Find Auto Insurance For Your Vehicle

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byAlma Abell

If you’ve purchased an automobile then the next step is looking for insurance for your vehicle. Shopping for auto insurance doesn’t have to be a frustrating task. In order for you to find auto insurance for your vehicle you need to consider a few factors such as the premiums, the coverage you prefer, and the rates. Auto insurance typically covers claims pertaining to accidents and theft. Auto insurance is the best solution to protect your vehicle and keep you from any financial burden. Insurance agents can assist you in finding auto insurance in Chicago at an affordable rate you will be satisfied with.


Get the Right Coverage

Since there are limitless amounts of options, rates, and coverage plans to select from it’s important to specify with an insurance agent your specific needs. This allows you to get the right insurance coverage and rate for your vehicle. An insurance agent will work hard to make sure you get an affordable rate and the coverage you require for your vehicle. They listen to your insurance needs and ensure to provide you with a free auto insurance quote that fits best in your situation. It doesn’t matter if you’re a perfect driver or have made some traffic mistakes; insurance agents are there to assist you.

Insurance Company You Can Trust

Accurate auto insurance is a reputable insurance company that you can trust. Insurance agents help you find the affordable coverage you need for your automobile. Agents will explain the insurance policies to you so you understand what it is you are purchasing. With exceptional customer service and a quick auto insurance quote which is provided on their website, you don’t have to drive to their location. You can have peace of mind in knowing you made the right decision in choosing them.

Financial Planning April 17th 2022

Insure Your Investments By Insuring Your Business

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byAlma Abell

Whether you run a small business or a large business, it is very important to make sure that your business is insured. It takes a lot of hard work and investing to run a successful business. Make sure it is protected and minimize risks of a financial state by keeping it insured. There are many risks that can hurt a business such as injured employees, a natural disaster, the death of your partner, or even a lawsuit. It is imperative that enough insurance is purchased to cover all of your assets. Even businesses that are an LLC need protection. They may already be protected concerning business liabilities, but they still require protection from losses that require liability insurance. This is especially true for companies that need business insurance in Traverse City, MI.

Check Your State Insurance Requirements

Many state governments require a company that has employees to carry business insurance. They also determine the requirements for business insurance. There are different types of insurance that need to be provided by a company such as state disability insurance, workers compensation insurance, and unemployment insurance. A company may also need to carry commercial auto insurance if they own trucks and cars that are used in direct line with their business. When a company uses an independent insurance company to find the best rates on different types of business insurance, they can expect to find more affordable quotes from a variety of insurance companies. If a company has a financial lender, they may also be required to obtain fire, flood, life, and business interruption insurance. All of these types of insurance will help protect investments. You can rely on an independent insurance agency to find an affordable selection of policies to review with the coverage you require.

Compare Quotes to Find Great Insurance Opportunities

When an independent insurance agency has a rating system in place, you are assured quality comparisons from the professionals. While you speak with them one on one about your business, be sure to give them all of the pertinent information requested. It is important that you both are completely transparent so they can earn your trust. Once you review quotes that fit your price range, you can rest assured that your investments and your business are protected by an independent insurance agency that make your needs their own needs. Find comfort in being insured by qualified agents that have your best interests at heart.

Johnson and Associates Insurance have been in business since 1995. If you require business insurance in Traverse City, MI,

Financial Planning April 12th 2022

Sarcastic Political T Shirts Let Activists Make Their Point

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By Stacy Fox

Jake Greer and his girlfriend Katelyn Mosley are both wearing sarcastic political t shirts. His says ‘Obama Wants My Change – No New Taxes’ while hers reads ‘Vote For Social Security Reform – McCain’s going to need it.’

The two nineteen year olds make an interesting couple walking hand in hand down the Santa Monica Peer. Katelyn attends San Diego State University while Jake goes to the University of California at San Diego. Their political views are as different as their colleges. They have very different opinions about what the outcome of the 2008 presidential race should be.

‘I simply can not believe he’d support four more years of the same,’ Katelyn, an English major, says animatedly. ‘Obama brings real change for us.’

‘Yeah, change,’ Jake says pointing to his t shirt. ‘He wants all our money for social programs.’ Jake is an Economics major.

Jake supports the Senator from Arizona which is his own home state. But it’s not just local ties that bind. Jake says McCain understands the need to stand up to terrorists. Jake also fears that having both a Democratic Congress and White House will lead to higher taxes.


The couple does agree on one thing though. Sarcastic political t shirts are a cool way to express their political differences.

‘We keep looking for new ones to mix things up,’ Jake says.

‘Yeah, when I see one that is really going to make him mad, I buy it right away,’ Katelyn says, grinning.

Jake has a sarcastic political t shirt that makes Katelyn mad though. It says ‘Coming This Fall – Michelle Obama: Extreme Wife Makeover.’

‘He thinks it’s funny, but I think it’s just sexist. She’s a great woman who expresses her opinion. What could be more American than that?’

