₦airaland Forum

When you plant nothing, you reap nothing, do you know that the harvest is usually more than the seed sown. What do you want your old age to look like? Only wise people plan for their retirement which makes their children and grand children proud of them.

This is the summary of everything, plan, plan, plan, whoever fails to plan is already planning to fail. Our financial goals can be divided into the following:

1. Living a good life while working
2. Giving our children good education
3. Capital project
4. Living a good and comfortable life after retirement
5. Living a good heritage for determinants.

If someone you love depends on your income, you need insurance
Call or whatsapp 08085108953


Please watch this video by Pastor Paul Adefarasin to understand more

https://www.youtube.com/watch?v=GX9O071Lyaw

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Certain you would order again once you are thrilled.

Caveat:

This is freshly processed from the farm.

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Held back by Covid 19? You don't seem to know how to get that frozen foodstuffs at this time?

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Grab this offer with both hands while stocks last. We can get it delivered to you right within your home.

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Hello Nairalanders,

Do you know any Retiree?

My company "a top rated Insurance Firm" has a plan that makes retirees earn Salary for life by converting owned Pension to Salary to be earned over the retirees' lifetime.
Who is eligible?

All Private and Public Sector Employees...like Bankers, Construction workers, Civil Servants etc.

There is no limit to your earnings. Should you know all retirees in FAAN for example, you earn continuously.

To learn more, Call or chat Funmi on 0808 510 8953

Yes

Hello Nairalanders,

My company "a top rated Insurance Firm" has a plan that makes retirees earn Salary for life by converting owned Pension to Salary to be earned over the retirees' lifetime.
Who is eligible?

All Private and Public Sector Employees...like Bankers, Construction workers, Civil Servants etc.

There is no limit to your earnings. Should you know all retirees in FAAN for example, you earn continuously.

To learn more, Call Funmi on 0808 510 8953

Problem ti won niyen

Its 17th of January, before you knew what is happening, its already 31st of December, 2020, believe you me, you are getting older. Likewise your marriage and kids.

Can you boast of a good family savings culture especially the one that can take care of your kids education in future which can make them go to a school of your choice without financial constraint and touching of your other investments?

Start today by asking me how?

Contact 07085108953

It is a reality that every responsible parents funds the education of their kids but how they go about it is what differs. Education is one of the best legacies, you can give to a child, keep it simple and easier for yourself by starting an educational plan today.

Its 3rd of January, 2020 already, before you close yours eyes and opened it again, we are already in 31st of December, 2020. Start investing early in your kids education

For more info call Funmi: 08085108953

Tips on Saving for Your Child's Education

Happy New Year Parents.
It's the beginning of the school year and you're thinking about your child's future education. Your child is bright and will be going to college, so the time to start planning is now. Many parents begin planning for schools early to create an education savings account for their child's education. How to save for your child's education is the big question that is asked, as there are many different ways to save for educational purposes.

There are some different methods parents and grandparents can use to save for a child's education. It's important to consider taxation, eligibility and growth aspects of the different savings plans. Many financial advisors recommend plans that are more aggressive and risky in the early childhood years but converting over to more conservative tactics in the years that are closer to the start of college. One reason is that there is less money to risk in the beginning, so higher-risk investments are acceptable. In years closer to the start of college, any education savings account risks should be minimized to conserve the larger amount of savings accumulated.

There are four major methods used to fund schools expenses:


1. Life Assurance Savings - Children Education plan with life cover
2. Savings plans - Bank educational savings
3. Borrowed cash - loans
4. Grants, gifts and scholarship money - government and other scholarship programs

Some savings plans jeopardize the child's ability to qualify for various grants, gifts or scholarships based on need because the savings are created too much in the way of assets in the child's name.
This is where a registered financial planner can help with decision-making with regard to the various types of savings plans. In simple terms, savings earn interest while borrowing costs interest. College tuition savings plans should be set up so that the greatest tax advantages are realized. Saving can cut costs by about half the costs of borrowing, especially when savings accounts are started when the child is born.

Common recommendations about college tuition savings include:

1. Start early
2. Invest carefully
3. Diversify investments
4. Keep in parent names
5. Use tax-advantaged accounts

Some precautions include keeping college tuition savings assets in the parent's names. If accounts are in the child's name, once they reach the age of majority, they can do whatever they wish with the accounts. Tax rates may also be more favorable if assets remain in the parent's names.

All college tuition savings plans are subject to future changes that regulators may implement; always work closely with your financial advisor to deal with changes.

In all of the aforementioned methods to fund school expenses, the life assurance savings stands out of the pack. This is so as it provides these:

1. Provides life cover
2. Protection and Security thereby making sure the Child gets the best education with or without the parents been alive
3.Cheap
4. Tax advantage
5. Can be used as additional collateral for loans

No matter which course of savings you select, the objective is to have sufficient money ready to pay for school expenses that are jumping higher at roughly twice the rate of ordinary inflation without breaking the bank.

Careful planning and consultation with a registered financial advisor in 2020 starts with "you". Why result to panic whenever payment for school fees beckon? 2020 should be an ideal year should you plan well from the set go.

We can help you deal early with potential problems so that this worthy goal can be achieved on the best terms.

To learn more about the best educational plans for your adorable children or any insurance need/products or services, call or chat Funmi on 08085108953

Ajsimon:
I'm just 18

Regardless you can encourage your parents to save for your tertiary education. You can also imbibe savings culture.

