Author: Nkozi Knight
Nkozi Knight is a finance expert and strategic leader focused on helping individuals and families protect what matters while building long-term financial stability and generational wealth. His background spans financial services, regulatory leadership, and business strategy, with experience leading teams, managing risk, and driving performance across complex environments. He is a graduate of Marquette University and holds an MBA from the University of Wisconsin, and serves on Marquette’s National Alumni Board. His work extends into community leadership and entrepreneurship through multiple ventures.
This Is How Much Stephen Curry Is Worth to Under Armour
Stephen Curry has been central to Under Armour’s recent growth, and one analyst has pegged an astronomical estimated value of the NBA star to the apparel maker. In a mostly-bearish note by Morgan Stanley analyst Jay Sole, he makes a case that Under Armour ua is currently overvalued. He’s the only tracked analyst who put…
http://fortune.com/2016/03/04/stephen-curry-under-armour/
Yes, There Is Life in Space—Deal With It
No one has ever discovered life in space, and given the enormity of the universe and our tiny, modest place in it, it’s entirely possible no one will—either in our lifetimes or for many lifetimes to come. But never mind, because life is out there—indeed, it’s everywhere, simply because chemically and mathematically it has to…
Former Top Government Officials Side With Apple In FBI Legal Battle
It’s not just technology companies and privacy groups that are siding with Apple in its legal battle with the FBI over a locked iPhone used by a terrorist during the San Bernardino attacks. Several former high-level government officials described the FBI’s effort to compel Apple to help law enforcement unlock a terrorist’s iPhone as misguided.…
http://fortune.com/2016/03/03/apple-support-former-government-officials/
5 Most Common Mistakes People Make with Life Insurance
Over the years, I’ve seen that there is a lot of confusion around this topic – from what type of insurance is best to how much you need and where to get it. With that in mind, below are the five most common mistakes people make when it comes to life insurance. Hopefully, through this list, you’ll be able to get a better understanding of how life insurance works and why it’s a good tool for you and your family.
Mistake #1 – Having no life insurance at all
Many people simply overlook the importance of life insurance. It doesn’t appear to be something they need and it can be viewed as an added expense. But take a second to stop and consider all the important people in your life. If you weren’t there, how would they be impacted financially? It’s not fun to think about, but by “playing dead” you can begin to understand that life insurance is a critical tool to ensuring your family feels financially supported should anything happen to you. For instance, if you have any financial obligations, a life insurance policy will help to ensure that those burdens do not fall entirely on your family members and they can avoid starting a gofundme page in your name to pay for funeral cost. Remember, it is also important to get life insurance sooner rather than later because the cost goes up the older we get.
Mistake #2 – Relying solely on employer-provided workplace life insurance
Life insurance provided by your workplace is an excellent benefit and can serve as a good starting point for your basic minimum coverage. But remember any life insurance provided automatically from your employer is only good as long as you work with the company. Chances are you will not be with the same company for your entire working career either by choice or by force and the insurance does not go with you. You can purchase additional coverage through your employer or on your own to help fill the gap.
Mistake #3 – Only considering term life insurance
Term life insurance provides a “death” or “survivor” benefit, which is the amount beneficiaries receive if you pass away, for a certain period of time (15, 20 or 30 years are common increments), after which the coverage ends. An alternative solution would be to adopt cash value life insurance, which similarly provides a death benefit, but will grow over the years as long as you continue to fund the policy. Furthermore, cash value life insurance can help with financial obligations in a tax-advantaged way, whether it is paying for college, a business venture or retirement. These policies are generally more expensive, but can make a lot of sense if you are able to commit to regularly funding the policy.
Mistake #4 – Leaving retirement savings vulnerable
If you do not have any/enough life insurance, your family is likely to look to your retirement savings for financial support. This may seem like a safe solution for finding additional resources, but I would advise against using funds saved specifically for retirement for another purpose. If you are the higher earner in the family, your spouse may have been relying on those savings for his or her own retirement. Similarly, if your spouse is forced to liquidate or take large loans from the retirement account, it will hurt the potential long-term investment gains that would have benefitted your family down the road. It is important that the money you are saving is allotted for different goals – from life insurance to retirement – so that you are making the most of each savings opportunity.
Mistake #5 – Guessing on how much life insurance you need
Many people who walk into my office have no idea how much life insurance they need. Is it five times annual salary? Ten times? Some other figure? There are many factors to take into account to figure out how much life insurance is right for you. Often this is where a financial professional can really help with the process. We can help quantify how much and what type of insurance makes the most sense for you and then help get that coverage in place. There are also many online calculators available to use as a starting point.
