Insurance Tips with Amber Thomason

by Amber ThomasonMarriageby Amber Thomason by Amber ThomasonStaring a

Teaching your kids emergency preparedness and Money Teaching your kids emergency preparedness Small Business The decision to get married can be one of the most exciting and important decisions you’ll make in your lifetime. However, money in relationships is a tough subject for many people considering marriage. Arguments about money hamper many marriages and financial problems or disagreements are a leading cause of divorce. It’s important for partners to have frank discussions about finances, budgeting and their individual financial personality or feelings toward money. These conversations may be uncomfortable at first but avoiding them could prove much more costly down the road. Below are a few things to consider in your premarital discussions. Know your financial personality Spenders and savers can peacefully coexist if you keep the lines of communication open. Understanding the psychology Talk about debt Debt is something that most people have, and nobody likes, but it’s an unfortunate reality that needs to be dealt with. Understanding each other’s debt stories, credit scores, credit history, and total financial assets are important factors to consider before making future purchases together. Set up a meeting with your insurance agent to discuss how to best cover the debt, your income, and your current investments. It’s important to have an insurance plan in place that fits the need of your risk tolerance and plans. The best time to know what’s covered and what’s not is before the loss so don’t put that meeting off. Combining your life with another person can be a scary financial thought but with the right planning and the right counselors by you side the transition can be smooth and exciting. Pick people to work with that you can trust and build lifetime rapport with. If you’d like more information, we would love the opportunity Weather emergencies may scare your kids, but helping them understand what to expect can reduce the stress. Carefully go over your family emergency plan and teach them how to stay safe whatever the disaster. Getting your family prepared for any disaster Complete the following with your family so severe weather doesn’t catch you off guard: • Create an emergency supplies kit. Include a threeday supply of water, nonperishable food, flashlights, blankets and kid-friendly activities. The Red Cross provides a listing of emergency supplies to help you prepare. • Practice your emergency plan. Include two evacuation routes, a safe room and two different meet-up locations — and make sure kids can run through it calmly. • Run through the basics. Kids should know how to call 911, identify themselves, identify their location, reach emergency contacts and get to predetermined safe locations. • that a severe storm is heading your way there are ways to be more prepared. If a storm is sudden, go indoors if you see lightning or hear thunder, and don’t use items that plug into electrical outlets. Avoid using running water, as faucets can conduct electricity. • Earthquake. Practice the “Drop, Cover and Hold On” method, and learn to recognize safe places in each room at home and at school. • Hurricane. When you know a hurricane is expected, prepare your home for the possibility of impact. During the storm stay away from glass windows and doors, and be ready to follow hurricane evacuation instructions from emergency officials if necessary. • Flooding. Don’t go into flooded areas. Just six inches of moving water can knock you off your feet, and standing floodwater could be contaminated or contain sharp objects. If your car is affected in the storm, assess the damage. Also, being prepared with a Home Inventory might be helpful if you need to file an insurance claim in the case of lost or damaged possessions, help secure a settlement, and prove by Amber Thomason According to Forbes, more than 500,000 small businesses open each month. If you're looking to join the entrepreneurial club, consider this planning guide for starting a small business. Laying the groundwork It's important to have a well-developed business proposal that meets an untapped need. Follow these steps to think yours through: 1. Decide on a business idea. Think about your strengths and interests: What could you do forever? What could you never do? How do you feel about interacting with people or spending your time at a desk? Ask yourself these questions to narrow down your business ideas and options. 2. Research market demand and competition. You should feel confident that your product or service will have a hungry audience and that you can offer it in a better way than your competitors. 3. Write your business plan. You'll need the following components: • Executive summary • Organization and management Setting up shop Before getting your small business up and running, you'll need to complete the following legal requirements. Consult an attorney and/or accountant for guidance relevant to your specific situation. 1. Decide your business structure. Is your business a sole proprietorship or a partnership? The Internal Revenue Service (IRS) can provide more information on types of business structures. 2. Most states require you to apply for one or more licenses, permits or identification numbers. Learn more about the small business requirements for your state. 