from his example of how to cover your bases in the case of the unexpected.
Make sure your family will be okay by having life insurance and get started by going to: https://www.myprisminsurance.com/life/
Is it possible to create financial certainty when facing an uncertain future? With an unpredictable market, changing horizons of Medicare, social security and taxes… how can you prepare a bright financial future for yourself? Joins our discussion to discuss how you can strategize for success.
Get a retirement plan for you by going to: https://www.myprisminsurance.com/retirement_plans/retirement_review.aspx
The landscape of life insurance has changed quite a bit over the past several years. Industry expert Jim Kerley joins us to discuss new research findings on how Americans can afford, use, and better understand life insurance. Learn about new things to consider when using life insurance as a tool for financial security while living, in your estate plan, and as a business owner. Get a life insurance quote today by going to: https://www.myprisminsurance.com/life/
In our global world, our personal choices and finances are more connected than ever before. Joining Prism Insurance Agency is Gibran Nicholas, Real Estate Expert and Trend-Spotter, to explore some of the recent trends in the market that may have a financial impact that we need to prepare for. Gibran sheds light on how current choices made by the millennial generation, and the financial situation in Greece and Europe have a potential ripple effect on our global economy. Make sure your retirement can withstand economic trends by going to: https://www.myprisminsurance.com/retirement_plans/retirement_review.aspx
What drives our actions? What role does uncertainty, habit, and a need for protection play in our decisions? Steve Luckenbach, financial advisor and author of a new book joins Prism Insurance Agency. Steve discusses the “why” of our actions so you can learn how take advantage of the way you think…in order to get the results you want. Make sure your retirement is driven by your why: https://www.myprisminsurance.com/retirement_plans/retirement_review.aspx
Can you think of a better gift to offer future generations than education? A little bit of pre-planning can help alleviate debt for students and open up financial options for the whole family. This episode's guest is 529 College Savings expert Jeff Roche, here to discuss the major advantages of 529 plans, their influence on taxes and student financial aid, and what costs can be covered by this financial tool outside of a classic 4-year degree. Join Prism Insurance Agency as we explore the intricacies of the 529 College Savings Plan and finding a meaningful, realistic approach to plan for education.
Make sure that your ready for college and retirement by going to: https://www.myprisminsurance.com/retirement_plans/retirement_review.aspx
How do the tech-savvy millennial generation and the financial industry fit together? As young consumers, aged 18-35, what should they consider when planning for a bright future? Joining Prism Insurance Agency is Juli McNeely, President of the National Association of Insurance and Financial Advisors, here to discuss the financial tools available to millennials and how they can plan now to achieve their goals. Learn what millennials might consider when choosing an advisor, and what resources they can use to empower themselves financially.
And if your looking to ensure your retirement plan is on the path you want, please go to: https://www.myprisminsurance.com/retirement_plans/retirement_review.aspx
One of the biggest purchases you will make in your lifetime is your home. Between the series of financing decisions, piles of legal paperwork, and the process of touring properties, it can be a lot to manage! Do you have the right professionals on your team? What needs to happen between making the decision to become a homeowner, and closing on a property? Real Estate Expert Scott Stortz asks you to consider these and other critical questions to help you find your ideal home.
Make sure you have enough Life Insurance to pay off the mortgage in case something happens to you by going to: https://www.myprisminsurance.com/life/
How much money should you be saving for retirement? What’s the difference between a Roth IRA and a 401(k)? What’s the best option for your financial situation and your tax bracket? As an employer, what plan should you set up for your team? Join Prism Insurance Agency as we explore your options to maximize your retirement contributions.
Make sure your Retirement is Ready by going to: https://www.myprisminsurance.com/retirement_plans/retirement_review.aspx
Do you consider insurance to be an asset, or just another premium you pay each month? With life insurance, it is truly an asset – as long as your policy is in force, it will contractually pay a death benefit. What if your need for life insurance isn’t there anymore? What if you can’t afford the premiums, but still need some coverage? Join us as we explore some valuable alternatives to letting your life insurance policy lapse and losing that asset.
Get a life insurance quote by going to: https://www.myprisminsurance.com/life/
Do you know what the value is of your life insurance? How do life insurance products work? What tax benefits do they provide? How do you find the right amount of coverage? Marv Feldman, CEO of the nonprofit organization Life Happens, joins us.
Get a No Obligation Life Insurance Quote by going to: https://www.myprisminsurance.com/life/
Whether you’re considering a new field of study, preparing for a job interview, or looking for career advancement, the employment landscape can seem daunting. Joining us this week on Prism Insurance Agency's podcast is Job Placement Coordinator Tom Sinsky, who advises students on the interview process at South Coast College. Whether you’re a young adult just joining the workforce or an established professional, learn about the basic ingredients to success in the ever-changing job market.
Make sure that your ready for retirement by going to: https://www.myprisminsurance.com/retirement_plans/retirement_review.aspx
What if you could “sit back, relax, and enjoy the journey” of retirement? This week’s guest encourages you to do just that! Scott Lopas, Founder of Kettle Moraine Tours, joins Prism Insurance Agency to fill you in on the benefits of group travel – exclusive ticket deals, options for all kinds of budgets, and opportunities to socialize and get back out into the community! Having your travel logistics handled by professionals behind the scenes allows you more freedom to enjoy the experience. With a focus on what you’re retiring to (versus what you’re retiring from), let’s explore options for fun travel opportunities in retirement!
And to make sure your traveling during retirement please go to: https://www.myprisminsurance.com/retirement_plans/retirement_review.aspx
You may have created a will, but there are a few other critical documents to consider that people often overlook. Joining us at Prism Insurance Agency is Attorney Rob Melick, to discuss the advantages of and differences between trusts, wills, and healthcare and financial powers of attorney. We’ll take a look at a few real-life examples of the power of putting these documents in place, and the protection they offer to family members, during health events and in your legacy.
Make sure your retirement has been considered thoroughly as well by going to: https://www.myprisminsurance.com/retirement_plans/retirement_review.aspx
“There’s no place like home.” As we consider our futures, many people would prefer to stay in their home well into retirement and beyond. It is essential to have a Long Term Care plan, whether that involves insurance, home remodeling for accessibility, or putting family support in place. Join us for this week’s episode with Rob Horkheimer, a practicing physical therapist, accessibility consultant, and national instructor, as he discusses what to consider when putting together the pieces of a Long Term Care plan.
And to make sure the rest of your retirement goes how you wish, please go to: https://www.myprisminsurance.com/retirement_plans/retirement_review.aspx
If you haven't checked out LinkedIn yet, you need to! As an employee or an employer, this networking site is full of tools for you. You can use it to find a new job, market your business, connect with the right people for prospecting - the possibilities are endless! Listen in with LinkedIn guru Wayne Breitbarth, who shares some tips on making the most of this powerful website.
Follow Prism Insurance Agency, Inc. on LinkedIn by going to: https://www.linkedin.com/company/prism-insurance-agency
Income taxes are most Americans’ biggest expense, and many people overpay! Are there deductions you’re not taking advantage of because you’re not aware of them? Are there deductions you’re not taking simply because you don’t want to ‘raise a red flag’ for the IRS? Sandy Botkin, CPA and CEO of the Tax Reduction Institute, joins us this episode to share some of the most overlooked deductions, as well as to discuss the value of using a tax-tracking tool, which can make things much easier if you have to go through an audit, as well as ensures you are not missing out on any important deductions.
To get a complimentary review of your retirement plan and to ensure your not setting yourself up for failure please go to: https://www.myprisminsurance.com/retirement_plans/retirement_review.aspx
According to a recent article by Psychology Today, “94% of college students say the top word to describe their life is ‘overwhelmed.’” With Google, Facebook, smartphones and apps, we can get answers instantly and we’re constantly connected... Is it too much, or not enough? Joining us this week is Brian Flynn, Counselor and Coach to young adults of the Millennial Generation. With Social Media, there is a lack of depth and authenticity, which makes it difficult for young adults to build meaningful relationships. Hear Brian’s perspective on what we can do to pass on our values to the new generations and strengthen our own connections in a significant way.
And to make sure that your retirement plan and you are communicating correctly, get a complimentary review by going to: https://www.myprisminsurance.com/retirement_plans/retirement_review.aspx
Celebrities have access to the best resources when it comes to financial and estate planning, yet they still make the same mistakes we do! If you don’t have a plan or it’s out of date, things can get messy. This episode's guests are Danielle and Andy Mayoras, husband-and-wife legacy expert attorneys who have lent their expertise to hundreds of media sources, including ABC News, The Wall Street Journal, Forbes, Access Hollywood, and Entertainment Tonight to name a few. They’ll discuss what the rich and famous are doing right and wrong when it comes to their wills and estate plans, including the stories of Marvin Gaye, Joan Rivers, Robin Williams and Paul Walker.
