Do you really need Funeral Expenses Insurance?



       Death is 99% guaranteed. 
        When will it be?  Who knows?

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1 - The cost to die is higher than the cost to be born! 
2 - This is why we are passionate about protecting you, and your family.
3 - Protecting you from panic due to the cost of death. 
4 - Protecting your savings (if any).
5 - Protecting your peace of mind now, and your legacy later.

Here is below an estimated cost of funeral in an average city in the USA.

*fee for the funeral director's services: $1,500
*cost for a casket: $2,300
*embalming: $500
*cost for using the funeral home for the actual funeral service: $500
*cost of a grave site: $1,000
*cost to dig the grave: $600
*cost of a grave liner or outer burial container: $1,000
*cost of a headstone: $1,500

Note that cremation is an option. And the cost ranges between $2,000 - $6,000.

1 - You can do something about the cost of dying by protecting with insurance.
2 - It is much more affordable than most people realize.
3 - Depending on your health condition, you can get coverage from day one.

4 - Just a cup of coffee a day! Funeral expenses coverage - makes a lot of sense.
5 - Contact me via this form - ShareLife!  Or via Email. Or by phone - #760 713 6242

Stay safe!

Ana / Your Agent 4 Life!

Why we celebrate Thanksgiving Day?

Image result for i am thankful

Many Americans think of Thanksgiving as a long weekend to gather with family and friends and savor a big feast with turkey, pumpkin pie, sweet potatoes and cranberries and more.

After the first harvest in the New World in October 1621,  the "First Thanksgiving" was celebrated by the Pilgrims. A celebration of autumn harvest. Both the Plymouth colonists and Wampanoag Indians shared the joy of blessings from above.   

The colonists hunted for turkeys in the 1621 and turkey is a uniquely American bird and by tradition it became a must choice as Thanksgiving meal for Americans. 

The Thanksgiving holiday was used to teach children about American freedom and how to be good citizens.

May we go back to basics and listen to Governor William Bradford of the 1620 Pilgrim Colony who proclaimed : 

  "All ye Pilgrims with your wives and little ones, do gather at the Meeting House, 
on the hill… there to listen to the pastor, and render Thanksgiving to 
the Almighty God for all His blessings."

And keep listening to President Abraham Lincoln who proclaimed, by Act of Congress, on October 3, 1863, an annual National Day of Thanksgiving "a day of Thanksgiving and Praise to our beneficent Father who dwelleth in the heavens."  In this Thanksgiving proclamation, our 16th President says that it is…

"…announced in the Holy Scriptures and proven by all history, that those nations are blessed whose God is the Lord… But we have forgotten God. We have forgotten the gracious hand which preserved us in peace and multiplied and enriched and strengthened us, and we have vainly imagined, by the deceitfulness of our hearts, that all these blessings were produced by some superior wisdom and virtue of our own… It has seemed to me fit and proper that God should be solemnly, reverently and gratefully acknowledged, as with one heart and one voice, by the whole American people…"
Thanksgiving is a day to celebrate best cooking from Mama or Grand-mama or best restaurant in town.  

THEREFORE - let us teach our children and young and renew in the homes, churches, schools, communities and the nation the true meaning of Thanksgiving Day. To acknowledge God Almighty as our provider and who multiplies the work of our hands and blesses us everyday. 

The future is coming - let us look back to the past foundations of this great nation and country.

It is Friday! Relax and enjoy the recipe below. Keep it simple!

 Banana Sour Cream Bread Recipe


  • 1/4 cup white sugar
  • 1 teaspoon ground cinnamon
  • 3/4 cup butter
  • 3 cups white sugar
  • 3 eggs
  • 6 very ripe bananas, mashed
  • 1 (16 ounce) container sour cream
  • 2 teaspoons vanilla extract
  • 2 teaspoons ground cinnamon
  • 1/2 teaspoon salt
  • 3 teaspoons baking soda
  • 4 1/2 cups all-purpose flour
  • 1 cup chopped walnuts (optional)


  1. Preheat oven to 300 degrees F (150 degrees C). Grease four 7x3 inch loaf pans. In a small bowl, stir together 1/4 cup white sugar and 1 teaspoon cinnamon. Dust pans lightly with cinnamon and sugar mixture.
  2. In a large bowl, cream butter and 3 cups sugar. Mix in eggs, mashed bananas, sour cream, vanilla and cinnamon. Mix in salt, baking soda and flour. Stir in nuts. Divide into prepared pans.
  3. Bake for 1 hour, until a toothpick inserted in center comes out clean.