3. If you plan to employ people to help run your small business, you'll need to apply for employee identification numbers through the IRS. 4. Determine whether you will use the calendar year or a fiscal year for taxes. Also talk to your State Farm® agent about special small business insurance needs. You'll want to do your best to protect the investments you've made, and important coverage can vary by business. We are small business owners and would love to help you get started on your dream today. Weather emergencies may scare your kids, but helping them understand what to expect can reduce the stress. Carefully go over your family emergency plan and teach them how to stay safe whatever the disaster. Getting your family prepared for any disaster Complete the following with your family so severe weather doesn’t catch you off guard: • Create an emergency supplies kit. Include a threeday supply of water, nonperishable food, flashlights, blankets and kid-friendly activities. The Red Cross provides a listing of emergency supplies to help you prepare. • Practice your emergency plan. Include two evacuation routes, a safe room and two different meet-up locations — and make sure kids can run through it calmly. • Run through the basics. Kids should know how to call 911, identify themselves, identify their location, reach emergency contacts and get to predetermined safe locations. • that a severe storm is heading your way there are ways to be more prepared. If a storm is sudden, go indoors if you see lightning or hear thunder, and don’t use items that plug into electrical outlets. Avoid using running water, as faucets can conduct electricity. • Earthquake. Practice the “Drop, Cover and Hold On” method, and learn to recognize safe places in each room at home and at school. • Hurricane. When you know a hurricane is expected, prepare your home for the possibility of impact. During the storm stay away from glass windows and doors, and be ready to follow hurricane evacuation instructions from emergency officials if necessary. • Flooding. Don’t go into flooded areas. Just six inches of moving water can knock you off your feet, and standing floodwater could be contaminated or contain sharp objects. If your car is affected in the storm, assess the damage. Also, being prepared with a Home Inventory might be helpful if you need to file an insurance claim in the case of lost or damaged possessions, help secure a settlement, and prove of spending money and why a person spends can help build Teach your kids the various severe weather conditions • Funding requests Teach your kids the various severe weather conditions to counsel you through this exciting new phase of your life. useful when verifying property loss for taxes. useful when verifying property loss for taxes. good financial habits after you’re married. Strive to understand • Company description what your partner splurges on impulsively, their attitude towards saving and investing, and what financial fears they may be trying to hide. Once you have a good understanding of each other’s money values and habits you can better establish common financial goals. Make it a point to discuss those goals and how to achieve them together. Write it down Teach your kids about the different natural disasters and how to react in each. • Tornado. If you are in the path of a tornado, go into a tornado safe place. This is typically the lowest level of the building and stay away from windows, doors and outside walls. If you are outside with no car or nearby • Service or product line • Financial projections • Market analysis • Marketing and sales plan 4. Separate your business and personal expenses. While it can be tempting to keep all your finances together, especially Teach your kids about the different natural disasters and how to react in each. • Tornado. If you are in the path of a tornado, go into a tornado safe place. This is typically the lowest level of the building and stay away from windows, doors and outside walls. If you are outside with no car or nearby Amber Thomason and her staff have over 15 years of insurance and financial service experience and would love the opportunity to earn your business. Come home to a local agent that is dedicated to the life and needs of her Amber Thomason and her staff have over 15 years of insurance and financial service experience and would love the opportunity to earn your business. Come home to a local agent that is dedicated to the life and needs of her customers. 221 Thompson Amber Thomason and her staff have over 15 years of insurance and financial service experience and would love the opportunity to earn your business. Come home to a local agent that is dedicated to the life and needs of her customers. 221 Thompson Dr., Kerrville. 830-315-5433. Amber Thomason and her staff have over 15 years of insurance and financial service experience and would love the opportunity to earn your business. Come home to a local agent that is dedicated to the life and needs of her and celebrate the small wins as you move towards the larger shelter, lie down in a ditch and protect your head. when there aren’t too many biz expenses at the beginning, it shelter, lie down in a ditch and protect your head. customers. 221 Thompson Dr., Kerrville. 830-315-5433. customers. 221 Thompson objectives. • Severe thunderstorm. If you have advanced notice won’t be simpler down the road. • Severe thunderstorm. If you have advanced notice Dr., Kerrville. 830-315-5433. Dr., Kerrville. 830-315-5433.

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