Did you know that Americans owe nearly 1.3 Trillion in student loan debt. The average class of 2016 graduates have $37,172 in student loans, 6% more than last year. Here's a general idea of student loan debt according to the Student Loan Hero. 

- $1.26 Trillion in total U.S student loan debt 

- 43.3 million Americans with student loan debt

- Student loan Delinquency rate of 11.6%

I'm sure you are stunned already at these numbers, here is a closer look at how students accumulate debt based on the type of school according to Student Loan Hero. 1.3 million students graduating with debt, increase from 1.1 million in 2008. 66 % of graduates from public colleg...

I'm sure you have heard of Insurance coverage before, but do you really understand the value of Life Insurance.

What if you were gone, what would happen to your family financial health? How would you pay for average living? Rent or Mortgage, household bills, college tuition? I understand that at this day in age money is a very tight issue, but don't let that stop you from the most important investment you could make to protect your family's financial future. Having suitable Life Insurance Coverage should be a fundamental part of your financial plan. The sooner you start the better, because the younger and healthier you are, the less you will have to pay...

Lets face it mommies, we feel we don't have enough time throughout our busy chaotic days. I understand, as a mommy of two, a constant challenge of mine is finishing my to-do list throughout the day. Fortunately there are 3 ways on making time for the important things in life, like your family's protection.

The first thing to do is to schedule an appointment with your agent after 9 p.m. Once the kids are asleep, take that moment to contact your agent or focus on the protection of your family. The second thing is to take an extra 30 minutes on your lunch break. Ask your boss or manager for an extra half hour to meet and talk with your agent about your fut...

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What the heck does term or perm mean? If you haven't heard that before there's a good chance no one has sat down with you and talked about the basics of life insurance.

Term means temporary insurance. With this type of insurance, you choose the number of years you need coverage and once that time period is over your term is up. As for Perm, it means permanent coverage. Coverage for the rest of your life. One key advantage of a perm policy is that you have cash growing inside your policy that you can borrow against, depending on your financial goals.

Which is right for you? Well it depends on your goals...

Relationships are like seeds, you need to know how to plant them. In order to plant those seeds you will need water, sunlight, and room to grow. You need positive energy to grow a relationship.

Here are three tips to making a good client-agent relationship. First, show attention and be a good listener. People have two ears and one mouth for a reason, to talk less and listen more. Two, do your part. What did you uncover? What are the reasonable expectations that the client or agent is looking for. And three, execute your plan and keep constant contact. You and your agent will have a relationship for years to come, make sure it is a good one.