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I enjoy bass fishing, deer hunting and golfing in the south.
Monday, September 25, 2023
092523 quotes
Friday, September 22, 2023
092223 Save The Date ...
SAVE THE DATE:
One Warm Coat Day is October 17, 2023
One Warm Coat Day brings awareness to the need for warmth
and inspires people across the country to get involved and
make a difference in their local communities by donating coats,
holding coat drives, or making financial contributions.
In honor of One Warm Coat’s 31 years,
the Board of Directors will match the first $31,000 raised on 10/17.
Double your donation and impact my making a contribution on that day!
092223 quotes
What defines us
Is how well we
Rise after falling.
- Lionel Bloch
Happy are those who dream
Dreams and are willing to pay
The price to make them come true.
- Leon Joseph Suenens
Every person has the power
to make others happy.
Some do it simply by entering a room
others by leaving the room.
Some individuals leave trails of gloom;
others, trails of joy.
Some leave trails of hate and bitterness;
others, trails of love and harmony.
Some leave trails of cynicism and pessimism;
others trail of faith and optimism.
Some leave trails of criticism and resignation;
others trail of gratitude and hope.
What kind of trails do you leave?
- William Arthur Ward
Tuesday, September 19, 2023
091923 Happy Birthday Allison Childs Clark...
Today I am feeling a little bit older.
35 years ago, at the hospital in Americus, GA
A little angel from Heaven came into our lives.
Allison Brooke Childs…
She has brought Lisa and I much joy and happiness.
She is foremost a Christian wife to Daniel,
A loving mother to Caragan Grace and
A compassionate and giving CRNP who really cares
About the well-being of her patients.
We love you so much Allison!
You make us proud every day!
Have a very special Birthday!
You deserve it!
- Hayden & Lisa Childs
***
Allison Clark serves as a Certified Registered Nurse Practitioner
at Whitfield Family Practice.
Allison earned her Bachelor of Science in Nursing from the
University of Alabama Huntsville in 2012.
She worked in as an emergency RN before deciding to
pursue further studies.
Allison graduated with honors from Samford University with
a Master of Science in Nursing in 2016.
Allison previously practiced in the Huntsville\Madison area
prior to joining Whitfield Family Practice in 2022.
Allison is committed to providing optimum health and wellness
for patients across the full age spectrum.
In her free time, she enjoys reading, cooking, traveling, shopping,
and spending time with her family.
091923 Why Life Insurance Is Worth Your While at Any Age...
You may have heard of life insurance and thought you don’t need it,
especially if you’re still young and don’t have any dependents. And yes,
it can be considered an extra monthly or yearly cost, but it’s worth your
while not only when you’re young, but as the years pass and your
financial investments and dependents multiply.
Continue reading below as we answer some common misconceptions
about life insurance and tell you why it’s worth your while at any age.
· What is Life Insurance?
First, let’s start with the basics. Life insurance is a contract or policy that
provides your loved ones (beneficiaries) with financial support if the
insured person passes away. Having life insurance can give peace of
mind to your family members and help minimize the financial impact of
your death.
If the policyholder dies during the policy term, the life insurance company
pays your family a pre-decided sum of money, also known as the
death benefit.
· Misconceptions About Life Insurance
Many people think life insurance isn’t necessary or have other misconceptions
about it. Here are some common myths about life insurance and the truth
behind them.
1. You should only get life insurance when you’re older.
You may not think you need it now, but getting life insurance while you’re
young is beneficial. Getting coverage in your 20s or 30s when you’re young
and healthy is usually less expensive than when you’re older. Lock in that
rate now before any health conditions surprise you down the road.
2. Life insurance is too expensive.
Paying the premium can feel like just another cost, but you never know the
course that life will take. Tomorrow is never guaranteed. It’s important to
remember that any amount of life insurance coverage is better than
none at all, and it probably costs a lot less than you think.
Recent research shows that 80% of people overestimate the cost of a
life insurance policy.
3. Life insurance is only useful after you die.
Life insurance gives you and your family peace of mind and financial stability
if anything happens to you. It can cover funeral costs and any outstanding
debt you may have. It can also cover everyday expenses beyond these
final expenses, from a mortgage to putting your kids through school.
The peace of mind of opting for a policy comes long before the end of life.
Benefits of Life Insurance by Decade
Now, let’s explore the benefits of having life insurance at every age.
Each decade brings new milestones, but the advantages of life insurance
remain.
Life Insurance in Your 20s
Your 20s are a huge transition period, marked by significant events like
finishing school and beginning your career.
Purchasing life insurance in your 20s is important because it allows you to
lock in a lower premium rate, making it very affordable while you are young
and healthy. As you age, your risk of death increases, and so do the
premiums for life insurance.
As you start building your career, life insurance can be used as an investment
option to save for future financial goals, helping you in the present and future.
