BGS Financial Services, LLC

New Partnership with instant easy life insurance carrier. Get covered today! https://agents.ethoslife.com/invite/69a67🙂

Ethos

Happy National Donut Day!

One longstanding ‘rule‘ for generating income may no longer be viable If you thought you could count on the “4% Rule” for generating retirement income from your portfolio, you may have to think again. Research shows that in today’s interest rate and market environment, you may only be able to withdraw 2.39%, adjusted for inflation, from a portfolio allocated 50% to stocks and 50% to bonds and have a high degree of confidence that your money will last over a 30-year retirement. If this concerns you, I have a solution that will protect your accounts from downturns in the market, allow for tax-deferred growth and offer guarnateed lifetime income streams that you can always count on. Ask me how today.

National Flip Flop Day = Free smoothy
http://ow.ly/Y9Lh50OzMxf
One free 12 oz. Strawberry Margarita Smoothie per guest only on May 31, 2023 from 2 - 7 p.m. in-cafe.

How would your family afford their mortgage without their breadwinner? Secure your family in their home no matter what the situation by purchasing term insurance. Some contracts even include the return-of-premium feature, disability income payments, and coverage for major health events like heart attack, stroke, or cancer. Reach out to me to learn how today. -med

Life is hard, life insurance isn't anymore. Call me to discuss hassle-free life insurance for you and your family. 561-910-6208

Life is hard, Life insurance shouldn't be! Give me a call to discuss hassle-free life insurance options. Easier, better and cheaper than you might think. 561-910-6208

The Pandemic Changed Where Americans Live Big cities lost residents, as younger households left for the suburbs and older people accelerated retirement moves, while fewer newcomers came to take their places. The suburbs and smaller cities offered the space and amenities that fit new demands for a work-life balance.

Health Insurance, yes you can still buy it even with a hurricane approaching! Don’t put up shutters without it.

CMS announces special enrollment periods for those impacted by hurricanes The move would give people at least an additional two weeks to handle enrollment as the Trump administration had shortened the enrollment pe...

INTERESTING...

Thought this was funny! Welcome to life insurance awareness month.

Life Happens, insure it!

We Are Humans | Life Happens Life Happens is a nonprofit organization dedicated to helping consumers take personal financial responsibility through the ownership of life insurance and related products.

Could you afford to lose this much from your paycheck? If not Disability Income Insurance is the answer.

$1,166 per month is the average Social Security Disability payment. Could you live on that? If not, May is Disability Income Insurance Awareness month. Find out how affordable insuring your income from an injury or sickness can really be.

This is a true life story about the power of disability income insurance.

Long Road Back | Life Happens Life Happens is a nonprofit organization dedicated to helping consumers take personal financial responsibility through the ownership of life insurance and related products.

Disability Insurance Awareness Month is here. Let talk about protecting your income. You insure your car, home and maybe a boat. Why not insure your paycheck? Call me at 561-910-6208 or email [email protected] to get more information.

May is Disability Insurance Awareness Month.

Not Me! | Life Happens Life Happens is a nonprofit organization dedicated to helping consumers take personal financial responsibility through the ownership of life insurance and related products.

Leprechaun came to visit the office.

It's official! Name outside the building.

Dr. Sander's GMU fedeages - According to The Financial Times, the UK is in the throws of the longest sustained declined in real wages since 1862. However, UK mortgage approvals have been rising since 2008/2009. Contrast that with US mortgage purchase applications which remain dormant since 2010. Despite The Federal Reserve’s massive liquidity push, real median household income and average wage growth remain stagnant. http://ow.ly/2PmCZd

UK Real Wages In Longest Sustained Decline Since 1862, But Mortgage Approvals Rise (Comparison... According to The Financial Times, the UK is in the throws of the longest sustained declined in real wages since 1862. However, UK mortgage approvals have been rising since 2008/2009. Contrast that ...

60 minuntes did a story on Tax Refund Fraud and it is a real thing and one of my children, perhaps both have been victimized and identity stolen. Tragic and scary. Make sure to protect the whole family's credit.

https://m.facebook.com/60minutes/posts/10152711306104395?soft=notifications

Preview: The Tax Refund Scam All con artists need is a computer and an easily obtained list of stolen social security numbers to perpetrate a scam that has cost the U.S. Treasury billions of dollars in fraudulent tax refunds.

Dr. Sander's GMU 5+unitsgowht - Housing starts rose 6.3% in September … to 1993 levels. Single unit starts only rose 1.1% while 5+ unit (multifamily) starts were up 18.46%. Here is why. The US is a renter’s world for now thanks to declining/stagnant household income and wages (insufficient debt-to-income or DTI) and a declining work force. If you are an optimist, 1 unit housing starts have been rising since 2009 while average wage growth is 40% lower and mortgage purcha... http://ow.ly/2PipNY

Renters World: Housing Starts Rise 6.3% In September To 1993 Levels - Single Unit Starts Up... Housing starts rose 6.3% in September ... to 1993 levels. Single unit starts only rose 1.1% while 5+ unit (multifamily) starts were up 18.46%. Here is why. The US is a renter's world for now thanks...

Dr. Sander's GMU remaincalmalliswell - 2014 has been an interesting year for the US Treasury market. The 10 year Treasury yield has been falling steadily since January 1st. The 30 year Treasury yield has been falling as well. The slope of the yield curve (10Y – 2Y) has ALSO been falling. As if the declining Treasury yields and slope of the yield curve isn’t frightening enough, the equity volatility indices are spiking. Federal Reserve Chair Janet Yellen: “Remain calm. A... http://ow.ly/2Pcrb6

Dr. Sander's GMU Bloody Mary Morning: Dow Down 434 Points, US Treasury 10 Yield Down 17 BPS (Goldman Downgrades Q3/Q4 GDP Forecast) http://ow.ly/2PaKkF

Bloody Mary Morning: Dow Down 434 Points, US Treasury 10 Yield Down 17 BPS (Goldman Downgrades... As Willie Nelson used to sing "It's a Bloody May Morning." The economic news this morning was not good. Retail sales were weaker than expected, as was the Empire Manufacturing index. And Goldman Sa...

Dr. Sander's GMU housefedrimice - Mortgage applications increased 5.6 percent from one week earlier, according to data from the Mortgage Bankers Association’s (MBA) Weekly Mortgage Applications Survey for the week ending October 10, 2014. The unadjusted Purchase Index decreased 0.3 percent compared with the previous week and was 4 percent lower than the same week one year ago. The adjusted Purchase Index decreased 0.7 percent compared with the previous week and remains ... http://ow.ly/2P9RD8

Dr. Sander's GMU adg8oeq - Dixon, IL. Really?? http://ow.ly/2P5IMC

Dr. Sander's GMU Americans Poorer Now Than In 1989 (Wonder Why The Housing Market Isn't Recovering?) http://ow.ly/2P3jte

Americans Poorer Now Than In 1989 (Wonder Why The Housing Market Isn't Recovering?) Americans, or at least the Middle Class, is poorer now than in 1989. According to The Federal Reserve, real median net worth for the USA is now lower than in 1989. The primary reason for the lower ...