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I think it is wonderful that Financial Literacy Awareness Month and Stress Awareness Month are both in the month of April. I think it makes perfect sense because money is the number one source of stress in people today according to the APA’s Stress in America report.
Money came in ahead of relationships, family, health, and job stability. In a recent poll on Stress 7 out of 10 people said they were “very stressed” about money.
So how does the financial stress we are feeling affect our health? Stress can lead to health problems. It can affect your cellular level and if stress is long term it can lead to many illnesses. Extreme stress or stress over long periods of time (called chronic stress) can damage your emotional and physical health. When was the last time you had trouble sleeping, struggled with tiredness, headaches, backaches, upset stomach or irritability? Did you know that these are all symptoms of chronic stress?
The American Heart Association celebrated their 10 year anniversary of the Go Red for Women Movement on February 1, 2013! Hundreds of women across the nation wore red on that day to help create awareness about the fact that heart disease is the number one killer in women, causing 1 in 3 deaths each year. My heart goes out to everyone who has lost someone or knows someone who has heart disease. It is important to also know that 80 percent of heart disease is preventable. How many diseases can we say that we have that much control over?
USA Today recently had a front page story – Two exes, a spouse, kids, stepkids – Now try drafting a will. In today’s society there are more and more blended families, which makes having a will even more important. But your family dynamics really don’t matter having a will should be a priority. According to attorney Les Kotzer “Everybody need to plan because we’re all going to die. It’s not if, but when.”
Approximately 70% of Americans don’t have a will. A will is a fairly simple document to create so why do so many people avoid it? Just a few reasons might include: I don’t have anything to leave to my heirs; I’ve got plenty of time to write my will; bad things don’t happen to good people; I can’t afford it, etc.
Do you remember when you were a kid going back to school and sharing with your friends all the fun things you did on your summer vacation? For the first time in more than 40 years I had an all summer vacation. And, it was wonderful! My husband and I went to Reno with friends and to Missouri for a family reunion.My friend Nancy and I went to Northern Virginia to spend time rubber stamping with friends. My husband and I went to the Kitsap BlueJacket baseball games, played golf, walked our dogs, and spent time gardening. I did lots of rubber stamping and hosted several stamping workshops. Wow!
I was touched and grateful to hear Jeannine McCurrie share her story at a Money Wi$e Women Conference in September 2009. She spoke passionately about the importance of having adequate life insurance coverage and being financially prepared for the unexpected.She told the audience not to feel sorry for her, but to listen to her advice and take action. Jeannine was recently one of 13 people awarded the Embrace Life Awards by State Farm. She was honored at a ceremony at State Farm headquarters in Chicago on April 27, 2010.
I've got some really exciting news about the Money Wise Women Get Smart Teleseminar Series that I just had to share it with you!
The Direct Selling Education Foundation is sponsoring next year's series. This means we are offering the Get Smart Series FREE! You can listen live or download the teleseminar and listen at your leisure. AND, there's more -- we're offering two monthly teleseminars focused on financial and business topics. Check out the great lineup of upcoming topics and speakers (see below). Visit www.moneywisewomengetsmart.com to sign up and listen to past interviews. I hope you'll share this with all the women in our life.
Today's Seattle Times (October 10, 2010) had an Op Ed about Investing in our women especially in hard times. The authors said "As community members, we too must invest in women. Whether you choose to act with your wallet, your time, or both, your action will make a difference. The critical role that women play in maintaining our families and community demands that we identify solutions that will foster not only an equitable recovery, but also innovative long-term solutions for women and girls -- and ultimately for all of us."
You may think you have a solid financial plan. The paycheck you bring home on a regular basis may be more than adequate to meet the immediate needs of your family. There may even be some left over for vacation, retirement, or even college savings.
Life insurance is a practical way to protect your family's financial hopes and dreams, yet millions of Americans have no life insurance coverage. In fact, only 61 percent of adult Americans had life insurance protection--a decline from 70 percent in 1984. Only 41 percent have individual policies, while others depend upon group insurance, leaving them underinsured as well as vulnerable to being uninsured if they lose their job.
If you were no longer there to provide for them, would your family be able to keep their home? Could your children attend college? If you answered 'no' to either of these questions, it may be time to look at your life insurance coverage. September has been designated Life Insurance Awareness Month by the Life and Health Insurance Foundation for Education (LIFE). The Foundation is encouraging people to examine their life insurance policies to determine if they are adequately protected.
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