Plus, having life insurance can provide financial protection for your loved ones
if you were to die unexpectedly during this time.
Life Insurance in Your 30s
Your 30s also come with lots of change, with many getting married, purchasing
their first home and starting a family during these years. You are building the
foundation of the life you’re dreaming of!
Your 30s are often a time when several people come to rely on you. And if
someone depends on you financially, you are most likely someone who
needs life insurance. With so many milestones during this time, opting into
life insurance becomes crucial in the case of an unexpected event.
Another added benefit is that when you secure life insurance in your 30s,
you’re still relatively young and healthy, meaning you will receive lower
premium rates than if you wait until you get older.
Life Insurance in Your 40s
In your midlife, you have now built the walls and roof around your foundation.
And that means purchasing a policy and not delaying is essential. If your life
includes a spouse, children, aging parents or relatives, a mortgage (or multiple),
or a business, then life insurance is a must to ensure that no one is financially
harmed if something happens to you.
You can still find an affordable policy depending on your health habits and
medical conditions, so lock it in before any concerns arise. For example,
someone in their 40s in excellent health may receive a better rate than a
30-year-old with health issues. However, inevitably as you age, your health
concerns increase… getting a policy will feel like a weight off of your shoulders,
especially with the additional financial obligations that can come with this decade.
Life Insurance in Your 50s
The first-half century is complete, and now it’s time to enjoy the fruits of your
labor! Check off those bucket-list items, enjoy an empty nest, purchase that
second home or car you’ve always dreamed of and do the final prep for
retirement.
Your 50s are about ensuring you’re on the right track to achieving financial
security in retirement. There’s no way around it: Purchasing life insurance in
your 50s is probably going to be significantly more expensive than it would’ve
been earlier in life. But so are your life-long obligations if there is no financial
protection in place.
Whether you have dependent children or other big expenses such as a mortgage,
a business, or a spouse who could end up outliving you, there are still many
areas where life insurance could help. Think about life insurance in your 50s as
a financial tool to help you achieve the lifestyle you want... it’s there to help your
family in unfortunate circumstances but also to help you support your retirement
and other expenses.
Life Insurance as a Senior
For those 60 and up, it may seem like your time for life insurance has passed.
But don’t let your policy lapse just yet. Seniors are in direct need of life insurance,
as they’re aging and thinking about arranging end-of-life plans for the sake of
their families. Life insurance, as discussed, can help cover outstanding debts
or mortgages and pay for final expenses like funeral costs. Additionally, senior
business owners may need a life insurance policy as a key person benefit or to
fund a buy-sell agreement in the event of their death.
Another reason to consider is that certain life insurance policies can help cover
The cost of long-term care. As people age, they may require assistance with
daily living activities, and long-term care insurance can help cover the cost of
this care. Seniors also use life insurance policies to pass on wealth to their
beneficiaries, providing a tax-efficient way to transfer assets to the next
generation and leave a lasting financial legacy.
Ultimately, getting life insurance is always a good idea, regardless of age.
It’s almost always worth it for your family’s peace of mind and financial support.
No matter the milestones you’re currently enjoying, life insurance is there to
protect what’s important to you financially.
Dr. Enoch Omololu
https://lifehappens.org/blog/why-life-insurance-is-worth-your-while-at-any-age/
I Still Make House Calls!
Hayden Childs
Alabama Licensed Agent
(205) 269-1382
Monday, September 18, 2023
091823 "Too Late"
I recently came across an old life insurance
Advertisement… things have not really changed
Much since the early 1900’s.
“Too Late!”
Sad words those… “Too late” … for they always
Emphasize what might have been and should have
Been but was not… especially in life-insurance.
In March, 1915, a man living in the north east wrote
To a prominent life insurance company for information,
This was promptly forwarded.
As he did not reply, other correspondence was sent
Suggesting that he protect his family with a policy even
A small one. He put it off.
Finally, in October, 1918 the insurance company sent an
Interesting booklet entitled, “How much insurance ought
I to carry?” Then, after more than three years and answer
Came… not from him but from his wife,
She wrote…
“Your letters and your interest in my husband’s insurance
Is appreciated, He died one week ago from pneumonia
Without insurance coverage and leaving two children.”
Like most husbands he doubtless intended to take out
A policy, but like many careless ones, he put it off until
Too late.
It was too late to protect his family after he was dead.
There was a time he could have done it quickly and at
Little cost, but he waited until too late.
As the cost increases with each year’s advance in age,
The time for everyone to insure is now!
Friend,
Will You Get A Round To It?
I represent several highly respected
Insurance companies.
I can even insure if
You have been turned
Down in the past for
Health or other concerns!
“The Grief is bad enough,
Don’t leave the burden
To Your family!
I Still Make House Calls!
Hayden Childs
Alabama Licensed Agent
(205) 269-1382
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