Brought to you by:
Jeffrey N. Schweitzer, EPA, CEP, ATP
Northeast Financial Strategies Inc
667 South Street
Wrentham, MA 02093
800-560-4637
jeff@nfsnet.com
http://www.nfsnet.com


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About Our Firm:
Offering Financial & Estate Planning, Investments, Insurance, Accounting, Payroll, and Income Tax Preparation for Individuals & Small Business. "Financial Strategies That Fit YOUR Needs!"
QUOTES from the Masters...
On Problem Solving On Life/Living
"Neil Armstrong once said, 'You only have to solve two problems when going to the moon: first, how to get there; and second, how to get back. The key is don't leave until you have solved both problems.'" -– Jim Rohn

"Any jackass can kick down a barn but it takes a good carpenter to build one." -- Lyndon B. Johnson

"Problems are good, not bad.  Welcome them and become the solution.  When you have solved enough problems, people will thank you." -– Mark Victor Hansen

"Life is no brief candle to me. It is a sort of splendid torch which I have got a hold of for the moment, and I want to make it burn as brightly as possible before handing it on to future generations." -- George Bernard Shaw

"Life is what we make it. Always has been, always will be." -- Grandma Moses

"Out of love and hatred, out of earnings and borrowings and leadings and losses; out of sickness and pain; out of wooing and worshipping; out of traveling and voting and watching and caring; out of disgrace and contempt, comes our tuition in the serene and beautiful laws." -– Ralph Waldo Emerson


  Estate Ideas
The Three C's of Health Insurance
 
In attempting to purchase health care insurance, individuals face several problems:
1
Cost

Due to the high cost of traditional health insurance coverage, it is difficult (if not impossible) for many people to purchase adequate health insurance protection at an affordable cost.  Without this protection, however, the financial impact of a serious injury or illness can be devastating!

2
Choice

While managed care has produced cost savings, people enrolled in managed care plans generally find their choice of doctors restricted.  There is also increasing concern about the interference of bureaucracies in the doctor-patient relationship.

3
Control

Individuals who need little or no health care receive no financial reward under traditional or managed care plans, nor is there any financial incentive under these plans for individuals to exercise control over their health care expenditures.

By combining tax-advantaged personal savings with a high-deductible health insurance plan, the Health Savings Account (HSA) puts you in control of your own health care dollars, while protecting you and your family against the cost of a serious illness or injury. 



MESSAGES from the Masters...
THE MIRACLE OF PERSONAL DEVELOPMENT by Jim Rohn

One day Mr. Shoaff said, "Jim, if you want to be wealthy and happy, learn this lesson well:  Learn to work harder on yourself than you do on your job."

Since that time I've been working on my own personal development.  And I must admit that this has been the most challenging assignment of all.  This business of personal development lasts a lifetime.

You see, what you become is far more important than what you get.  The important question to ask on the job is not, "What am I getting?"  Instead, you should ask, "What am I becoming?"  Getting and becoming are like Siamese twins: What you become directly influences what you get.  Think of it this way: Most of what you have today you have attracted by becoming the person you are today.

I've also found that income rarely exceeds personal development.  Sometimes income takes a lucky jump, but unless you learn to handle the responsibilities that come with it, it will usually shrink back to the amount you can handle.

If someone hands you a million dollars, you'd better hurry up and become a millionaire.  A very rich man once said, "If you took all the money in the world and divided it equally among everybody, it would soon be back in the same pockets it was before."

It is hard to keep that which has not been obtained through personal development. 

So here's the great axiom of life:

- TO HAVE MORE THAN YOU'VE GOT, 
BECOME MORE THAN YOU ARE -

This is where you should focus most of your attention.  Otherwise, you just might have to contend with the axiom of not changing, which is:

- UNLESS YOU CHANGE HOW YOU ARE, 
YOU'LL ALWAYS HAVE WHAT YOU'VE GOT -

To Your Success,
Jim Rohn
 

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The purpose of this newsletter is to provide information of general interest to our clients, potential clients and other professionals.  The information provided is general in nature and should not be considered complete information on any product or concept described.  For more complete information, please contact my office at the phone number above.

 
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