And to make sure your retirement is as bright as you are, please go to: https://www.myprisminsurance.com/retirement_plans/retirement_review.aspx
What age do you consider to be ‘old’? In the 1800’s, 65 was old, and the life expectancy was 47. Today, we are living decades longer – it might be time to change the way we think about retirement. Joining us is Gerontologist, Author and Speaker Kelly Ferrin to discuss Life Planning. Instead of retiring cold turkey when you turn 65, let’s think about how you want to enjoy your Golden Years. Join Prism Insurance Agency as we discuss planning for what you’re retiring to, and not just what you’re retiring from.
To get a custom plan for yourself please go to: https://www.myprisminsurance.com/retirement_plans/retirement_review.aspx
According to US Debt Clock http://usdebtclock.org as of March 2015, the US National Debt is over $18 trillion. That comes out to be $154,112 of debt per taxpayer! Let's take into account unfunded liabilities, such as Social Security and Medicare - we're in the red about $811,450/taxpayer. Is there a plan to turn this around? What can we do to get back to black, so we can leave our children a country better than we found it, instead of indebted and insolvent? Joining us this week is Congressman Paul Ryan to give his take on what our options are, and why we need to act on this issue now before it gets worse.
Make sure your retirement is ready for this by going to: https://www.myprisminsurance.com/retirement_plans/retirement_review.aspx
This episode’s guest is Ken Ruettgers, former NFL offensive lineman for the Green Bay Packers, earner of a Super Bowl ring from the 1997 Packer win over the New England Patriots, and Green Bay Packers’ 1989 offensive MVP. Jim heard that Ken was recently inducted in the Packer Hall of Fame, and discovered his organization, GamesOver.org. Game’s Over is a non-profit group dedicated to help former professional athletes cope with the stresses of retirement.
Make sure your retirement never tells you it's game over by going to: https://www.myprisminsurance.com/retirement_plans/retirement_review.aspx
We have a unique guest this episode, who Jim met at Soaring for Success, a Speaker Series put on by the Experimental Aircraft Association (EAA). Joining us is Darren Pleasance, Google Executive and leader of Google’s Customer Acquisition team. Darren tells us Google’s principles for conducting business and improving, which, especially as business people ourselves, we can all learn something from.
Achieve 10X Success for your Retirement by going to: https://www.myprisminsurance.com/retirement_plans/retirement_review.aspx
Joining us is David Walker, Former US Comptroller General. Over his professional career, David has held leadership positions in the private, government and not-for-profit sectors – culminating in a decade-long mission to promote fiscal responsibility. From 1998 to 2008, Dave served as the seventh Comptroller General of the United States, where he spoke the truth to the American people about Washington’s fiscal mismanagement. Most recently, he served as CEO of the Comeback America Initiative (CAI), an organization Dave founded to engage his fellow citizens in the fight to restore fiscal sanity.
Get a review of your retirement by going to: https://www.myprisminsurance.com/retirement_plans/retirement_review.aspx
This episode’s guest is Roger Sweaney, who we met at the NAIFA National Annual Convention in September. Roger has been dubbed a ‘medical miracle,’ surviving (with a 0.002 chance) brain cancer surgery, chemotherapy, radiation, epilepsy surgery and a life-threatening stroke. Roger now speaks around the country with a passion to educate Americans about Disability Insurance. He shares his story of losing a six-figure job, house, all financial assets, children’s college fund and spouse, and how choosing the right disability coverage could have meant keeping his life together.
We’ve all heard the classic “rags to riches” tales of the American Dream, but did you listen to the rest of those stories? According to a recent article by CNN.com, 90% of the time, a family’s fortune is gone by the third generation. Our guest Ryan Ponsford noticed that as wealth was transitioning to the children, they end up blowing all the money and hating each other. Listen in to hear Ryan explain this phenomenon, and how you can help your family avoid going from riches back to rags. Create a Financial Legacy today by going to: https://www.myprisminsurance.com/life/
Did you know that more than 5 million Americans are living with Alzheimer’s Disease? Every 67 seconds, another American is diagnosed. Listen to learn the 10 signs of Alzheimer’s Disease, and what planning tools are available to help families protect their lifestyles and financial security when a healthcare issue like Alzheimer’s arises.
What age do you plan to retire? When should you start taking out Social Security? Should you take your money somewhere with a high rate of return, or with a predictable cash flow? When crossing the bridge into retirement, do you have a plan to protect your assets and avoid the tax traps? Listen to learn some strategies that can save you from financial distress during your golden years. Take action by going to: https://www.myprisminsurance.com/retirement_plans/retirement_review.aspx
Taking out Social Security isn't just a question of when, but 'how'. Social Security workers legally aren't allowed to tell you about a benefit you may be eligible for unless you specifically ask. Do you know the maximum benefits you’re entitled to with Social Security? Do you know how much you can expect to receive from Social Security when you retire? What changes if you’re a surviving spouse? Make sure your Retirement Ready https://www.myprisminsurance.com/retirement_plans/retirement_review.aspx
What does success look like? How does it make you feel? What can you contribute to make that happen? It’s questions like these that helped the CEO of Porsche take the company from near-bankruptcy to over 500% growth in just four years! Make your Retirement Great: https://www.myprisminsurance.com/retirement_plans/retirement_review.aspx
The interview with Jack Plunkett regarding where he believes the next big market boom will come from.
Want to know if we can help? Get started by going to: https://www.myprisminsurance.com/get_a_quote/default.aspx
Want to know if we can help? Get started by going to: https://www.myprisminsurance.com/get_a_quote/default.aspx
Interview with Dr Greg Salsbury with advice on how to plan to live.
Want to know if we can help? Get started by going to: https://www.myprisminsurance.com/get_a_quote/default.aspx
Interview with Kevin Gaskell with a template you can bring in to your life and your business immediately.
Want to know if we can help? Get started by going to: https://www.myprisminsurance.com/get_a_quote/default.aspx
Main Street Philanthropy interview with Ryan Ponsford.
Want to know if we can help? Get started by going to: https://www.myprisminsurance.com/get_a_quote/default.aspx
Roger Sweaney's inspiring story of how he has combated illness is a great lesson in persistence and courage.
Want to know if we can help? Get started by going to: https://www.myprisminsurance.com/get_a_quote/default.aspx
Interview with Dr. Robert Pokorski regarding the physical impacts of long term chronic illness.
Want to know if we can help? Get started by going to: https://www.myprisminsurance.com/get_a_quote/default.aspx
Interview with Robin Mueller regarding strategies to maximize Social Security payments.
Want to know if we can help? Get started by going to: https://www.myprisminsurance.com/get_a_quote/default.aspx
Interview with Greg Gagne regarding planning for Retirement.
Want to know if we can help? Get started by going to: https://www.myprisminsurance.com/get_a_quote/default.aspx
Choosing a health plan that's right for you can be difficult. In this interview we talk about a few ways you can do just that!
Questions? Want to know if we can help you? Learn more by going to: https://www.myprisminsurance.com/get_a_quote/default.aspx
Interview with Kristin Alfheim And Diana Butz with tips and help in dealing with the Financial Impact of Alzheimers Disease.
Want to know if we can help? Get started by going to: https://www.myprisminsurance.com/get_a_quote/default.aspx
Fighting cancer is a multi-pronged fight. Here we learn the story of Camille Snyder and how she dealt with it.
How much time do you spend planning a vacation? If you spend about five hours, you’re like most Americans. Do you spend the same amount of time selecting the right health insurance plan? How much time would you spend on your health plan if you knew there was a possibility to save an average of $750? Learn more by going to: http://www.myprisminsurance.com/health
Make sure your retirement is ready by going to: https://www.myprisminsurance.com/retirement_plans/retirement_review.aspx
Make sure your retirement is ready by going to: https://www.myprisminsurance.com/retirement_plans/retirement_review.aspx
Make sure your retirement is ready by going to: https://www.myprisminsurance.com/retirement_plans/retirement_review.aspx
Make sure your retirement is ready by going to: https://www.myprisminsurance.com/retirement_plans/retirement_review.aspx
Make sure your retirement is ready by going to: https://www.myprisminsurance.com/retirement_plans/retirement_review.aspx
Money How The Destruction Of The Dollar Threatens The World Economy And What We Can Do About It by Prab Randhawa
Did you know that 30% of Americans have no life insurance, and many don’t have enough? Did you know that a third of people wish their spouse had life insurance—or more of it? Is it worth it to insure a spouse that stays home to take care of the kids? Join Prism Insurance Agency as we honor Life Insurance Awareness Month with the CEO of LifeHappens.org, a nonprofit organization dedicated to educating Americans on the importance of life insurance. Check out the “Videos” section on their website to hear some Real Life Stories from families who have experience with life insurance. Go to our website to take care of this for your family today! https://www.myprisminsurance.com/retirement_plans/retirement_review.aspx
Do you lie awake at night, worried that your retirement income might not last as long as you do? Join Prism Insurance Agency with one of the nation’s leading experts on retirement income planning, Tom Hegna. He will share with us some of the secrets he’s learned from his latest book, Retirement Income Masters, in which he’s interviewed 14 of the top income planning advisors in the country. Tom shares some tips with us that you can implement with your financial advisor that will allow you to sleep better at night.
