7 Tips to Recover from a Financial Setback


why-meBad things happen to good people. Overcoming financial challenges – in whatever form – takes dedication, patience and planning.

In life, you will have trouble, that’s a given. This can include losing your job, going through a divorce, or experiencing a serious illness. Then there are all those unexpected expenses life throws at you. A leaky roof, flooded basement, major car repair – any one of these could cost thousand, with no time to waste and room to negotiate.

And to add insult to injury, often times, more than one of these situations occur at once. It’s fairly obvious to think that these challenges often affect your finances – so how do you recover?

Here are seven tips for getting back in track after a financial setback, as recently published in “Solutions for Financial Planning”, a periodical publication from Manulife Financial.

  1. Get Professional Advice – A professional perspective can be invaluable, no matter the size of your problem. An financial advisor can help you assess the impact on both your short-term and long-term plans, adjust your goals, and develop a plan that helps lead to recovery. Getting advice first, will help you avoid making bad decisions like, racking up a large credit card balance that could only serve to prolong your troubles. Your advisor should help you gain perspective, relax a bit and offer constructive solutions to your problem.
  2. Tighten You Budget – Your budget probably has some slack. Regardless of the cause of your troubles, it’s time to eliminate that slack and get your budget back in balance. Take a hard look at your non-essential costs. I encourage all of my clients to play a little game call “Every Dollar Has A Name” in order to find the margin in their budget. Are there free or lower-cost alternatives to the things you do on a regular basis? Borrowing books, magazines and videos from the library, activities in a local park or at a community centre, or the ever popular staycation versus expensive vacation can all help save thousands. You could even take a look at negotiating a better deal on certain products and services without cutting back.
  3. changesExplore Big-Ticket Cost Savings – If things look as if they could have a lasting impact, and a high cost, it may be time to make some significant changes to your lifestyle. Changes that go beyond simple trimming and include some of the biggest line items in your budget. Consider moving to a smaller home a more affordable area and can you make do with one car? Major changes are difficult, but they may be the key to helping protect your future.
  4. Earn Extra Income – Spending less can only go so far, can you bring in more money? Can you sell something of value like art, an antique or a collectible? Maybe you can work more hours or even take a second job. Or course, working more takes time away from other commitments and might increase certain expenses like child care. And don’t forget the tax implications of earning more income. Ask your advisor to help you run all the numbers to ensure your extra income will more than pay for those extra costs.
  5. Talk To Your Mortgage Provider – If you have a mortgage, you may be able negotiate more manageable terms. You could switch from accelerated to more standard payments or if you’ve made lump-sum prepayments in the past, you may qualify for a short-term holiday from payments. It might also be possible to lengthening your mortgage’s amortization and add any payments you’ve missed to your balance. Lastly, if you are close to the renewal date on your mortgage, a full scale consolidation and change of provider may be in order.
  6. Talk To Other Creditors Too – Don’t letting bills slide, call your creditors, explain your situation and ask to lower your interest rate or reduce your payments. Most companies recognize the value of keeping you as a customer long term and are willing to negotiate rather than take a hard line and risk losing your as a customer forever. This can give you the breathing room you need to get through the worst of a setback and help protect your credit rating.
  7. Borrow Sensibly – If you simply can’t find any more savings or increase your piggywaterincome and you’ve run through your savings, check into the lowest-cost sources of borrowing. This can usually take the form of a secured line of credit or the aforementioned consolidation loan. Your advisor can help you identify the best solution for you.

 

Recovery from a financial shock is a journey. It will likely take several months or even years to get back to where you once were. But with a little determination, patience, planning and hard work, it can be done!

As things start to improve, make sure you stick to a streamlined budget and put extra money towards your long term debts. Start building a substantial emergency fund (three to six months of expenses) so you have resources on hand the next time you hit a financial speed bump.

