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Financial Security
By: Pauline Handy - Marketing Director, V.F. McNeil Insurance

In our last blog, Commit to a Financial Makeover Without Feeling Deprived, we reviewed some ideas on how to pioneer a different approach to managing your finances without feeling like you are missing out on life.  Hopefully, you found some of our tips to be helpful.

If so, it’s time to move on to the next phase so that you have a guide for when the time is right.  Our financial professional and life insurance specialist, Megan Maruzo, shared some great information during a presentation she gave to a women’s group in 2017 that I want to pass on to you! This blueprint for financial confidence is applicable to all.

How Do I Get Started?

You’ve already done that just by reading the first blog and now this one.  However, to more closely hone in on the steps, Megan recommends developing your goals, determining what your priorities are, and then taking the time to learn about the tools to get you to where you want to be. 

Financial Security
By: Pauline Handy – Marketing Director, V.F. McNeil Insurance

The New Year is always a popular time for change.  So, what about your financial status?  If you have a lack of confidence in this department of your life, we have a few suggestions to help you give your financial status a makeover without feeling like a have-not.  

Let’s face it, nobody likes to be scraping together money in a rush due to a I didn’t see that coming moment.  It’s also no fun to rack up credit card bills because you don’t have adequate cash on hand.  Those high interest rates can bury you in debt!

Whether it’s a broken-down furnace, a summer vacation, or an emergency car repair, it’s much less stressful to handle life’s curveballs with confidence.  You’ll sleep better at night without all the worry.  Okay, by now we can guess what you’re thinking.  How could you possibly accomplish this without feeling like you are missing out?  Below are some suggestions to consider for the New Year.  

Change your mindset 

Just because many folks around you never seem to go without, it doesn’t mean they can really afford what they are not going without.  Avoid spending for the whole keeping-up-with-the-Joneses thing.  Everyone has their time to shine.  Your time to shine will be when you get that new kitchen you’ve been planning and in the end, you don’t owe a dime.  Yup, you’ll shine extra brightly.  

Spend for the right reasons and only when you can truly afford it.  In the meantime, have fun planning, gathering ideas, and making whatever it is yours for your own fulfillment and not for the sake of impressing others.

Home Maintenance
10 Things to Do to Prepare Your Home for Winter
Fall is a wonderful time in Branford, Connecticut — it's also the time of year you should be thinking about getting your house ready for the winter.  Before you hang up the rake for the season, be sure you read our home maintenance tips.   This is the time of year to fix small problems before they become big, and big ones before they become catastrophic. 

Here's our home maintenance check list - top 10 tips:
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Carmine Montuori, CIC, of V.F. McNeil Insurance, Branford
, was recently recognized for professional leadership and advanced knowledge by the Society of Certified Insurance Counselors (CIC), a leading national insurance professional organization. 
 
Mr. Montuori was awarded a certificate marking more than fifteen years of participation as a designated CIC, which requires annual completion of advanced education and training.

Carmine Montuori’s ongoing allegiance and support of the CIC Program is a testament to the value he places on “real world” education and customer satisfaction.  “Your clients, associates, and the insurance profession as a whole will benefit from such dedication and leadership,” cited Dr. William T. Hold, CIC, CPCU, CLU, President of the Society of CIC.  
 
The Society of CIC is a not-for-profit organization of The National Alliance for Insurance Education & Research, which is respected throughout the insurance industry for the high standards maintained in the hundreds of institutes conducted annually in all 50 states and Puerto Rico.  Other programs of The National Alliance include Certified Risk Managers (CRM), Certified Personal Risk Managers (CPRM), James K. Ruble Seminars, the Society of Certified Insurance Service Representatives (CISR), Certified School Risk Managers (CSRM), and The National Alliance Research Academy.