https://www.myprisminsurance.com/retirement_plans/retirement_review.aspx
Join Prism Insurance Agency with Lewis Schiff, author of the book Business Brilliant, as he shares surprising lessons and habits of the greatest self-made business icons in America. Learn more by going to: https://www.myprisminsurance.com/retirement_plans/retirement_review.aspx
As pensions and Social Security are going the way of the dinosaurs, saving for retirement is now up to you. What if you outlive your savings? What if inflation goes up and the market goes down? Did you know that if a husband and wife are both 65, there is a 50% chance that one will live to the age of 92? Listen to Prism Insurance Agency as we’re joined by national speaker and advisor consultant, Tim Kiesling. He’ll discuss the risks that could keep you from a comfortable retirement, and some steps you can take that can help mitigate your exposure to those risks. To Learn More Go To: https://www.myprisminsurance.com/retirement_plans/retirement_review.aspx
The Class of 2014 made history! They were officially named “The Most Indebted Class Ever,” averaging $33,000 in student loans, according to a report by the Wall Street Journal. Join Prism Insurance Agency with Brock Jolly. Brock discusses different college planning strategies to prepare your kids and grand kids for college expenses so they don’t have to break the record. Go To: https://www.myprisminsurance.com/retirement_plans/retirement_review.aspx
To Learn More!
Prior generations have had a ‘three-legged stool’ to count on for retirement: Social Security, pensions and personal savings. As certain legs of that stool become shorter, we need to adjust our planning. We welcome back retirement expert Tim Kiesling to dive a little deeper into the possibilities with income annuities. Tim breaks down when certain types of annuities can work extremely well, and when others might not be a good idea. https://www.myprisminsurance.com/retirement_plans/retirement_review.aspx
Annuities: the worst possible idea you’ve ever heard? Or the best concept since sliced bread? Join Prism Insurance Agency as we hear from retirement expert Tim Kiesling on the good, the bad and the ugly of annuities. He will go over when annuities can be appropriate in a financial plan as an accumulation tool, and next week, he’ll talk about them as a distribution tool. https://www.myprisminsurance.com/retirement_plans/retirement_review.aspx
The success of wealth transfer is greatly dependent on the level of trust and communication among family members. Join Prism Insurance Agency and our guest, a retired FBI Special Agent and spokesman, who will inform us about the principles of communication and how to apply them to wealth transfer within the family. Lack of communication could mean the difference between leaving a legacy that lasts generations or one that stops way too soon. https://www.myprisminsurance.com/retirement_plans/retirement_review.aspx
When was the last time you had a checkup on your home or auto insurance coverage? Are you certain that everything you have is covered the way you think? Join www.myprisminsurance.com as we explore the most frequently asked questions and common misconceptions about home and auto insurance with a 25-year veteran insurance specialist. https://www.myprisminsurance.com/framed.aspx?ref=900
If you or someone you know is a veteran and served during a period of war, you may be eligible for a supplemental pension benefit. Did you know spouses may also be eligible for these benefits? Join Prism Insurance Agency as we’re joined by the founder of Elder Resource Benefits Consulting, Patty Servaes, as she discusses more surprising details of the Veterans Aid & Attendance Pension. https://www.myprisminsurance.com/retirement_plans/retirement_review.aspx
So, you’re in the market to buy a new car. With all the incentives and options available from car manufacturers today, it can be hard to figure out the best deal for your needs. Join Prism Insurance Agency and our guest from Kiplinger’s Personal Finance to discuss the considerations of buying versus leasing your next car. https://myprisminsurance.com/framed.aspx?ref=100
What happens when a famous Hollywood actor passes away with his financial advisor? What if he has a live-in girlfriend, a child from a previous relationship, and parents… but no will? It’s almost a script made for Hollywood! Join Prism Insurance Agency as we discuss the Paul Walker story: his tragic accident, the fate of his estate, and what lessons we can learn to avoid making the same mistakes.
To learn more go to: https://www.myprisminsurance.com/retirement_plans/retirement_review.aspx
Are you living the ultimate life? Join Prism Insurance Agency to discuss the books turned feature films, The Ultimate Gift and The Ultimate Life, with their author, Jim Stovall. Learn his secrets to happiness from his remarkable story as a blind person who created his own success.
To learn more go to: https://www.myprisminsurance.com/retirement_plans/retirement_review.aspx
Do you have financial worries or feel as though you would like to understand personal finance better? You’re not alone! According to the 2013 Financial Literacy Study, 40% of adults gave themselves a grade of C, D or F on their knowledge of personal finance. Join Prism Insurance Agency with our guest to discuss managing your finances during each stage of life from teenager to retiree.
To learn more go to: https://www.myprisminsurance.com/retirement_plans/retirement_review.aspx
We all know we should not put all our eggs in one basket, but have you considered diversifying how things will be taxed? Many experts are predicting higher tax rates due to the large deficit, spending and unfunded liabilities. Join Prism Insurance Agency as we’re joined by the author of The Power of Zero: How to get to the 0% Tax Bracket and Transform Your Retirement.
To learn more go to: https://www.myprisminsurance.com/retirement_plans/retirement_review.aspx
What’s going to happen with interest rates – will they stay low? What about inflation or deflation? What’s going to happen with Obamacare, Medicare and Social Security? Will the national debt keep ballooning? Will the U.S. keep printing money? Join Prism Insurance Agency as we discuss with Senior Market Advisor magazine’s 2010 Advisor of the Year, as he discusses his view and strategies for facing an uncertain future.
What is the biggest problem people face today as they look toward retirement? Join Prism Insurance Agency to find out the answer according to our guest, Joe Jordan, author of the award-winning book Living a Life of Significance. He will share his inside perspective as a behavioral finance expert of the biggest issue we need to prepare for in order to have a happy and fulfilling retirement. https://www.myprisminsurance.com/retirement_plans/retirement_review.aspx
Consumer spending has a significant impact on the state of the economy. With all the controversy and uncertainty of the Affordable Healthcare Act, what will the effect be on the consumer? We are joined by Britt Beemer, chairman and CEO of America’s Research Group, who will fill us in on what American consumers are thinking and the potential impact it can have on the economy in 2014. Learn More by going to: https://admin.insurancewebsitebuilder.com/admin/blog.aspx
The new estate tax law has some people thinking that estate planning isn’t as important anymore. Prism Insurance Agency might change your mind. Our guest estate planning expert, Bruce Udell, explains why taxes aren’t the only thing you need to consider to make sure your assets go to whom you choose. He discusses wills, trusts, powers of attorney, the new estate tax levels, and why having estate plan is still so important. https://www.myprisminsurance.com
Would it be helpful to know some of the most valuable characteristics shared among America’s most competitive professionals? Then join Prism Insurance Agency Inc. and our guest author, who assembled 16 characteristics of greatness from over 2,500 interviews with America’s top sports figures. Listen to what sets these people apart from their peers, and learn how to apply these characteristics to your everyday life. https://www.myprisminsurance.com
When you file your tax returns, do you wonder if you’ve benefited from all the deductions that you’re entitled to? Does the tax code seem too complicated for you to bother with it? Prism Insurance Agency identifies some of the most overlooked tax deductions that are worth your time looking into – some could save you hundreds or even thousands of dollars! Never assume that you’re not eligible for a deduction, as your circumstances may change each year. Listen in to Prism Insurance Agency to find out some of the tax credits and deductions you can take advantage of, especially with professional help.
Want help planning please go to: https://www.myprisminsurance.com/retirement_plans/retirement_review.aspx Today we're going to talk about planning for a surviving spouse.
Short Excerpt of the Interview: I’ve always heard things said from couples where they don’t realize that if they have a house, property taxes don’t get cut in half. The heating oil bill doesn’t get cut in half so one can’t live half as cheap as two. We'll talk about the taxes. There are a lot of different issues facing a widow or widower so what can they do about it? Let’s start with the taxes. What can they do to mitigate that risk?
Learn more about HRA Plans and how the Reimbursement system works within an HRA.
