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6 Jobs That Could Die Out

What do you want to be when you grow up? That has been one of the leading questions in most people’s lives since they were little. With so many career choices out there, it can be a little daunting entering into the job world. However, some jobs are not as stable as others. Make sure to avoid these 6 careers that are in danger of dying out when you are looking for your future career.

  1. Retail salesperson. With the ease of automated service, one salesperson can now do the job of 20 people. The rise of online stores is also helping to contribute to the fall of the retail salesperson position.
  2. Loan officer. With a 98 percent risk of computerization, loan officer positions are dwindling. More and more technology is coming out that is able to analyze applications almost instantly, giving the technology an advantage over people.
  3. Library technician. Library technicians are almost at 100 percent risk of computerization, at just one percent lower at 99 percent. Much of their work can be done through computers and automated catalogs.
  4. Telemarketer. With the rapid growth of call-centers, the number of people that are required to do a telemarketing job is dramatically decreasing.
  5. Dental laboratory technician. With a 97 percent risk of computerization, a dental laboratory technician are quickly being pushed out by new technology. The new technology can come up with faster results, which leads to a quicker turnaround process.
  6. Mathematical technician. New computers are now able to do the work of math technicians, at a much faster rate than people, making the risk of the career to be computerized a high 99 percent.

For more information on a career in the insurance market, that has a very low risk of dying out, contact Access First Insurance.

Did You Know You can Use Life Insurance to Maximize Your Pension?

Your life insurance policy can be used for more than just death benefits. Life insurance can also be used for pension maximization, which is typically used in conjunction with defined benefit qualified pension plans. Pension maximization is a great way to gain needed death benefit protection, while also helping you be able to get the most out of your defined pension benefits.

When choosing how to receive the monthly benefits of the plan on a typical pension plan, you first must choose between a life only benefit and a joint and survivor benefit. The life only benefit will pay the maximum benefit, but when you pass away, your spouse will no longer receive the benefits. The joint and survivor benefit will pay a reduced benefit and allows your spouse to continue receiving benefits after you die.

By using a pension maximization strategy of your life insurance plan is designed to be a middle ground between the two plans. It will allow you to receive higher pension benefits, while also allowing the benefits to be paid to your spouse after your passing.

There are many advantages to choosing a maximization strategy for your life insurance plan, including an opportunity to pass money to heirs and immediate financial protection and control. However, there are also some disadvantages. Some of the disadvantages including that your spouse may lose medical benefits, or the chance that you may not choosing the right amount of life insurance coverage to provide the financial coverage that your spouse needs.

For more information on how you can use your life insurance to maximize your pension, contact Access First Insurance in Eagle, Idaho. We can also help you find the best life insurance policy that will ensure that you and your spouse are financially secure later in life.

5 Tips to Save on Back to School Supplies

With school starting before you know it, it is the perfect time to start buying school supplies for your children. Even just having one child can mean long and pricy bills when buying all the necessary supplies. Keep these tips in mind to help you save money when buying new school supplies.

  1. Shop early for supplies, but not too early. If you get the list of school supplies during the summer, try to start shopping when they go on sale, which is usually right after the 4th of July. Start by only buying supplies that are on sale, unless they seem like they may be particularly hard to find elsewhere. If you wait too long, many of the sales will end.
  2. Shop around for school uniforms. Look for shoes and blouses online, since they are usually less expensive. Also make sure to go to different stores to ensure you are getting the best price.
  3. Anticipate school supplies. If you do not have your child’s list of supplies when the sales are going on, purchase items that you are sure will be needed. These are items such as pencils, paper, and glue. Also consider buying items that can be used at home if they are not needed for school. Always make sure to get a receipt so that you can return items if they will not be used.
  4. Buy in bulk. Buy large amounts of anything that will run out during the year, such as paper or pencils. Prices tend to go up when school starts, so you will not be able to get as good of a deal.
  5. Reuse last year’s supplies when possible. Many items, such as backpacks, water bottles, and lunchboxes can be saved and used for years to help save money.

Access First Insurance would like encourage you to follow these tips to ensure that your child is prepared to have a productive school year.

Ease Your Fear of Flying with these Tips

With all of the recent airline crashes, it can be easy to be a little nervous to fly. While there is actually a very small chance that you will be in a plane crash, it can easily cross your mind while boarding. Keep these simple tips in mind to help give you peace of mind when flying.