They agree to disagree and Jake says he’s mostly retired that t shirt on Katelyn’s behalf.

Because of advances in technology, there are more t-shirts than ever before – including the sarcastic political t-shirts Greer and Mosely like.

Now t-shirt companies can print only the shirts that are ordered rather than printing and shipping large batches. This gives the graphic artists that design the shirts much more latitude because they have to sell a smaller number before the design becomes profitable.

Also, a shirt can be designed and printed quickly. A candidate’s gaffe on the campaign trail can make it onto a t-shirt within 30 minutes of its uttering.

The campaigns produce t shirts to sell to their supporters, but they tend to be much more conservative. They feature red, white, and blue colors with the candidate’s name and sometimes an official slogan.

Sarcastic political t shirts sold online can be edgier. They can feature colors not necessarily associated with ‘patriotism’ and do takeoffs on popular culture references.

Sarcastic political t shirts sold online are also cheaper than the ones sold by the candidate with prices ranging from $15 to $25. The cheapest shirt on McCain’s official website is $35.

That’s good news for Katelyn and Jake who are building up quite a collection of sarcastic political t shirts.

‘You always have to go back and look at the internet for the shirts because there’s always something new,’ Katelyn says.

About the Author: For a selection of Sarcastic Political T Shirts, go to


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Financial Planning April 2nd 2022

Heres The True Story Of A Million Dollar Producer

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By Lew Nason

During the past 26 years my son Jeremy and I have had the distinct pleasure of helping hundreds of insurance agents, financial advisors and financial planners to go to the very, very top of the industry in life insurance and annuity sales. What follows is the recent success story of one of those people. Phil Calandra came 3 years ago to us after first attending the Missed Fortune TEAM Training, because he was struggling to make their system work. Here is his story, as he tells it

How Do You Earn Half-a-Million Dollars During Your First Year as a Financial Advisor?

By Phil Calandra, RFC

Hardly a week goes by without another financial planner, financial advisor or insurance agent asking me how I made half-a-million dollars during my first year of practice. Or, theyll ask how I earned close to a million dollars during my second year of work helping clients. I am going to tell you my true story. But, for me, the important story is how many people I have helped, not how much money I have made. It is all about how I helped my valued clients to earn more, achieve more, and advance toward their financial goals and objectives. That is the big picture and that is my priority. Assisting clients in resolving their money concerns that is what financial planning is all about for me.

Countless numbers of people have also asked me how I made MDRT during my first eight months in the life and annuity arena. Or, they ask how I made MDRT Top of the Table during my first full-year in the business. I am going to tell you what I did, plus what I didnt do, to achieve such a high level of success, so quickly. If you are serious about having a similar rewarding career as an advisor, then I urge you to get more serious with what you are doing.

When I decided to leave the corporate world in 2005, I departed a fat six-figure position with lots of perks and status. I wanted to help others in a very meaningful way. I wanted more servant leadership in my life. I did not want to push products and services onto trusting people. I no longer wanted to serve an ultimate objective that dictated: How much more can we get out of this customer?


For my lifes work I needed something far more different, something more satisfying, where I could be of real positive benefit and enjoy lasting personal relationships. Money was not the deciding factor for me. My successful experience was in corporate finance. I worked with many of the Fortune 500 companies in the USA. I traveled extensively and interacted with CEO types and top executives. But, I found myself longing for kitchen table type meetings where my skills could help real people. Middle class American citizens are largely ignored or exploited by our corporations, institutions, and organizations of all types. Our average American citizen is even exploited by our city, county, state and federal governments. Yet, they are the most important element of our society. They play by the rules but only keep getting shafted more-and-more. They and their children deserve much better treatment. I wanted to serve them, truly help them, and assist them in protecting the financial worth and improving their financial futures.

Later, when I became a financial advisor I did not target the super wealthy. And I never expected to make so much money from work that I dearly love. Every morning I rush to the office, happy, and eager for another good day of meeting wonderful people (both clients and prospects). My real sense of satisfaction comes when the client is pleased and sees the results they need.

I Invested In Myself

From the beginning, the one thing I knew I would have to do is invest in myself. The school of hard knocks would take too long to create and replace my existing lifestyle and income. So, I started seeking out training from the very best in the industry. I easily spent $15,000 on coaching and training materials in my first year. I went to Missed Fortune TEAM training (before I even had a license), the MoneyTrax Mentoring Program, and I purchased every life insurance and annuity marketing and sales program developed by Lew and Jeremy Nason at the Insurance Pro Shop. Lew Nason became one of my first real coaches, my mentor and a dear friend.

What Lew stressed is you must learn two things to be successful. 1. You are in the marketing business. 2. You are in the financial advice business, in that order. If you dont have the right people to see, you cant make it. Marketing is the key to always being in front of the right prospects.

And, if you want to make the kind of money that less than 1% of the advisors make, then you have to do what most arent doing. What many advisors are not doing is Doing what is right. If you put the client first and take care of solving their issues and concerns, your success will follow.

