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In these difficult economic times, everyone is feeling the pain and stress of high unemployment, uncertain futures, foreclosures, bankruptcies, the news is not good on the economic front, and it is getting worse, not better.

 

What are people looking for most, to save money, plain and simple, we are entering an era of frugality, and as such, non profit organizations are sharing the pain.  It is more difficult to enlist volunteers, donors are pulling back and less and less people are able to purchase the traditional overpriced cookies, candy, pizza dough, wrapping paper and other near useless products most fundraisers sell.

 

Another issue is the lack of upfront funds most non profit organizations do not have to pre-purchase inventories which is required by these suppliers.  The risk is another factor if they do not meet their goals and have committed to certain value of products which compounds the risk factors in using traditional fundraiser products we are all familiar with.

 

Imagine being able to reward your volunteers which will attract more people than ever before given the extreme value our People Helping People Free Fundraiser.  We all know that our volunteers are the foundation of our success, so why not reward them with a free no cost, no obligation Family Legacy Life Benefit, plus Free RX Discount Plans, a Free Last Will and Testament, all of which most people do not or cannot afford, never mind have already.  Over 50% of families are not protected with either Life Benefits or a Will.

 

With healthcare costs rising monthly, this is another huge expense most people will face, so imagine offering a discount healthcare plan for those who are unemployed or have no healthcare insurance.  Yes, this is another huge value our organization provides members, so if your non profit organization is looking to truly help others, then this is the last fundtaiser you will ever need.  With our portfolio of benefits worth several thousands at minimum, and over ten thousand depending on size of family, health and age, who wouldn't want these benefits for free.

 

You will never find an easier or more profitable fundraiser program, and having researched them all over the years, I doubt you will find anything better, period.  It costs your organization nothing. You get a free personal orgamizational website which will track all your member referrals for you with monthly reports to allow you to manage your fundraiser from any computer, no complicated software required.  Imagine how the word of mouth will bring in thousands of members given the value of benefits, and no selling, just sharing and telling others.  It becomes a perpetual fundraiser as the word of mouth continues to bring in more and more free members, and for each, you receive a significant donation.

 

Imagine raising unlimited funds for your fundraiser or charity, in fact, any worthy cause you need to fund, we have the answer to your prayers thorugh our People Helping People organization.  To learn more on how this is all possible, please click on banner above and email us all your questions on what type of NPO, Charity, Church, what is your volunteer base, your goals, etc., and we will be happy to provide you more information.  No obligation, no one will call to sell you anything, this is truly a value no one will refuse, and this means unlimited funding which will exceed all your goals year after year. Peace of mind is what we offer people, protection at the time most needed, so join us and help us help you and your non profit organization. Having researched hundreds of non profit fundraisers over the years, nothing is more important than choosing free fundraisers in this difficult economic climate where donors and volunteers are equally suffering through this economic collapse which impacts everyone.. 

 

More Than Half of U.S. Households Lack Life Insurance: Survey

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Lynette Khalfani-CoxMore than half of all American households don't have life insurance, potentially jeopardizing millions of families' financial security in the event of a loved one's death.

According to a survey from LIMRA, a financial services industry group, the percentage of U.S. households with life insurance coverage stands at the lowest level in 50 years. LIMRA reports that only 44% of U.S. households own an individual life insurance policy, which gives a cash payout to one's beneficiaries when a policy holder dies.

Unfortunately, the recent economic recession has taken a toll on family budgets, and life insurance is one item that's been sacrificed as people struggle to make house payments, keep up with medical bills or pay credit cards and other debts.

The sad reality, though, is that by forgoing life insurance, many people are threatening their families' financial foundation.

"Many people think talking about life insurance is morbid," says Tamara Haskins, CEO of Haskins Wealth Management Group Inc. in Highland Park, N.J. "But we've all got to face reality."

"We're all going to die one day," Haskins notes, asking: "And when you do pass away, without life insurance who's going to pay for all those ongoing expenses, like food, clothing and shelter for the family – let alone longer-term costs, like your kids' college education?"

In addition to the fact that Americans are doing some serious belt-tightening, two other reasons explain the low number of insured families in the U.S. One is procrastination; the other is misinformation.

Many people put off buying life insurance, just like they delay creating a will, either because they're "too busy" or they simply don't want to confront the issue of dying.

