Lu Casillas

About Lu Casillas

Educator and Creator of Blend2Day, Supporting women to find Balance in Life, Educating one another through Networking and making your Dreams become reality. As a specialist at FCA it is my goal to help you create a wealth preservation strategy that allows you access to funds while also building a lifetime income stream. Contact Lu at www.blend2day.com or lu@blend2day.com.

What is Your Money Mode?

You work hard for your money. You have plans and dreams for now and for your future. Sometimes we are so busy generating revenue that we do not think about how we can preserve it or use it to ensure we have a solid financial future. Let’s look at your money mode. 

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Crazy $exy Money 

Can money be sexy? This is all about the CRAZY, the SEXY and the MONEY.

Celebrate this, ladies! We can make it, save it, spend it, invest it and enjoy it. One of the greatest gifts today is the freedom to be as creative as we want and make money doing the things that we love. Isn’t that CRAZY?

The fact that we can do business in a home office and not have to live the traditional regimen of 8-5, 9-6 or 10-7 is fascinating. Think about it. Even if some of you have a traditional work lifestyle, there are options trending that are making it more lifestyle friendly. Having a business that is lifestyle friendly? I call that SEXY!

Now that we’re clear that we are all crazy and sexy let’s talk about the money. Times are changing and it is important now more than ever to start understanding the changes coming. There will be market adjustments. Your money is subject to losses and fees. Now is the time to at least look at creating that lower risk bucket. The key is looking at your future goals and plans.

In reality, more money will be needed at retirement. Would you rather live with less money or what you’re accustomed to? Many assume less. LIFE Happens. Think about it.

What if you could actually take 10 percent of your annual income today and invest in a 10-year plan that will reduce future taxes, provide protection in a health emergency and grow with compound interest, not subject to loss with lifetime income attached? Would you do it?

The wave of your financial future is here. Let me educate you on a system that could be life-changing for you. That’s Crazy $exy MONEY for you!

The Power of 10

With so much conversation about money and ideas on what and where to put it, do you ever just want to ask the question, can you HELP me?

Then we start talking about it to friends and now as a group, we are all the expert.  Sometimes with everyone acting as the expert sharing what they thought did or didn’t work, has now become more like the old game we played as kids called “Telephone.”  The words passed from ear-to-ear change and ultimately the information is incorrect. We may hear about someone’s unfortunate outcome with an annuity. When the person was actually put into a plan that wasn’t correct for them in the first place. They only know the pain of their particular experience. After hearing all of this you now become mentally paralyzed.  In reality, there are some great annuities that will pay you for the rest of your life and can be transferred to a beneficiary:  Win-Win.

Example: An income of $100,000

How about that saying of putting 10 percent of your money away annually for retirement?  Let’s put away $833 a month for the next ten years.  It almost seems unattainable. First reaction, “Oh my gosh, are you kidding me?”

Now if I say to you, let’s create a plan for ten years based on your income of $100,000 and fund it with $10,000 annually with guarantees that you will not only have growth capped, meaning that there will be a ceiling and a floor so that you never lose principle. Growth is compound and guaranteed; one that will offer you a larger amount to pull from in case of an emergency, will reduce future taxes and pay you a tax-free income for life. WHAT WOULD YOU SAY?

We need multiple streams of income going forward. Are you ready?

 

Your Financial Sandcastle

Is your financial sandcastle sturdy or is it washing away? I had the pleasure hearing Michael Bernard
Beckwith, founder of Agape, speak about goals using a sandcastle analogy. It made me think of how we as a population can be that way with our finances.

It is time to take innovative action with regard to our finances, especially this new year 2017. There are actions that were taken before the election that will be game changers as we, as a country, move forward.  

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Winning or Losing?

By Lu Casillas

Are we as women winning or losing in our financial house? Realistically as women we are making more money than ever before. We have made strides over the decades creating our own businesses and surpassing that glass ceiling. One thing that is getting overlooked in most cases ( statistically)  is the FUTURE.

If you had a magical ball and could see your financial future what would it look like?

Those that follow me have heard me speak about women wearing several hats.

Examples;

parent,child,babysitter,at home doctor,therapist,healer,listener,shopper,chef,housekeeper,animal sitter,caregiver,chauffeur…

This refers to what we as women handle on a daily, weekly, monthly or yearly basis. What is happening to us as we age gracefully? We have increased our income. However our children & parents are aging.

Some of you are the “Sandwich Generation” taking care of aging parents and parenting children.

Some are taking early retirement and allowing someone referred by your company to put all of that money at risk because your company doesn’t want fiduciary liability for the outcome of potential losses.

Some may be dealing with a career as well as being the caregiver for a parent. How do we juggle this without financial help?

It has been written that women are actually at risk for future financial danger! Isn’t it time to alleviate this risk? Retirement healthcare costs average $130,000 per person! This could be devastating.

How do we WIN in this game of life? It is crucial these days to be open to what is working that you are not being told enough about.

