Broughtto you by:
Bill Hurlbut, CLU
Hurlbut Insurance Services
1933 Schumac Ln.
Bedford, TX 76022
817-685-2915
bill@hurlbutinsurance.com
About Our Firm:
Bringing you 39 years of experience to help meet your needs in the areas of life insurance, health insurance, disability insurance, long term care insurance, cancer insurance, fixed annuities, group insurance and employee benefit plans.

You may also want to check out HEB Health Insurance for no obligation health insurance quotes.
QUOTES fromtheMasters...
On Integrity On Kindness
"Alwaysdo right!  This will gratify some people and astonish the rest." -– Mark Twain

"A"NO" uttered from deepest conviction is better and greater than a "YES"merely uttered to please, or what is worse, to avoid trouble." -- Mahatma Gandhi

"Thevirtue of man ought to be measured, not by his extraordinary exertions,but by his everyday conduct." -- BlaisePascal

"Ibelieve...that every human mind feels pleasure in doing good to another."-- Thomas Jefferson

"Theworld is my country, all mankind are my brethren, and to do good is myreligion." -- Thomas Paine

"Toooften we underestimate the power of a touch, a smile, a kind word, a listeningear, an honest compliment, or the smallest act of caring, all of whichhave the potential to turn a life around." -- Leo Buscaglia 

"Becausethe soul has such deep roots in personal and social life and its valuesrun so contrary to modern concerns, caring for the soul may well turn outto be a radical act, a challenge to accepted norms." -- ThomasMoore


Retirement Readings Document Checklist


You mayfind this Document Checklist of assistance in your planning. 

Pleasecontact my office if we can be of further assistance.

Document

Location

Personal:

Birth Certificate

_______________________________

Marriage License

_______________________________

Pre- or Post-Nuptial Agreement

_______________________________

Will

_______________________________

Trust(s)

_______________________________

Living Will(s)/Power(s) of Attorney

_______________________________

Mortgage Papers

_______________________________

Automobile Titles/Papers

_______________________________

Income Tax Returns

_______________________________

Gift Tax Returns

_______________________________

Insurance Policies

_______________________________

Employee Benefit Documents

_______________________________

Passport

_______________________________

Military Records

_______________________________

Medical Records

_______________________________

Citizenship Papers

_______________________________

Warranties

_______________________________

Current Bills

_______________________________

Funeral/Burial Documents

_______________________________

Other: _________________________

_______________________________

Business Ownership:

Partnership/Incorporation Documents

_______________________________

Buy-Sell Agreement

_______________________________

Section 303 Stock Redemption Agreement

_______________________________

Business Valuation/Appraisal

_______________________________

Business Tax Returns

_______________________________

Other: _________________________

_______________________________

                                                                                                                          


MESSAGESfromthe Masters...
FOUR WAYS TO MASTER CHANGE by Sheila Murray Bethel

We are living in exciting age of unprecedented change. Today'saccelerated rate of change presents us with unique challenges andopportunities. When change brings success, keep your ego from gettingout of hand. When the change is negative, use your sense of humor toget through it. Once you learn to handle change, you can take yourskills, talents, and abilities and help others change. Let's look atfour ways to enhance your mastery of change.

1. Don't Fight It.

The natural tendency is to protect what you know and value, what hasbecome familiar and comfortable. Unfortunately the world will changewith or without you. So you must adapt again and again. You make yourlife so much more complicated when you fight the change. You causeyourself stress and can actually become ill. Remember the old SerenityPrayer: God grant me the serenity to accept the things I cannot change,The courage to change the things I can and the wisdom to know thedifference.
 
2. You don't have to like the Change.

No one ever said you have to like the changes you are experiencing.However, you do have to understand them so you can progress. Study,explore, and read everything you can about the current matters thataffect your perception and handling of change. Life is not always about"liking." It is about doing the best you can, with what you you've gotand getting on with it--right now!

3. Know what to defend against change.

There are some things we should resist changing because change does notalways translate into better. Change for the sake of change alone candestroy valuable situations, assets, and relationships. Many valuesdeserve to be defended. Ask yourself what you will change and what youwill defend.

4. Have a Sense of Humor.

Humor can give you a momentary "emotional vacation." A sense of humorcan conquer pretense, and diffused anger and hostility. It can take animpossible situation and change it into an acceptable one. The oldaxiom, "if you take yourself too seriously, no one else will," is key.The most effective people are spontaneous and can use humor to expresstheir feelings, and to encourage others.

When you set out to be a change master and to make a difference in thisworld, there is no guarantee that it will be easy. By learning aboutchange, serving others and helping them to learn to change, you willindeed be making a difference.


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The purposeof this newsletteris to provide information of general interest to our clients, potentialclients and other professionals.  The information provided isgeneralin nature and should not be considered complete information on anyproductor concept described.  For more complete information, pleasecontactmy office at the phone number above.

 
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