Once you are in a stronger position, with more a bit more margin, look at other ways to help protect yourself from future shocks, such as various forms of personal insurance including, health, dental, critical illness and disability coverage. Start to set some money aside for the future too in one of the many government sponsored tax advantaged savings vehicles like a Tax-Free Savings Account (TFSA), Registered Retirement Savings Plan (RRSP) or even a Registered Education Savings Plan (RESP).

After enough time has passed and you have recovered emotionally from the stress, take some time to look back and think about what you might have done differently. Hindsight is 20/20 so use it to your advantage. Learn from the experience, without assigning blame and make sure you’re in a stronger financial position in case another difficult situation occurs.

balancingLastly, and I can’t stress this enough, go back to the very first tip and engage the help of professional financial advisor. Strong financial advice means a strong financial future. Households with an advisor are more likely to:

  • Have enough money to live the life they want (61 per cent compared to 31 per cent with no financial plan)
  • Be able to take an annual vacation (74 per cent compared to 44 per cent with no financial plan)
  • Have enough money for splurges (65 per cent compared to 31 per cent with no financial plan)

It doesn’t “just happen.” But it does happen if you have the right plan and support.

Lauren C. Sheil is a serial entrepreneur who has been in business for over 25 years. He has operated a small farm, a recording studio and a music manufacturing plant, and has written 3 books on Economics, Ethics and Spirituality.  He has presented his ideas to business owners and leaders from all over the world. His latest book “Meekoethics: What Happens When Life Gets Messy and the Rules Aren’t Enough” is available on Amazon.com.

Mr. Sheil is currently a Financial Security Advisor and Business Planning Specialist with one of Canada’s premier financial planning organizations.  He brings to his work a passion for people and a desire to teach everyone to live life to the fullest while Eliminating Debt, Building Wealth and Leaving a Legacy.  

He can be reached at themeekonomicsproject@gmail.com or by calling 613-295-4141.

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New Book Project!


writingI’m writing again!

Okay, well the truth is I never really stopped, as this blog attests.  But I have not been nearly as active as I was in the past and I have not been working on a larger book length project for over a year.  There are a lot of reasons for this that I won’t go into right now.  Some of my reasons may become apparent as I work on this new project anyway.

For now, suffice it to say two things.

1) After I published Meekoethics I was mentally spent.  That book is deeply personal to me and digging into parts of my past that have shaped me into the man I am today took a lot out of me.

2) I ran out of things to say for a while.  It wasn’t so much writers block as it was just a lack of significant incite to add to the conversation.  I tried for a while to write about leadership but that effort felt strained.  I was reaching for something that I have very little personal knowledge of.  The work felt academic, not personal and if there is one thing I have learned its that I write best when I have some experience with the topic, some skin in the game so to speak and something personal to say about it.  I prefer to write as though I am trying to send a message to my former self and I really don’t have much to say to myself on leadership, at least not yet.

What I do have something to say about is mental health and spiritual well-being.  I won’t get into a lot of the details as to why this is my current focus now, hopefully as I work it through my reasons should become obvious.

chapter1As I did with my previous works, each time I complete a chapter I will post excerpts here for your review and comment. The following is the first such excerpt from the introduction.  Enjoy, please comment and join the conversation so that we can make this a bit of a collaborative effort.

 

Broken – Our Journey to wholeness through anxiety, pain and adversity

I met my first rape victim in 1992. At least she was the first person I knew who was open enough about it to say so.

I knew the statistics, according to the Ontario Ministry of the Attorney General Victims Services Secretariat, 39% of Women over the age of 16 have experienced some form of sexual assault.   1 in 3 women and 1 in 6 men will experience some form of sexual assault in their lifetimes.[1]

I knew, on an intellectual level at least what that meant. Even in our small town, three or four of the girls in my high-school graduating class, if it hadn’t happened already, would eventually be victims of sexual assault and although I was far from a Casanova myself at least one of the girls I had dated would eventually become a victim.

