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A classic saltbox Colonial built in 1690 in Woodbury, CT, is the oldest home on the market this week on Realtor.com®.

The spacious property boasts the original wood shop where craftsmen are said to have created everything from wainscoting to built-in cabinetry.

Other vintage gems to hit the market this week include a center-chimney Colonial in New Hampshire, a charming Cape Codder in Massachusetts, and a New Jersey stone home.

Scroll down for a full look at this week’s 10 oldest homes.

Price: $589,000
Year built: 1690
Saltbox Colonial: This two-bedroom gem is one of the oldest homes in Woodbury, according to the listing.

The 2,034-square-foot residence features wide-plank flooring, original wainscoting, wood-paneled walls, and exposed-beam ceilings. Three fireplaces can be found throughout the home, including two with ovens.

The 3-acre property also features a two-story barn, a woodworking shop, and a shed with an attached outhouse.

Woodbury, CT

(Realtor.com)

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Price: $499,000
Year built: 1718
Cute Cape: This four-bedroom Cape Codder features built-in bookshelves, two fireplaces, and wide-plank pine floors.

The 1,580-square-foot residence has been updated over the years. The kitchen has maple cabinets and granite countertops, and the dining room has built-in cabinetry. New windows were recently installed on the first floor.

The detached garage includes a work area with new electrical.

Weymouth, MA

(Realtor.com)

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Price: $400,000
Year built: 1730
Francis Chase Homestead: This center-chimney Colonial boasts five fireplaces, wood-paneled walls, exposed beams, and wide-plank floors.

Affordably priced, the three-bedroom home is in need of some TLC. The open kitchen has a wood-burning stove with a beehive oven. The living room offers an oversized brick fireplace.

The 4-acre lot includes a two-car garage and a four-stall barn with a paddock.

Newton, NH

(Realtor.com)

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Price: $1,100,000
Year built: 1731
Berkshire beauty: This three-bedroom home has been thoughtfully modernized over the years.

Measuring 3,148 square feet, it features three en suite bedrooms, two offices, and a solarium. While there aren’t many interior photos, the listing notes that the “tastefully renovated home” offers large living rooms and an eat-in kitchen.

The 1-acre lot sits on Hubbard Brook. A second dwelling on the property is currently being rented out as a quilt shop, but it could be transformed into a guesthouse.

Egremont, MA

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Price: $679,000
Year built: 1735
Cute half-Cape: This cozy, three-bedroom home has been beautifully modernized over the years.

The 2,878-square-foot residence still features exposed-beam ceilings, preserved hardwood floors, and a fireplace with a beehive oven. The bright living room boasts built-in bookshelves, and the kitchen has granite countertops. The family room includes access to an oversized deck out back.

The primary suite is upstairs and features a cathedral ceiling. The newly renovated lower level has a wet bar and additional living space.

The 2-acre lot includes frontage along Soules Pond.

Kingston, MA

(Realtor.com)

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Price: $1,295,000
Year built: 1736
John Bassett House: This three-bedroom, waterfront dwelling is part of the Marblehead Historic District, located in the Colonial neighborhood of Old Town.

The four-story, 2,160-square-foot home features wide-plank wood flooring and wood-beam ceilings throughout. You can enjoy picturesque views from two decks. The fenced-in lot also has a patio and a detached, one-car garage.

Marblehead, MA

(Realtor.com)

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Price: $1,750,000
Year built: 1740
Bantam Farm: This updated, four-bedroom farmhouse offers wide-plank floors, three fireplaces, and built-in beds.

The cozy living room comes with built-in bookcases and an exposed-beam ceiling, and French doors lead to an airy sitting room. The bright kitchen has Mexican tile flooring and a large island with a prep sink. Sliders from here open to a large patio that overlooks the landscaped yard.

The first-floor bedroom could be used as an office. The remaining bedrooms are upstairs.

The 2.5-acre property includes a two-bedroom guest cottage, a one-bedroom art studio, and a barn.