At the end of the day, we all just want to know that our loved ones will be taken care of after we’re gone. I have seen firsthand the peace of mind a life insurance policy can deliver. So this month, as life speeds up again, take a few minutes to pause and think about the future. Life Insurance Awareness month may only last 30 days, but a good policy will last for years to come!
7 Ways to Transform Your Money Mindset
The level of abundance in your life in any area (love, friendship, success or finances) is a reflection of your inner state — what you hold in your mind and heart.
Want to create a healthy and loving wealth consciousness? Here are seven ways to transform your money mindset.
1. Forgive your past.
So many of our unquestioned beliefs and behavior patterns today around money are simply things we picked up at childhood or our past. They are not true and they don’t serve our highest good.
Forgiveness is a way to release them from our heart and energy field, so we are no longer blindly re-creating the same patterns and keeping ourselves stuck at the same level of abundance.
Grab a piece of paper and write down all of the painful memories you have around money –involving your parents, lovers, bosses or even yourself — that make you feel icky, stressed, anxious or frustrated.
Now, go through your list and practice forgiveness until you release the negative charge from each memory. You could try:
(a) Using a mantra such as: I forgive you. I’m sorry. I love you.
(b) Placing your hand on your heart and simply letting yourself feel the emotions that arise — giving yourself permission to feel them fully without attaching a mental story to them. Often as you let your feelings rise and observe them without judgement, they will naturally dissolve.
(c) Having compassion. Maybe your parents fought in front of you or didn’t have enough money and it caused you pain, but they were doing their best from their level of awareness — and they were probably re-creating the patterns they had learnt when they were children. Everyone is a divine loving inner spirit deep down — sometimes our true nature just gets temporarily obscured, like a cloud covering the sun.
2. Change your story.
The poet Rumi once said: “This world is like a mountain. Your echo depends on you. If you scream good things, the world will give it back. If you scream bad things, the world will give it back.”
He is referring to the Universal law of creation. Your inner world (thoughts, beliefs and feelings) creates your outer reality.
Do you find yourself saying or thinking things like: I’m so broke… Making money is hard… I’m always down to my last dollar… I never have enough… Wanting money is bad or greedy…?
Try changing your story around money. Start saying and thinking things like: I’m so blessed… I have everything that I need… the Universe always takes care of me… I give to the world and I receive… it is safe for me to have abundance… I am provided for.
3. Open your mind to infinite possibilities.
When it comes to manifesting, your logical mind can be your worst enemy.
It has a limited capacity to think beyond what it already knows, and it can be quick to tell you things like: Well, you can’t earn more from your current job, so receiving more money is, frankly, impossible.
When you have unexamined assumptions that you can only receive money in certain pre-determined ways — like a pay cheque from a day job — you block the Universe from finding other amazingly creative ways to bring you abundance.
Begin asking the Universe: What would it take for more money to flow to me? What would it take for me to get paid for being me? What would it take for creative ideas to come to me?
4. Practice gratitude.
The world is a reflection of you. When you look around your life and see and feel lack, the Universe receives the message to send you more lack.
So many of us suffer from a condition called Onlyness. We look at our bank balance and think: I only have $42. We look at our wardrobes and think: I only have these clothes to choose from. We look at our lives and think: I only have this much love, friendship, success, wellbeing or happiness.
When you start looking around your life and seeing everything as evidence of abundance, and feeling thankful and deeply grateful, the Universe sends you more abundance.
Look at your bank balance and think: Wow, I have a whole $42 to spend, that’s awesome. Look at your wardrobe and thank: Wow, I have warm clothes for my temple, how amazing is that? Look at your life and think: Wow, I already have this much love, friendship, success, wellbeing and happiness, and I am excited for even more. I am so grateful to be alive, adventuring in time and space, and I am going to soak up and appreciate every moment.
Bless your money as it goes in and out of your life. Bless it as you buy something as simple as your morning coffee. Pause and give thanks to the Universe for providing so much for you.
5. Create space.
When your life is full to the brim with old energy, memories and clutter, you are not symbolically or energetically creating space for abundance to come into your life.
Do a life assessment — look lovingly and honestly at your home, possessions, bank balance, love life, friends, career, leisure time, wellbeing and lifestyle.
