Nicanor Ballesteros, Licensed Agent with New York Life

When is an Emergency Fund most needed? In an emergency , right? But 1/3 of homeowners do not have something set aside for an emergency repair .... When is the best time to start an emergency fund? TODAY - while it's EASY. If you can't put away a lump sum of money away now, commit to putting away a bit at at time, monthly perhaps, and build up to putting more away when you can. Imagine yourself when that emergency does come, and you have something > 0 #emergencyfund #starttoday #peaceofmind

Knowing then, Knowing now I've thought this many a time: "If I knew then what I know now..." Wishing I could go back and start something or impart knowledge to my past self - like if I started playing ukulele years prior to when I really took it seriously, I would be that much better. I would know more songs, more technique, etc.... This also applies to my knowledge of financial strategies. If I knew then what I know now I would know early: What tools are out there to apply to a given situation How much I should be saving for my situation What my retirement number is How long it will take to reach that retirement number. Imagine if you had more time to take advantage of implementing these strategies It's not too late to start learning about and educating yourself about these strategies - so start soon; you don't want to run out of time. Have a great weekend!

Generate income even if you're not around Income replacement strategies can help you generate income for the ones you care for in case something were to happen to you. It's a strategy that can help you:... Keep your home Keep paying your bills Keep your college planning in place Learn more about how you can employ this strategy to your future planning - there are plenty of resources and help available to educate you on this valuable financial strategy. #incomereplacement #financialstrategies #learn #educatetoempower

KNOWING IS HALF THE BATTLE If you grew up in the 80's like I did, then you know this! After each episode of GI JOE there would be a situation that some kids found themselves in and a GI JOE character would come from no where and provide either a lesson or tip for the day.... The kids would respond: "Now we know!" Educating ourselves and learning more about the strategies and tools that you can use for the future will help you take control of situations, rather than situations controlling how you respond. There are plenty of resources and help out there for you to use! #futurestrategies #educationandlearning #knowingishalfthebattle

MORE THAN WORDS I was listening to a 90's playlist over the weekend that my wife played on her phone as we were painting the walls in our room. The song "More Than Words" played.... It got me thinking about how if I couldn't speak anymore, would the ones I cared about know how much I cared for them. Sometimes our actions speak when we don't or can no longer. The actions we take for our loved ones today, will speak for us when we're gone. Have a great week! #morethanwords #futureplanning #strategiesforthefuture #alwaysinmotionisthefuture

HARD HABIT TO BREAK Bad habits ARE hard to break Good habits ARE JUST AS HARD to create... Exercising, eating healthier, drinking more water Research has shown that it takes more than 21 days to create a habit - in fact it takes about 2 months. Creating a habit takes a while because it's a change of behavior - making habits is like a multi-season TV show, not a limited-series. So - if you're going to start a new habit - you have to commit to it No matter how much you don't want to do it, no matter how hard it is, do the task you want to become habit. You all know what Yoda said. Eventually, you will get to a point where you can't go a day with out completing that task. Habit formed. Have a great weekend everyone! #forminggoodhabits #habits #nottheburgerplace