Mom, are you Insured?

Care to take a guess at how much it costs to insure a 35 year old healthy mom for 1 Million dollars of life insurance on a 10 year term policy?

I began putting together a list of 10 year term rates for women at ages 25, 35, 45, 55, 65 and 75 then decided not to post it. It's too unbelieveable!

I'm wondering; how can I motivate American women to properly insure themselves for their family? The calculator at the end of my "What about Mom" post provides a list of services mom provides for the family and how difficult she is to replace financially.

Imagine how relieved you will feel knowing that, no matter what, everything will be ok. Why not do yourself and your family a huge favor and check out how inexpensive it is to purchase $1 Million of 10 year term insurance.

I will give you a hint...depending upon her health a $1 Million policy for a woman age 35 begins at....$18.25/month.

I told you it would be unbelieveable, however I can prove it with all the power of the internet. Call on me for personal, one to one, old fashioned service. You can get started by visiting my website http://www.jamesrichard.com/

What about Mom?

"Saint Jean Marie", A priceless gift no longer on the earth. She gave birth to me, nurtured me, and is likely responsible for most of my redeeming character traits. Though children often blame their lack or faults on their parents, I choose to remember mine as doing the best they could with the resources that they had and sometimes they were very limited. I am very grateful and credit my Mom for much of the goodness in my life.

Happy Mother's Day Mom! I love you!!!

Mom's are priceless to their children; aren't they? Can we actually put a value on having a mom? They usually are not paid for what they do, and if they were what would their economic value be to the family?

After consulting with more than 18,000 Moms, Salary.com, Inc., the compensation experts, posted their 2008 findings for Stay at Home/Working Mom's economic worth. If they were to be paid, 2008 Stay at Home Moms would garner $116,805 each year. Working Moms are worth an additional $68,405 over and above their w-2 salary. Mom doesn't punch a clock at nine and five so overtime becomes a significant factor in the six-figure total.

Here's a list of occupations you would need to hire, in order of hours spent per week, to replace Mom.

• housekeeper
• day care center teacher
• cook
• computer operator
• laundry machine operator
• janitor
• facilities manager/bookkeeper
• van driver/chauffeur
• CEO
• psychologist
• last but not least NURSE.

CALCULATE MOM'S FINANCIAL VALUE TO YOUR FAMILY HERE!

Like me, because you are building your financial future, you naturally want to know it is secure. Begin your insurance journey by framing your security on a foundation of term life insurance. You can get started by visiting my website http://www.jamesrichard.com/

An Unexpected & Unwanted Letter

Today started like any other day; servicing existing customers, listened in on a marketing teleconference, and going to the post office to pick up the mail. Hmmm what's this? A letter from the Peoria AZ Municipal Court!!! Oh oh, a photo traffic ticket for running a red light. What is this going to cost me?... $214!!!

Mr. Richard, you can settle this ticket in 4 ways:

• A. Pay the $214 and get 3 points on your license.
• B. Prove that your picture is someone else driving your car -
  (I briefly considered blaming it on Tom...; Cruise, Selleck, or would you believe Tom Arnold?).
• C. Request a trial hearing here in AZ - (I'm in WA for the next 6 months)
• D. Attend Defensive Driving School, Pay $200, Do not pass GO, and you avoid the 3 points on your license.

Swallowing my pride I confessed to my wife that I had a $214 ticket. I signed up for the Defensive Driving School and paid my $200 figuring that the 4.5 hour online class was worth keeping my driving record spotless!

You may find this hard to believe, but this was the first red light I've run in memorable history, maybe ever. My driving addiction is more of a 5 or 10 miles over the speed limit habit.

Now, this is where the story gets weird - I actually learned something. There was nothing graphic or gory in the class and still I learned:

• 1. FIVE minutes late is better than a 4.5 hour $200 class. OUCH!
• 2. How to keep another driver's attitude or lunacy from putting me in a potentially fatal predicament
• 3. Every year over 40,000 people are killed and 2.3 million are injured in traffic accidents
• 4. At any time during the day 1 in 50 drivers are driving under the influence of drugs, or alcohol, or prescription meds that impact their driving abilities and from 7PM to 2AM that number is much higher
• 5. I really do not want to blame being in a hurry for the death of a loved one or anyone else for that matter.
• 6. Bottom line, the only person responsible for my attitude while driving is my wife... :-) ...is Jim Richard.

Points 3 & 4 are for all of us that still consider ourselves bullet proof.

The class actually created a desire to change my driving habits and enjoy the journey.

My confession is offered up to cause you to pause, and in the very least you will save 4.5 hours and $200 and maybe... even your life.

Like me, because you are building your financial future, you naturally want to know it is secure. Begin your insurance journey by framing your security on a foundation of term life insurance. You can get started by visiting my website http://www.jamesrichard.com/