Bay State Insurance Agency Limited 
"Your Safe Money Team"
 Newsletter   
  
March 2014  
 
 

 

Greetings! ,             
 
It's March and you know what they say, " It comes in like a lion and goes out like a lamb."  If you believe this old saying, we will all be enjoying warmer weather by the end of the month.

The month of March is  also time for Shamrocks, Leprechauns  and the Luck of the Irish.  But we believe luck is not created by chance.  Luck is created by the choices you make each day and the positive steps you take toward your goals.

"When it comes to luck you make your own"
Bruce Springsteen 
 Lucky Town  
 

10 Choices You Will Regret In Ten Years
"If Only"... These two words paired together create one of the saddest phrases in the English Language.
.

Here are ten choices that ultimately lead to this phrase of regret, and how to elude them:

 

1. Wearing a mask to impress others. - If the face you always show the world is a mask, someday there will be nothing beneath it.  Because when you spend too much time concentrating on everyone else's perception of you, or who everyone else wants you to be, you eventually forget who you really are.  So don't fear the judgments of others; you know in your heart who you are and what's true to you.  You don't have to be perfect to impress and inspire people.  Let them be impressed and inspired by how you deal with your imperfections.

 

2. Letting someone else create your dreams for you. - The greatest challenge in life is discovering who you are; the second greatest is being happy with what you find.  A big part of this is your decision to stay true to your own goals and dreams.  Do you have people who disagree with you?  Good.  It means you're standing your ground and walking your own path.  Sometimes you'll do things considered crazy by others, but when you catch yourself excitedly losing track of time, that's when you'll know you're doing the right thing.

 

3. Keeping negative company. - Don't let someone who has a bad attitude give it to you.  Don't let them get to you.  They can't pull the trigger if you don't hand them the gun.  When you remember that keeping the company of negative people is a choice, instead of an obligation, you free yourself to keep the company of compassion instead of anger, generosity instead of greed, and patience instead of anxiety.

 

4. Being selfish and egotistical. - A life filled with loving deeds and good character is the best tombstone.  Those who you inspired and shared your love with will remember how you made them feel long after your time has expired.  So carve your name on hearts, not stone.  What you have done for yourself alone dies with you; what you have done for others and the world remains.

 

5. Avoiding change and growth. - If you want to know your past, look into your present conditions.  If you want to know your future, look into your present actions.  You must let go of the old to make way for the new; the old way is gone, never to come back.  If you acknowledge this right now and take steps to address it, you will position yourself for lasting success.

   

6. Giving up when the going gets tough. - There are no failures, just results.  Even if things don't unfold the way you had expected, don't be disheartened or give up.  Learn what you can and move on.  The one who continues to advance one step at a time will win in the end because the battle is always won far away and long before the final victory.  It's a process that occurs with small steps, decisions, and actions that gradually build upon each other and eventually lead to that glorious moment of triumph.

 

7. Trying to micromanage every little thing. - Life should be touched, not strangled.  Sometimes you've got to relax and let life happen without incessant worry and micromanagement.  Learn to let go a little before you squeeze too tight.  Take a deep breath.  When the dust settles and you can once again see the forest for the trees, take the next step forward.  You don't have to know exactly where you're going to be headed somewhere great.  Everything in life is in perfect order whether you understand it yet or not.  It just takes some time to connect all the dots.

 

8. Settling for less than you deserve. - Be strong enough to let go and wise enough to wait for what you deserve.  Sometimes you have to get knocked down lower than you have ever been to stand up taller than you ever were before.  Sometimes your eyes need to be washed by your tears so you can see the possibilities in front of you with a clearer vision again.  Don't settle.

 

9. Endlessly waiting until tomorrow. - The trouble is, you always think you have more time than you do.  But one day you will wake up and there won't be any more time to work on the things you've always wanted to do.  And at that point you either will have achieved the goals you set for yourself, or you will have a list of excuses for why you haven't.

 

10. Being lazy and wishy-washy. - The world doesn't owe you anything, you owe the world something.  So stop daydreaming and start DOING.  Develop a backbone, not a wishbone.  Take full responsibility for your life - take control.  You are important and you are needed.  It's too late to sit around and wait for somebody to do something someday.  Someday is now; the somebody the world needs is YOU.

 

-------------------------------------------------------------- 

 

"Of all the words of mice and men,

the saddest are, It might have been."

Kurt Vonnegut 

 

Imagine!
Making a Wise Choice
The Social Security decisions you and your spouse make when you are in your early 60's will determine the amount of total income you will receive over your lifetime.  Including the lifetime of the spouse who lives the longest.

Imagine receiving $100,000 more in Social Security Retirement Benefits.  That's a lot of money.

But the fact is, a wise claiming strategy may produce that much or even more.  Now's the time to learn about how to maximize your Social Security Benefits. Consider allowing us to help you create a wise retirement strategy.

Watch the movie:

Good Decisions:  Getting the Most From Social Security

www.mzimmer.sswise.com


Adding Some Zip To Your Retirement Plan
One of our major insurance carriers currently has a Fixed Annuity Rate offering more than TRIPLE what CD Rates are Paying. 

With an initial premium of $200,000 or more you can earn 2.50% guaranteed for five years.
Don't have over $200,000?  You can still earn a guaranteed rate of 2.30% for five years.

Compare those interest rates to your Bank's 5 year CD.

Now that's a way to add some ZIP to your Retirement Plan.
    
Sincerely,
 

Mike & Rebecca


Mike Zimmer & Rebecca Thacker
Bay State Insurance Agency Limited

 
410-758-1680
1-877-411-3702 
 
"Your Safe Money Team"
In This Issue
10 Choices You Will Regret...
Imagine
Adding Some Zip To Your Retirement Plan
A Silver Lining For Your Retirement
With Our Thanks

______________________________________

Quick Links

  
(Our New Social Security Website)
 

www.yoursafemoneyteam.com 
 
 

Individual Health Insurance




_____________________________________



It's All About YOUR  Attitude!















_______________________________ 
   
 
A Sliver Lining for Your Retirement Account

If you transfer your IRA's, Annuities, old 401(k)s, or any other retirement account to us, one of our major insurance carriers will guarantee you an immediate 10% premium bonus; 
 
                   $50,000 becomes $ 55,000

                 $100,000 becomes $110,000

                 $250,000 becomes $275,000 
  
  
In addition to your premium bonus, for folks age 40 and above, how would you like to learn how you can add an income rider with a guaranteed 6.25% income growth for up to 10 years with an option to extend for an additional 10 years.  This is not a prediction, this is a guarantee.  You simply need to take a lifetime income.
  
Isn't it time you stop gambling in the risky stock market and get a good night's sleep? If you would like to have guaranteed growth and an income you can count on, give us a call at 410-758-1680 to learn how to earn more.

___________________________________ 


  

                  
Thanks to those you have served,
who do serve, and
most of all,
to those who have made the ultimate
sacrifice in service to America.
 
Let Freedom Ring.   
  
             
  


 

 

 ________________________




Thanks to YOU the word is spreading.  Thanks to all of our clients and friends who graciously referred us to their friends and neighbors last month!  There's no question we have the BEST clients on the entire planet.

 

Our business is built on word of mouth advertising and we would like to thank everyone who has been kind enough to recommend our services

to their friends.

 

We promise to treat your friends just like we treated you, with respect and understanding.  We promise to always do what is right for our clients. 

 
 

____________________________________

  

 

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 complete information, please contact our office at 410-758-1680

 or 1-877-411-3702.  

  

  

_______________________________________