That last thought turned my stomach.

depressedgirlThe more I got to know this girl the more I realized that the scars left on her soul would likely never heal. She exhibited behaviour that I had seen before, sexual promiscuity, fierce independence, abuse of alcohol and a general liaise fair attitude in the face of some truly traumatic events in her life. I began to wonder if this behavior could point to the fact that the other girls (and a few boys too) I had seen acting in this way were also victims of sexual assault. Truthfully, I may never know but to this day I still wonder.

Eventually my encounters with this young girl began to wane as our lives moved in different directions. I haven’t seen or even thought about her in over 25 years, that was, until today. I wonder if she ever found healing. I hope so, but somehow I doubt it.

I doubt it because in the intervening years I have spent time with a number of other survivors of trauma, some of it sexual in nature and some of it not. As I’ve branched out from my relatively sheltered up bringing in a small town surrounded by a community full of “salt of the earth” type people I’ve begun to see the world in a different light.

I’ve taken off my rose coloured glasses as it were and begun to see the world as it truly is, a dark, dreary and often times, downright evil place full of fear, sadness, trauma and shame. In short, the world is broken. But it is also a world of unsurpassed beauty, a world of love, grace and healing.

This is not a book about sexual assault, although my hope is that all victims of trauma of any kind may begin to find some form of healing within its pages. This is first and foremost a book about God, His perfect plan for our lives, His deep pain at our losses and His deeper compassion for our health and mental well-being. It is a book about repairing our brokenness, healing our souls and journeying into wholeness, no matter the cause or depth of our traumas.

imageofgodDr. Greg Boyd, teaching pastor at Woodland Hills Community Church in Minneapolis Minnesota[2] during a Sunday sermon once called all humanity “infinitely valuable image bearers of the divine.” I have unashamedly stolen that phrase and use it constantly in my discussions about God’s grace with the people I encounter.

We all carry with us the image of God imprinted on our mind, body and soul. Even when we are broken, when we are sad, afraid, and full of shame, we are first and always God’s image bearers. And not just image bearers but infinitely valuable, infinitely worthy and infinitely loved by our creator.

We all carry the scars of our past, there is very little we can do about that. May the pain subside and the image of God shine through each and every one of our lives.

Welcome to the journey.

“I have told you these things, so that in me you may have peace. In this world you will have trouble. But take heart! I have overcome the world.” [Jesus, John 16:33]

 

[1] Full statistics available from the Ontario Coalition of Rape Crisis Centres www.sexualassualtsupport.ca

[2] For more information on Woodland Hills Community Church and Dr. Greg Boyd visit www.whchurch.org

Lauren C. Sheil is a serial entrepreneur who has been in business for over 25 years. He has operated a small farm, a recording studio and a music manufacturing plant, and has written 3 books on Economics, Ethics and Spirituality.  He has presented his ideas to business owners and leaders from all over the world. His latest book “Meekoethics: What Happens When Life Gets Messy and the Rules Aren’t Enough” is available on Amazon.com.

Mr. Sheil is currently a Financial Security Advisor and Business Planning Specialist with one of Canada’s premier financial planning organizations.  He brings to his work a passion to people to live life to the fullest while Eliminating Debt, Building Wealth and Leaving a Legacy.  

He can be reached at themeekonomicsproject@gmail.com or by calling 613-295-4141.

 

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Saturday Night Live vs Donald Trump


When Humor Isn’t Meant to be Funny

alecbaldwintrumpEver since Alec Baldwin created his Saturday Night Live caricature of Donald Trump and even a bit before that, the late night comedy shows have had a field day making satire out of the political landscape. Of course late night comedy has always gotten laughs through satirical commentary so why should things be any different now? I vaguely remember Dana Carvey’s caricatures of George Bush in the early 90s which rumor has it President Bush himself made it a point to watch so that he could take a moment to laugh at himself.

