Day: October 20, 2022

How to ensure your family is taken care of financially in the event of your deathHow to ensure your family is taken care of financially in the event of your death

Even though your loved ones are financially supported,they will also be terribly affected by your passing. If you and your spouse tend to be the one who manages the household money,you might be concerned about what would happen to your spouse if you die. Will they be able to afford it after you die? When you die,will they be able to afford it? Because your loved ones know what to do when you die,right? Will you leave money to your children as a gift? These are normal concerns and questions we should ask ourselves in order to prepare ourselves properly to provide for our loved ones. We at Engarde Financial Group can help you manage the stress that comes with planning for your death. In this article,we will discuss some of the things you should consider when you are planning on passing.

Recognize your role 

It is logical to think about retirement planning,but there are many things you may not have thought of. How will your absence affect the income of your household when you are away? But the information above may be misleading. If you have a pension plan,what will you receive? Check if your pension agreement provides that your surviving spouse will be provided with income for life. Also check if you are receiving pension income in the form of an Annuity or a Final Salary pension. Get a look at your situation to see where you stand if you are both 67 or if only you are 67 and your partner is a surviving spouse. Generally,surviving spouses do not immediately get their deceased partner’s State Pension,contrary to popular belief. You could still receive nothing from the State Pension. This is not the case,and you may not receive any money whatsoever from the state.

Insurance 

If one of you dies before your family gets everything it needs,you will find that getting life insurance protects all your assets,including your retirement funds. You may need to talk to an insurance company,like Engarde Financial Group,if you want to protect your investments for your children or pay off a mortgage. You may want to get life insurance,or you may be curious about buying other types of insurance. Talking to an insurance agent can help. Together,we can make sure your family is taken care of.

Put your Will in order

When was the last time you went through your Will? Check to see if your Will is in a place that is accessible to everyone,and whether your wishes are still expressed in it. Pay attention to people who are named as Executors in your Will,because they will be in charge of managing,distributing,and caring for your assets after you die. Will they act promptly and favorably toward you and your partner? Also,if you haven’t already done that,you should create Lasting Powers of Attorney for yourself and your spouse. If you become unable to manage your finances on your own,you can name a trusted third party to manage your affairs.

Organize your investments and pensions

You may be managing multiple investments and pensions with various providers,using a variety of different strategies. Do you have all your finances in order that your partner can help when you pass away? Eventually,it may be useful to consolidate everything into one place,making things more efficient and reducing bureaucracy.

Simple is best

We at Engarde Financial Group look at every situation differently. There is no such thing as one size fits all when it comes to your financial needs. Insurance is a huge factor to consider when it comes to preparing for the unexpected. What you do with your life insurance can make all the difference in ensuring that the people you love are taken care of. Also,make sure to get advice from an investment advisor and a lawyer regarding your Will and your investments.

4 Benefits of Having a Watson Water Treatment System4 Benefits of Having a Watson Water Treatment System

Meta description: Installation of a water treatment system by Watson Well can result in having water that is a lot cleaner,safer,and more easily flowing on your property.

Watson water treatment systems are well-known across California.

But what makes them so special? Why are people so excited about having a special lighting fixture installed on their properties? Let’s find out.

Purer,Fresher Smelling Water

Municipalities add vast amounts of chlorine and other antibacterial and fungicidal agents to the water supply to make it safe to drink. But even though many people believe that drinking water from a tap is safe,only 33 percent of Americans actually drink it. Some people find that drinking water from the tap is safe,but really,it can taste bad.

There can be many reasons why tap water tastes bad. For water mains or wells that have copper piping,lots of total dissolved solids can be pumped out of them. Putting old copper pipes in a well causes corrosion in the water and this causes a funny taste.

Some people complain that the tap water that they drink tastes like something that smells fishy or earthy. This is because untreated algae is growing in the water or because water suppliers fail to treat it.

Watson water treatment systems can remove all of these impurities. The result is water that tastes as good as distilled.

Safer Drinking Water

Researchers say municipal water and water from wells may contain heavy metals. These include arsenic,antimony,cadmium,chromium,and lead. Many of these heavy metals are more toxic than approved safe levels that are recommended by the EPA and other health authorities.

Ingestion of heavy metals can cause serious illness. Cadmium,for instance,can reduce bone density and disrupt composition. Lead is a powerful neurotoxin that can cause brain damage and increase blood pressure. And antimony can cause heart and kidney problems,and dermatitis.

Drinking water may also contain dangerous pathogens such as E. Coli that can cause vomiting,diarrhea,stomach cramps,fever,fatigue,and,in extreme cases,death.

Watson water treatment systems help improve the quality of water that people drink. By removing heavy metals and germs,they can help make drinking water safe.

Reduced Iron Staining

Iron in wells and water pipes can be extremely harmful to human health; water that flows from untreated wells and water systems can contain high levels of iron. Metals like iron don’t really cause any serious harm to humans,but they can severely damage baths,showers,and sinks,which means expensive repairs for owners.

With filtered water systems from Watson,homeowners will no longer have to worry about this problem. Homeowners can easily remove iron from their water supplies,thereby reducing the damage to their appliances and lowering the maintenance costs.

Improve Water Flow

Lastly,installing a Watson water filter system can improve the flow of water around your property.

Over a period of time,pipes in hard water areas will “fur up” – that is,build up deposits. This can cause low water pressure,clogged faucets and showers,and even blockages in sinks and other plumbing fixtures.

Watson filters are able to capture and remove these deposits while they are still in the pipes. As a result,no more expensive repairs or replacement parts are required. Resulting from the Watson water filtration system,pipes are clean and unclogged for a long time,reducing the need for repairs and replacements. For detailed information about Watson Water Treatment Systems,please click here to go to our website.