Stamford, CT

(Realtor.com)

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Price: $1,075,000
Year built: 1740
Stone home: Historic highlights of the 2,052-square-foot home include random-width pine flooring, exposed stone walls, and a Dutch door.

There are no interior photos available, but the listing says the home features “a fieldstone fireplace with wood stove insert, exposed beams, many windows, and sliding glass doors leading out to the expansive stone patio.”

The 4.8-acre lot comes with a two-car garage, including loft space that could be used as a studio or office.

Stockton, NJ

(Realtor.com)

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Price: $839,000
Year built: 1743
Lt. Joseph Sanborn House: This three-bedroom home is said to have been part of the Underground Railroad.

While it does need some work to restore its historic beauty, the 3,440-square-foot home features many period details. Highlights include four fireplaces, original wood paneling, and exposed-beam ceilings. The large living room boasts a cathedral ceiling and a wood-burning stove. The dining room has a wall of built-ins.

This 4-acre property abuts Applecrest Farm and comes with a four-stall barn with a heated tack room, and a three-car garage.

Hampton Falls, NH

(Realtor.com)

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Price: $599,900
Year built: 1747
Waterfront wonder: Overlooking Wethersfield Cove, this five-bedroom Colonial has been thoughtfully modernized over the years.

Measuring 3,661 square feet, the home boasts a bright kitchen with a two-tier island and a custom pantry. Wide-plank flooring, three fireplaces, and original wood paneling can be found throughout the residence.

The primary suite comes with a custom closet and a spacious bathroom. You can enjoy waterfront views from the stone terrace or the balcony off the family room.

The 1.2-acre property includes a separate one-bedroom living space to accommodate extended family and guests.

Wethersfield, CT

(Realtor.com)

Source: realtor.com

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After more than 18 years in executive management of a worldwide manufacturing company, Steve started his second career in real estate in 2002. Now, in 2023, his company, ERA Doty Real Estate, won ERA Real Estate’s Gene Francis Memorial Award for Top All-Around Company. Here he speaks with Realty Biz News about how his career change was at its core about culture. 

Steve Doty Head Shot

Tell me about how you got into real estate.

Before I got into real estate, I was an engineer. I worked for a family manufacturing company for nearly 17 years. After the company was bought by a large German corporation, I realized we didn’t see eye to eye. I didn’t agree with some of their philosophies. I believed in supporting the families that we did business with, our vendors, and the people who worked in the plant. I believed that relationships were important within business.

It soon got to the point where I didn’t enjoy my job. I didn’t enjoy all the problems that went along with it. My blood pressure was high, I was smoking three packs of cigarettes a day, and the stress was literally killing me. One day in 2003, I was flying back from a trip to Seattle and realized I was dreading going back to work. I thought to myself, “I’m done with this, I’m just done.”

I told my mom, who had worked in real estate all her life, that I hated my job and she said, “Quit. Go into real estate.”

So, I took the suit and tie off and started my second career. Today, I wear boots and blue jeans and I don’t dress up. I may even come into the office in shorts. I absolutely love what I do now. It doesn’t feel like work to me. It feels like I play for a living. We laugh, we joke. We run around with a cowbell and ring the cowbell and cheer when people have big closings or put big deals together. It’s a lot of fun.

What makes your approach to real estate different?

When I started in real estate, the brokerage model was broken. All of these large offices had locks on the doors and locked file cabinets. They poked each other in the eyes, pulled each other’s hair, and stole each other’s clients. There was a lot of drama.

I just felt like it was time for something different and the market was ready for someone to look at the business differently. I promoted the mentality that a rising tide raises all ships, and we all began to help each other, collaborate and learn from each other and do things together. We were a performance culture. We were small, agile, collaborative, quick thinkers who helped each other. 

As my company grew, I was able to acquire my biggest competitor in 2016. But then we stopped growing. We hit a wall because the new people didn’t share our ideology. I learned that this mindset doesn’t work for everybody. In the first 18 months following the acquisition, we walked about $21 million in sales volume out the door.

