Mommy Money Matters Alma Espericueta

This episode is mainly to inform you, the consumer, to be very cautious when disclosing personal information over the phone. Not only are we dealing with identity fraud, credit card fraud, bank account fraud, but NOW retirement account fraud. This episode is short, sweet and to the point. Here are the do’s and don’ts when it comes to you handling your personal financial accounts, whether it be, bank accounts or retirement accounts. These hackers are getting very sneaky. Listen carefully and stay alert by following these recommendations. The last thing you want is for your parents or grandparents to loose their hard earned money upon retirement. Take care of yours!

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The way SM is right now, anyone can get on and say ANYTHING they want!! As consumers of this content we tend to believe these individuals. It doesn’t matter whether it’s factual or not, we believe it to be true. If you’ve been on SM you know what I’m talking about. Here’s the thing, not all of is factual. In fact most of it is other people’s opinions. Living in this country, freedom of speech is one of our rights. I say this to say, we have to be more careful of the content we listen to and perceive to be true. Sometimes it can do more harm than good. I can go into so many areas with this topic. But what I would like to encourage the consumer is to always do their due diligence and educate themselves on the subject matter at hand. To find out more about what I’m referring to, take a listen to my latest episode. Here’s a hint, it has to do with what I do for a living and what I help families with, day in and day out. Don’t be easily persuaded by other people’s opinions. Gather your facts and make family decisions accordingly. I can’t stress this enough. Should you have any questions or concerns, feel free to get in touch. It won’t cost you anything!!

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This episode is a bit different but all about weighing your options and doing your due diligence. As I meet with my clients, the young ones come to me for my personal recommendations regarding their future and their potential careers. I have had a lot of experience in that area personally but I always focus on them. I always tell them to find a career that not only is fulfilling but can help pay the bills and then some. Imagine going to work day after day and hating it. Then you realize you’re still short every month. That’s not life!!! That’s you in the rat race or a hamster in the hamster wheel going nowhere! But waking up and doing the same thing over and over again. If this is not what you want then I highly recommend you listen to this episode for some pointers. Who knows, may this episode will help guide you? Not only do I give you information but I also talk about a few personal stories from my clients and family as well, including my own. The last thing you want to be worrying about as a young emerging adult is actually being an adult and dealing with so many what if’s like most do. I invite you to take seat and listen in. Share this with any Gen Zs and Millennials who find themselves overly anxious and stressed over the unknowns of life. Like always, if you have any questions or inquiries feel free to reach out to me.

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Join me on this episode, as I share some stories of old and new clients regarding life insurance for their children. Coming from a mother of five and a grandmother as well, for me personally, it is highly imperative that we protect our children with life insurance. Why is that? Because we are protecting their future insurability . We don’t know what life is going to throw our way, and whether our children will be perfectly healthy or not. These unknown factors are the very reason why we should protect our children with life insurance. In this episode, I talk about child term writers and individual life insurance plans for your children. I highly recommend you consider one or the other and protect your children. Remember to always do your due diligence before committing to anything. Ask as many questions as you need to, to make an informed decision. I’m more than happy to answer any questions you may have. It is a free service and I also offer a 30 to 45 minute consultation free of charge with no commitment necessary. Don’t let it be too late, protect yourself and your children. Your future self will thank you for it.

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This episode is focused on going back and re-learning the difference between life insurance products and finding out which one is better suited for your family’s needs. Very often I get asked, “Why should I have more than one product in place?” My response, “That’s a great question.” Because it is!! As a licensed professional it is my duty to explain the differences and let my clients decide for themselves. When I come across a client who is adamant about purchasing one particular product I don’t try to convince them of why they shouldn’t purchase it. What I do instead is ask my client, “Why do you want that specific product? What do you know about the product?” And let them explain. You see sometimes, they don’t know what they don’t know. It is my responsibility to assess how much they understand about the products being discussed to be able to move forward. Once we do that, then we can continue with our conversation. It is highly imperative that we as consumers do our due diligence when it comes to financial matters. Don’t you agree?? Feel free to share this episode with friends and family who are looking into purchasing life insurance. Have any questions? Find us on SM and ask away!

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Having a loved pass is one of the toughest experiences of life we have to deal with. Let alone needing to find the place to handle all the burial services and with this comes the expenses. How many know the costs involved? Have you done your research? Here, in the state of California on average it can be anywhere between $10k to $25 depending on what the family wants. How about cremation? Well, that also varies. It all boils down to how much can the family afford. But did you know that if you don’t want any viewing services nor mass etc. the cost can be very well under $1,000 in some locations? This is why it’s important to look around and not go with the first place you visit. Nor should one discuss right off the bat that there’s life insurance in place. Why?? Take a listen to this episode and find out. There’s information on what steps to take should you come across this situation. But always, always do your due diligence!! I can’t stress this enough. Should you have any questions or concerns feel free to reach out!! Our focus is to provide value everywhere this podcast reaches and keep our community informed.

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