Where are you not being true to your heart, soul and values? What needs to go in order for you to feel freer, lighter and liberated?
The more you remove anything that no longer serves you, the more space you create — physically and emotionally — for new people, opportunities and abundance to flow into your life.
6. Know your worth.
You are a divine spiritual being having a human experience.
You are the Universe experience itself through you. Your creator desires for you to experience endless happiness, peace and fulfillment.
Until you know your true nature and worth, you will probably experience feelings of guilt and doubt around receiving and abundance.
When you wake up to who you really are, you begin to realize that you are not here just to struggle and survive – you are here to love, create, expand and thrive.
7. Take small steps to cultivate the feeling of abundance.
Abundance is not a number on a bank statement, a large house or a luxury holiday. Abundance is a feeling.
Think about what abundance means to you. Does it mean freedom? Does it mean generosity? Does it mean indulgence?
When you know what abundance means to you, you can start taking baby steps to cultivate the feeling of abundance on a daily basis.
You can do this through visualization (imagining your dreams already being real) or by looking around your life and coming up with creative ways to feel the way you want to feel.
Maybe you feel abundant when you: spend a whole hour with a good book and a glass of wine; cook dinner for friends; have freshly washed hair and wear your favorite outfit; or carry a $100 note in your wallet. Start doing these small actions more often.
When you create the feeling of abundance within you, the Universe will pick up your new signal and start bringing you circumstances to match your new vibration.
Elyse Santilli Writer and life coach at NotesOnBliss.com, your guidebook to happiness and creating a beautiful life
Elyse is a writer, life coach and happiness teacher at NotesOnBliss.com and the creator of the Beautiful Life Bootcamp online course. She teaches people to align with their inner spirit, design a life they love, and expand their happiness and inner peace. For updates and inspiration, sign up now.
China Shares May Have Rebounded But Danger Signs Remain
Fears persist over the puzzling way in which Beijing authorities have handled the nation’s stock market
http://time.com/4172530/china-economy-stock-market-shares-circuit-breaker/
How to Be More Successful in 2016
And improve your career
Proof You Can Always Turn Failure into Success
If you’re curious enough, you’ll create your own future.
Extreme bears are betting oil is going as low as $25, $20 and even $15 a barrel in 2016
Oil speculators are buying options contracts that will only pay out if crude drops to as low as US$15 a barrel next year, the latest sign some investors expect an even deeper slump in energy prices. The bearish wagers come as OPEC’s effective scrapping of output limits, Iran’s anticipated return to the market and the…
Debenture holders at Perpetual Energy seek cease trade order on planned $25-million rights offering
Debenture holders of Perpetual Energy are hoping a hearing before the Alberta Securities Commission Tuesday will end up as a modern day version of the Grinch Who Stole Christmas
President Obama Speaks After Terrorism Briefing
“We will not be terrorized.” ~ President Obama
President Obama states that his office does not have any credible information about an imminent terror attack. His three plan approach includes attacking terrorist in the Middle East, preventing terrorist from getting into the United States, and stepping up efforts to prevent attacks on American soil from both foreign and domestic terrorist.
5 Important Parts Of The $1.1 Trillion Government Spending Bill
This week, Congress finally began to vote on a $1.1 trillion spending bill, avoiding government shutdown and putting at least a temporary halt to the gridlock that had defined Washington for much of the Obama administration.
The spending package, which hasn’t been voted on yet, would fund most federal agencies throughout 2016 and may actually demonstrate that Republicans and Democrats are, in fact, still capable of compromise. Here are five things to know about the bill:
There are actually two bills: For political reasons, the House leadership decided to split the funding measures into two different bills. One is the $1.1 trillion funding plan, the other is a $629 billion tax cut package. By splitting the two measures, USA Today notes, Democrats can vote against the tax cuts and conservative Republicans can vote against the funding bill while both can still pass.
The oil export ban is gone: The Republican caucus fought hard to put an end to the40-year ban on American companies’ ability to export oil. They got that done, much to the delight of the energy sector.
Republicans lost on refugees: Another major goal of some Republicans, especially more conservative members, was to restrict President Obama from bringing Syrian refugees to the U.S. They didn’t get that, though USA Today notes that the spending bill includes new anti-terror provisions relating to visas for visitors from 38 countries.
Planned Parenthood is safe: One of the most contentious issues for the past several months has focused on federal funding for Planned Parenthood, a national network of women’s health care centers that provide abortions. The organization will continue to receive funding, to the consternation of conservative Republicans.