I paced the floor every night. I felt like a failure. I couldn’t figure it out and just when I was really struggling an agent walked in, sat down, shut the door, and said, “Be yourself and everybody will come. They want to be around you and your electricity. They want to be inspired. Stop trying to make people like it and let’s grow with the people that do.”

That was a life-altering moment for me and we began to grow from there instantly. As soon as we did it, that’s when we went from decreasing in sales to everybody being happy, going back to playing nice with each other, and growing a business again.

What is your guiding principle as a broker/owner?

That’s simple. My job is to be focused on growth but it’s not about growing the business – growing people is what I do. That just happens to benefit the business. The thing that may make me unique is that the terms “boss” “leader” and “mentor” make me a little bit uncomfortable. 

We bring groups of people together to tell me what I’m doing right and what I’m doing wrong. I write those things on the wall and then within days of them doing that, I report back to them to tell them how we’re going to improve or change. I’m a person who likes to involve everybody in the building, know what their strong suit is and then figure out how to meet their needs. We treat an agent like a customer.

How do you sustain or create a cohesive culture in your company?

I’m a believer that you can’t create culture, you must embrace it and participate in it. We’re here to change people’s lives through homeownership. And we do that from a foundation of mutual respect for each other, our strengths and our weaknesses, and the absolute belief that we are better and stronger when we work as a team. 

In addition to having a focus on helping each other out, being the best at our craft, and having fun, we also come together to help our community. Over the years, we have raised hundreds of thousands of dollars for numerous community projects including, The Special Olympics, The Salvation Army, The Muscular Dystrophy Association Smoke Out, Cystic Fibrosis, Operation Christmas Child, Pulling for Vets, The Northeast Arkansas Humane Society and more. 

How do you define success?

At the end of the day, I think success is all about balance. You are happy with what you do and have time to enjoy your family, your community, and your personal life and the things are important to you. I’ve been lucky that what I do in my business makes me happy and that we have been successful because of it.

About ERA Doty Real Estate

ERA Doty Real Estate is part of the ERA Real Estate network, a global leader in the residential real estate industry for nearly 50 years that features a powerful network of like-minded entrepreneurs supported by the brand’s game-changing technology, products and powerful lead generation. With offices in Jonesboro, Paragould, Flippin, Mountain Home, Conway and Hot Springs, ERA Doty Real Estate serves clients locally in Arkansas and Missouri and works with out-of-town clients looking for retirement or vacation homes. The firm’s 160 agents specialize in all areas of real estate including residential, commercial and relocation. 

Find topics in marketing, technology, and social media for realtors, and housing market resources for homeowners. Be sure to subscribe to Digital Age of Real Estate.

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Source: realtybiznews.com

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The 5 Star Life Insurance Company has been in the business if providing their customers with quality life insurance coverage since 1996. The company is an enterprise of the Armed Forces Benefit Association (AFBA), and it is headquartered in Alexandria, Virginia.

Its parent company, AFBA, was initially founded in 1947, with the assistance of Army General, Dwight D. Eisenhower. This company was established to help with easing the strain on military members, as well as their families, during times of war. At that time, members of the U.S. military were not allowed to buy life insurance that would pay out the death benefit proceeds if the member was killed in a war zone.

AFBA had its initial headquarters in the basement of the Pentagon building in Washington, DC, and for the next 70 years, the company served the Armed Forces during times of both war and peace. The motto of AFBA is, “Serving those who serve this great nation.”

The Armed Forces Benefit Association is still considered to be a growing company. This insurer provides supplemental and voluntary life insurance coverage to the work site/group markets. It also offers individual life insurance via the senior market.

5 Star Life Insurance Company Review

5 star life insurance company reviewBeing a related enterprise of AFBA, 5 Star Life Insurance Company has its main offices in Virginia (although it is considered to be domiciled in Baton Rouge, Louisiana. Today, this company has approximately $41 billion of insurance in force, and it insures more than 800,000 lives.

Based on the 2016 Independent Comparative Report, the company is considered to be strong and stable financially, and it exceeds life insurance industry averages regarding its liquidity ratio, net premiums to capital, capital and surplus to liabilities, and percent of investment portfolio investment grade.