There is something honestly refreshing about our ability to look at serious issues with a bit of humour. It’s healthy too. Dr. Avner Ziv, chair of the educational sciences department at Tel Aviv University has written extensively on the psychology of humor as an aid to education. His 1984 book “Personality and a Sense of Humor” is his most cited scholarly work on the subject and contains a large section on the purpose of humor in public discourse.

Less serious and self-involved people have held that things might be changed by a less tedious approach – that is, by means of humor. Humor exposes ugly human phenomena (those that render the world almost unbearable) to mockery, in the hope of thereby eliminating them. Man makes a mockery of man. In his efforts at changing and improving mankind, man turns matters he thinks grave into absurdities. He does this sometimes with delicate casualness, sometimes with disrespect, and sometimes with ferocity. The laughter that derives from the perception of absurdity reforms the world. [Avner Ziv – Personality and a Sense of Humor]

For this type of humor to work it must be delivered as broadly as possible. Originally theatre was the means to deliver humorous political commentary today we have the late night comedy show.

thatresatireThe English playwright, Ben Jonson described comedy as an educational instrument its goal is not to make us laugh but to arouse in us a form of moral outrage that leads us to improvement. The French novelist Stendhal concluded that the main aim of comedy is to expose people to mockery. The person who is the object of ridicule may be able to accept a reasoned rebuke without making significant changes, “thanks for the input but that’s just your opinion”, they may say. But that same person may not bear to be laughed at. Just before he died Charlie Chaplin said in an interview that the function of comedy is to sharpen our sensitivities to the perversion of justice.

We are entering a time when politicians seem hyper sensitive to this type of humor. Why, in contrast to former president Bush does Donald Trump refer to Saturday Night Live as “over-rated”, “unfair” and “biased”? Why did a prominent Texas republican senator who once likened president Obama to a Nazi recently say that we need to show more respect to the new president?

Why indeed?

Mockery and satire are the final frontier of political debate. As government becomes more totalitarian descent must become more direct and mean spirited.

Comedy is generally received in a friendly spirit. Satire is not. Its victims fear it as a threat to their power and position. Thus in totalitarian countries satire directed against the ruling powers is banned, and any manifestation of satire earns harsh punishment. [Avner Ziv – Personality and a Sense of Humor]

freespeachWhile most western democracies are a long way from a curtailing freedom of speech it is clear that there is a large contingent of politicians and citizens across the political spectrum who either feel that their only recourse is mockery or that they are being unfairly attacked. As we stand on the threshold of the Trump administration we would all do well to remember that governments do themselves a disservice by prevent or complaining about humor against themselves. Laughter is a safety value for the release of tension and one that should point the ruling party toward what the masses are really thinking. When they ignore it, seek to oppress it or complain too loudly about it they do so at their own peril.

I’m not laughing at any of this political satire anymore. I don’t find it funny in that way, it is very serious and the reaction that Mr. Trump has had to it is downright horrifying. Satire is not meant to illicit laughs it is meant to spark debate in a society where reasoned discourse has been oppressed.  When president Trump consistently complains that his detractors are “over-rated” and “sad” he is doing nothing to advance his agenda or enhance his image, he is fanning the flame. By attempting to discredit his detractors in this way the feelings of hostility will likely continue to increase. As these feelings build up they will create a kind of “pressure cooker” which will explode in time. Without satire and the laughter it invokes this hostility might be demonstrated in far more violent ways.

During the Obama administration we saw the advent of the Occupy Movement, a largely peaceful protest directed at the banks and other large institutional elites. Obama met the concerns of the masses with reasoned discourse and eventually helped temper their fears through the democratic process. I fear that unless the politicians start listening to each other again and learn to laugh at the satirists rather than seek to oppress and discredit them, the next time won’t be so peaceful.

Lauren C. Sheil is a serial entrepreneur who has been in business for over 25 years. He has operated farming operations, a recording studio and a music manufacturing plant, has written 3 books on Economics and Christian Ethics and presented his ideas to business owners and ministry leaders from all over the world. His latest book “Meekoethics: What Happens When Life Gets Messy and the Rules Aren’t Enough” is available on Amazon.com.