The medical devices tax is gone: Mark this as a win for House Speaker Paul Ryan. Though it isn’t off the table forever, the deal delays the tax for at least two years.
Source: 5 Important Parts Of The $1.1 Trillion Government Spending Bill
Fed Aftermath and Rite Aid — 5 Things to Know Today
Here’s what you need to know today.
BCE Inc seeks at least $750 million from common share offering
BCE is set to return to the equity markets for the first time in more than five years with a $750 million bought deal
Source: BCE Inc seeks at least $750 million from common share offering
University of Missouri Board of Curators Name Michael Middleton Interim President
University of Missouri Board of Curators Name Michael Middleton Interim President
The Board of Curators announced that Michael Middleton, 68, will lead the four-campus system until it finds a permanent replacement for Tim Wolfe, who resigned Monday under pressure from students who criticized his administration’s response to a series of racial incidents.
“I am honored to accept the appointment as interim president of the UM System, and lead our state’s premiere university during this extraordinary time,” Middleton said. “The time has come for us to acknowledge and address our daunting challenges, and return to our relentless adherence to the University of Missouri’s mission to discover, disseminate, preserve and apply knowledge.”
Middleton, a longtime law school professor, had retired Aug. 31 after 17 years as deputy chancellor, the Board of Curators said in a statement.
He received his bachelor’s degree from the university in 1968. Three years later, he became the third black student to graduate from Mizzou’s law school, the Board of Curators said.
Middleton then began a career in civil rights law in Washington, D.C., working as a trial attorney for the Civil Rights Division of the Justice Department. He returned to Mizzou as a law professor in 1985.
Quad/Graphics plans to close plants, cut $100M in costs
In the wake of disappointing financial results, Sussex-based Quad/Graphics Inc. said Tuesday it will begin closing plants and taking other steps to cut $100 million in costs.
“Our third quarter financial performance was challenging and below our expectations,” Joel Quadracci, CEO of the commercial printing firm, said in a statement.
Quadracci said the company would move swiftly to slice costs and bring them in line with sales.
Quad did not say how many jobs it might cut, or identify any plants for closing. However, spokeswoman Claire Ho suggested that the firm’s operations in Wisconsin, where it employs 7,000 people at 14 facilities, are not high on the target list for closures.
Quad continues to move work to its most efficient printing and distribution plants, and the Wisconsin operations are “among the most efficient platforms in the entire printing industry,” Ho said in an email. She said Quad is still hiring in Wisconsin.
The company, the biggest printer of magazines and catalogs in North America, operates 57 printing plants in the U.S. and another eight outside the country. It employs 24,000 people worldwide.
However, like other printers, it has seen demand dampened by the rise of the Internet and digital technologies such as iPads and other tablets.
In its annual report filed with securities regulators last March, Quad noted that prices for printing had “declined significantly in recent years.”
Tuesday, Quadracci said in his statement that pricing pressure accelerated during the three months that ended Sept. 30, while Quad’s manufacturing productivity declined.
The firm’s sales for the three months ended Sept. 30 totaled $1.16 billion, down 6.5% from the $1.24 billion in third-quarter 2014 revenue.
The company booked a loss of $552.2 million, or $11.50 a share, in the quarter. But that stemmed almost entirely from a $532.6 million non-cash, after-tax charge Quad recorded for “goodwill impairment” triggered by the decline in the firm’s stock price.
Before Tuesday’s announcement, Quad’s stock closed at $13.10, down 18 cents.
The company went public in July 2010 at $49. Its shares traded above $40 for almost a year, then plunged. They rebounded above $30 in 2013, but have trended downward for the last two years.
The slide in the stock notwithstanding, Quad generates enough cash to pay a hefty dividend — at least at the prices of the last two years. The current dividend of $1.20 a year amounts to roughly 9% of Tuesday’s closing price.
Quad on Tuesday declared another 30-cent quarterly dividend.
The company also reduced its 2015 revenue estimates by about $200 million. Previously, Quad had estimated sales of $4.8 billion to $4.9 billion for the year. The firm now expects $4.6 billion to $4.7 billion in revenue.
Since 2009, Quad has more than doubled its revenue, in large measure through acquisitions.
Quadracci may disclose details of the company’s cutback plans this morning during a conference call with analysts.
About Rick Romell
Rick Romell covers retail and general business news.
