***UPDATE***

Oh my goodness, I didn't realize that I'd allowed 3 months to pass by with out posting to my blog! What on Earth was I doing? Well, I'll let you know exactly what I was doing: building my knowledge of Finance! In the past three months, I've spent countless hours going back over what I learned in college and putting it with what I am experiencing in the field, and I have to say that I've learned so much since I became a licensed life, health, & annuities agent than I ever did in a classroom!

When I go out and talk to people, I get the opportunity to see real world scenarios (not the simplified examples that we get in textbooks!). I have the opportunity to see in real time what the stock market has done, is doing, and will do to the retirement plan for the working class (401(k)), and I see the inequality in financial services that the middle class and lower income Americans receive EVERY DAY!

The systems in place are being re-written by a select few companies, and I am thankful that I partnered with one of them! I'll be talking a lot more about finance and many of the different ways to make your financial goals a reality! STAY TUNED!

~Shanta

The Reaper Effect

What happens when a person dies? Their families lose everything they've ever worked for and move to an apartment a few blocks away from the projects, the children leave their home, their school, and their friends, and the remaining parent or caregiver struggles to make ends meet while the child struggles to cope with the loss of a parent and making new friends!

Wouldn't it be terrible if that was the grim reaper effect? Total loss? For far too long people have lived this reality and families have gone without proper protection from the reaper, and this has to stop! With the growing rate of single parent homes, we need to be educated on how to properly plan for our futures so that our children can grieve us properly! Death is inevitable, but it doesn't have to effect our children's lives any more than our loss already does.

Over the next few weeks, we will be talking about life insurance: dispelling the rumors, educating the masses, and how to get people the coverage they need on their budget! Let's change the reaper effect from total loss to plain grief. You can rebound from both, but loss lasts much longer!

As a single mother, this information truly changed my perspective on some things! Now I can truly say that my son will be financially established if I pass away.  Let's start the talk about insurance! Let's not stop until everyone has the coverage that they need!

~Shanta