Mr. Sheil is currently a Financial Security Advisor and Business Planning Specialist with one of Canada’s premier financial planning organizations.  He is passionate about helping entrepreneurs to live life to the fullest while Eliminating Debt, Building Wealth and Leaving a Legacy.  

He can be reached at themeekonomicsproject@gmail.com or by calling 613-295-4141.

Under pressure – 3 steps to making things better


Money worries are never far from mind – but did you know they can also affect your health?

Whether it’s a looming deadline at work or a race to get out the door on time, we all get stressed sometimes. But too much stress can be overwhelming – and according to the Canadian Mental Health Association, chronic stress can have an impact on our lives. Being stressed out affects our ability to concentrate and our self-confidence. It can even lead to sleep difficulties, headaches and more frequent illness.

While plenty of things in life may cause us to feel stressed, one of the biggest culprits is money. Before I faced facts and went bankrupt in 2005 I was losing a lot of sleep and it seemed like the headaches would never go away.

And far from just anecdotal, the evidence is strong. According to a national survey by the Financial Planning Standards Council, 42 per cent of Canadians now rank finances as their number-one source of stress. That’s not surprising when you consider how financially stretched we are. As we work to save for retirement and pay for our kids’ education, we’re also dealing with more debt than ever before. As I have noted many times, for the first time in our 147 year history, Canada’s consumer-debt-to-income ratio (total household debt compared to disposable income) topped 163.3 percent in 2014 as we take on debt to pay for homes, cars and vacations.

And these money worries are affecting our health. A recent study but Manulife and Ipso Reid shows that financial stress can take a toll on our mental and physical well-being – and even affect us on the job. Here are a few key findings:

  • 76 per cent of those who report high stress levels say the state of their finances is partly or entirely to blame.
  • Highly stressed individuals are significantly less likely to be motivated to do their best at work or feel they have a healthy work-life balance.
  • Those who are very comfortable with their current financial situation are almost twice as likely to say they are very happy and are 1.5 times more likely to report that they are in good health. They are also more likely to be exercising regularly.

While being in poor financial shape can cause a lot of anxiety, (I know, I’ve been there), the good news is there are ways to help fix it. In fact, making improvements to your financial health can have a positive impact on your personal well-being. If you’re feeling stressed because of money issues, here are three steps you can take to help make things better:

 

  1. Face it. Finding money to contribute to your retirement savings or dealing with a drawer full of unpaid bills can seem like monumental tasks. Even today, over a decade later I struggle with this one, it’s easy to set your bills aside and forget about them, especially if you don’t have the money right now. But if I don’t stay on top of my bills I know that there will be a painful reckoning in the not too distant future. The longer you ignore your financial situation, the worse your stress is likely to get. Facing the issue is the first step towards improving matters and alleviating your stress. Open up to your spouse, your advisor and others who can help you take control of your finances. Once you know what you’re dealing with, you can begin to tackle the issue head-on.
  2. Make a plan. Having a concrete strategy in place, such as a debt repayment plan, can help you feel more positive and in control of your future. I can work with you to assess your goals and put together a step-by-step plan to achieve them. Step one of my six steps to financial freedom is Dominate Debt.
  3. Have fun. Whether it’s a walk in the park or a nice dinner at home, make room for relaxation and fun. Laughter and friendship are excellent stress-busters. Find low-cost or free ways to let off some steam and enjoy life.

Remember: your finances don’t have to drag down your health. If you address your money worries, you might just find you have a lot more to be positive about than you thought. In fact, talking to someone and taking steps towards financial wellness can lead to a happier and healthier you.

Contact us today and start taking control of your finances for a better tomorrow.  Or as I say around here nearly every day, “Take Action Today That Your Future Self Will Thank You For.”