The most important task we all have, both in our business and personal lives, is to build true relationships. What is a true relationship? Well, it can be described in a number of ways. I believe it is a connection between two people that is sincere, uplifting, joyful, and continuously strengthened by trust and empathy. To build true relationships you must work at this connection and live by the premise: It is better to give, than to receive.

In our business, people buy from people they like and trust. You must understand the importance, right now, of expressing and giving of yourself to other people. Whether it is in your business life or your personal life, the customer or person you are trying to build a true relationship with, has to feel appreciated and loved. It is simply the Law of Attraction. When you give out, you will get back, eventually. Coach Lew told me early on: People dont care how much you know, until they know how much you care.

Prior to joining the ranks of the self-employed, I was a student of the great motivators and an avid reader of success literature. That universal law and truth has been taught for centuries. I remember my coaching calls with Lew recounting the great Napoleon Hill: What man can conceive and believe, he can achieve. What have you read lately? It is important to feed your mind and build your skills, so you are sharp for every opportunity to help your prospective client. And, as the legendary speaker and author Charlie Tremendous Jones puts it; You are the same today as you will be in five years except for two things: the people you meet and the books you read.

When I started I did not have a Project 100, I did not call my family, friends and acquaintances. I did not pitch one single corporate manager or executive that I had been in boardrooms with previously. I knew my strengths and weaknesses. I was an accomplished presenter and public speaker. The dinner seminar was my natural marketing method. Now, I was fortunate to have enough start-up capital to jump right into the business this way. However, you CAN do it without a bankroll or rich spouse, if you learn how to properly use Joint Ventures, Free Educational Workshops, Free Reports and other proven marketing methods to consistently attract the right prospects to you. If you want to reach the top, use your resources wisely and get going Start small, be consistent, and never quit.

I was told by Mr. Calmen Mendel, one of the all time great Northwestern Mutual agents, This is the poorest paying easy work I would ever do. It is tough, but the people in your community, no matter what niche you plan on serving, need you. The financial well being of our country is in a fragile state. We are in a recession proof industry and people need real solutions. Identify the niche you want to serve and become an expert at marketing and consulting to that group. The dinner seminar was key to me getting off to a fast start. I used every seminar mail company out there. The folks at Response Mail Express (Jennifer Lowery) and Seminar Crowds (Clyde Cleveland and Susie Zolo) taught my assistant and I the basics. We then made every mistake possible. But we stayed with it. I have now created multiple seminar presentations, and my assistant Jennifer will tell you, I am changing things constantly.

Once again, I learned everything I could from the top producers. Take the time and invest in yourself. Some of the best in our business are: Don Blanton, Karlan Tucker, Craig Randall, and Lew Nason. Listen and learn from them and then fit things to your persona.

Are you sending out client newsletters? Do you have a complete follow-up system for every aspect of your practice? Are you sending out greeting cards, birthday and anniversary cards? Do you have an assistant and staff to strengthen your capabilities? These are all things I learned and figured out from day one that you must do. You must pay attention to detail and give your very best to your clients, prospects and community. Take the time to train and develop yourself and the staff around you.

In future articles, I will share with you specific things to do immediately. They are the activities and things I did and still do, that have taken me to the top of the industry.

Phil Calandra, RFC is President of Pinnacle Financial Services in Kennesaw (An Atlanta suburb), Georgia. He has been recognized by the International Association of Registered Financial Consultants, as ” One of our industry’s best and brightest. Calandra makes us all proud!”

Is there any question that Phil Calandra exemplifies the very best in our industry? Its a pleasure to help someone who is so dedicated to helping others.

About the Author: Claim your free Report “How to Attract & Sell Your Perfect Prospects” at

Where you’ll learn how to make 6-figures a year in insurance.


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Financial Planning March 26th 2022

Drowning In Medical Bills? Contact A Bankruptcy Attorney In Washington Indiana For Help

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Medical bills and job loss are two of the main reasons that people are forced to file for bankruptcy. Hardworking people, who have always paid their bills promptly often feel humiliated when they can no longer do this. They wait too long to contact a Bankruptcy attorney in Washington Indiana for help. By that time, creditors may be calling daily and threatening to garnish their wages. Once the debtor’s attorney files the bankruptcy application, creditors must stop contacting the debtor. This will help reduce the debtor’s stress level and help them focus on their financial recovery.

If the court determines that the debtor must use Chapter 13, the Bankruptcy attorney in Washington Indiana will scrutinize the budget that the bankruptcy trustee designs. The debtor must successfully complete every month of the repayment plan or the remaining debt won’t be forgiven. The budget must provide a reasonable amount of money for housing, food, transportation and other typical expenditures. The debtor is not allowed to use credit cards during this period, so they have to have sufficient cash for items such as car repairs. Feavel Law is one of the law firms in the area that help debtors determine which method of filing for bankruptcy is in their best interest.

Financial Planning November 21st 2021