Saturday, August 6, 2011

Aleese & Ryker

From a mother to her son, so cute!

A Love Letter About Life Insurance

I recently ran across a yellowing sheet of paper with a typewritten letter; it was a copy of a note I had sent to my son. The date on the letter was Nov. 21, 1989, and my son, who is now in college, was just four months old at the time. As I read it again after 20 years, I realized something: Although I was telling him about the life insurance policy we had just purchased for him, it was, in fact, a love letter.
Love letter, you say? What has life insurance got to do with love? Well, quite a lot, it turns out. The bottom line is that you buy life insurance because you love people and want to protect them financially.
I may be biased because I work in the industry, but take a look at the letter to my son, and see if you don’t agree:
Dear J.P.:
Today is November 21, 1989, and possibly you are wondering what the date has to do with writing you this letter.
While you are only four months old at the present time, I hope that this is a date you will remember, because today we purchased for you a life insurance policy. It is one like we have and it will be for your use for the rest of your life.
J.P., the difference between financial success and failure is often determined by whether or not a person can discipline themselves in a consistent and conservative financial strategy. Life insurance is ideal in this respect because it has withstood the test of time both for family security and savings; it’s the greatest savings plan in the world because IT WORKS!
It may be that you will have to call upon the cash value of this policy many times during your lifetime and, at such time, we hope you will remember that we started this for your benefit.
This policy carries with it two features of particular significance. The first is an automatic purchase option, which will allow us to increase your coverage as you attain certain ages. The other feature is one that has been very meaningful to me in my financial life and it is called disability waiver of premium. This means that in the event you should ever become disabled, your financial plan will be self-completing for you and your family.
This policy is a special gift of love and affection from both your mother and me; and we suspect that it will be remembered long after all other gifts are forgotten.
May God’s blessings be with you always.
Love always,
Dad and Mom

Little Nick Jr.

What an awesome family! Manori and Nick have been together since the 7th grade and have now been blessed with their first little boy Nicolas Jr.

A solid financial foundation for children

Gifts of a Lifetime (
I like to call them gifts of a lifetime. After I made sure my own financial plans were in order many years ago, I bought two small whole life policies for my two daughters. I recently carried the tradition on with my grandchildren.
Such insurance purchases are gaining some attention during these volatile economic times, notes Jilian Mincer in a recent Getting Personal column for Dow Jones Adviser, entitled “More People Buying Life Insurance For Children.”
Why the uptick? The reason is simple: a whole life policy that builds cash value is a way to provide a solid financial foundation for your children and/or grandchildren while simultaneously locking in life insurance coverage for their entire life. Buying whole life for my grandchildren allows me to expose them to one of many prudent options in someone’s financial toolkit. It is by no means their only financial tool, but it makes sense to use the living benefits that a protection product like whole life insurance offers. The cash value that accumulates in a whole life policy can be used for college tuition, a mortgage on a first home, or a nest egg for a grandchild’s own retirement. Importantly, it also provides a death benefit for their families if a tragedy should occur.
By securing policies for my grandchildren, my wife and I know that when we are no longer around, our grandchildren, and potentially even their children, will carry a little piece of us with them as they build their own financial future for their families. For a few dollars a month, I am leaving a legacy, and that’s a gift I will always be proud to give.
Ronald B. Lee, CLU, ChFC, CLTC, is a co-general agent of Lee Nolan Associates LLC, a general agency of the Massachusetts Mutual Life Insurance Company (MassMutual).

Friday, July 29, 2011

I Am A Piece Of Paper

I am a piece of paper, and even more.

I am an idea.

I am a promise.

I help me and women see visions, dream dreams, and achieve economic immortality.

I help educate children.

I am also valuable property.

I help pay off mortgages so that a family can remain together in its own home.

I assure mothers and fathers the daring to live and the moral right to die.

I am the great emancipator from want.

I help protect the jobs of employees and conserve the employer's investment.

I am tangible evidence that a man is a good husband and father, and a woman a good wife and mother.

I am a declaration of financial independence, a charter of economic freedom.

I am the difference between an old man and an elderly gentleman; between an old woman and an elderly matron.

I can provide cash if illness, injury, old age, or death cuts off the breadwinner's income.

I am something parents can buy on the installment plan that children don't have to finish paying for.

I am protected by laws that prevent creditors from assessing the money I give your loved ones.

I help bring dignity, peace of mind and security to the latter years of life.

I supply investment capital that makes the smoke go up chimneys, the wheels turn, and the motors hum.
I guarantee there will always be Christmas or Chanukah, a happy fireside, and the laughter of children even though a parent is not there.

I am the guardian angel of the home.


Monday, October 4, 2010

happy one year anniversary babe!

October 3rd, 2010 is our first anniversary as a married couple!  We started off the day with a 2 hour hike in the Laguna Canyon (which if you know Dave, that is intense for him) and then we went and saw The Social Network and then finished the day off with a great dinner at The Cannery.  

Dave and I managed to save a bottle of 2005 Silver Oak that I got for my Birthday (May 18th) all the way till our anniversary.  We enjoyed the amazing bottle and ate a great dinner (minus the seafood platter, it was no comparison to the one at Ocean Club) and then the waitress brought out this for our desert ;) 

Great day and the first of many ;) Love you babe