Additionally, a lot of consumers mistakenly think that life insurance is solely intended for the main breadwinners in a family. But that's not always the case.

For example, even stay-at-home moms or stay-at-home dads should have life insurance, in order to replace the value of the services they bring to the family – services that would have to be paid for in the event of that parent's death.

Jeremy White, a CPA in Paducah, Ky., did some research to figure out the value of the services provided by a stay-at-home parent. His conclusion: The typical at-home mom delivers about $60,000 in annual services.

Meanwhile, financial planner Ric Edelman, who runs Edelman Financial Services in Fairfax, Va., believes an at-home mother's services are worth far more. According to Edelman, the 17 occupational duties a mother carries out – everything from child rearing to managing household finances to resolving family emotional problems – are more adequately valued at $508,700 in wages. (Edelman arrived at that figure by adding up the median annual salaries of the 17 occupations).

Experts do generally agree, however, that for most stay-at-home moms and dads, term life insurance is your best option. Compared with permanent life insurance, term life insurance is the most affordable, and the premiums are fixed.

Finally, single people and those without children sometimes think they don't need life insurance. That's a big mistake. Even if you don't provide support for children, aging parents or other family members, at the very least every adult should have a basic life insurance policy – known as "finance expense insurance" – that only covers their burial costs. With this coverage, family members and friends wouldn't have to bear the financial burden of a funeral, in addition to the emotional grief they'll undoubtedly be experiencing over the passing.

According to the 2010 funeral price survey by the National Funeral Directors Association, the average funeral cost – excluding cemetery expense – for an adult funeral is $7,775.00. This figure includes expenses for a traditional funeral. But when you add in cemetery costs, including a grave space, a grave marker and opening/closing the grave, that's typically another $1,500 to $2,500, bringing the total average funeral and burial cost to more like $9,000 to $10,000.

By the way, final expense insurance is also particularly helpful for older people, who may be worried about qualifying for life insurance. With a final expense policy, you can be perfectly healthy or have had serious medical problems, and still get the insurance. That's because this coverage requires little or no underwriting and you don't have to undergo the usual medical exams to secure the insurance.

If you're unsure about how much life insurance is appropriate, contact an insurance agent for help. You can also do some preliminary work by getting online and making some educated calculations about how much life insurance is appropriate for your particular situation.

The Life and Health Insurance Foundation for Education (LIFE), a non-profit organization, offers a good, easy-to-use Life Insurance Needs Calculator.
 

 

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#
Date
Medication
Type
Quantity
Retail
Paid
Savings $
Savings %
Pharmacy
1
6/13/2009
ONDANSETRON HCL 8 MG TABLET
Generic
50
$ 2,068.00
$ 220.76
$ 1,847.24
89.32%
K MART PHARMACY
2
4/17/2009
ZOLPIDEM TARTRATE 5 MG TABLET
Generic
270
$ 1,258.86
$ 80.99
$ 1,177.87
93.56%
SAV ON PHARMACY
3
9/23/2008
BUPROPION HCL SR 200 MG TAB
Generic
180
$ 694.94
$ 177.17
$ 517.77
74.50%
TARGET
4
5/19/2009
SIMVASTATIN 40 MG TABLET
Generic
100
$ 495.40
$ 25.00
$ 470.40
94.95%
TARGET
5
5/15/2009
SERTRALINE HCL 100 MG TABLET
Generic
180
$ 517.69
$ 47.70
$ 469.99
90.78%
TARGET
6
4/30/2009
CARISOPRODOL CPD-CODEINE TAB
Generic
240
$ 671.00
$ 223.81
$ 447.19
66.64%
TARGET
7
4/29/2009
FLUOXETINE HCL 20 MG CAPSULE
Generic
180
$ 460.75
$ 15.52
$ 445.23
96.63%
TARGET
8
6/1/2009
FENTANYL 100 MCG/HR PATCH
Generic
15
$ 810.40
$ 377.32
$ 433.08
53.44%
SAV ON PHARMACY
9
6/8/2009
ALPRAZOLAM 2 MG TABLET
Generic
240
$ 476.62
$ 48.63
$ 427.99
89.79%
TARGET
10
5/5/2009
TRAMADOL HCL 50 MG TABLET
Generic
540
$ 454.77
$ 30.15
$ 424.62
93.37%
K MART PHARMACY

 

 
 

 

 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 

 

 

 

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