Worth is a lot more than your salary or your current assets. It’s the present value of what you do, who depends on you and what it would cost to replace you. Without knowing I would bet that you, like many women, are underestimating the value of what you bring to your family, your business and/or the worthy causes you care about.

Just think about it. You earn a salary or may even be the primary breadwinner in your family. Perhaps you have children, take care of aging parents, volunteer for a cause you love, or own a business. Now consider the costs for childcare, college, elder care, home/spouse care, the work you do for charity, replacing the value you bring to your business. Do you have any idea of how much that is worth?

Just as a rule of thumb, Prudential’s life insurance underwriting professionals would say that someone who is married and/or with dependents could qualify for life insurance in an amount between 10 and 30 times their income. This depends upon age (which generally correlates to the age of dependents, and the amount of time you are responsible for them). For example, a woman who is 50 years old or younger with a spouse or dependents could qualify for $1,000,000 of life insurance if she earns $50,000 a year or more. For a 30 year old, a $34,000 salary would qualify. Even without dependents or a spouse, a 30-year old woman making $27,000 or more would qualify for $1,000,000 of life insurance.

These estimations may not contemplate your worth if you own your own business. The amount could be far more in this case depending on business revenue streams and assets and how dependent the success of the business is on your skills. Evaluating someone’s worth would be difficult using rules of thumb, and everyone’s needs are different, but suffice it to say that based on statistics, you’re probably likely to place a lesser value on yourself than you should.

Many people are not particularly knowledgeable about financial products, and/or confident in their ability to achieve financial goals. However, if you have significant responsibilities in the home or in your business and people you care about, or if you are concerned about your financial future, consider engaging the services of a licensed financial professional to help you obtain the right insurance and financial products sooner rather than later. You ARE worth it!

Don’t use your credit card on purchases that you can pay in cash. If you do, you may end up buying a lot of things that are really unplanned and out of your budget. As much as possible, pay your daily expenses using your allotted cash for that day.
Pay back your credit card balance in full each payment due. Most credit card holders pay only the minimum on their bills. Make it a point to charge only the amount you can pay back in full. This is an important step in avoiding credit.

Always pay on time. The importance of paying credit card bills on time cannot be emphasized enough. Don’t forget that with a single delay or miss in your payment, you immediately incur the interest rate on your debts. The habit of missing your due date of payments can easily put any credit card holder in a bad credit situation.

Choose credit cards with low interest rates only. It is important to start with the right kind of credit cards. Always go for a lower interest credit card even if other cards seem to offer more rewards or perks. If you’re not going to transfer balances to your credit card, then find one that has a low interest on purchases. Some credit cards may entice you with 0% interest rate on balance transfers only but not on purchases. Also, bear in mind that introductory offers will not last long. You’re better off with a credit card that guarantees reasonable fees for a lifetime.

Choose credit cards with sufficient grace period. To buy as much time as you can before incurring the interest rate, check on the length of grace period the credit card offers. As much as possible, find one that gives up to 30 days grace period.

Read more:Tips On How To Use Credit Cards Properly

1. Get organized. Knowing where your receipts, investment statements and tax returns are is an essential component of your financial plan. Setting up a system now will keep you organized throughout the year. Create separate folders for all of your 2007 tax-deductible expenses, your banking and investment statements, insurance claims and pay stubs/W2s. This one simple step will get your financial year off to a good start.

2. Make copies of important documents. In an emergency, you may need to quickly locate critical records such as insurance policies, bank account and credit card numbers. Compile a comprehensive list with account information and contact numbers for all-important accounts. Also make copies of deeds to property, stock and investment statements and other valuable holdings. Put everything in a safe place in your home and keep a copy in a location away from home, such as in a safety deposit box.

3. Start a plan for getting out of debt. It could be a daunting way to start the year, but there is no better time than now for a financial reality check. Write down your credit card balances, the interest rates being charged and the minimum monthly payments. Figure out which cards (those with the highest rates) to pay off first. There are many good books on the subject, and depending on how much debt you have, you may want to meet with a financial advisor to develop a specific pay down plan. Also, try to resist the temptation to pay off your credit cards with a home equity loan or line of credit. You'll only be trading an unsecured loan for a secured loan, without getting to the root of your tendency to overspend.

