Social Media

v2_facebook_timeline_lawsonFor those of you who don’t know (have you been living under a rock?), Facebook is slowly debuting the Timeline to its 800+ million users. Currently, this update is available for those who opt in, but it’s rolling out to replace the Facebook profile we’ve all come to know, love, and obsessively study.

After the RecessionUnfortunately few operating businesses are immune to the effects of the recent credit crunch. As the threat of possible inflation and rising prices continues, oftentimes available credit will tighten. Small business owners may be left to restock inventories with less liquidity. This effect can quickly snowball and cause serious liquidity and credit problems. Keeping lines of credit open and maintaining an additional cash buffer may ease the pressure a bit. Business owners can also look for loans from less traditional sources. A permanent life insurance policy, for example, provides death benefit protection, but can build equity in the form of cash value you can borrow against should you need to.

 Financial ResponsibilityGiven the current economy, the best time to start taking control of your finances is today. Being financially responsible doesn’t just happen. It’s a conscious decision you make to live within your means. Slowly, U.S. consumers may be catching on. A nationwide survey on the financial state of U.S. households, conducted by PricewaterhouseCoopers, found only 13% of households are currently saving 7% or more of their disposable income, although fully 36% of households expect to save at this level in 5 to 10 years.1 While that trend may be encouraging, there remains ample room for improvement.

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Permanent life insurance (also known as cash value life insurance) not only offers a lifetime of death benefit protection, provided premiums are paid when due, but it also provides “living benefits” in the form of cash value that accumulates on a tax-deferred basis. Here’s an overview of how permanent life insurance will give you guaranteed cash value accumulation, all while keeping you safe and secure.

New York Life InsuranceCritical decisions, such as buying a home, getting married or having children, require deliberate, thoughtful consideration. Indeed, the outcome of any one of these decisions can irrevocably change your life for better or worse. But, delaying the purchase of life insurance can be a costly mistake for you and your loved ones. Waiting just a few years can have a negative impact on several key areas of a life insurance policy.

FALLBROOK CHURCH - CHRISTMAS IN JULY

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