The 5 Star Life Insurance Company has a key focus on providing life insurance coverage. It does so via independent brokers and producers. This coverage can be customized to fit the needs of its policyholders.

Life Insurance Products Offered By 5 Star Life Insurance Company

The 5 Star Life Insurance Company has a focus on offering its products in two specific markets. These include offering term life insurance coverage to employer groups. This coverage can help with providing financial protection to employees’ families.

The company also has a key focus on providing simplified issue whole life insurance in the senior market. This coverage can help with covering the insured’s funeral and other final expenses.  It is also good for people who are in poor health or who may be looking for a smokers life insurance policy without the higher rates.

Work Site Insurance Coverage Offered Via 5 Star Life Insurance Company

The company offers a specific suite of coverage for the worksite market. These products offer competitive premium rates, and they are primarily geared toward small and mid-sized employers. All of these products are sold through an employer or an association.

The primary product that is offered is the Basic Life and AD&D (accidental death and dismemberment). Adding these products can help employees to enhance the group life insurance that they already have. It does so by offering additional benefits, along with coverage for a spouse and/or children.

Some of the highlights of these worksite basic life and AD&D include the fact that the coverage is guaranteed issue. This means that if at least ten employees apply, then an individual cannot be turned down for the coverage – even if he or she has an adverse health condition.

The coverage also offers an emergency death benefit payment. This means that up to $15,000 will be mailed out to the policy’s beneficiary within one business day of notification to help loved ones with immediate expenses.

This particular coverage is portable, meaning that even if the employee or member leaves the group, the coverage can continue – without the individual having to provide evidence of insurability (provided that the premium continues to be paid).

There are some nice advantages for employees or members who apply for this worksite/voluntary coverage.

Including the following:

  • There are dedicated case managers at 5 Star Life Insurance Company who will work with insureds and their beneficiaries. This can make the process of coverage and claims easier for people, as there is just one specific point of contact for all of their questions or concerns.
  • The billing is also easy when it comes to the payment of the premium. There are up to 15 different premium modes that are available, which include direct billing for ported policies.
  • For the employer or association that is offering this coverage, the company offers tailored reporting and billing reconciliation that can conveniently fit the employer’s needs.
  • Individuals are also allowed to enroll and to pay their premiums online.

Final Expense Life Insurance Products Offered By 5 Star Life Insurance Company

The company also offers final expense life insurance. These policies are geared towards paying for funeral and other final expenses – and the coverage can be extremely helpful for a person’s loved ones.

Today, the cost of a funeral can exceed $10,000 in some areas. This is especially the case when adding in items such as a burial plot, a headstone, flowers, transportation, and other related costs. In many cases, a person may also not have medical expenses that are not covered by his or her regular health insurance policy. So, a final expense life insurance policy can also help loved ones to pay off these bills.

The 5 Star Life Insurance Company offers several plans under the name of Silver Premier Choice. These are focused on insureds who are typically between the ages of 50 and 85 years old.

Some of the key highlights of these plans include:

  • Death benefit protection of between $5,000 and $25,000. The amount of the coverage on these plans is guaranteed never to go down – even in light of the insured’s increasing age and / or if they contract an adverse health issue.
  • The premiums on these plans are also quite affordable. The premium is also guaranteed never to increase, regardless of the insured’s age and / or health condition going forward.
  • As long as the premium is paid on these policies, the insurance company cannot cancel the coverage for any reason.
  • The Silver Premier Choice plans are whole life in nature. This means that they will not only provide death benefit coverage, but they will also build up cash value. The cash is allowed to grow on a tax-deferred basis. This means that there is no tax due on the gain that takes place inside of the policy unless or until the funds are withdrawn.
  • There is no medical examination required to qualify for these plans. In fact, many people who apply for this coverage can be approved directly over the phone. And, once they are approved, the coverage will begin on that day.
  • Coverage can last up to a person’s age 121.
  • As with the worksite life insurance plans, these policies also offer an emergency death benefit. This can help to provide funds quickly to loved ones when they need it for final expense and other related costs.