The Blasphemy of Earthly Government


…but they have rejected me as their king. As they have done from the day I brought them up out of Egypt until this day, forsaking me and serving other gods, so they are doing to you. Now listen to them; but warn them solemnly and let them know what the king who will reign over them will claim as his rights. [1 Samuel 8:7-9]

kingonthroneThe first thing we must recognize is that human government is not part of God’s original design. When the Israelites requested a King, “such that all the other nations have” [1 Samuel 8:5] it greatly grieved God. God’s chosen people were to be set apart from all the other nations, not conformed to their ways. God’s design involved priests and temple attendants but not a king. God was and still is the ultimate ruler. In this way the Israelites were to show submission to His rule and act as stewards of His creation. It is clear to me from a careful reading of 1 Samuel 8 that God granted Israel at King reluctantly and not without issuing a strong warning about what that could potentially mean for their future.

As Christ-followers and “new Kingdom” theists part of our mission is to help establish God’s Kingdom on earth. In many ways that would be a return to his original design where God is the King and we are his subjects. But because we are suspended here in the world of “promised but not yet”, how are we to live under the rule of a worldly government that does things we may not agree with, and how are we to influence the decisions of that government in a way that reflects God’s will for our lives and our society?

That’s the million dollar question, the answer to which I have come to call the “two kingdoms” mindset. We live in one kingdom, the worldly government and society we are a part of while serving another kingdom, the Kingdom of Heaven.  Jesus said we cannot server two masters, we have to pick one and we should obviously pick his.

But how do we live that out?  It’s certainly not going to be easy.  Part of how we can start to do it is explained in Roman’s 13.

Let everyone be subject to the governing authorities, for there is no authority except that which God has established. The authorities that exist have been established by God. Consequently, whoever rebels against the authority is rebelling against what God has instituted, and those who do so will bring judgment on themselves. For rulers hold no terror for those who do right, but for those who do wrong. Do you want to be free from fear of the one in authority? Then do what is right and you will be commended. For the one in authority is God’s servant for your good. But if you do wrong, be afraid, for rulers do not bear the sword for no reason. They are God’s servants, agents of wrath to bring punishment on the wrongdoer. Therefore, it is necessary to submit to the authorities, not only because of possible punishment but also as a matter of conscience. [Romans 13:1-5]

tanksI have to admit, this passage has given me more than one sleepless night. Taken out of context it appears as though Paul is saying that no matter what the governing authorities do they are doing so with God’s tacit approval and any type of civil disobedience or protest is sinful. It also appears as though Paul is giving God’s blessing to all sorts of violence and war mongering and oppression as long it is done by the government, they are his servants after all, right? But nothing could be further from the truth.

Thankfully, because I can count, I know that Romans 13 comes after Romans 12. So if we are reading scripture in its own context this passage follows in the heels of this:

Love must be sincere. Hate what is evil; cling to what is good. Be devoted to one another in love. Honor one another above yourselves. Never be lacking in zeal, but keep your spiritual fervor, serving the Lord.  Be joyful in hope, patient in affliction, faithful in prayer. Share with the Lord’s people who are in need. Practice hospitality.

Bless those who persecute you; bless and do not curse. Rejoice with those who rejoice; mourn with those who mourn. Live in harmony with one another. Do not be proud, but be willing to associate with people of low position. Do not be conceited.

Do not repay anyone evil for evil. Be careful to do what is right in the eyes of everyone. If it is possible, as far as it depends on you, live at peace with everyone. Do not take revenge, my dear friends, but leave room for God’s wrath, for it is written: “It is mine to avenge; I will repay,” says the Lord. On the contrary:

“If your enemy is hungry, feed him;
if he is thirsty, give him something to drink.
In doing this, you will heap burning coals on his head.”

