wait, what was that?

Sometimes you have to take a moment to relax and enjoy…wait, what was that?

     Distractions play a role in day to day life and most are unimportant, yet we focus on them instantly. Email bings, text alerts, phone rings, bathroom breaks and water cooler gossip cut into our important life activities because we let them.

     In sports, coaches always yell at the players to focus; focus on the ball, focus on the offensive player, and focus on the game itself. In business, you need a coach to tell (or yell at) you to focus on your work and finish what you started. Turn off the ringers of your phone, turn off any alerts you have for emails or texts and keep the gossip to a minimum. However, go to the bathroom often, drinking plenty of water is a good thing and bad things can happen if you hold it for too long!

     If you set an agenda for your day and have a plan, you are more likely to finish everything you need to get done. Take the time to do this and you will be happy you did, then thank your new coach for helping you focus. All the while when you are…wait, what was that?

Monthly Costs...but how much?

     While discussing insurance, the number one question is “how much is it per month?” The common response: “That’s too much!”

     No matter what the coverage, no matter what the factors are, no matter what the company, people feel insurance costs too much. So let’s look at a few things while you read this drinking your Grande Mocha Frappuccino Skinny Latte costing $4.80. You have your monthly costs, but how much CAN it really cost you?

     Most insurance companies have their target clients; number of assets, income, household size and location. The companies price their products based on these factors and some companies want the people willing to pay more for better coverage while others target the minimum payment customers. Next time you talk to your company, ask them how much it would cost to go to the ‘next level’ of insurance coverage, it may surprise you.

     Increasing your coverage may only cost you a cup of coffee or an HBO package per month and we are talking double or triple coverage. Like interest on a credit card, your purchase today could add up in the future if you were to cause a major accident. The attorney on the other side doesn’t care about your lifestyle or how you like your coffee or what shows you watch and they will go after your income.

     For a little bit more money per month, look at adjusting your insurance up and don’t always think the insurance costs too much. After an accident, you will be glad you have the better coverage and you can never have too much.

Minimum Insurance; The Dreaded Scenario

     Insurance, the dreaded word everyone doesn’t like to hear until something goes wrong.  Some people view insurance as just another bill, others think of it as some kind of government rip off while others consider insurance a valuable tool to protect their assets. It is true, if you drive a car on public roads or have a mortgage on your home you have to carry some kind of insurance coverage, however, the different types and limits can be confusing if you don’t know what to look for.

     If a person with limited assets gets insurance, they commonly buy lower limits of insurance. State minimum in California is 15/30/5 covering the driver for damages they cause up to fifteen thousand dollars per person, thirty thousand dollars for injuries per accident and five thousand dollars for property coverage (car you hit, fence, light pole, etc.). When was the last time you heard of someone going to the hospital and the bill costing less than 15 thousand (full price charged)? Also, I’m still searching for a 2-3 year old car costing less than 5 thousand. If you have not figured it out, a driver should have -more than the minimum for coverage, however, I get frequent comments like “just give me whatever I need to drive” when quoting an insurance rate.

     Insurance premiums can be a substantial part of the family budget but it is meant to protect the person hurt because of a brief lapse in judgment or careless mistake. Don’t let one accident ruin a lifetime of hard work. Review, understand and increase your coverage when necessary so when something goes wrong you won’t be dreading that word, insurance.

     Call Georgetta Gans, Nency Gonzalez (hablo espanol) or Brian Walker for more information and to get a quote to protect you against people with low limits. Multiple companies available to quote if qualified.  951-672-3476

New Toastmasters in Menifee; AM meeting!

     Are you one of the many people afraid of public speaking? Does your current level of communication hold you back from a better job? Do you want to improve your current skills to gain self-confidence?  If so, another Toastmasters Club is coming to Menifee and they are looking for new members so they can Charter in January.

     Toastmasters is known for being a ‘public speaking’ club but it offers so much more than being able to stand in front of people. You will gain self-esteem and learn how to listen better to other people along with having lots of fun. “The stories and information shared is so interesting while you learn about lots of topics” says Georgetta Gans who has been a member for over a year (in another club).

     Currently, there are two clubs meeting in Menifee; Menifee Toastmasters and The Leadership Connection, both meeting every Thursday at 12:05pm and 6:30pm, respectively. The new club will be meeting on the 2^nd and 4^th Wednesday’s of the month at 7:45am for all you early risers. Nothing starts your day like speaking and coffee!

     The location is the same for all clubs: The Rilynn Professional Building located at 27070 Sun City Blvd, Menifee 92586, near the corner of Sun City Blvd and Cherry Hills Blvd between Provident Bank and Stater Bros.