If you'd like to learn more, feel free to call us at 951-243-2800 or email me directly at prab@myprisminsurance.com
www.myprisminsurance.com/ www.youtube.com/user/PrismInsuranceAgency www.linkedin.com/company/prism-insurance-agency www.twitter.com/prismins www.facebook.com/PrismIns/ http://www.myprisminsurance.com/life/
1094 and 1095 Reminder and changes for the 2016 filings. We walk you through the correct way to make sure your fully compliant and offer solutions in the event your not sure.
www.myprisminsurance.com/ www.youtube.com/user/PrismInsuranceAgency www.linkedin.com/company/prism-insurance-agency www.twitter.com/prismins www.facebook.com/PrismIns/ http://www.myprisminsurance.com/life/
Learn about Medicare with our presentation today.
www.myprisminsurance.com/ www.youtube.com/user/PrismInsuranceAgency www.linkedin.com/company/prism-insurance-agency www.twitter.com/prismins www.facebook.com/PrismIns/ http://www.myprisminsurance.com/life/
All of your wealth will eventually go to one or more of these three places: your heirs, charity, or the government. Without proper pre-planning, you could lose control over where the remainder of your estate will go. Join Prism Insurance Agency and our guest expert on estate and charitable giving, to discuss some tools you can use to redirect potential tax dollars to the family and organizations you care about.
www.myprisminsurance.com/ www.youtube.com/user/PrismInsuranceAgency www.linkedin.com/company/prism-insurance-agency www.twitter.com/prismins www.facebook.com/PrismIns/ http://www.myprisminsurance.com/life/
Have you had The Money Talk with your family yet? Doesn’t it make sense that your adult children have the peace of mind of knowing the state of your finances and the details of your estate plan before it becomes a surprise? Then join Prism Insurance Agency as we explore the advantages and the best approach to take when sharing your financial plan. Learn how to navigate that very important subject with your family.
www.myprisminsurance.com/ www.youtube.com/user/PrismInsuranceAgency www.linkedin.com/company/prism-insurance-agency www.twitter.com/prismins www.facebook.com/PrismIns/ http://www.myprisminsurance.com/life/
Are you or your spouse eligible for a pension or Social Security benefits? What happens to your income or other benefits if your spouse dies? Join Prism Insurance Agency as we discuss important considerations for survivorship benefits, and how different options will affect you and your spouse if one of you should pass away. Make sure you don’t make a mistake when choosing these typically irrevocable benefits.
www.myprisminsurance.com/ www.youtube.com/user/PrismInsuranceAgency www.linkedin.com/company/prism-insurance-agency www.twitter.com/prismins www.facebook.com/PrismIns/ http://www.myprisminsurance.com/life/
Obtaining a business loan can be more complex in today’s environment than ever before. You need to understand how to present the best picture to a prospective lender. Join Prism Insurance Agency and our credit specialist guest, where he’ll share the 5 C’s of Credit, and what they mean to a business loan.
www.myprisminsurance.com/ www.youtube.com/user/PrismInsuranceAgency www.linkedin.com/company/prism-insurance-agency www.twitter.com/prismins www.facebook.com/PrismIns/ http://www.myprisminsurance.com/life/
Times have certainly changed in the lending world today from just a few years ago. The first step in obtaining a loan should start with knowing your credit score and understanding what your credit report says. Join Prism Insurance Agency, and our credit specialist guest, to discuss credit scores, why credit matters, and the credit restoration process.
www.myprisminsurance.com/ www.youtube.com/user/PrismInsuranceAgency www.linkedin.com/company/prism-insurance-agency www.twitter.com/prismins www.facebook.com/PrismIns/ http://www.myprisminsurance.com/life/
November is nationally recognized as Long Term Care Insurance Awareness Month. Almost everyone has been impacted by a friend or family member who has needed Long Term Care – it’s typically regarded as the greatest risk we face that could jeopardize our retirement security. Join Prism Insurance Agency with our guest, the executive director of the American Association for Long Term Care Insurance, to learn what’s taking place in the industry and misconceptions of who will pay for your care.
www.myprisminsurance.com/ www.youtube.com/user/PrismInsuranceAgency www.linkedin.com/company/prism-insurance-agency www.twitter.com/prismins www.facebook.com/PrismIns/ http://www.myprisminsurance.com/life/
According to this week’s guest, Roger Michaud, student loan debt is closing in on $1 trillion. But according to the College Savings Foundation‘s annual survey, parents and student are starting to save more and borrow less. Join Prism Insurance Agency to find out what other parents and grandparents are doing to financially prepare the students in their own families for college.
www.myprisminsurance.com/ www.youtube.com/user/PrismInsuranceAgency www.linkedin.com/company/prism-insurance-agency www.twitter.com/prismins www.facebook.com/PrismIns/ http://www.myprisminsurance.com/life/
90 million Americans are uninsured! You may think we’re talking about health insurance, but we’re actually talking about life insurance. According to a recent LIMRA survey, many millions more have inadequate protection. Join Prism Insurance Agency as we share realLifestories provided to us by the nonprofit Life and Health Insurance Foundation for Education. Listen to true stories that illustrates why it’s so important for you to include life insurance in your financial plans.Your family’s financial future is too important to leave to chance.
www.myprisminsurance.com/ www.youtube.com/user/PrismInsuranceAgency www.linkedin.com/company/prism-insurance-agency www.twitter.com/prismins www.facebook.com/PrismIns/ http://www.myprisminsurance.com/life/
When is the last time you had a financial wellness checkup? All too often, we react to crisis, versus pre-planning and being prepared financially. Join Prism Insurance Agency and our guest to discuss financial wellness. Learn how you can make your income last your lifetime, maintain independence, and preserve your desired standard of living during retirement.
www.myprisminsurance.com/ www.youtube.com/user/PrismInsuranceAgency www.linkedin.com/company/prism-insurance-agency www.twitter.com/prismins www.facebook.com/PrismIns/ http://www.myprisminsurance.com/life/
Are we being overwhelmed and overrun by taxes? Between the new top tax bracket, the Affordable Care Act "ObamaCare" tax plan, state income taxes, and taxes for the sale of a fully depreciated asset; such as farm machinery, your taxes could exceed 50%? Join Prism Insurance Agency as we discuss a way to reduce or even avoid these taxes with a planning technique that’s been in the tax code since 1973.
www.myprisminsurance.com/ www.youtube.com/user/PrismInsuranceAgency www.linkedin.com/company/prism-insurance-agency www.twitter.com/prismins www.facebook.com/PrismIns/ http://www.myprisminsurance.com/life/
Many families haven’t taken the step of basic estate planning, let alone those families that have a special needs child or family member. October is recognized as National Down Syndrome Awareness Month and Prism Insurance Agency has asked Attorney John A. Stocking to join the program. Mr. Stocking is a forty-seven year veteran of special needs estate planning and he joins us to explain how one in ten families need to protect a disabled loved one, and how to accomplish that.
www.myprisminsurance.com/ www.youtube.com/user/PrismInsuranceAgency www.linkedin.com/company/prism-insurance-agency www.twitter.com/prismins www.facebook.com/PrismIns/ http://www.myprisminsurance.com/life/
Does your Homeowner’s policy protect you from identity theft or an earthquake? If you are running a business out of your home are you covered under your Homeowner’s insurance or do you need another policy? Join Prism Insurance Agency as we talk about insurance coverages that most people aren’t aware of with 20+ year insurance veteran. Learn how these coverages can protect you, your family and your most valued assets.
www.myprisminsurance.com/ www.youtube.com/user/PrismInsuranceAgency www.linkedin.com/company/prism-insurance-agency www.twitter.com/prismins www.facebook.com/PrismIns/ http://www.myprisminsurance.com/life/
Is it possible to not only start a new business in today’s tough economy but to also succeed? Learn from someone who grew his start-up practice from $30,000 of billing in his first month to $1.1 million by the end of his first year. Join Prism Insurance Agency with our guest, business owner and “Marketer of the Year”, to see how he achieved extraordinary financial success.
www.myprisminsurance.com/ www.youtube.com/user/PrismInsuranceAgency www.linkedin.com/company/prism-insurance-agency www.twitter.com/prismins www.facebook.com/PrismIns/ http://www.myprisminsurance.com/life/
Have you thought about Estate Planning to protect your family? What about for someone with special needs, or the possibility that a family member may have special needs in the future? Join Prism Insurance Agency and our guest advisor, who is a parent of a special needs child, to learn about the essential planning steps that you need to know.
www.myprisminsurance.com/ www.youtube.com/user/PrismInsuranceAgency www.linkedin.com/company/prism-insurance-agency www.twitter.com/prismins www.facebook.com/PrismIns/ http://www.myprisminsurance.com/life/
There’s a difference between giving to charity and being philanthropic. It’s not just about how much you give, but simply the passion that drives you to help others. Join Prism Insurance Agency, and our special guest, ABC News political commentator Cokie Roberts, to hear her story of the passion that drives her and many others to give their time, treasure and talent.
www.myprisminsurance.com/ www.youtube.com/user/PrismInsuranceAgency www.linkedin.com/company/prism-insurance-agency www.twitter.com/prismins www.facebook.com/PrismIns/ http://www.myprisminsurance.com/life/
Does the negative news that sometimes seems to surround us get you down? Are you living your life to the fullest and enjoying each day as it comes? If not, and you are interested in making a change, join us at Prism Insurance Agency. Our guest is the author of the book Extreme Thought Makeover… 37 Days to Maximum Life! Learn the steps that you can take toward a happier and more fulfilling life.