Serving Those Who Have Served Our Country
MAKING CONNECTIONS, ONE VETERANS AT A TIME!
United Veterans Partnership, Inc. (UVP) is a non-profit 501(c)(3) community development organization that works with our partners to build more sustainable communities where veterans and their families live, work, play and pray.
The UVP works closely with our partners to deliver programs that connect veterans to better housing and employment opportunities, financial literacy, business development resources and improved access healthcare and healthy food options.
At the end of the day, our success isn’t measured by the number of awards we get or the money we have raised but, rather, by the number of veterans who are living a better quality of life because of a connection that we made.
The Mission of the United Veterans Partnership is to “Help Veterans Build Sustainable Communities.”
For two years, the United Veterans Partnership (UVP) has listened to, communicated with and learned from veterans and other members of the community that the most pressing need is employment and business opportunities after their service to our country has ended. UVP is our answer to helping Veterans find the opportunities need to continue to be successful in the next chapter of their lives.
We are dedicated to helping veterans build communities through outreach programs and leadership development that focus on obtaining gainful employment, financial education, housing, entrepreneurial opportunities in business.
To do this the UVP has focused on striving to meet five goals to help meet the needs of returning veterans and the communities in which they live:
Jobs/Jobs Training: Develop a comprehensive Accelerated Job Training Program to reduce the jobless rate among veterans and partner with local companies to keep veterans employed long after their military obligation has ended.
Connecting the Veteran Workforce to Opportunities: Build stronger linkages between businesses and the central city workforce of veterans through partnerships with the Department of Veteran Affairs and other organizations that share the same goals of helping veterans achieve their goals.
Greater Veteran Involvement in Economic Development: Increase the participation of veterans of veterans with assistance from the UVP on local and regional planning and project development efforts.
Community Development: Deepen thee impact of Veterans on the development of the community, including but not limited to; housing and housing development, economic development, financial education and training, and community leadership opportunities.
Entrepreneurship/Small Business Development: Foster greater entrepreneurship in the community by guiding veterans on the creation and expansion of Veteran owned businesses and franchises.
Source: Our Mission
6 Changes You Can Make to Your Morning Routine That’ll Start Your Day Off on a Better Note
By Rachel Grumman Bender of LearnVest
Even if you pop out of bed with every intention of having a productive day, it’s easy to get derailed.
Let’s be honest—who hasn’t gotten sidetracked first thing in the morning checking social media or reading up on what everyone thought of last night’s Walking Dead episode?
Here’s the thing: How you kick off your morning can set the tone—and momentum—for getting things done throughout the day.
So we’ve rounded up six quick (because we know how important getting enough shut-eye is, too) and easy ways to jump-start your morning with power and purpose to set yourself up for a killer productive day.
Power Morning Move #1: Fit In a Seven-Minute Workout
While we know it’s easier said than done to roll out of bed as the sun is coming up, budgeting some extra time to exercise in the AM can help give you lasting energy for the entire day.
Research shows that fitting in a workout helps improve mental functioning and memory—helping to make you more productive.
And did we mention it can also help keep you trim? A 2013 study found that working out before breakfast helps burn 20% more body fat than if you schedule a workout later in the day.
The Morning Move
Check out The New York Times’ “The Scientific 7–Minute Workout,” an at-home routine that features 12 high-intensity interval-training moves that use just your body weight, a chair, and a wall.
There’s even an app for it so you can exercise anywhere, anytime—even in your pj’s.
Power Morning Move #2: Bliss Out With a Two-Minute Meditation
Convinced you don’t have the time or the discipline to meditate every day? Well, if you can spare 120 seconds, you do.
While that may not sound like much time, multiple studies have shown that even brief doses of meditation come with a slew of benefits that can boost your career—from making you cognitively sharper and more focused to improving decision-making.
The Morning Move
Zen Habits blogger and best-selling author Leo Babauta recommends sitting still and, for just two minutes, keeping your attention focused on your breath as it comes into your body and goes out.
“When your mind wanders, take note of that, but then gently come back to the breath,” Babauta has said. “That’s it—no mantra, no emptying of the mind, no perfect lotus position, no meditation hall or guru. Just pay attention to your breath.”
Babauta explains that these small bouts of meditation each morning can help you feel a bit calmer, less distracted, and less reactive during the day—especially when work stress creeps up on you.
Not bad for two minutes of your time, right?
