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 Worry/Fear On Just Do It!
"Do not give any time to your past, you can't change what happened 5 minutes ago." -- Jan Ruhe

"The fear is worse than the pain." -- Shannon Bahr

"Fear of failure or success is one and the same. Both are fear of exposure.  Not of our strengths, but of our weaknesses." -- Kevin W. McCarthy

"Worry is a sustained form of fear caused by indecision." -- Brian Tracy

"Each of us must do massive right thinking, take massive right action and get massive right results, right here, right now." -– Mark Victor Hansen
 
"The fact is, that to do anything in the world worth doing, we must not stand back shivering and thinking of the cold and danger, but jump in and scramble through as well as we can." -- Richard Cushing

"Someone once asked me what I want on my epitaph when I pass away.  Just the words – 'I tried.'  That's what this game of life is all about.  Trying. There's the tryers, the criers, and the liars." -- Mickey Rooney


  Estate Ideas
If a Critical Illness Strikes

Ask Yourself:

  • How long can you survive financially without a regular paycheck?
  • How will your regular bills be paid?
  • Will you have sufficient funds available to pay for:
    • Any insurance co-payments and deductibles;
    • Alterations to your home and/or automobile to meet any special needs;
    • Out-of-town transportation and lodging for medical treatment;
    • Additional household and child care expenses;
    • Treatments not covered by traditional health insurance; and/or
    • Shorter-term home health care during your recuperation?

Did You Know...

With advances in medical treatment and technology, many people now survive 
critical illnesses that would have been fatal in the past.

Cancer:

  • Men have a slightly less than 1 in 2 lifetime risk of developing some form of cancer.  For women, the lifetime risk is a little more than 1 in 3.
  • Between 1999 and 2005, the 5-year relative survival rate for all cancers was 68%, up from 50% in 1975 - 1977.
  • It is estimated that almost 1.5 million new cancer cases were diagnosed in 2009. 
(Source:  2010 Cancer Facts and Figures; American Cancer Society)

Heart Disease:

  • An estimated 81,000,000 American adults (one in three) currently lives with one or more types of cardiovascular disease.
  • About 34 seconds an American will suffer a heart attack.
  • The lifetime risk of developing cardiovascular disease after age 40 is 2 in 3 for men and more than 1 in 2 for women.
  • In 2010, it was estimated that Americans paid about $503 billion in direct and indirect costs due to heart disease.
(Source:  Heart Disease and Stroke Statistics - 2010 Update, American Heart Association)

Stroke:
  • On average, every 40 seconds someone in the United States has a stroke.
  • Stroke is a leading cause of serious, long-term disability in the U.S.
  • It is estimated that Americans paid about $73.7 billion in 2010 for stroke-related medical costs and lost productivity.
(Source:  Heart Disease and Stroke Statistics - 2010 Update, American Heart Association)

Ask yourself…if you suffered a critical illness and were out of commission for three to six months, would you be able to survive financially? If the answer is no, contact my office...we may be able to help.

 

MESSAGES from the Masters...
SETTING MEANS GETTING by Tom Hopkins

The average human being has the ability to achieve almost anything. Lack of basic capability is rarely the problem, but rather finding out what you want and being willing to sacrifice, change, and grow to satisfy the want.

In the seminars I conduct throughout the country, I teach a 20-step system of goal setting to help people achieve and I firmly believe it can be applied to all walks of life. Here it is:

1. If it's not in writing, it's not a goal. An unwritten want is a wish, a dream, a never-happen. If it's in writing, it's a commitment.

2. If it's not specific, it's not a goal. Broad desires and lofty aims have no effect. It must be concrete.

3. Goals must be believable. If you don't believe you can achieve a goal, you won't pay the price for it.

4. An effective goal is an exciting challenge. It must demand your best and a bit more or it isn't going to change your ways and elevate your lifestyle.

5. Goals must be adjusted to new information. Adjust them down if they become unbelievable or up if they're too easy.

6. Dynamic goals guide our choices. If you want it badly enough, you'll turn off the TV and get to it. Goals will show you the right way to go on most decisions.

7. Don't set short-term goals for more than 90 days. If you set a short-term goal that takes more than 90 days, you may lose interest.

8. Maintain a balance between long-term and short-term goals. Long-term goals tend to be hidden in a fog of the future, so have some short-term goals – like clothes, cars, vacations - to keep your excitement up.

9. Include your loved ones in your goals. Involve them and they'll buck you up when you need encouragement.

10. Set goals in all areas of your life. Have other goals besides career objectives.

11. Your goals must harmonize. Whenever you detect a conflict, set priorities that will eliminate the conflict.

12. Review your goals regularly. Remember, long-term goals can only be achieved if they are the culmination of short-term goals.

13. Set vivid goals. Define not only what you want but by when you want it, and concentrate on it for a few moments every day.

14. Don't chisel your goals in granite. Sometimes you have to change goals to conform to your growing awareness of what's really important in your life.

15. Reach out into the future. The idea of goal setting is to plan your life rather than taking it as it comes. Begin by setting 20-year goals. Then 10-year, five-year, 30-month, 12-month, monthly, weekly, and finally goals for tomorrow and each day for the coming week.

16. Have a set of goals for every day, and review results each night.

17. Train yourself to crave your goals. Visualize yourself possessing what you've set your goals for.

18. Set activity goals, not production goals. Activity will lead to production by itself.

19. Understand luck, and make it work for you. Expect good things to happen, and they probably will.

20. Start now. Give goal-setting two hours of concentrated focus through today. Then set aside 10 minutes a day for the next 21 days to review and revise. After that, two minutes a day and one hour a week is all it will take to keep you on track.

Try this system if you want to achieve your goals and within 21 days you'll be well on your way to an immensely greater and richer future.
 

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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. 

Published by The Virtual Assistant; © 2011 VSA, LP