  • Avoid the news. Do not read every detail about a recent crash, or watch every news story on the situation. Also avoid any TV shows or movies that deal with plane crashes in the time leading up to your flight.
  • Remember the facts. There are many statistics out there that show that you are much more likely to slip in the bathtub and die than you are to pass in a plane crash. Low estimates show that you have a 1 in 11 million chance of dying in a plane crash, which make flying much safer than driving.
  • Think positively. The way that you think about flying can increase anxiety levels. Make sure to use calming words when talking about your anxiety of flying.
  • Focus on relaxation techniques. Take deep breaths to help you keep calm whole on the plane by lowering your heart rate.
  • Distract yourself. Being different items that can help keep your mind off flying, such as games, magazines, or books. There are even some airports that offer therapy dogs to help keep passengers calm before boarding a plane.
  • Seek out support. There are many support groups available that can help you deal with your fear.
  • Use technology. There are a number of phone apps that can help provide peace of mind by coaching. They give advice on relaxation exercises and reassuring facts about flying.

Access First Insurance would like to encourage you to follow these tips to help ease your fear of flying.

Save on Your Auto Insurance Policy

Having a child that is away at college is a very proud time for most parents. It can also be an expensive time, between paying for tuition, housing, and books. While you may not be able to get a discount on the necessary textbooks your child needs, you can save some money on your auto insurance policy while they are away. Keep these options in mind when you child moves into their first dorm room.

  • Remove your child from you policy. If your child is going to school more than 100 miles away, most insurance providers will allow you to take them off of your auto policy. Most insurance agencies believe that if your child is going to school less than 100 miles away, there is a higher chance that they will regularly come home and use your vehicle.
  • Student away discount. If you want to keep your child on your auto insurance policy, just in case they do come back and need to use your vehicle, you can opt for a student away discount. If your child is going to school at least 100 miles away, but you still want them to be insured, most companies will offer a 15 to 30 percent discount.
  • Occasional driver. If you child drives less than 25 percent of the car’s annual mileage, they can be insured as an occasional driver, which can lower your insurance costs.
  • Good student discount. If you are planning to keep your child on your auto insurance policy while they are at college, and they have at least a “B” average, you can save up to 25 percent on your auto insurance.

When it comes to finding the best auto insurance policy for you and your college student, contact Access First Insurance. As an independent insurance agency, they can help make sure you get the best auto insurance policy at the right price.

Update Your Home With a New Coat of Paint

Painting your home is a great way to update the property. While choosing a professional painter can save you some of the hassle of painting yourself, it will also end up costing you more money. Painting your own home can allow you to have complete control over the whole process, and save you hundreds of dollars in the process. Follow these 6 painting tips to ensure your home looks its best after painting.

  1. Choose your color. Think about the look you are trying to achieve when painting. Darker colors will make your home warmer and cozier, while lighter colors will make it more airy and open.
  2. Choosing your finish. There are many different finishes to choose from with paints, from flat to eggshell to high gloss. Matte finishes are easier to clean, while the more sheen to the paint, the more you will be able to see any imperfections.
  3. Test it out. Most paint companies will provide an oversized sample sheet that you can tape up to your wall to see if you like the color. These can be ordered through the paint company’s website.
  4. Get the supplies. Make sure to get supplies to repair the wall before painting, including a scraper, putty knife, caulk, and a caulk gun. You will also need different painting supplies, including an angular brush, roller brush, plastic sheeting, blue tape, paint tray, and a two step ladder that has a shelf.
  5. Prep your walls. Inspect your walls for any imperfections, including cracks, nail holes, and dings. Use putty to fill in any holes, and sand when it dries to ensure it stays flush with the wall.
  6. Paint the walls. After applying the blue tape around anything that is not getting painted, use the roller to paint the walls, and the angular brush to paint corners. Paint the baseboards last, and wait until the paint is dry to remove the tape.

When it comes to insuring your newly painted home, contact Access First Insurance.

It’s Never Too Early to Save for College

Sending a child off to college is one of the proudest moments in a parent’s life. It can also be a source of stress, especially when it comes time to figure out how to pay for your child’s higher education. Even if your child is years away from moving into their first dorm room, it is never too early to start saving for their college education.

While most colleges provide some type of financial aid for students, most of the time it is not enough to cover all the costs of schooling. With tuition prices increasing rapidly, over 50 percent in the past 10 years, there is no way to know exactly how much a college education is going to cost. Checking with different college cost projectors can provide a guideline of how much money you should be saving.