There are two final expense plans that are offered by 5 Star Life Insurance Company. These include the Preferred and the Graded. With the graded plan, the death benefit will not all be paid out at the time of the insured’s passing, if they have only owned the policy for a short time.

As an example, if the insured dies in Year 1, then 30% of the selected death benefit will be paid to the policy’s beneficiary. If the insured dies in Year 2, then 70% of the death benefit will be paid. Once they reach Year 3 – and any time after that – then 100% of the selected death benefit will be paid out when the insured passes away.

There are also several different riders that may be added to the life insurance products offered by 5 Start Life Insurance Company.

Including:

  • Terminal Illness Rider – This plan will pay out 30% (in most states) of the death benefit in a lump sum if the insured is diagnosed with a covered terminal illness and is given a limited life span of fewer than 12 months.
  • TI Air Rider – This is an automatic coverage increase rider that can be purchased for as low as an additional $1 per week by the policyholder.
  • Quality of Life Rider – This rider will accelerate a portion of the death benefit on a monthly basis – 3% or 4% – each month if the insured is faced with a chronic medical condition that requires continuous care. The insured can receive up to 75% of the death benefit in total.
  • Waiver of Premium Rider – If the insured is totally disabled due to sickness or accident, then after a six-month waiting period, the policy’s premiums will be waived.
  • Critical Illness Rider This rider will pay out 30% of the policy’s coverage in the event that the insured has a heart attack, life-threatening cancer, stroke or other specific diagnoses.

Source: goodfinancialcents.com

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Life insurance is an important component of most all financial plans. That’s because when you have life insurance, you can be much better assured that your loved ones and survivors will be able to go financially in case of the unexpected.

The proceeds from a life insurance policy can be used for many different things, including the payoff of final expenses or other large debts, as well as ongoing living expenses so that loved ones won’t have to drastically change their lives.

When purchasing a life insurance policy, it is important to review several factors before moving forward. Certainly, narrowing down the right type and the amount of life insurance that you are applying for is essential. This is because you don’t want loved ones to be underinsured.

However, it is also essential to review the insurance company through which you are purchasing the coverage. That is because the insurance carrier should ideally be strong and stable financially, and it should also have a good reputation for paying out its policyholder claims. One insurance carrier that has an excellent track record in the industry is AAA.

Table of Contents

The History of AAA Life Insurance Company

AAA Insurance Company has been in the business of helping its customers since 1902. The company began as The Automobile Club of St. Louis. The company grew very quickly over the next several years. And, after opening regional offices throughout the state of Missouri, the firm changed its name to the Automobile Club of Missouri (ACMO).

Still, in its early stage, the company hired a young Harry S. Truman, who sold many memberships prior to setting out to pursue his military and political career. AAA introduced many new ideas into the auto insurance world, including roadside service.

Over the next several decades, the company continued to grow and expand, absorbing many smaller auto clubs throughout the state and throughout the country. In 1969, AAA Life Insurance Company became a part of AAA. This company offers both life and annuity products. Today, AAA Insurance is a large and thriving insurer that offers a wide variety of both insurance coverage and other financial products to its customers.

AAA Life Insurance Company Review

AAA Life Insurance Company is headquartered in Livonia, Michigan. Currently, the company has approximately 1.2 million policies in force. Not only does AAA Life Insurance Company help its customers to save and protect their financial assets, but the company is also very involved in community efforts. For example, over the past decade, AAA has supported various entities by raising money and / or serving in other manners. Just some of these organizations include:

  • American Heart Association
  • Alzheimer’s Association
  • American Red Cross
  • American Diabetes Association
  • American Cancer Society

The company also has an excellent reputation for providing outstanding customer service to its policyholders. The company provides information, including life insurance quotes, via the Internet, telephone, and / or through in-person visits with an agent.

Company Ratings and BBB Grade

AAA Life Insurance is considered to be financially strong and stable, and because of that, it is highly rated in the industry. The company has a rating of A- (Excellent) by A.M. Best, which is the fourth highest rating out of a possible 16.