I am an advocate for Living Benefits and not all are created equally. These products can be a financial life saver. Insured products are your safety net. Don’t be afraid, Be PROACTIVE. Today we have tools that provide what yesterday’s tools cannot provide.

Women and Income

lu-casillas-digital-image-6Should women really consider having two forms of income? Have you ever looked at your closest circle of friends? You may have a friend who has a career, a friend who has a career and a part-time job, or even a friend who started her own side business on top of what she already does.

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Financial Abundance

abundanceThis is a question that I love. It evokes many thoughts from the incredibly greedy to the thoughtful giving. When we put ourselves in a state of need we can block the greatness that can create abundance.

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Life Insurance As An Asset?

 

life insurance

Life Insurance. When you think of assets what comes to mind? When thinking about your future money the more diverse the assets the better. Most people like bonds,fixed or cash products because they are SAFE! What happens when “LIFE” throws you a curve-ball?

 

You may have been diagnosed with an illness and now you need to start dipping into that bucket. Now you face depleting that bucket and can you or will you ever be able to replace that outgoing money?

 

Let’s look at another asset that could perform in many “curve-ball” instances, one that you may not even be aware of, one that can used for a plethora of “Life Situations”

It is Life Insurance!

Are you surprised? The reality is that most people aren’t taught the beauty of Life Insurance as an Asset Class. Its looked upon as an expense. Canceled first if financial stress happens as if it were a gym membership.

The problem with that is you are only able to get Life Insurance if you are healthy and the younger you get it, the less expensive it is.

Q: Where did people have their money during the great depression?

  1. Bank
  2. Cookie jar
  3. Insurance Company

Fact; During the great depression the only people who were financially comfortable had all of their money in INSURED  INVESTMENTS! AKA; Life Insurance!

When constructed correctly with the correct company it could be one of the greatest assets you can provide yourself with. It can also protect your business, your family and You in case of an unforeseen illness. This is so personal and when structured correctly with your individual needs, it could give you everything you ever need for a financially comfortable future.
Let’s have a discussion about this. Its Life Changing.

Life Changing

By Lu Casillas

This can be Life Changing. 

$100 in cash 5x20

Let’s talk about your children, grandchildren,nieces and nephews. How would you feel if you could create a

“Life Changing” situation for them that is positive and protects them throughout their lifetime? Some verbs that come to mind are: Rejoice, Savvy, Surprise and Pleasure. 

Either we are unaware that it can be done or we are advised of a plan that is great for education but cannot be used for anything other than education. Let’s get realistic. We may want our children to go to college, however, today there is no guarantee. We have generations of High-Tech Brainiac’s, entrepreneurs and incredibly gifted young people and some have no desire or reason to go to college, or It interferes as an asset and can be used against you when trying to get funding or scholarships.

So what happens with the money locked up in that “College Plan”? Well, I interviewed a bank manager and this is what was told to me verbatim. “Well, you could go back to school or give it to another kid that wants to go to school.” In reality if it isn’t used for education you can take it out pay all the taxes and now do what you will with it.

 

What if I showed you that with as little as $100 a month you could create amazing possibilities for a child’s future? Possibilities that could be life changing. If an injury or illness arises, there is money in place to handle costs.

 

It could be used for college, a wedding ,a first home, future Tax-Free Lifetime Income and its not looked at as an asset when applying for scholarships or loans. Could you get excited? Would you reach out to me? It’s time to learn about this amazing plan.

Wealth or Finances?

I recently asked a woman about her wealth accumulation plans. She was completely unenrolled in the topic. When I asked her why she replied,” I am not wealthy nor will I ever be!”  I asked her “ How do you feel about your finances?” She completely opened up.

Does the word WEALTH frighten you? If so why?

thinking

I see WEALTH as an abundance in every area of life. We do gravitate to assume it only means the state of being rich; material prosperity.

Houses of wealth can be be found in your Health,Financial, Family or Love areas as an example.

 

I heard something today and it was mind blowing by Van Mueller. Did you know that our country has 323 million people in it and 162 million of them are on benefits, We have 50 million retirees and we had more workers in the year 2000 then there are right now! We are over $19.4 Trillion in debt and it will take EIGHT GENERATIONS to fix this.

 

Why do people get paid on Friday and by Monday morning they are BROKE? What is that thinking or lack of thinking?

 

If you saved one million dollars for your retirement today at 5% growth would you feel set for life?

Let’s look .

After taxes (apx 30%) You would have about $35,000 in annual income. Just about $3,000 in monthly income! If you were accustomed to making $8,000 monthly could you actually live on less than half of that? Let me answer for you. NO.
Back to the woman I started speaking about. She got it! Wealth is positive, Finance is positive. She needed  a conversation that no one would have with her. You have untapped options and I can help. Why not have financial quality in your life. It’s not about putting your money at RISK, It’s about making sure it’s not volatile!