www.myprisminsurance.com/ www.youtube.com/user/PrismInsuranceAgency www.linkedin.com/company/prism-insurance-agency www.twitter.com/prismins www.facebook.com/PrismIns/ http://www.myprisminsurance.com/life/
Most of us have been raised to believe that having debt is a bad thing. Many financial experts say the only good debt is no debt. However, to some, it seems nearly impossible to live debt-free. Join Prism Insurance Agency to hear our guest’s perspective on good debt vs. bad debt. Learn effective debt strategies from a successful multi-millionaire who started with nothing.
www.myprisminsurance.com/ www.youtube.com/user/PrismInsuranceAgency www.linkedin.com/company/prism-insurance-agency www.twitter.com/prismins www.facebook.com/PrismIns/ http://www.myprisminsurance.com/life/
Are you on the path of achieving financial freedom? With the recently-passed Taxpayer Relief Act, now more than ever, you need to know ways to lower your taxes. Join Prism Insurance Agency with our guest, tax attorney Sandy Botkin, CEO of the Tax Reduction Institute. He’s released two new books with hundreds of tips to help you achieve financial freedom and lower your taxes.
www.myprisminsurance.com/ www.youtube.com/user/PrismInsuranceAgency www.linkedin.com/company/prism-insurance-agency www.twitter.com/prismins www.facebook.com/PrismIns/ http://www.myprisminsurance.com/life/
If you owned a goose that laid golden eggs, which would you insure- the goose or the golden eggs? Join Prism Insurance Agency this week to hear an expert’s analysis on the importance of disability insurance protection. Discover the shortcomings of employer-provided disability insurance, innovative riders, and options available. Learn about the importance of honesty and accuracy during the application process.
www.myprisminsurance.com/ www.youtube.com/user/PrismInsuranceAgency www.linkedin.com/company/prism-insurance-agency www.twitter.com/prismins www.facebook.com/PrismIns/ http://www.myprisminsurance.com/life/
The unemployment numbers continue to be high and many people are losing their jobs through downsizing and layoffs. A job loss of any kind can be extremely stressful. Unfortunately, in the current economy it is a reality all too often. Join Prism Insurance Agency for our special report on 15 steps you can take to survive a job loss. Change can be for the better, but it certainly depends on how you approach it.
www.myprisminsurance.com/ www.youtube.com/user/PrismInsuranceAgency www.linkedin.com/company/prism-insurance-agency www.twitter.com/prismins www.facebook.com/PrismIns/ http://www.myprisminsurance.com/life/
There is a difference between just giving to charity and being philanthropic. It’s not about how much you give, but simply about the passion that drives you to help others and make a difference in the world. Join Prism Insurance Agency to learn more about Main Street Philanthropy: a program designed to inspire future generations to become passionate philanthropists.
www.myprisminsurance.com/ www.youtube.com/user/PrismInsuranceAgency www.linkedin.com/company/prism-insurance-agency www.twitter.com/prismins www.facebook.com/PrismIns/ http://www.myprisminsurance.com/life/
Do you have a gap in your insurance protection portfolio? Could that gap be filled by an innovative new type of insurance available now in the United States? Join Prism Insurance Agency to learn about Critical Illness Insurance and how it pays a lump sum benefit on the diagnosis of a number of different conditions or illnesses. Could this be the perfect complement to your current insurance needs or may it fall short?
www.myprisminsurance.com/ www.youtube.com/user/PrismInsuranceAgency www.linkedin.com/company/prism-insurance-agency www.twitter.com/prismins www.facebook.com/PrismIns/ http://www.myprisminsurance.com/life/
Do you want to know the secret to the million dollar equation? What can you learn from someone who has made millions, lost millions and then made millions again? Join Prism Insurance Agency with our guest, Richelle Shaw, speaker, entrepreneur, and author of the book The Million Dollar Equation: How to Build A Million Dollar Business in 3 Years or Less. Learn the secret equation to building your own million dollar business.
www.myprisminsurance.com/ www.youtube.com/user/PrismInsuranceAgency www.linkedin.com/company/prism-insurance-agency www.twitter.com/prismins www.facebook.com/PrismIns/ http://www.myprisminsurance.com/life/
Do you think schools are teaching the proper financial principles to our kids today? Would your kids or grandkids listen to the perspective of one of their peers who just wrote a book on finances; while still a junior in college? Join Prism Insurance Agency with our guest, a young author, to get a better understanding of how young people should handle debt, credit cards, saving for retirement and choosing the right college from a young adult’s perspective.
www.myprisminsurance.com/ www.youtube.com/user/PrismInsuranceAgency www.linkedin.com/company/prism-insurance-agency www.twitter.com/prismins www.facebook.com/PrismIns/ http://www.myprisminsurance.com/life/
Do you feel that inspiring and educating the youth of America can impact the direction of our country? Then join Prism Insurance Agency to hear the story of a successful business owner and business coach whose mission it is to bring back the Soul of America. He feels that one way to do this is by working with our youth to develop their business skills, encourage their entrepreneurial spirit, and motivate them to be good stewards of their finances.
www.myprisminsurance.com/ www.youtube.com/user/PrismInsuranceAgency www.linkedin.com/company/prism-insurance-agency www.twitter.com/prismins www.facebook.com/PrismIns/ http://www.myprisminsurance.com/life/
Have you ever stopped to consider who sets the rates at insurance companies, or how they predict the likelihood of a claim or loss? What are the factors that go into the cost of insurance? Join Prism Insurance Agency with our guest Kim Lankford, editor for Kiplinger’s Personal Finance Magazine and columnist for Kiplinger.com to discuss some of the surprising factors that can raise your insurance premiums. Don’t get hit by these unexpected rate boosters!
www.myprisminsurance.com/ www.youtube.com/user/PrismInsuranceAgency www.linkedin.com/company/prism-insurance-agency www.twitter.com/prismins www.facebook.com/PrismIns/ http://www.myprisminsurance.com/life/
Doesn’t it make sense to invest your money the same way that the most successful investors, with decades of proven track records have invested? Join Prism Insurance Agency with the author of The Templeton Touch, as he discusses investing the “Templeton Way”, explores giving vs. Wall Street greed, shares noble purpose with money and value investing. These are all insights from one of the world’s most successful investors, the late Sir John Templeton.
www.myprisminsurance.com/ www.youtube.com/user/PrismInsuranceAgency www.linkedin.com/company/prism-insurance-agency www.twitter.com/prismins www.facebook.com/PrismIns/ http://www.myprisminsurance.com/life/
Family finances are stretched thin these days due to rising taxes, increased gas and food costs, healthcare expenses and the overall higher cost of living. All of these extra expenses are reducing the family’s ability to save for retirement. Join Prism Insurance Agency with the author of Save Wise, Spend Happily, a guide compiled by financial experts from across the country to tell you the truth about your money-how to make it, how to keep it, and how to have it work for you.
www.myprisminsurance.com/ www.youtube.com/user/PrismInsuranceAgency www.linkedin.com/company/prism-insurance-agency www.twitter.com/prismins www.facebook.com/PrismIns/ http://www.myprisminsurance.com/life/
Child identity theft is a fast-growing crime with the number of under-age victims estimated to be as high as 500,000 a year, far exceeding adult identity theft. Criminals target children because kids have a clean credit record and the theft can go undetected for years. Join Prism Insurance Agency to learn preventive measures that you can take now to prevent your child or grandchild’s identity from being stolen.
www.myprisminsurance.com/ www.youtube.com/user/PrismInsuranceAgency www.linkedin.com/company/prism-insurance-agency www.twitter.com/prismins www.facebook.com/PrismIns/ http://www.myprisminsurance.com/life/
According to the Brookline Institute findings, only 3% of family wealth survives the 3rd generation. Estate planning doesn’t just mean transferring things in life, but it’s also the ability to create enduring legacies that flourish generation after generation. Join Prism Insurance Agency with Lee Brower, author of the new book Empowered Wealth. Listen as an accomplished teacher, mentor and coach discusses his breakthrough concepts on preserving wealth for future generations.
www.myprisminsurance.com/ www.youtube.com/user/PrismInsuranceAgency www.linkedin.com/company/prism-insurance-agency www.twitter.com/prismins www.facebook.com/PrismIns/ http://www.myprisminsurance.com/life/
Have you ever had the opportunity to speak to someone that has suffered a life-changing disability? Only they can truly understand why having disability protection is so important. Join Prism Insurance Agency with our guest, John F. Nichols to hear his personal story of how he suffered a near death water skiing accident that left him totally paralyzed. This life changing experience left an everlasting mark on the true value and importance of protecting your paycheck.
www.myprisminsurance.com/ www.youtube.com/user/PrismInsuranceAgency www.linkedin.com/company/prism-insurance-agency www.twitter.com/prismins www.facebook.com/PrismIns/ http://www.myprisminsurance.com/life/
Does the thought of planning for your retirement make you feel like you are on an emotional rollercoaster? Can it be as simple as math and science to make sure your money lasts as long as you do? Join Prism Insurance Agency with our guest Moshe A. Milevsky, Ph.D. Moshe is a tenured professor in the Department of Finance and a member of the graduate faculty of Mathematics at York University to discuss “The 7 Most Important Equations for Your Retirement.”