The company is not an accredited member of the Better Business Bureau (BBB), nor has it been provided with a letter grade between A+ and F. However, over the past three years, AAA Life Insurance Company has closed a total of 18 complaints through the BBB.

Of these 18 total complaints, eight had to do with problems with the company’s product and / or service, another five were regarding advertising / sales issues, and yet another five were in regard to billing and / or collection issues.

Life Insurance Products Offered By AAA

AAA Life Insurance Company offers several options for life insurance coverage. These include both term and permanent policies. The proceeds from these policies can be used by loved ones and survivors for any need that they see fit.

Term Life Insurance Coverage

With term life insurance coverage, the policy offers pure death benefit protection only, with no cash value or savings build-up in the policy. These policies are purchased for a set period, or “term.” There are several term life insurance options that are offered via AAA. These include:

Term with Return of Premium

The term with return of premium policy is offered for periods of 15, 20, 25, or 30 years. Insured individuals can be covered for between $100,000 and over $1 million. With these plans, the insured is covered throughout the life of the policy. And, if he or she survives that time period, then the premiums paid into the policy will be returned. (There is an additional amount of premium that is charged for the return of premium option).

Traditional Term Life Insurance

With the traditional term life insurance product, coverage of up to $5 million (or more) is available, with a minimum death benefit of $100,000. Coverage terms can be chosen from 10 years, 15 years, 20 years, 25 years, or 30 years. The premium payments are guaranteed to remain level throughout the life of the policy. Also, an insured may have the option to convert this term insurance over into a permanent form of life insurance coverage.

Express Term Life Insurance

Express term life insurance from AAA Life Insurance Company may be purchased via the Internet. These policies offer coverage of between $25,000 and $250,000 and the term lengths that can be chosen from are 10, 15, 20, 25, or 30 years. Those who are between the ages of 18 and 75 are eligible to apply.

Permanent Life Insurance Coverage

AAA Life Insurance Company also offers permanent life insurance coverage. With permanent insurance, the insured has both death benefit protection as well as a cash value component within the policy that can allow savings to build up. These savings can grow tax-deferred.

There are both whole life and universal life insurance policy options that are available through AAA. Whole life insurance offers long-term insurance coverage with fixed premiums for life. The whole life insurance plans that are offered via AAA include:

Simple Whole Life Insurance

The simple whole life insurance policy is easy to obtain. Coverage may be purchased between $5,000 and $25,000. There is no medical exam required to qualify for this plan. Rather, there are only just a few health questions to answer. An insured may also be able to obtain funds early if he or she is diagnosed with a terminal illness.

Guaranteed Issue Graded Benefit Whole Life Insurance

For those who are between age 45 and 85, the guaranteed issue plan may be a good fit. This policy offers coverage without any medical exam or health questions. It also offers guaranteed premiums.

Universal Life Insurance Coverage

Universal life insurance is also a permanent form of coverage, except that it offer more flexibility that whole life concerning premium payment, as well as where the premium dollars go. AAA offers two universal life insurance policies. These include the Accumulator Universal Life and the LifeTime Universal Life policy.

Other Insurance and Financial Products

In addition to life insurance coverage, AAA Life Insurance Company also offers other products as well. These include annuities (both immediate and deferred), and accident insurance coverage.

Annuities can help individuals to both save for retirement in a tax-advantaged way, as well as to provide an income in retirement – and this income can last for the remainder of the annuity holder’s life, regardless of how long that may be.

With an immediate annuity, an individual deposits a lump sum. This can either be cash from a savings or investment account, or it can be through a “rollover” from an IRA account or a retirement plan such as a 401(k) account. The income stream from the immediate annuity will then begin right away, or within a very short time period.

A deferred annuity provides the ability to build up savings over time. Here, the funds that are within the annuity are allowed to grow on a tax-deferred basis – which can allow the money inside of the annuity to grow and compound exponentially over time. Then, at a point in the future, the income stream will begin. In many ways, an annuity is like a personal pension plan.