     Contact Brian Walker for details at 951-672-3476 or company@rilynn.biz for more information.

 

Rilynn Company Inc.: Carry Full Coverage...or Else

Rilynn Company Inc.: Carry Full Coverage...or Else:      Traffic slows down at the common rush hour times in Southern California daily and without fail. You can set your watch on it and I...

Carry Full Coverage...or Else

     Traffic slows down at the common rush hour times in Southern California daily and without fail. You can set your watch on it and I have realized for every minute I take to leave adds ten minutes to my trip time. Not a very good ratio so I decided to buy a motorcycle and start really moving around the Southland. By some accounts, it is legal to split lanes in stalled traffic and a motorcycle can move a lot faster than a passenger vehicle.

     So my motorcycle was a thrill to ride and it was not very expensive. My commute times were slashed and I was happy to be on the road again with the wind in my…helmet. The insurance to drive the bike was cheap enough and I did not bother to get Comprehensive or Collision coverage because I didn’t care about the bike and it wasn’t worth the expense. Besides, if I crashed the bike and it was my fault then I would deal with the consequences and move on with life.

     The story begins one day while I was driving a familiar patch of pavement and like clockwork the traffic slowed and I went in between lanes. A driver in the left lane decided his lane was not going fast enough and swerved into the center lane, however, this 19 year old driver did not use a blinker or check his blind spot. You guessed it; I was next to him going about twenty miles per hour.

     With no time to stop or even brake I remember seeing his front passenger wheel suddenly get really close to me. Hitting between the wheel and the door, I was launched thirty feet into the air and came as close to Superman flying as humanly possible. Thankfully, I tucked my head and did a flip in the air so I landed on my shoulder and not my face. My flip was so fast my dress shoes flew off and I banged my ankles and feet so hard on the pavement I had bruises for weeks.

     To my joy, traffic had suddenly stopped in all three lanes from where I was hit and I stood up and braced for an additional impact of someone hitting me. But nothing came and the headlights illuminated me in an unwanted spotlight. After the initial adrenaline rush, I hobbled over to the median and crumpled down under my own weight as my ankles gave out in pain.

     After the police, ambulance and reports were done, I waited for my father in-law to bring a flatbed trailer to bring my totaled bike home. The next day I called his insurance company to find out what to do next. To my horror, I was put at 50% at fault by the insurance company for this accident and determined to be going too fast for traffic conditions.

     The insurance company I had would not help me because I did not have full coverage on my motorcycle. Even though they agreed I was not at fault, they could not do anything because they were not involved. If there was a lawsuit against me they would pay but not the other way around. It was up to me to fight the insurance company for anything owed to me. Overall, I had to settle for 50% of all my injuries, bike damage and lost wages at work.

     Sure, I could have fought it in court and spent many thousands of dollars to get back a few thousand. I was not mad at the situation because it was an accident, I was mad at myself for trying to save a few bucks and not having the coverage. In life you get what you pay for; that holds true for your insurance coverage. So the next time you need to cut costs, look somewhere other than your insurance. Insurance is for accidents, and you can’t plan those, you can only prepare and have full coverage.

Healthcare in California

     Healthcare for everyone living in the United States, has been, and will be a topic for discussion lasting the next 10 years. Will it happen, will it succeed and are we as a nation better off for having access to doctors and hospitals?

     The ethical, ‘feel good’ answer is everyone should be able to get quality care regardless of income level. However, the cost for this future addition to the Standard of Living could take other things away from the general population. The money has to come from somewhere and contrary to government thinking, money cannot just be printed in abundance. So is the money taken from the schools? From Social Security? Unemployment Fund? Military and Defense? Will gas and oil be taxed at a higher rate so we pay more at the pump?

     Taxing the rich to pay for the poor is not the answer. Taxes are seen as punishments and if you punish someone for doing well they are less likely to continue the behavior; at least continue the behavior in a lawful way. Something has to change and with the National Debt growing to unfathomable levels the chance of paying it off while incurring another major expense is slim to none.

    Pray for the strength and wisdom for our government leaders. Pray they are able to make the right decisions for our country as a whole. However, regardless of their decisions, make sure you make your voice heard. Do not stand by and let things happen to you and your country you do not approve. Get out and get educated and then vote! Information is available but make sure you are talking to an expert to get all the facts.

 

One Expert for Covered California is Laura Roeder. She can be reached at 951-602-5819 or financial@rilynn.biz

Call or email for an appointment.