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The Financial Guides Newsletter
Issue #22
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Something to Think About


"A lot of people have great ideas, but nothing in the world is cheaper than a good idea with no action."

   

-Anonymous

 


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THE RANT
The place where Tammy tells us what she REALLY thinks!

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This Edition's
"Sam's World"

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Greetings!

Our number one goal at The Financial Guides is to help you be as successful as you can possibly be in all areas of your life: financially, business wise, and personally.  In order to assist you on your path to greatness we will be giving you extra tools to make the journey easier.


Sun, Surf, and 911

 

With the summer season finally upon us many are planning summer getaways.  We pack our swimsuit, golf clubs, sunscreen, bug sprays, and all the other vitals, but how many are heading out without proper travel insurance?

 

If you are traveling outside of your province of residence you NEED to have travel insurance.  As we all know accidents and unplanned illness can happen to anyone at anytime, even you.  It is bad enough if we are in a car accident when we are home, but when it happens when we are traveling it can cause us a lot of extra financial grief.  An unexpected illness like a heart attack, or even something as simple as food poisoning, can cost more than you ever imagined.

 

Good travel insurance is cheap and something you never want to be without.  There are three main issuers of travel insurance and they are:  Group insurance, credit cards, and stand alone travel insurance.  Here are a few questions to ask when evaluating travel insurance:

 

1.  Is the coverage pay direct or is it a reimbursement plan?

 

2.  Does the insurance company have to be notified before seeking medical treatment or within 24 hours of an incident or hospitalization in order for the insurance to be valid?

 

3.  How does the company treat pre-existing conditions?

 

4.  What is the coverage limit?

 

5.  Does it cover you when doing "fun" activities such as scuba diving?

 

6.  Does it cover non-medical expenses such as travel and expenses for a family member to be with you if needed?

 

Travel insurance is very affordable and easy to get the RIGHT COVERAGE.  If you have any questions whatsoever, give us a call at (403) 257-6354 or (888) 469-3027 or tammyjohnston@thefinancialguides.com and we can help you out and even get you fully covered in about two minutes over the phone.  Have a great summer and make sure you can truly relax and enjoy your hard earned holiday.

 

"I never thought about it until I broke my leg and realized I have to get insurance,...The more I was traveling and doing work I realized I did need that, basically to protect my investment, which is myself."

-Scott Shaw


So What's Stopping You?


I am fascinated by the infamous "they" and the monstrous "what if".  The unknowable people whose opinions matter so much to the vast majority of people.  We can't do that, because what will "they" think.  We can't do this because "what if" that happens.  So we stop ourselves.  We hold ourselves back.  We settle for mediocre, even painful, because of the irrational, unnamable fears that run around in our heads.

 

A few weeks ago I was speaking with a client about the infamous "they".  These people that will judge us, look down on us, talk about us behind our backs (and sometimes in front of our faces), and we must make our decisions to keep "them" happy.  So I asked her a question, "How happy or successful are any of those people in any area of their lives?" 

 

Most people don't care what we are doing.  They are fully wrapped up in their own lives.  The ones that do care are usually miserable, unsuccessful people that are looking for someone to pick at because it makes them have the illusion of feeling better about their unhappy existence.  The people that judge your business are most likely employees trapped by fear in jobs they hate.  The people that judge your efforts to be healthy and active are usually sick, overweight people without the courage to get off the couch and do something other than grab another beer or bag of potato chips.  The people that judge your relationships are most likely lonely and / or stuck in some sort of dysfunctional relationship.

 

The other obstacle we all face is the voice in our heads.  The ominous "what if it goes wrong?"  Life is filled with challenges, problems, and yes, even heart break.  We start businesses and it never goes smoothly and easily.  We buy houses and cars and they need repairs and maintenance.  The house could burn down and the car could be totaled in an accident.  We get into relationships and they are filled with challenges.  Relationships end one way or another eventually.

 

Why bother catering to the faceless "them" or the all bark, but no bite imaginary terrors in our heads?  Go for what you want.  Listen to your heart.  Put in the effort to risk stepping onto the playing field of what you desire.  The only other option is to live your life on the periphery looking back and regretting what could have been.  The pain of trying and losing is bearable.  The pain of never having tried is heartbreaking.

 

"We fear violence less than our own feelings.  Personal, private, solitary pain is more terrifying than what anyone else can inflict."

-Jim Morrison  


 Premiere Gems logo

Jeff Nechka - Premier Gems Ltd.

Life is filled with moments we want to save and cherish forever.  A marriage proposal, a wedding, an anniversary, a birthday, a business milestone, beating an illness, or the memory of a loved one.  When you want something that is beautiful, unique, and lasting you think jewelry.

Jeff Nechka, of Premier Gems, is a certified gemologist that works with you to create jewelry that makes you sparkle.  Custom pieces that express the feeling you are trying to capture.

If you want to find out more about getting a piece that truly speaks to you check out Jeff's website

www.premiergems.ca   

or on Facebook at Premier Gems - Unusual Engagement Rings.

 

Upcoming Events  
 Mastermind Group (By invitation ONLY)
  When: Wednesday, July 20 from 7:00pm - 9:00pm
  Where:
email Tammy for Information
 
 All of our regular events will begin again is September! 
 email Tammy for Information  



No Boredom, No Jargon, No Sales, No Suits, No BS!


We at The Financial Guides are here to help you in whatever area you need. If you have any questions, comments, or suggestions for making this newsletter the best it can be, please let us know.
 
Sincerely,
 

Tammy Johnston
The Financial Guides