Accident insurance is also available through AAA Life Insurance Company. Because accidents can – and often do – occur unexpectedly, this coverage can help to provide financial support to an individual who is involved in an accident, or that person’s loved ones.

There are some key benefits that are offered through the AAA Life Insurance Company’s accident insurance coverage. These include the following:

  • Hospitalization – Accidents can be an expensive situation – and sometimes, the hospitalization that is received may or may not be covered via a regular health insurance policy. With the AAA plan, an insured individual can be covered for up to $375 per day for a covered non-travel related accident, and for up to $1,500 per day on travel-related accidents. These benefits can be paid for up to 365 days per occurrence.
  • Recuperation – Sometimes, even when a person is released from the hospital, they may or may not be ready to go back to work. The bills, however, for everyday living expenses will continue to come in. The recuperation benefit on the AAA accident plan can offer another $1,500 per day in benefits that will help with recuperating from a travel-related accident, or up to $375 per day on a covered non-travel related accident. These benefits can be paid for up to 365 days.
  • Emergency Room and Urgent Care – The cost of emergency room care can also be quite high – and there may be some benefits that are not covered via a regular health insurance policy. With the AAA accident policy, an annual benefit of $1,500 can be paid for ER and urgent care that is received for a travel-related accident, and up to $375 per year can be paid for a non-travel related event.
  • Accidental Loss of Life – Unfortunately, some accidents will result in the loss of life. If this occurs, a benefit of $500,000 can be paid for the loss of an insured’s life when he or she had been traveling on a regularly scheduled airline flight. A benefit of $250,000 can be paid for accidents that result in the loss of life when the insured is either riding in or driving a private car, truck, motorcycle, self-propelled motor home, or bicycle. This benefit can also be paid if the insured had been traveling as a fare-paying customer on public transportation such as a train, bus, airplane, or taxi. In addition, $250,000 can be paid out in benefits if the insured was struck by a motor vehicle as a pedestrian, and a benefit of $62,500 can be paid for death that is due to a non-travel related covered accident.

AAA members who are at least age 18 or older are eligible to apply for the Member Loyalty Accident Insurance plan. There is no medical exam required to qualify for this coverage.

How to Get the Best Life Insurance Premium Quotes

When seeking life insurance quotes,  it is best to work with an independent company that has access to multiple insurance carriers. That way, you will be more easily able to compare what is available to you.

If you are ready to move forward with getting life insurance quotes, we can help. We work with many top life insurance carriers, so can assist you with your needs. Term Life Insurance smoker applicants can find help and information here as well.   Just simply take a few moments to fill out the form on this page to begin.

Source: goodfinancialcents.com

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[Note from editor: The “Mastermind Showcase” highlights companies and news from members of the GEM. Today’s showcase: Spackle]

A mobile solution helping find electrical, plumbing, painting, and concrete subcontractors for small commercial construction projects, Spackle connects service providers with commercial occupiers to manage and fulfill maintenance and improvement requests. Users upload a photo and a brief description of their construction project, choose from proposals, manage their tasks, and view task progress. Spackle’s services are fit for commercial buildings, tenant offices, college campuses, museums, industrial, warehouses, and retail. Contractors are verified to have been in business for a minimum of 10 years, regularly handle over $1M in projects, and pass a 50+ point performance check. Spackle also works directly with insurance brokers to assure 100% COI compliance.

What we like: Bringing small commercial construction projects into the mobile world with end-to-end workflows, on top of a verified pool of contractors.

Learn More

*Part of 2022 REACH Commercial Class

Source: geekestateblog.com

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With holiday season steamrolling its way into town, it can all get a little overwhelming. The decorating, the gift buying, the entertaining – all the stuff involved can really start to pile up. That’s why I’m making a point to create a calm, quiet respite somewhere in our house this season! In this case – it’s my desk. I revealed my mini office back when Carter was born. While I still miss the Apartment 34 studio, this little corner has continued to be my tiny happy place.

