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The Lifeguard Alert
February 2014 

In this Issue:
Thinking About Hiring a Personal Trainer? 
Over-Looked Tax Breaks 
Ask an Agent 

Thinking about Hiring A Personal Trainer?

Going to the gym, jogging or sweating to a Zumba video can be a rewarding experience. But are you getting all the benefits your body needs? For many people, hiring a skilled personal trainer may be a better solution..

There are many reasons to justify the expense:

1. Trainers are Excellent Goal-Setters

Let's face it, we all have some sort of body agenda. Whether it's "building this up" or "trimming that down," as opposed to relying solely on ourselves, a good trainer can be there to help you create and attain (within reason) the body you've always wanted.

2. Trainers Provide Motivation

Trainers know how people have a tendency to slack off, so they have a vested interest in making sure you not only reach your goals, but that you're actually accountable for them. This is much more effective than depending on a spouse or friend, who may be going through issues of their own.     

3. Trainers Are Experts in Muscle Mechanics     

No sense in targeting a muscle group by doing the wrong exercise. You could be wasting your time, or worse, risking serious injury. A good personal trainer will watch closely to ensure that you are doing the exercises properly to maximize your end results and target your intended muscle groups.

4. Trainers Will Push You, But Not Break You     

Unlike when you may feel you've had enough (possibly not completing your workout,) a good trainer knows when you've reached your limit. Given that you're paying for this coach, you can now benefit from alternative exercises, that only he or she can show you, that may get you there with less pain, more gain and perhaps more fun than you've ever experienced.                      

5. Personalized, Custom-Made Workouts

Whether it's getting you in the right frame-of-mind, increasing your lung-capacity or busting out those biceps, your trainer will set up a schedule, and special exercises, just for your particular body-type. This is also beneficial since it prevents you from becoming stale by doing the same movements over and over.

There are many other reasons to explore personal trainers. The bottom line: if you really want to look and feel the very best you can, there is simply no better way.

See our new Classified section! If you have a product or service to provide, join our growing list of professional advertisers. It's free. Certain rules apply.  

"When there is an income tax, the just man will pay more and the unjust man will pay less on the same income." Plato

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Over-Looked Tax Breaks

Our Uncle Sam is constantly cutting out many historical, and favorable, tax breaks. Be sure to capitalize on the ones still available, while you still can.

Here are some tools you can use to fight back!

1. State Sales Taxes
Some assume that this tax break expired ... and it does regularly ... but only to be congressionally reinstated. For our 2013 returns, however, we're good to go!

2. Out-of-pocket charitable deductions

It's hard to overlook the big charitable gifts you made during the year, especially when you pay by check or payroll deduction, but what about the out-of-pocket donations you make at the grocery store or the time you put in with charities (not to mention mileage, and the foods and gifts you prepared for them.) This can all add up, and most of it may be deductible..  


3. Job-hunting costs

Millions of unemployed Americans were looking for a job in 2013. So hopefully you kept track of your job-search expenses ... or can reconstruct them. If you're looking for a position in the same line of work, you can deduct job-hunting costs as miscellaneous expenses if you itemize.


Want more write-offs? There are 18 other areas to avoid unnecessary taxes! Just one may save you lots and lots of cash. Click the link below.   


21 Ways to Save on Taxes 



Ask an Agent

Q: My mother is getting frail and needs to have professional care. I can't do it anymore since I don't have nursing skills and will soon have to move across country for a new job. Is there any way to cash in her life insurance policy for this?
                                                                                                         -Sandra D, San Jose, CA
A: You may not believe this, but that's one of the things more and more people are doing. It's either that or coming out of pocket with thousands of dollars each month for care.

Just last year, Congress introduced legislation that would give chronically ill patients the opportunity to turn their life insurance policies into cash for their care. If your mother currently owns a life insurance policy; whether it be a term or permanent one, she can agree to trade it in for a Long-term Care Benefit Fund. With this fund, she'll never have to pay any more life premiums and she's practically guaranteed a per-determined amount (based on her health and the current death benefit of the policy.)
There are no fees to do this, and she can use the money for any form of long-term care (in-home, assisted living or nursing care.)

For more information on this benefit, please contact us by phone or email.

Kal Reece, Owner of Lifeguard Insurance Services
Enjoy the Show!

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Lifeguard Insurance Services
               Planning for Life

2350 6th Ave. PH 9C, San Diego, CA 92101

Direct: 619.779.3264   
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Mortgage Services -----------------------------------------------------------------------------------------------------------------

Pay off 
your mortgage
in 10 years, or less. No additional money needed. 100 year old, proven technique. Save hundreds of thousands in interest payments, eliminate credit card debts and retire with more.
Call Kal Reeece at 619.779.3264, or email 

Home Loan Services --------------------------------------------------------------------------------------------------------------


Brett Tyson, Sr Loan Officer at National Residential Mortgage.  Whether your looking to save money on your current mortgage, utilize the equity in your home or simply qualify to purchase your first home, Brett has the right program for you.  

For a free mortgage review or pre- qualification contact him at 858-373-7280 or email at




Legal Services -----------------------------------------------------------------------------------------------------------------------

Joshua Bonnici, managing attorney at Bonnici Law Group, has been helping San Diegans with personal injury claims since 2008, and has recently opened his own office focusing on quality representation and customer service. 
For a free consultation, email him at:

Real Estate Services --------------------------------------------------------------------------------------------------------------

Rich Rechif, Managing Broker of Balboa Real Estate Group, has a diverse background in real estate development and finance.  He helps Real Estate buyers make sound investments, and sellers get top dollar for their properties. Call now, and discover how we can put the numbers on your side.