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I am 40, I Already Have Some Life Insurance and Don’t Need More

February 14, 2012 by

Maybe, maybe not. The question is, do you have enough to cover your needs? The obligations you had at age 30 are likely still there. Plus, as you’ve progressed in your career you may now have a higher income level and lifestyle that you need to protect.

Experts recommend having enough life insurance to replace income for 7 to 10 years. To meet that recommendation, the typical married couple would need to double its current coverage according to a recent study by LIMRA.

There are more things that can and do go into a calculation on how much life insurance a family needs, the 7 to 10 years is a very basic formula. If you currently have more than 7 to 10 years of income in life insurance protection, you are probably covered appropriately. If you have less than that, it would be worth the time to look into your options.

Call me at 919-943-5577 or e-mail me at nancy.j.williams@mwarep. org if you are interested in reviewing your current coverage and your needs. Please also visit my site at www.healthinsuranceraleighnc.com.

Nancy Williams’s Posts – The 919 Business Network – Local Business Networking

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38 “NEVER ASK” Interview questions. And Inc.com Asks, “What are some bad job interview questions”?

January 24, 2010 by

Besides the obvious, what have been some BAD interview questions you’ve either been asked or have asked to a potential new hire? Check out my answer on Inc.com’s “AskInc”



The Washington Post also provided a nice list of some not so obvious (well some are) questions you should avoid asking (A good background check, application form will often answer many of these questions!) We know the usual suspects but are you aware of these?



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1. How do you feel about attending conferences with (men) (women) ?

2. What child care arrangements have you made?

3. What type of position does your spouse have?

4. Do you think that you can supervise (men) (women), and how do you think they will react?

5. This job has always been handled by a (female) (male). Do you think you can handle it?

6. Are you willing to put career interests before self-interests?

7. What are your computer skills? Would you be interested in doing some word processing?

8. How do you feel about women’s liberation?

9. By the way, would you mind telling me: “Just how old are you?”

10.How do you respond to authority?

11. How do you define sexual harassment?

12. Where were you born?

13. What’s your nationality?

14. Are you married, divorced, separated, or single?

15. Are you living with anyone?

16. What holidays do you celebrate?

17. Do you have any disabilities that affect your work?

18. What is your health situation like?

19. Have you ever been arrested?

20. Are you on any medications?

21. Do you ever abuse alcohol or drugs?

22. How many children do you have?

23. What church do you attend?

24. How do you think my older employees would react if I hired you?

25. Do you have many debts?

26. Do you own or rent your home?

27. How much insurance do you have?

28. How much do you weigh?

29. Do you plan to have any more children?

30. What does your spouse think about your career?

31. Have you ever brought a law suit against an employer?

32. Have you ever filed for workers’ comp?

33. Where do you usually go on vacation?

34. What do you think about romance in the office?

35. Have you ever been sexually harassed?

36. Do you have plans to get married?

37. Tell me about your family.

38. Are you able to work overtime, evenings and weekends?
Katrina M Harrell-Biz Strategist’s Posts – 919 Business Networking – Local Business Owners & Professionals

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Do I Sell My House before Applying to Graduate School? Some Tips to Help your Decision

January 10, 2010 by

Planning to go back to graduate school is big step to further your career.

For people who have been working and currently own a home, townhome or condo, the possibility of moving needs to be considered before you go back to school.
 

 

Top Reasons

The top 2 reasons graduate school students consider selling their home are:

1) Moving closer to school or

2) Cut costs and lower maintenance responsibilities

 

 

Consult with your local real estate professional to assess your options. If selling or renting your current home is an option, you need to know the details about how that process works and if it would fit in your overall plan for the next few years.

Remember that qualifying for a mortgage will change once you change your current job or if you don’t have income while you are in graduate school.

 

Questions to Consider

 Here are 3 questions to ask yourself to plan your housing while you are going to be in graduate school:

1) Is your current home too much for you to manage while you are committed to graduate school? (include home maintenance items that occur seasonally such as cleaning gutters, shoveling snow and mowing the grass)

2) Will you likely relocate out of the area once you earn your graduate degree?
3) Are you thinking you might open your own business after finishing graduate school?

 

Possible Solutions
Some possible solutions for upcoming graduate students include the following:

1) Rent your current home
2) Get a roommate

3) Refinance your mortgage to get a fixed interest rate or lower your mortgage payments

4) Sell your home and rent while in graduate school

5) Sell your home and buy a property close to school that could become a rental property when you finish school

Remember that consulting professionals is key in making the decision of whether to sell your home before applying to graduate school.  A real estate professional, accountant or CPA, and a mortgage lender can give you valuable insight on how this process can be made easier.

 

 

 

Amy Shair, REMAX Real Estate’s Posts – 919 Business Networking – Local Business Owners & Professionals

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The Holiday Social! So who will share some stories?

January 29, 2009 by

I for one would love to hear some stories of what you enjoyed at the Holiday Social that Dancing Elephants so graciously hosted for inSide919!

Anyone want to share?

I had a 6pm presentation in Raleigh, only my second one on the topic, and so at the last minute just cut myself some slack so I was more prepared for the presentation. I would have liked to come and meet in person those of you I’ve followed, greeted and missed online.

So how about it? Tell us what fun you had! Tell us how meeting on this network has helped you – even if it’s not all about business! Or even if it is!

I’m going to be doing some writing about inSide919, and if you give me some good stories, I might be able to include your business. No promises, but lots of possibilities.
Anora McGaha’s Posts – 919 Business Networking – Local Business Owners & Professionals

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Road Rage – Can I Offer Some Advice?

January 6, 2009 by

A couple of thoughts crossed my mind today after reading Leslie Flower’s blog about the enraged driver who followed her and eventually stopped behind her at a traffic light, got out of his truck and broke off her side mirror! Read: Road Rage: What To Do!!

1. What would I have done in her shoes?
2. How can we better prepare for these kinds of assault situations?
3. Do I have any wisdom I can share?

I know my first reaction would be to roll up the windows and lock the doors! I do this instinctively when I come to a stop at an intersection and I feel unsure of the cars beside me or the area just feels “creepy”.

Calling 911 is sound advice. The fact the assailant sees you on your phone should make him think twice.

Another idea: honk your horn to attract attention to your situation!

Being prepared to react to a situation can be the result of:

• sharing experiences and helping people learn what to do (or not to do!)
• taking specially designed courses (i.e. self-defense)
• practicing responses so they become second nature


Taking steps to be prepared is very empowering. I can attest to this from my experience in the martial arts. At the age of 48 I received my black belt in karate. The training and practice to achieve this rank has given me the skills to know that I will react to an attack with confidence.


At Karate International they run women’s self defense seminars and I highly recommend all women take them at least once. Even if you don’t step into the martial arts, knowing a few basic skills and some do’s and don’ts are invaluable. If you do decide to check out the dojo, I can get a VIP pass for you. This gives you a month to try out the classes for free. It’s a great workout and stress reliever! And it could save your life!


(Raleigh, Cary, Apex, Durham, Garner and West Raleigh – there’s a Karate International near you!)

Wendy Bard, www.thehcard.com’s Posts – 919 Business Networking – Local Business Owners & Professionals

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