Established in 1929
Health City Sun
The
www.healthcitysun.com
October 11, 2013
New Mexico’s Legal & Financial Weekly
FORECLOSURE SALES: 5
PROBATE: 19
NOTICE OF SUITS: 8
OTHER: 11
Consider A Recession Proof Career
Vol. 3.84 No. 41
AUCTIONS: 5 SPANISH NOTICES: 0
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D
id the Great Recession impact your employment success? For many, the economic turmoil opened their eyes to the risks of working in certain industries. But at New York Life, a Fortune 100 company actively recruiting in your community, you can weather the ups and downs in the economy because the public’s need for financial preparation is constant. As individuals get married, have children and care for elderly parents, insurance agents are there to provide financial guidance and support—with each new life stage there are new financial objectives to address for clients.
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Studies and demographics point to why the best time for life insurance agents is now—because Americans are doing far too little to prepare financially. A 2013 Life Insurance Gap survey by New York Life indicates that people have 41 percent less than they need in life insurance protection, and according to industry statistics, approximately 77 million households still need life insurance. Also, people are living longer, traditional pensions are disappearing, and savings rates are minimal. As the first wave of the nation’s 77 million baby boomers reaches retirement, many Americans will be facing a new set of risks and investment decisions. In good economic times and bad, successful life insurance agents have a stable career, providing guidance to consumers about the right solutions to meet their needs.
At New York Life, agents are offered comprehensive sales training and a wealth of marketing resources, as well as continuous support from a staff of experts for a lifetime of learning and professional development. And as an agent for New York Life, you are eligible for generous benefits. New York Life agents enjoy a career in which they work for themselves but with the support of an iconic national brand. Now more than ever, working for a financially stable company is a smart career choice.
As a life insurance agent, you can earn a good living while creating your own work schedule and at the same time help individuals and families in your community. You can have a career in which you are fairly compen-
Becoming an agent is a great opportunity for recent college graduates, for those who are looking for a new professional challenge, or for those Career cont. page 7
sated based on the hours and effort you put forth—with unlimited potential for growth—and you can do all this while enjoying a stimulating career.
Answer Two Questions To See If You Need A Water Softener
I
f you don’t have a water softener in your home, you might not realize the effect it can have on your quality of life.
Question 2. What’s your home’s water quality? Certain signs indicate you may need softer water. Have you noticed:
Fact is, today’s high-efficiency water softeners can substantially lower water and electricity costs while making waterusing appliances more efficient.
• Soap scum in the shower or bathtub • Stains on your drinking glasses after a run through the dishwasher • Dingy, scratchy clothes • Dry skin and dull hair • Scale buildup on fixtures • A “rotten egg” odor • A water heater that is leaking or producing unstable water temperatures?
Other benefits include: • Sparkling dishes • Shinier hair • Softer skin • Brighter, softer laundry • Better-tasting water. Not everyone with hard water is aware of those benefits, however. Your answers to two simple questions can help you determine whether your home would benefit from a water softener. Question 1: What does it cost to treat your water? You may be treating your water to counteract hardness with costly chemical-based products such as detergents, shampoos, fabric softeners or dishwasher rinse agents. While you’ll still need to buy these, with a water softener, you will need significantly less. You may also eliminate costly repairs for other water-using appliances, like a water heater or dishwasher, and reduce plumbing bills.
A local water expert like a Culligan Man can conduct an in-home test for hardness, iron, copper, pH and alkalinity. People with well water can have a Culligan Man send a sample to the company’s water laboratory, which is accredited by the National Voluntary Laboratory Accreditation Program and the U.S. EPA. Based on testing results, he can recommend a high-efficiency water softener that meets your home’s specific needs, install it, service it, deliver materials and even fill your tank. You can also find out about water quality from a water utility, a water quality association or the U.S. EPA website at EPA.gov. - (NAPSI)