Do not be overcome by evil, but overcome evil with good. [Romans 12:9-20]

Did you see it? Romans 12: 19, “leave room for God’s wrath, it is mine to avenge; I will repay.” After concluding his thought on what our role is, to live peacefully with everyone, Paul goes on in Romans 13 to talk about how God can use worldly governments and institutions to punish those who do wrong.

feedinghungrypeopleIn short, according to Romans 12, it is the role of the Christ-follower to sincerely Love one another, serve the Lord, share with those in need, bless those who persecute you, be willing to associate with those of low position, be careful to do what is right, live at peace with everyone, serve even your enemy and over-come evil with good. God’s role is to use whatever human construct he has at his disposal to exact punishment on the evil doer, he can even use worldly governments that do not serve him in any meaningful way.

The danger in reading Romans 13 in isolation is that we may begin to think that it is somehow our job to help God by working for or influencing the government for his purposes. Nowhere in Romans 13 does it say that Christ-followers are to be involved in government and serve the earthly kingdom in any way. On the contrary we are to be submitted to it, no matter how evil, because God may decided to use it for his purposes, but if we are doing what is right, as spelled out in Romans 12, we will have more than enough work to do without being involved in the earthly government and nothing to fear from what any evil or neutral government may do. That’s their business and God’s job.

In the end earthly kingdoms are in a sense blasphemy. Setting anyone or any system up as ruler in place of God is nothing more than blasphemy.

Right from the start, God made it clear to the Israelites that by asking for a king they were rejecting Him as their ruler. The first century Christians knew that in order to bring about the promised Kingdom of Heaven, all earthly kingdoms would one day have to pass away. There is no point in working for a dying institution. If you want to influence the world for God’s purposes and the Kingdom of Heaven, you don’t do it from within the early kingdom, you work to establish a new kingdom, a new heaven and a new earth. That’s what the church, at her best is called to be.  And that’s just one more reason why I believe the only true calling of the Christ-follower is the calling to live a life of pacifism.

 

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Houston – You Have A Problem!


houstonLet me say it again – You have a problem!

Everyone who has ever lived, currently living and will ever live has the same problem.

There is no solution to this problem.

But there is a way to make it seem a little less scary and a little less painful for the people around you, the people you love and the people who depend on you to solve the problem.

What is this unsolvable, 100% unavoidable problem?

 

 

You’re going to die!

Probably not today and probably not tomorrow, hopefully maybe not for a very long time, but the probability that you will die is 100%. There is no cure coming for the end of your life. There are no research labs, no doctors and no scientists working on a cure for death. Sure they are trying to figure out ways to combat certain diseases and we are all living longer but that just creates another problem, the problem of outliving your money.

But one problem at a time.

Everybody dies. That’s a fact.

I cannot solve this problem. No one can. But we can make it a little less painful for you and the people you love.

How?

Insurance!

Life Insurance to be exact. But let’s be clear, you actually don’t need life insurance. You don’t need it because it’s not about you. Simply put Life Insurance is money for your loved ones when they need it the most.

Money when they are hurting, your income suddenly stops, your debts come due and you are no longer there to do all the things you do to keep your family safe and secure.

coupleattableLet’s be honest, money can’t replace everything you bring to this world. It can’t hold your partner’s hand and tell them everything is going to be all right. It can’t drive your kids to hockey practice, give them dating and career advice or make a toast at their wedding. But it can make sure your family gets as close to a normal life as possible if the unthinkable happens.

Money can ensure a measure of stability, help your kids get an education, find happiness and have families of their own.  And that’s the ultimate goal right?

So I’ll say it one last time – You have a problem!

There is no real solution to your problem. But you can at least make it a little less painful for the people you love.

My name is Lauren C. Sheil. I’m a Financial Security Advisor. And my mission is to help you solve your money problems. I want to help you live life to the fullest, even though all good things must come to an end, and to teach you live debt free, build wealth and leave a legacy.

Call or text me today for a FREE, no obligation consultation: 613-295-4141

Let’s solve some problems.