www.myprisminsurance.com/ www.youtube.com/user/PrismInsuranceAgency www.linkedin.com/company/prism-insurance-agency www.twitter.com/prismins www.facebook.com/PrismIns/ http://www.myprisminsurance.com/life/
According to a recent survey by LIMRA, 49% of Americans said they weren’t contributing to any retirement plan on a systematic basis. Join Prism Insurance Agency with the president and CEO of LIMRA, to hear their staggering research statistics on how unprepared Americans are for retirement. If you are one of those people, listen to this discussion and learn how you can get back on track to planning for a secure retirement.
www.myprisminsurance.com/ www.youtube.com/user/PrismInsuranceAgency www.linkedin.com/company/prism-insurance-agency www.twitter.com/prismins www.facebook.com/PrismIns/ http://www.myprisminsurance.com/life/
Federal income tax, state income tax, sales tax, FICA, gas tax, property tax-the list goes on! Can anything be done to eliminate any of these taxes? Join Prism Insurance Agency as we visit with Grant Cardone, founder and CEO of three multi-million dollar companies to find out how he legally eliminated paying one of these taxes and saved significantly.
www.myprisminsurance.com/ www.youtube.com/user/PrismInsuranceAgency www.linkedin.com/company/prism-insurance-agency www.twitter.com/prismins www.facebook.com/PrismIns/ http://www.myprisminsurance.com/life/
Do you allow your emotions to drive your financial decisions? If you’re like many other investors, this might be why many people rarely enjoy the published returns of their investments today. They allow their emotions to influence their decisions and often make mistakes like buying too high and selling too low. Join Prism Insurance Agency as the co-founder of Think2Perform gives investment and behavior advice. He is legendary for helping people to be smart with their money and not make avoidable mistakes.
www.myprisminsurance.com/ www.youtube.com/user/PrismInsuranceAgency www.linkedin.com/company/prism-insurance-agency www.twitter.com/prismins www.facebook.com/PrismIns/ http://www.myprisminsurance.com/life/
Are you like most families who find it difficult to discuss tough topics like money and values? Some families do handle inheritance the right way and manage to retain their assets and keep their family relationships strong. Successful families focus on the values, lessons, wisdom and leadership that are integral parts of a family’s foundation. Join Prism Insurance Agency with our guest; a consultant, speaker, therapist and author to discuss a variety of ways for a family to define their legacy.
www.myprisminsurance.com/ www.youtube.com/user/PrismInsuranceAgency www.linkedin.com/company/prism-insurance-agency www.twitter.com/prismins www.facebook.com/PrismIns/ http://www.myprisminsurance.com/life/
The rising cost of higher education is now out-pacing inflation for both public and private universities. Understanding the federal loan program can be challenging for both students and parents. Join Prism Insurance Agency with the chairman of the College Savings Foundation to discuss the rising cost of college, the dynamics of student loans and solutions for both parents and grandparents to save for college using tools such as the 529 Plans.
www.myprisminsurance.com/ www.youtube.com/user/PrismInsuranceAgency www.linkedin.com/company/prism-insurance-agency www.twitter.com/prismins www.facebook.com/PrismIns/ http://www.myprisminsurance.com/life/
Most people think the purpose for having life insurance for a family or business owner is to replace lost income. That is true, but life insurance can also play a critical role in estate planning as well; especially for older Americans. Join Prism Insurance Agency to learn how life insurance can preserve and protect your estate.
www.myprisminsurance.com/ www.youtube.com/user/PrismInsuranceAgency www.linkedin.com/company/prism-insurance-agency www.twitter.com/prismins www.facebook.com/PrismIns/ http://www.myprisminsurance.com/life/
The statistics are staggering… a woman is beaten every nine seconds, 1 in 4 women will be a victim of domestic abuse in their lifetime. Do you know what resources are available or how to find help when faced with violence or abuse? What are the steps to take or how can you help someone in an abusive relationship? Join Prism Insurance Agency with Jim B. Pulley, author of Love, Loneliness, Abuse and Murder. This book was written in memory of Jim’s mother to offer hope and encourage others facing abuse to reach out for help before it is too late.
www.myprisminsurance.com/ www.youtube.com/user/PrismInsuranceAgency www.linkedin.com/company/prism-insurance-agency www.twitter.com/prismins www.facebook.com/PrismIns/ http://www.myprisminsurance.com/life/
Today the U.S. debt is sitting at 16.0 trillion dollars and the interest expense is close to 450 billion dollars per year. Neither the government nor its citizens benefit from this expense. Join Prism Insurance Agency with our guest, Murray Holland, author of The Debt Trap: What Are Our Options for Getting Out of Debt? We will discuss the history of the U.S. debt, why it has increased so drastically and learn what we can do about it.
www.myprisminsurance.com/ www.youtube.com/user/PrismInsuranceAgency www.linkedin.com/company/prism-insurance-agency www.twitter.com/prismins www.facebook.com/PrismIns/ http://www.myprisminsurance.com/life/
Have you witnessed or experienced family conflict or a business disagreement and the first thought that comes to mind is using the legal system to resolve it? Maybe you should consider a more successful and private approach called mediation. Join Prism Insurance Agency with our guest, Amy Lieberman, attorney, author and mediation specialist to discover how mediation can be a better alternative than arbitration or litigation.
www.myprisminsurance.com/ www.youtube.com/user/PrismInsuranceAgency www.linkedin.com/company/prism-insurance-agency www.twitter.com/prismins www.facebook.com/PrismIns/ http://www.myprisminsurance.com/life/
When was the last time you reviewed your auto, homeowners, or business insurance? Are you sure that your coverage is up to date and that you are not missing any important benefits like identity theft, loan/lease gap coverage or back-up of sewer & drain? Join Prism Insurance Agency to hear ten of the most overlooked insurance coverages and learn how you can make sure that you have the proper insurance coverage in place.
www.myprisminsurance.com/ www.youtube.com/user/PrismInsuranceAgency www.linkedin.com/company/prism-insurance-agency www.twitter.com/prismins www.facebook.com/PrismIns/ http://www.myprisminsurance.com/life/
February is known for celebrating Valentine’s Day. The Life and Health Insurance Foundation for Education (LIFE) recognizes February as the month to kick off their Insure Your Love campaign. Join Prism Insurance Agency with the CEO of the LIFE Foundation to talk about who needs life insurance and the types to consider. With all of the many options available, it’s easy to customize the right protection for your needs.
www.myprisminsurance.com/ www.youtube.com/user/PrismInsuranceAgency www.linkedin.com/company/prism-insurance-agency www.twitter.com/prismins www.facebook.com/PrismIns/ http://www.myprisminsurance.com/life/
It’s a pretty scary time to think about retirement with interest rates persistently staying near record low levels, all of the volatility in the markets and the uncertainty of tax rates. It doesn’t have to be so scary if you have a well-designed retirement strategy in place. Join Prism Insurance Agency to find out the 10 biggest mistakes people make and how to avoid them. Take some of the stress out of planning for your retirement.
www.myprisminsurance.com/ www.youtube.com/user/PrismInsuranceAgency www.linkedin.com/company/prism-insurance-agency www.twitter.com/prismins www.facebook.com/PrismIns/ http://www.myprisminsurance.com/life/
The Veterans Administration’s Basic Pension with Aid and Attendance benefit often goes unclaimed because so many veterans and their families are unaware of its existence. Join Prism Insurance Agency as we are joined by Patty Servaes, founder of Elder Resource Benefits Consulting and a nationally recognized speaker on the subject elder benefits. Find out how this tax free VA benefit can significantly increase the monthly income for a qualifying veteran and their spouse.
www.myprisminsurance.com/ www.youtube.com/user/PrismInsuranceAgency www.linkedin.com/company/prism-insurance-agency www.twitter.com/prismins www.facebook.com/PrismIns/ http://www.myprisminsurance.com/life/
Do you have a friend or family member that may have reached a stage in their life where they are not making the best financial decisions? Are you worried that they could become a victim of elder fraud or abuse? Then join Prism Insurance Agency for a discussion of how family and friends can identify the warning signs of financial abuse and scams and learn what steps to take to help an elder adult in need.
www.myprisminsurance.com/ www.youtube.com/user/PrismInsuranceAgency www.linkedin.com/company/prism-insurance-agency www.twitter.com/prismins www.facebook.com/PrismIns/ http://www.myprisminsurance.com/life/
November is Long Term Care Awareness Month. Have you created a long term care plan, or are you like most Americans and have been putting off this critically important planning discussion? Join Prism Insurance Agency with Dr. Marion Somers, Elder Care Expert, National Spokesperson and author of the book “Elder Care Made Easier”. She helps us to understand why we keep procrastinating and teaches us what steps we can take now to plan for long term care before it is too late.