4. Review your 401(k) plan. Or sign up, if you haven’t already done so and your company offers a retirement plan. Many employers offer matching funds – sometimes as much as 50% of your contributions and up to 6% of your salary. That’s free money! If you are already in a plan, now is a good time to review your allocations for the past year to see if you need to make adjustments.

5. Check your insurance coverage. Did you make home improvements this year? Have a baby? Change jobs? You may want to make changes to your insurance policies to make sure you are adequately covered. If you or your spouse have neglected to purchase life, long-term care or disability insurance, now is the time to meet with a qualified professional to discuss the benefits of these important financial safeguards.

6. Review your estate plan. While not something most people look forward to doing, documenting your wishes in the event of your death is essential. If you have not done so already, make plans to draw up a durable power of attorney for health care and finances and a living will. These simple steps can help protect your assets and loved ones should the unthinkable happen.

Getting your financial house in order takes more than just writing down a list of resolutions. It takes discipline and planning. But having clearly identified goals and taking consistent steps towards them will help you make great strides toward having a financially happy new year.

Joshua Thomas
FInancial Services Associate
Prudential Financial
310-414-4111 ext 7203
joshua.thomas@prudential.com

Since I plan on living into my 100's I am really glad I came across this last year, not only do I sleep like a baby (I never did before)and I am always calm and relaxed. I also have not had a single illness since using this as it really builds the immune system. I would love to share more information to anyone who is interested. It truly will make a difference in your well being.

Laurie

www.ytbtravel.com/nfrancis

It took years of graduating Hard Knocks to realize that I'm no different than those who went before me
except; *they put in the time to invest in themselves. Oh sure they had failures but the difference, *they didn't let it stop them. They each had a goal and vision for their life and traveled onward until achieving their life's purpose. Everyone of those men and women had something in common. They each knew in order to achieve the results to which they lived for would only be accomplished by The Sweetest Words I Ever Heard!

So what are those sweetest words. I'm about to tell you but before I do I'd like to ask you a simple question to which you must respond with an honest answer. You should take some time and really ask yourself the following question with clarity and purpose. Here's my question? Are you ready to invest the time, energy and work into your dreams and goals to achieve the lifestyle that only you can decide what *success means to you? Take some time now and ponder this question.

OK so I hope that you got really clear on what your intentions are for your life
and your now ready to hear those "Sweetest Words I Ever Heard".

As you move forward with all of life's ups and downs remember the sweetest words you'll ever
hear "NEVER QUIT!" on your journey to the top!! Now that you've gotten clear on why your embarking on the journey of home business you will need to surround yourself with other like=minded individuals. The First Step to discovering this journey with thousands of other like=minded entrepreneurs is beyond this door. All you have to do is open it. A whole new world designed for freedom and success awaits you!

Please join me now in the Global Network of Business Developer's!

With Great Honor,
Phyllis Thomas

Child Support
If you have children, know your financial duties. It is crucial that both parents come to an agreement regarding the arrangements about child support. It is a common case that a parent does not pay enough or does not pay at all his financial duties to his children. As early as possible this matter should be addressed and cleared.

Dividing Property
State laws differ when it comes to dividing properties between divorcees. If you live in a community property state (AZ, CA, ID, LA, NE, NM, TX, WA, and WI), then your personal assets and your spouse’s assets that are acquired during your marriage will be divided equally between the two of you. For the rest of the states, the court will be deciding about the property distribution which depends on the financial state of the divorcing couple.

However, if you can come up with an agreement, the better it is for both of you. Some divorcees use “bartering” in dividing properties where both parties decide on which assets they would like to keep and which they would like to give up. However, to be fair, some divorcees prefer to sell all their conjugal properties and divide the sales equally between them.

Dividing Debts
Dividing debts can be really complicated. It is not a rare case where a spouse defaults on his or her debts and leaves the other spouse paying for the debts they were supposed to share. There have also been many cases where a spouse continues to run up more debts without the ex-spouse’s consent or knowledge. These unfortunate situations can be avoided by closing joint accounts and removing your spouse as an authorized user of your individual account.