Tips on Saving for Your Child's Education

Happy New Year Parents.
It's the beginning of the school year and you're thinking about your child's future education. Your child is bright and will be going to college, so the time to start planning is now. Many parents begin planning for schools early to create an education savings account for their child's education. How to save for your child's education is the big question that is asked, as there are many different ways to save for educational purposes.

There are some different methods parents and grandparents can use to save for a child's education. It's important to consider taxation, eligibility and growth aspects of the different savings plans. Many financial advisors recommend plans that are more aggressive and risky in the early childhood years but converting over to more conservative tactics in the years that are closer to the start of college. One reason is that there is less money to risk in the beginning, so higher-risk investments are acceptable. In years closer to the start of college, any education savings account risks should be minimized to conserve the larger amount of savings accumulated.

There are four major methods used to fund schools expenses:


1. Life Assurance Savings - Children Education plan with life cover
2. Savings plans - Bank educational savings
3. Borrowed cash - loans
4. Grants, gifts and scholarship money - government and other scholarship programs

Some savings plans jeopardize the child's ability to qualify for various grants, gifts or scholarships based on need because the savings are created too much in the way of assets in the child's name.
This is where a registered financial planner can help with decision-making with regard to the various types of savings plans. In simple terms, savings earn interest while borrowing costs interest. College tuition savings plans should be set up so that the greatest tax advantages are realized. Saving can cut costs by about half the costs of borrowing, especially when savings accounts are started when the child is born.

Common recommendations about college tuition savings include:

1. Start early
2. Invest carefully
3. Diversify investments
4. Keep in parent names
5. Use tax-advantaged accounts

Some precautions include keeping college tuition savings assets in the parent's names. If accounts are in the child's name, once they reach the age of majority, they can do whatever they wish with the accounts. Tax rates may also be more favorable if assets remain in the parent's names.

All college tuition savings plans are subject to future changes that regulators may implement; always work closely with your financial advisor to deal with changes.

In all of the aforementioned methods to fund school expenses, the life assurance savings stands out of the pack. This is so as it provides these:

1. Provides life cover
2. Protection and Security thereby making sure the Child gets the best education with or without the parents been alive
3.Cheap
4. Tax advantage
5. Can be used as additional collateral for loans

No matter which course of savings you select, the objective is to have sufficient money ready to pay for school expenses that are jumping higher at roughly twice the rate of ordinary inflation without breaking the bank.

Careful planning and consultation with a registered financial advisor in 2020 starts with "you". Why result to panic whenever payment for school fees beckon? 2020 should be an ideal year should you plan well from the set go.

We can help you deal early with potential problems so that this worthy goal can be achieved on the best terms.

To learn more about the best educational plans for your adorable children or any insurance need/products or services, call or chat Funmi on 08085108953

Many responsible people still do not quite get around to buying a policy even though they know how important it is. How can these people leave this important part of their financial security to chance? But when I have asked these people why they have put off a buying decision, they actually have some reasons that look valid on the surface.

You know that you need to buy life insurance because you want to insure your family's financial security. If you passed away, who would provide for your spouse and children? How will your kids go to college or your wife or husband make ends meet while insuring that everybody is properly cared for? Besides, every day needs, a funeral can cost thousands of naira and you do not want to burden your parents or gown children with that final expense bill!

Here are some common reasons we hear for NOT buying Life Insurance.

Life insurance is too complicated. Consumers get confused by all of the different types of coverage, or they do not really understand how much life insurance they should buy. They do not know if they need a term or whole life policy.


People may have gotten one premium quote which sounded high, and they do not realize that they have much more affordable options which were not presented to them. A 30 year million naira term policy may not be in the budget. But perhaps a 20 year term life policy for N100,000 would be affordable and would really be sufficient.

People do not want an insurer to pry into their personal life. Some people are concerned about releasing their personal or health records to some faceless employees. Part of the problem is they are unsure about the information contained in those records. They are afraid the information is wrong or misleading. They do not know where the information will end up, and they do not really really know what is on those reports.

Consumers do not know which company or agent to trust. We read and hear about various consumer scams every day, and it is hard to know which companies we can trust. Even legitimate companies are having financial problems, so how can we be assured that our coverage will be there when we need to use it?

The Truth About Buying Life Insurance
What is the truth? You will have an easier time buying an insurance policy now, than any other time in history. You can also take some very simple steps to make sure you purchase the right coverage from a top rated insurer. And it is also easy to verify rates. Here are some quick tips to get you motivated if you have put off covering your own life.

Premium Rates are dropping. You will find that insurers have dropped their premiums over the last 10 years, and most people can buy coverage for a lot less then they think they can. Why have rates gone down? Statistics show that we are living longer, so companies have less risk. In addition, computers and the internet have made the whole business of insurance more efficient. Besides, you can adjust the policy's options and face value to allow for a premium you can afford.

Consumer protection information is online. You can verify the financial rating and complaint record of insurers online. Independent rating websites and state insurance departments have this information. Just a little bit of research, which is very easy to do, should protect you.

Compare life insurance rates and plans online. You can find the lowest priced policies online with a few mouse clicks! You can also learn about the different types of policies, and then figure out which type and amount of coverage will be best for your family, and your own financial planning.

You control your personal information, and you will be legally protected. Personal records will not be released without your permission. You also have a right to check your own health and consumer records before you release them to any other company.

To buy a suitable insurance plan for you or your wonderful family: contact Funmi 08076713927

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DivineIsGreat:
Any interests rate on this

...I need to start saving for my girl's education from now.

Happy New Year yes there is interest on it. Let's chat on 08085108953. Have a prosperous year