www.myprisminsurance.com/ www.youtube.com/user/PrismInsuranceAgency www.linkedin.com/company/prism-insurance-agency www.twitter.com/prismins www.facebook.com/PrismIns/ http://www.myprisminsurance.com/life/
The nonprofit College Savings Foundation just released the results of their 6th Annual State of College Savings Survey. The survey revealed that even in an environment where parents are caught with the rising costs associated with college and the prospect of their own financial debt, this year more parents are saving for college education. Parents are finding that using vehicles such as the 529 college savings plans and automatic savings plans can help to insure future success.
www.myprisminsurance.com/ www.youtube.com/user/PrismInsuranceAgency www.linkedin.com/company/prism-insurance-agency www.twitter.com/prismins www.facebook.com/PrismIns/ http://www.myprisminsurance.com/life/
The best time to plan for business succession is at the start of a business. Few business owners start their business with the end in mind and that can be a big mistake. Join Prism Insurance Agency for our discussion with a business succession planning expert to learn what mistakes to avoid and discover a seven step process that you can follow for best results.
www.myprisminsurance.com/ www.youtube.com/user/PrismInsuranceAgency www.linkedin.com/company/prism-insurance-agency www.twitter.com/prismins www.facebook.com/PrismIns/ http://www.myprisminsurance.com/life/
According to the LIFE Foundation’s annual insurance barometer study, nearly one-third of consumers believe they need more life insurance and eighty-three percent cite the reason for not obtaining more is that it is too expensive. This is truly a misconception. Join Prism Insurance Agency to hear from the CEO of the non-profit LIFE Foundation to discuss some of the myths and realities regarding life insurance today.
www.myprisminsurance.com/ www.youtube.com/user/PrismInsuranceAgency www.linkedin.com/company/prism-insurance-agency www.twitter.com/prismins www.facebook.com/PrismIns/ http://www.myprisminsurance.com/life/
They said it couldn’t be done…build a 2300 sq. ft. house in less than three hours. With the right team and proper planning the impossible became IS possible. Join Prism Insurance Agency with Jose Feliciano, inspirational speaker and author of the book the 2 Hour House and his newest book Passion for Possibility – Moving beyond believing… INTO KNOWING. Discover how you can learn to envision your life and goals from “finish to start”.
www.myprisminsurance.com/ www.youtube.com/user/PrismInsuranceAgency www.linkedin.com/company/prism-insurance-agency www.twitter.com/prismins www.facebook.com/PrismIns/ http://www.myprisminsurance.com/life/
Now more than ever, women are taking on greater financial challenges. Prudential recently released its 2012-2013 Research Study, “Financial Experience & Behaviors Among Women”, revealing that women are facing significant challenges with financial decision making. Join Prism Insurance Agency as we discuss research from the study on bridging the female investor confidence gap.
www.myprisminsurance.com/ www.youtube.com/user/PrismInsuranceAgency www.linkedin.com/company/prism-insurance-agency www.twitter.com/prismins www.facebook.com/PrismIns/ http://www.myprisminsurance.com/life/
The August 2012 survey conducted by the Investors Protection Trust (IPT), a non-profit organization, revealed that 78 percent of older Americans are “very vulnerable” to investment fraud or financial exploitation. Do you know someone that has fallen victim to a scam? Join Prism Insurance Agency and the CEO of this non-profit organization to find out some of the red flags of financial scams and what you can do to prevent yourself or someone else from becoming a victim.
www.myprisminsurance.com/ www.youtube.com/user/PrismInsuranceAgency www.linkedin.com/company/prism-insurance-agency www.twitter.com/prismins www.facebook.com/PrismIns/ http://www.myprisminsurance.com/life/
According to the Legg Mason Intergenerational Survey on College Finances, parents with the resources to fund college still lack long-term plans. College expenses are still largely funded with current income or savings and investment accounts. Join Prism Insurance Agency as we discuss these survey results and explore valuable ideas and strategies that you can use now to save for college.
www.myprisminsurance.com/ www.youtube.com/user/PrismInsuranceAgency www.linkedin.com/company/prism-insurance-agency www.twitter.com/prismins www.facebook.com/PrismIns/ http://www.myprisminsurance.com/life/
America needs to wake up and plan ahead for long-term health care. According to the 3in4 Need More Association, more than 70% of Americans 65+ will need long-term care but don’t know the costs associated with this disease. Join Prism Insurance Agency with our guest, Dr. Marion Somers PhD, who has over 40 years of experience working with seniors and their caregivers. She has helped millions of Americans by providing education and awareness about long-term care planning.
www.myprisminsurance.com/ www.youtube.com/user/PrismInsuranceAgency www.linkedin.com/company/prism-insurance-agency www.twitter.com/prismins www.facebook.com/PrismIns/ http://www.myprisminsurance.com/life/
Generational views on family responsibilities and finances have changed due to the impact of the recent recession. From Millennial’s to Gen X’er’s to Baby Boomers and beyond, each generation has been impacted in a different way. Join Prism Insurance Agency for updated research on how each generation’s views have changed during these tough economic times.
www.myprisminsurance.com/ www.youtube.com/user/PrismInsuranceAgency www.linkedin.com/company/prism-insurance-agency www.twitter.com/prismins www.facebook.com/PrismIns/ http://www.myprisminsurance.com/life/
If you are buying a home do you know how much house you can afford? What about financing options with today’s record low interest rates? Join Prism Insurance Agency for a mortgage and real estate expert’s perspective on how to avoid the top mistakes people make when pricing a home and how to evaluate your options when financing your mortgage.
www.myprisminsurance.com/ www.youtube.com/user/PrismInsuranceAgency www.linkedin.com/company/prism-insurance-agency www.twitter.com/prismins www.facebook.com/PrismIns/ http://www.myprisminsurance.com/life/
If you are a public employee eligible for retirement pension and healthcare benefits you may be concerned about the impact that the financial crisis may have on these benefits. Join Prism Insurance Agency to discuss the latest data available from all fifty states on pension, healthcare and other benefits promised to current and future employees.
www.myprisminsurance.com/ www.youtube.com/user/PrismInsuranceAgency www.linkedin.com/company/prism-insurance-agency www.twitter.com/prismins www.facebook.com/PrismIns/ http://www.myprisminsurance.com/life/
Good relationships require open and honest communication between partners about money matters. It is important to discuss finances openly before and during a relationship. Join Prism Insurance Agency as we explore ten money questions for your mate. We all have different attitudes, experiences and expectations concerning money, and discussing this topic in a calm and realistic manner is essential for establishing a financial plan together.
www.myprisminsurance.com/ www.youtube.com/user/PrismInsuranceAgency www.linkedin.com/company/prism-insurance-agency www.twitter.com/prismins www.facebook.com/PrismIns/ http://www.myprisminsurance.com/life/
According to the National Institute on Aging, nearly 5 million people in the USA today have a form of Alzheimer’s and the numbers are expected to triple by 2050 as Baby Boomers age. Properly preparing your finances is a priority for everyone, but even more important for those with this devastating disease. Join Prism Insurance Agency for Part 2 of our discussion on Alzheimer’s. Learn how this disease can impact your family’s financial future and what planning tips you may want to consider.
www.myprisminsurance.com/ www.youtube.com/user/PrismInsuranceAgency www.linkedin.com/company/prism-insurance-agency www.twitter.com/prismins www.facebook.com/PrismIns/ http://www.myprisminsurance.com/life/
Alzheimer’s disease is emerging as one of the most costly medical and social problems in the United States. Do you know the ten warning signs to watch for to detect the early signs of this disease? Join Prism Insurance Agency to discuss the reality of Alzheimer’s in America today. Discover future trends, diagnosis and treatment available and the impact this disease can have on family finance.
www.myprisminsurance.com/ www.youtube.com/user/PrismInsuranceAgency www.linkedin.com/company/prism-insurance-agency www.twitter.com/prismins www.facebook.com/PrismIns/ http://www.myprisminsurance.com/life/
When you hear the term wealth do you only think about money and things? What is the meaning of wealth to you? Join Prism Insurance Agency with our guest Dr. Charles Richards, author of “The Psychology of Wealth: Understand Your Relationship with Money and Achieve Prosperity”. He will discuss and define the psychology of wealth as a sense of comfort and control in your relationship with money.
www.myprisminsurance.com/ www.youtube.com/user/PrismInsuranceAgency www.linkedin.com/company/prism-insurance-agency www.twitter.com/prismins www.facebook.com/PrismIns/ http://www.myprisminsurance.com/life/
Do you know how the increasing farmland values impact you, both as a consumer and an investor? Join Prism Insurance Agency with the author of the annual Iowa State University Farmland Survey to discuss farmland in America. Learn what impact it may have on commodity prices, the import and export of crops and farmland as an investment opportunity.
