I'm Everywhere!

I love to connect.  Here are other places you can find me:

• My Insurance Blog
• On Facebook
• On Twitter
• On LinkedIn

A New Pardigm

Years back, I watched a well-known financial adviser's television show.  At the time, I agreed with their views on life insurance. It was said that whole life insurance (particularly universal life insurance) was a waste of time. I subscribed to the "buy term, invest the difference" mentality.  Then I became a life insurance agent. Now I feel a bit differently about the issue. I still believe that some people should follow that advice. I just don't believe this is for everyone. We should all decide how much risk we are willing to take on [when it comes to investments.] If you prefer investments with more security measures than stock and bonds, then considering universal life insurance is not a bad thing. Universal life offers guaranteed minimum interest. In addition, cash values grow tax deferred. In the future people will be thinking more about the long-term growth of money, not the new millennium's need for instant gratification.

Listnening to Your Intuition

Have you ever felt that you should make an important move, but didn't? Have you ever regretted not doing something important? If you answered yes, then you must understand that your intuition was speaking to you [and through you.] Intuition is that voice from within that attempts to direct your actions. When your intuition tells you that you need life insurance, LISTEN TO IT! Even if you don't have money today, you can set up your insurance payments around your paycheck. "Buy now, pay later," so to speak. Now that you have no excuses, what are you waiting for? The time is now.

The Insurance Library

I am so excited to be a contributor to www.InsuranceLibrary.com!  This is a website consumers can go to for accurate insurance answers from licensed professionals like myself.  These agents are all across the country so they can give you specific answers relevant to the state you live in.  I even learn new things by reading other agents' answers!  I love it.  If you log on and ask a question about life insurance, I may be the one to answer.

I'm Baaaack!!!!

A few months ago, I had decided to stop posting to this blog because I created a personal website with a blog already attached; however, there is nothing like Google and Blogger.  So I have decided to post content to both of my blogs.  My other blog is located at www.QHfamilies.com/blog.html.  To keep things easier for me to stay on top of, I will be posting the same entries to both blogs on a regular basis.  Occasionally they will differ, but I don't want to spend all day coming up with different content for different blogs.  I really want to use this blog to point to my website www.QHfamilies.com.  My website is focused on my life insurance business.  I hope you read it.  Thanks!

College Savings Plans

In the ideal world, college savings would begin as soon as our children are born. In real life we must save what we can, when we can. One great way to fund a college education on a budget is a college savings plan. These plans allow you to save money over a period of years while earning a competitive interest rate. Saving for college is much better than borrowing because you earn interest instead of paying it out. You or your child will not be in debt upon graduating college. It even provides insurance protection for your child's life! You can feel confident that you will be providing the gift of education and encouraging your child's success.

Peace & Financial Blessings,

Ms. Q. Harvelle