Read more: Manage Your Finances Correctly Even After Divorce

Press Release

For Details, Contact: Yolanda Aguillard or Paula Scott
Direct Phone: 985-467-4500 or 504-613-0300
Fax: 985-768-3220

For Immediate Release 10 A.M. CST, October 15, 2007

Who’s Afraid of the Big Bad HMO? :

Slidell, October 15, 2007 - If you’ve ever been intimidated, frustrated or frightened off by the big words and scare tactics used by health insurance companies, help is finally here for you. No longer do you have to deal with the long hold times and the inaccurate information given to you by a representative on the other line who can only identify you as an ID number. No longer do you need to feel as if your question or concern is not a valid one. Absolute Resolutions, LLC, A Professional Healthcare Advocacy Company, is here to help you.

People across the nation pay hundreds of dollars for their health insurance policies every day and many of them are dissatisfied with the level of care they receive. With reasons that range from incorrect claims payment to the denial of medical procedures deemed not medically necessary by an individual who is unfamiliar with your medical history, owners Paula Scott and Yolanda Aguillard believe that the big bad insurance companies should pick on someone their own size….someone like THEM!

Mrs. L.C. DeRouen of Laplace, La., an 83 year old retiree enrolled in Medicare and a supplemental insurance, said of Absolute Resolutions, “This service is wonderful, the ladies at Absolute Resolutions were very friendly and took their time explaining my insurance to me. Before when I called my insurance I felt like they talked over my head because I didn’t understand much of what they were telling me. Not only did they [Absolute Resolutions] fix my billing issue, they taught me the difference between coinsurance and deductibles.”

Family Nurse Practitioner, Tammi LaBarre said, “My membership in Absolute Resolutions has been a lifesaver. I work long hours and didn’t have the time to sit on hold and wait for a representative to assist me. Absolute Resolutions sat on hold for me until my issue was resolved. Great service.”

Absolute Resolutions, LLC is a professional healthcare advocacy company headquartered in Louisiana with offices on both the Northshore in Slidell, and the Southshore in New Orleans that offers healthcare advocacy to its members. Acting as a liaison for its members, the team at Absolute Resolutions researches and resolves any of your health insurance issues so you don’t have to. As the brainchild of owners, Paula Scott and Yolanda Aguillard, Absolute Resolutions was founded in September 2007 in an attempt to assist consumers with their healthcare needs as well as aid in the recovery of the great state of Louisiana. Any issue, whether simple or complex is all easy to the Absolute Resolutions team. Services are provided for any state, any health insurance company and plans available include individual memberships as well as corporate memberships designed to help manage employee benefits. More information is available on the company website at www.absoluteresolutionsllc.com.

If you’d like more information regarding healthcare advocacy and Absolute Resolutions, LLC., or to schedule and interview with Paula Scott and Yolanda Aguillard, please call 985-467-4500 or 504-613-0300 or 866-673-1445, or email us at pr@absoluteresolutionsllc.com

Become a Marketing Rep. at no cost or a Referring Travel Agent for 449.95!!!

The YTB companies offer two unique and powerful business opportunities, that of referring travel agent or "RTA" and that of independent marketing representative or "REP". The travel agent opportunity has an initial fee under $500 and a monthly license fee of $49.95. There is no fee or travel agency purchase required to be a REP. You may choose to participate in one or both opportunities.

Become a Rep Only (Independent Marketing Representative)

A REP is a person who has signed an Independent Marketing Representative (IMR) agreement with YourTravelBiz.com and may sell Online Travel Agencies and sponsor other Reps. A rep can earn commissions and overrides on sales made by Reps in their IMR downline. A REP CANNOT SELL TRAVEL (only an RTA may sell travel).

Become a Referring Travel Agent (RTA) and
Rep (Independent Marketing Representative)
A Referring Travel Agent (RTA) is a person who has purchased an Online Travel Agency ($449.95) in an agreement with YTB Travel Network and pays a $49.95 monthly fee for a personalized website with travel booking engine and its Back Office management tools. An RTA refers people to their Online Travel Agency to book travel and earns travel commissions on travel booked though their personalized site. AN RTA CANNOT SELL YTB ONLINE TRAVEL AGENCIES (only a REP may sell Online Travel Agencies).

A REP is a person who has signed an Independent Marketing Representative (IMR) agreement with YourTravelBiz.com and may sell Online Travel Agencies and sponsor other Reps. A rep can earn commissions and overrides on sales made by Reps in their IMR downline. A REP CANNOT SELL TRAVEL (only an RTA may sell travel). There is no fee or RTA purchase required to be a Rep.

Total RTA Cost $499.90 (Includes first month license fee)