Nutritional Information

Amount Per Serving Calories: 263 | Total Fat: 10.5g | Cholesterol: 38mg

A Good Brain Work-out!

TAKE NOTE - Speaking more than one language protects the brain against cognitive  decline and makes a person better at multi-tasking, researchers said.

Being bilingual, or even learning a second language late in life, has been shown to slow the decline of some key brain functions, said Ellen Bialystok of York University in Canada, at the annual meeting of the American Association for the Advancement of Science (AAAS).

A study co-authored by Bialystok found that people who spoke more than one language were diagnosed with Alzheimer's disease 4.3 years later and reported the onset of symptoms 5.1 years later than monolingual patients.

"One of the reasons bilingualism has these powerful mechanisms including protecting against early symptoms of dementia is because it's one way to keep your brain active," Bialystok told reporters.
"Every little bit helps. The longer you've been bilingual, the more you use all your languages, the more fluent you are, all of those things contribute.
"Even if you're starting to learn a language at 40, 50, or 60, you're unlikely to become bilingual, but you are keeping your brain active. So you're contributing to cognitive reserve through very engaging and intense activity," she said.

Cognitive reserve has been defined by Yaakov Stern of Columbia University's Department of Neurology as the ability to recruit different brain networks to optimize brain performance.

"Bilingualism is a cognitively demanding condition that contributes to cognitive reserve in much the same way as do other stimulating intellectual and social activities," said the study co-authored by Bialystok and published in Neurology late last year.
Other studies have found that bilingual people are better than monolinguals at shutting out distractions and focusing on what's important, which makes them better at multi-tasking, Amy Weinberg of the University of Maryland said at the conference.

"Getting to some level of proficiency in a second language certainly makes you an expert multi-tasker," Weinberg, a professor of linguistics, told AFP.

"When you're speaking, all the languages you speak are turned on, and you have to activate a mechanism in the brain that allows you to limit interference from one language when talking in the other," she said.

"You're juggling all kinds of mental balls as a bilingual," she said.
This mental juggling act is what makes people who speak more than one language more adept at managing several tasks at once, agreed Judith Kroll, director of the center for language studies at Penn State University.

"The bilingual is somehow able to negotiate between the competition of the languages, and the speculation is that these cognitive skills come from this juggling of languages," she said.
But an ability to speak English, Chinese, Russian and Creole, for example, does not make a person more intelligent.

"Bilinguals simply acquire specific types of expertise that help them attend to critical tasks and ignore irrelevant information," said Kroll.

THEREFORE  -  Speaking more than one language protects the brain against cognitive  decline and makes a person better at multi-tasking.

You can spring!

Spring is just around the corner.     
We spring our clocks ahead one hour.
We start planning spring cleaning.
We long for warmer weather, specially you all in the East Coast and Midwest.

It always amazes me the cycles of season and time. A renewal opportunity.

Let us get in touch again with our goals and objectives as we live along into another season.

Failures can be blessings in disguise if we can just learn with them. Don't get discouraged and never give up. Set sight again in your goals and get going.

Spring must bring hope for new beginnings. As a seed planted in the ground and watered has potential to grow and birth over ground, so do our seeds of good will and decency planted in the souls and watered with love and faith bring forth better persons and better communities.

Let us start at home and in our churches and in our schools and in our neighborhoods building bridges among us.

Enough bad out there. Get out and make something good spring!

Let me know your questions about insurance plans, and about funding options for a church, a business, a non-profit.

Be well.