www.myprisminsurance.com/ www.youtube.com/user/PrismInsuranceAgency www.linkedin.com/company/prism-insurance-agency www.twitter.com/prismins www.facebook.com/PrismIns/ http://www.myprisminsurance.com/life/
Retirement challenges facing Americans today have never been more complex and frightening. The current economy has created a perfect storm of doubt and fear for those already in or now approaching retirement. Join Prism Insurance Agency for our in depth discussion on retirement income planning. Learn the necessary steps that you can take to become prepared as you transition from accumulation to distribution.
www.myprisminsurance.com/ www.youtube.com/user/PrismInsuranceAgency www.linkedin.com/company/prism-insurance-agency www.twitter.com/prismins www.facebook.com/PrismIns/ http://www.myprisminsurance.com/life/
What would happen if you were suddenly unable to work due to an illness or injury? Without a paycheck, how long would you be able to make your mortgage payment, buy groceries or pay your credit card bills? Join Prism Insurance Agency as we recognize Disability Insurance Awareness Month and explore this often forgotten insurance coverage. We’ll share Real Life Stories about real people with real experiences and the challenges that they faced. In each case, smart insurance planning ensured that emotional struggles were not compounded by the financial hardships that a disability can bring.
www.myprisminsurance.com/ www.youtube.com/user/PrismInsuranceAgency www.linkedin.com/company/prism-insurance-agency www.twitter.com/prismins www.facebook.com/PrismIns/ http://www.myprisminsurance.com/life/
Many taxpayers fear an IRS audit. Have you ever experienced an audit or wondered how the process works? Join Prism Insurance Agency with our special guest, a retired IRS criminal investigator. After 22 years of service with the IRS, he is now in private practice educating taxpayers and providing tips on how to avoid an IRS audit in the first place.
www.myprisminsurance.com/ www.youtube.com/user/PrismInsuranceAgency www.linkedin.com/company/prism-insurance-agency www.twitter.com/prismins www.facebook.com/PrismIns/ http://www.myprisminsurance.com/life/
Young adults transitioning to real life face many challenges; from establishing credit to minimizing their risk of identity theft, and protecting their privacy when it comes to using social media. Join Prism Insurance Agency with guest Mitch Weiss, an economics adjunct professor at the University of Hartford where he teaches a class based on his book, “LIFE HAPPENS: A Practical Guide to Personal Finance from College to Career”.
www.myprisminsurance.com/ www.youtube.com/user/PrismInsuranceAgency www.linkedin.com/company/prism-insurance-agency www.twitter.com/prismins www.facebook.com/PrismIns/ http://www.myprisminsurance.com/life/
Does the thought of pre-planning your funeral service give you an uncomfortable feeling, even though you know it is a common sense, practical part of planning? Join Prism Insurance Agency with our guest, a member of the National Funeral Directors Association (NFDA) to discuss funeral planning. Learn the importance of, and the options available when pre-planning and pre-funding your final arrangements.
www.myprisminsurance.com/ www.youtube.com/user/PrismInsuranceAgency www.linkedin.com/company/prism-insurance-agency www.twitter.com/prismins www.facebook.com/PrismIns/ http://www.myprisminsurance.com/life/
The current employment environment has certainly added more stress in the workplace. Showing gratitude seems fairly low on the priority list. Join Prism Insurance Agency to explore how to tap into the power of thanks and learn six effective and affordable ways to improve morale, motivation and the bottom line in the workplace.
www.myprisminsurance.com/ www.youtube.com/user/PrismInsuranceAgency www.linkedin.com/company/prism-insurance-agency www.twitter.com/prismins www.facebook.com/PrismIns/ http://www.myprisminsurance.com/life/
We all have heard plenty about the mortgage housing crisis but is there another debt crisis looming in America? Student loan debt topped the trillion dollar amount in 2011 according to the New York Times. As more and more people become interested in pursuing higher education, more people are taking out student loans to help pay for college. Join Prism Insurance Agency as we share ten reasons why a 529 College Savings Plan may be the right solution for you and your family. Learn about how 529 Plans can prevent you from becoming part of the student loan crisis.
www.myprisminsurance.com/ www.youtube.com/user/PrismInsuranceAgency www.linkedin.com/company/prism-insurance-agency www.twitter.com/prismins www.facebook.com/PrismIns/ http://www.myprisminsurance.com/life/
This episode Vicky Oliver, Career Development Expert, Consumer Advocate and Author joins Prism Insurance Agency to discuss spending less, living better and saving money in the long run. Oliver shares tips from her most recent book, “The Millionaires Handbook” that takes a look at how all of us can make financial changes for the better.
www.myprisminsurance.com/ www.youtube.com/user/PrismInsuranceAgency www.linkedin.com/company/prism-insurance-agency www.twitter.com/prismins www.facebook.com/PrismIns/ http://www.myprisminsurance.com/life/
Most people saving for retirement fail to understand how much their savings appreciate over time. A new study by the University of California-San Diego found that nearly half of those polled didn’t understand the concept of compound interest. Join Prism Insurance Agency to better understand the importance of starting to save sooner rather than later, and the impact of inflation.
www.myprisminsurance.com/ www.youtube.com/user/PrismInsuranceAgency www.linkedin.com/company/prism-insurance-agency www.twitter.com/prismins www.facebook.com/PrismIns/ http://www.myprisminsurance.com/life/
Everyone should have a plan and that includes a plan for your finances as well. Join Prism Insurance Agency as we explore the benefits of understanding your budget, setting financial and personal goals and the importance of working with a financial advisor to help you stay on task. Dr. Rob Weagley, Department Chair of the Personal Financial Planning Department at the University of Missouri, shares his expertise.
www.myprisminsurance.com/ www.youtube.com/user/PrismInsuranceAgency www.linkedin.com/company/prism-insurance-agency www.twitter.com/prismins www.facebook.com/PrismIns/ http://www.myprisminsurance.com/life/
Prism Insurance Agency takes a look at corporations and big business values to give us a better understanding of the country’s latest and greatest recession. James Hoopes, Professor of History and Business Ethics at Babson College and author of the book, “Corporate Dreams: Big Business in American Democracy from the Great Depression to the Great Recession” shares his perspective on history helping us make investment decisions.
www.myprisminsurance.com/ www.youtube.com/user/PrismInsuranceAgency www.linkedin.com/company/prism-insurance-agency www.twitter.com/prismins www.facebook.com/PrismIns/ http://www.myprisminsurance.com/life/
When you think of the current generation of kids, generous, selfless and empathetic probably aren’t the first descriptive words that come to mind. You may be surprised to hear that youngsters may not be as selfish as we think; they just need us, their parents and grandparents to guide them toward a more giving orientated path. Join Prism Insurance Agency and our guest author and philanthropist to gain insight into the importance of raising our kids with a passion for philanthropy.
www.myprisminsurance.com/ www.youtube.com/user/PrismInsuranceAgency www.linkedin.com/company/prism-insurance-agency www.twitter.com/prismins www.facebook.com/PrismIns/ http://www.myprisminsurance.com/life/
The New Year is a time to reflect on the past and resolve to plan for a successful financial future. This episode or Prism Insurance Agency's Podcast focuses on 12 New Year’s Resolutions that you can implement with us, your Real Wealth Advisor. These are simple, time tested ways to secure financial well-being in 2012 and beyond.
Do you have confidence that you will have a comfortable retirement? With all of the economic uncertainty, that fact that pensions seem to be a thing of the past, and an uncertain future for social security, you definitely have to plan for your own financial future. The hardest part, as with any goal, is taking the first step. Join us as we cover 12 New Year’s Resolutions that you can implement to help make sure your financial affairs run smoothly in 2012 and beyond.
http://www.myprisminsurance.com/ https://www.youtube.com/user/PrismInsuranceAgency https://www.linkedin.com/company/prism-insurance-agency https://www.twitter.com/prismins https://www.facebook.com/PrismIns/
With the uncertainty of social security and pensions becoming a thing of the past, retirement income planning has to be a top priority for those looking forward to retirement. Join Prism Insurance Agency with our guest to discuss the changes that have occurred over the past twenty years and the rules that we face planning for retirement. We’ll share practical solutions to help you plan for a long, successful retirement.
www.myprisminsurance.com/ www.youtube.com/user/PrismInsuranceAgency www.linkedin.com/company/prism-insurance-agency www.twitter.com/prismins www.facebook.com/PrismIns/ http://www.myprisminsurance.com/life/
Are you tired of your career, but not yet ready to retire? Or maybe you’re one of many Americans who’ve had a career change decided for them? Enter the second-act career, whether it is to pursue your passion, to start a business or to make a difference in your community. Prism Insurance Agency invites Senior Associate Editor of Kipplinger’s Personal Finance to discuss her article “Off to a Fresh Career Start,” where she shares her research on hitting the reset button on your career. Hear her insight about how best to make the transition as smoothly and wisely as possible.
http://www.myprisminsurance.com