Once you find out a general estimation of how much college is going to cost, it is time to start saving. Experts agree that you should try to save at least one-third of your child’s college cost. This will allow you to pay one-third out of savings, one-third out of pocket, and borrow the rest. The best way to do this is to start putting away 10 percent of your salary starting the day your child is born. The earlier you start saving for your child’s college, the more money you will have put away. Opening a 529 plan allows you to put away part of your income into a savings account, without it being taxed for income taxes, as long as the money is eventually used for qualified educational expenses.

Life insurance with a cash value option is a great tool to help with college education, as you can borrow from your cash value to pay for that expense. For instance. If you have $100,000 in cash value and your life policy is for $500,000 and you borrow that $100,000 cash from your cash value and never pay it back when you die your life policy will pay out $400,000 as they had to minus that $100,000 that you took.

When it comes to finding the right insurance plan for your child to help you save money, contact Access First Insurance. As an independent insurance agent, they will work with their affiliates to ensure you get the right insurance policy at the right price.

Spruce Up Your Home for Summer

With summer in full swing, it is the best time to spruce up your home to match the bright summer sun. Keep these tips in mind to make sure your home is as fresh and bright as possible this summer.

  • Bring the outdoors in. Placing small indoor plants throughout your home is the perfect way to add a little greenery throughout your home, as well as freshen up the air since houseplants can help remove airborne toxins.
  • Spruce up your front porch. If your welcome mat has taken a beating from the snow this winter, replace it with one that has bright colors to make your home more welcoming. Placing plants on either side of your front door can help provide a pleasant focal point on your porch.
  •  Swap out bedding. Change out your dark and heavy bedding and blankets with light and bright linens. This is also the perfect time to invest in hypoallergenic bedding for those who suffer from summer allergens.
  • Invest in new throw pillows. Change out your old, drab throw pillows with bright, colorful pillows. Mix and match patterns to create a fun focal point in the room and give your guests a comfortable place to sit.
  • Lighten up your drapes. Take down your dark winter drapes, and replace them with light and airy curtains so that you can enjoy the summer sun.
  • Paint. If you got tired of looking at the same paint colors all winter, re-paint with a lighter color. Painting an accent wall, or a whole room, can help your house seem like a whole new home.

Summer is also a good time to review your homeowners insurance policy. Contact the insurance professionals at Access First Insurance in Eagle, Idaho. As an independent insurance agency, we will make sure that you get the most comprehensive insurance policy at the right price.

Staying Safe This Summer

The warm summer weather can lead to more outdoor activities. Although spending more time outdoors is good for your health, it is important to make sure you stay safe during the hot months. Following these summer safety tips can ensure you have a safe and fun summer.

  • Prevent heat illness. The hot weather can lead to life-threatening emergencies. It is important to know the risks and warning signs of heat illnesses and how to treat them.
  • Stay protected from the sun. Always wear sunscreen with at least an SPF of 15 whenever you go outside. Wear protective clothing, such as a wide brimmed hat, and make sure to stay hydrated.
  • Avoid poison ivy. Make sure to wear long pants and sleeves when going on a hike. Do not let your pets run through areas with poison ivy.
  • Keep pesky bugs away. Use bug spray that contains DEET to keep mosquitoes, insects, and ticks away. Make sure to check everyone, including your pets, for ticks after going on a hike.

Contact the insurance experts at Access First Insurance Agency, located in Eagle, Idaho, to get a quote for personal, health, life, and commercial insurance today.

The Importance of Life Insurance

Life insurance may seem like it is an unnecessary expense. However, life insurance can help make sure that your family is protected in case of your unfortunate passing.

Life insurance money can help your family pay for unforeseen expenses after your passing, such as funeral costs. If you were the main income provider for your family, it can also help make sure that they are not financially strained after you are gone. It can help pay for everyday expenses, such as the mortgage and car payment. It can also help provide a financial cushion for your family while they are getting back into their routine after you are gone. It can help pay for your children’s college, or make sure there is enough food on the table for everyone.

Most people wait too long to start thinking about life insurance. It is important to start planning for your family as early as possible to make sure they are covered from any unfortunate accident. Even though we all plan to live long, happy lives, that is not always the case.

Contact the insurance experts at Access First Insurance Group, located in Eagle, Idaho, to get a quote for your life insurance policy today.