Related: 5 Outside-the-Box Ways to Combat Work Stress That Really Work
Power Morning Move #3: Draft a Thoughtful Things-Not-To-Do List
We all have mile-long to-do lists that we semi-diligently try to tackle each day, but a surprising productivity secret is actually doing the opposite-thinking of things that, no matter how much you may want to do them, you can skip doing for 24 hours.
The Morning Move
Make a short anti-to-do list of typical time wasters you want to avoid that day, recommends Carson Tate, author of Work Simply: Embracing the Power of Your Personal Productivity Style.
Maybe your list includes dodging unnecessary meetings or even limiting the amount of time you spend on that ultimate time waster—email!
While you probably can’t go email-free for too many hours of the day, Tate suggests at least not starting your day by checking email.
“It’s counterintuitive, but I always tell clients that emails in your inbox are everyone else’s agendas,” Tate says. “They represent what everyone wants from you—their goals and objectives. Why not start your day with your own goals and objectives?”
Related: Power Hack of the Week: How to Tackle To-Dos Like a President
Power Morning Move #4: Listen to a Power Podcast
The “5 AM Miracle” is a weekly podcast that’s dedicated to “dominating your day” before breakfast by focusing on healthy habits, personal development, and productivity.
“Waking up with intention, with a plan and with a solidified purpose can make a dramatic difference, not only in your day but more importantly in your future success,” host Jeff Sanders notes.
The Morning Move
Tune in to a new podcast once a week or download one of the 100-plus shows from the archive.
Sanders and guests cover an array of topics geared toward becoming more efficient and productive, such as “How to Create Your Ideal Morning Routine,” “A Sharper Perspective on Getting Things Done” and “The Definitive Guide to Inbox Zero.”
Power Morning Move #5: Do the Dishes (Yes, You Heard Right!)
Rolling up your sleeves to hand wash a sink full of dirty dishes from last night’s dinner may be the last thing you want to do first thing in the morning, but a recent study found that mindfully cleaning dishes—in other words, staying in the moment while scrubbing away—reduced anxiety and made study subjects feel more inspired.
Who doesn’t want to kick off their day this way? But in order to truly reap the benefits, you have to do it right.
The Morning Move
Buddhist monk “Thich Nhat Hanh suggests that, while washing dishes, we should only pay attention to the experience of washing dishes and attend to the full sensory experience—the warmth of the water, the scent of the soap, the texture of each dish or utensil,” explains the study’s lead author, Adam Hanley.
Hanley chose to study dishwashing because it’s such a common task and so sensory-rich—and subsequently found that study participants who mindfully washed dishes reported a decrease in nervousness and a boost in inspiration.
Meanwhile, another group that simply washed dishes without practicing mindfulness didn’t experience any emotional changes—just clean plates.
Power Morning Move #6: Name Your Top Two Goals for the Day
We make choices all day long—from picking an outfit to deciding how to approach a major project at work.
The problem is that making one decision after another uses up mental energy, leading to what’s called “decision fatigue,” which means you may have already used up your best brainpower for the day by mulling over the options for your AM latte.
But there’s a way to combat decision fatigue—with one simple to-do.
The Morning Move
When you wake up and you’re at your freshest, “decide on the one or two things you want to accomplish,” Tate says, adding that even if you just spend a few minutes doing this, you’ve still prioritized your day.
And to help keep your decision-making sharper for longer, consider creating a morning routine that minimizes decision-making, such as eating the same breakfast each day.
“You don’t have to make grandiose, sweeping changes in your life,” she explains. “It can be really subtle, but you’ll see a pretty significant pop in productivity.”
6 Changes You Can Make to Your Morning Routine That’ll Start Your Day Off on a Better Note
8 Reasons to take out a Life Insurance Policy while you’re young
- Your premium will be lower
Sure, you’ll pay into your life insurance plan for a while longer, but your premium will be lower. You’re young, you’re pretty healthy, and your wrinkles aren’t too terrifying just yet. Your age and health will work in your favour and drive down the cost of your life insurance plan.
- Yourlife insurance policyprotects yourself and your future
Maybe, at this moment in time, you don’t have any kids, or you’ve just started thinking about starting a family with your other half. Maybe kids are still a good fifteen years into the future, and you’re happy right now just looking after your cat. Either way, life insurance isn’t just for now. Your plan will help out your hypothetical family, your future partner, or the partner or parents you do have, if something were to happen. Not to get too heavy, but life insurance also…
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Nkozi Knight 
