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 Results
"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

"Stop talking about the problem and start thinking about the solution." -– Brian Tracy

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

"Always focus on accomplishments rather than activities." -- Brian Tracy

"There are some things you don't have to know how it works – only that it works. While some people are studying the roots, others are picking the fruit. It just depends on which end of this you want to get in on." -– Jim Rohn

"As we act 'right,' our right results are guaranteed." -– Mark Victor Hansen

"The reward of a thing well done is to have done it." -- Ralph Waldo Emerson


  Estate Ideas

Do I Need a Will? 

What Is a Will?
The most basic estate planning tool, a will is the legal document that states the actions you wish to be taken after your death in regard to:
  • the disposition of your property;
  • the guardianship of your minor children; and/or
  • the administration of your estate
Do You Need a Will?

If you have a spouse, children and/or property, the answer is most definitely YES!

The alternative is to allow the state in which you reside to determine:

  •  how your property will be distributed among your heirs, including who those heirs are;
  • who will serve as the guardian of your minor children; and/or how your estate will be administered.
Who Can Make a Will?

State statute determines who can make a will.  Generally, you must be "of age," as defined by state law, and of sound mind.  In addition, state law generally requires that your will be written, signed and witnessed by a required number of witnesses.


While you can draw your own will, the preparation and execution of this important legal document is generally best left to an attorney.

Your estate plan, including wills, trusts and life insurance, should be periodically reviewed to ensure that it continues to meet your needs and objectives.

 

MESSAGES from the Masters...
PERSISTENCE by Les Brown

I believe there are three kinds of people. There are winners, who know what they want and understand their potential and the possibilities. They take life on. Next are losers, who don't have a clue as to who they are. They allow circumstances to shape their lives and their self-image.

I believe there is a third group as well. This consists of potential winners whose lives are just slightly out of alignment. I call them wayward winners. It may be that they just need to learn how to be real winners. Perhaps they've hit a bump or two that has knocked them off course and they are temporarily befuddled. A failed relationship, a lost job, financial problems, unformed goals, a lack of parental support, illness...many things can send us off course temporarily.

Wayward winners are not lost souls; they just need some tweaking and coaching and nudging to get them back on course. A map might be nice. Many of these wayward winners are easily identifiable because they are always searching.

Right now, there are many wayward winners out there braving rain, sleet and snow because they too still believe that they have untapped talents. They attend motivational seminars and listen to inspirational tapes and they plunge onward, believing that sooner or later they will find their way again.

Other wayward winners have temporarily given up. They are damaged and disoriented, their confidence badly eroded. They tend to drift through life numbly. The friends and relatives and loved ones of wayward winners see that they are out of sync and wonder why they can't be satisfied, why they don't settle down. They wonder how people who have such obvious abilities and great potential can be so disoriented and unsure.

It is difficult for others to understand the rawness of a broken heart or the aching emptiness of an unguided spirit. You and I know. We have been there. Wayward winners know that there are possibilities out there, but too often they feel locked out from them. Some are afraid to risk any more because of what they have risked and lost already.

I know now that as difficult as it may be for you wayward winners to do, it is necessary to continue to test yourselves. Even though you have been hurt before, it is the only way to grow. We all have the capacity to change, to lead meaningful and productive lives by awakening our consciousness.

You know there are going to be tough times as you go about changing your life, so brace yourself and you will be able to handle them. When you get into your seat on an airplane, what is the first thing they tell you to do? Fasten your seat belt. Brace yourself for the turbulence.

When you decide to move your life to the next level of accomplishment, you must fasten your mental and spiritual seat belts because it is going to be a while before you reach that comfortable level again. You will reach it, but you must endure the turbulence of change in order to grow.

Try this technique to help you through the difficult times of change and growth. Find four reasons why you cannot succumb to your fears and your troubles. Find those deep sources of motivation that can lift you out of the turbulence and above the clouds. You must change your life because, for example:

You have not yet tapped the talents given you. 
You want to leave something more for your children. 
You want to live life rather than letting life live you. 
You want to do what makes YOU happy. 

It is in these rocky early moments of bringing change to your life that you discover who you are. In the prosperous times, you build what is in your pocket. In the tough times, you strengthen what is in your heart. And that is when you gain insight into yourself, insight that leads to self-mastery and an expansion of your consciousness as a life-force in both your personal and professional lives. 
 

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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