To help maintain my holiday sanity, I decided a few early gifts for myself were in order. I love the ultra modern pieces that the Moma Store carries. Their HAY Collection has such cool, minimal accessories. A sleek tray and a couple beautiful new notebooks are all I need to keep my seasonal to-do’s straight. And I let out a blissful sigh of minimalist relief every time I plop down at my desk. I’m all for making the festive season merry and bright, but sometimes this mama just needs a break. And you thought babies were the only ones who can get overstimulated!

If I had a touch more space, I would gladly add any one of these beautiful elements to my home office.

apartment34desk

GET YOUR SHOP ON

1. Hourglass Colorplay
2. Cube Clock
3. Muji Pencils
4. Pencil Holder
5. Stendig Calendar 
6. Hand
7. Tivoli Radio
8. Lamp
9. Porcelain Mug

Thankfully, I now have my shopping list for the new house is ready to go!

This post is in partnership with MOMA. Thoughts and opinions are 100% my own. Thanks for supporting collaborations we’re excited about and that have kept Apartment 34’s doors open.

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Source: apartment34.com

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By Contributing Author 6 Comments – The content of this website often contains affiliate links and I may be compensated if you buy through those links (at no cost to you!). Learn more about how we make money. Last edited February 28, 2013.

There’s no doubt we live in the information age. I’ve heard it said that the average American consumes several gigabytes of information a day. With all of this knowledge at our fingertips, it can be difficult to find solutions when everyone is pointing in a different direction.

Learning to invest can be a difficult process for those who haven’t had a formal education. I know this because I haven’t had a formal education in investing, but I have found some great methodologies for getting up to speed quickly. In the beginning, I made several mistakes that I wish I could have avoided such as single stock investing.

By following these three simple tips you’ll be well on your way to wise investing.

Three Tips for Beginners

  1. Meet with the professionals. Look up a few investment brokers in your area. Make a list of three offices to visit. Give them a call and let them know you are new to investing and would like to sit down and have a free lesson on what investments are and how to use them wisely. Most brokers will be willing to do this. Do not invest anything until you have met with these three brokers and have a few good perspectives on growing your money.
  2. Follow biblical principles on investing and finance. Jay Peroni wrote a great article on BibleMoneyMatters.com regarding biblical finance and investing. Biblical principles on diversification, seeking advice, being diligent, and screening your investments will propel you to success.
  3. Take your time and build a solid foundation! Don’t rush into an investment strategy. It is unwise to invest your money into something you don’t fully understand. If you can’t explain to a layperson what you’re investing into and how it works, you should probably hold off investing until you can. Also, don’t begin anything until you put into practice some foundational elements of financial freedom. A strong foundation will ensure your investments are safe from collapse.

Plans fail for lack of counsel, but with many advisers they succeed. -Proverbs 15:22 NIV

If you have the money to obtain a formal education in investments, you might consider signing up. But remember, investing does not require years of training. You’ll learn with time. The key is to be proactive and seek out solid financial advice before diving in. Don’t let the excuse of not having a formal education hinder your investing.

Everyone needs to save for retirement and pursue a sound financial footing. Surround yourself with knowledgeable, caring people and you’ll be on your way to investing with confidence. Investing is a powerful vehicle for building wealth.

The ability to compound your money with time is a mathematical wonder. After you have destroyed your non-mortgage debt, built your fully-funded emergency fund, and obtained the know-how on investing, you are ready for wealth-building.  Are you ready?

This article was written by John Frainee, author at TheChristianDollar.com. His goal is to provide biblical financial principles that encourage people to live healthier lives.

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Source: biblemoneymatters.com

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This post may contain affiliate links, which helps us to continue providing relevant content and we receive a small commission at no cost to you. As an Amazon Associate, I earn from qualifying purchases. Please read the full disclosure here.

The numbers never cease to amaze me.

In fact, I’ve always been a fan of comparisons because they help us understand how we compare to others and what areas in life are more important.

However, should you compare yourself to those with 10 figures?

I was recently asked the question, “How much is 10 figures salary?” and my first thought was well beyond 99.9% of people’s salary range.

So then I had to ask this person what they meant by “10 Figures.”

This led me on a journey of figuring out exactly what 10 Figures means when it comes to money.

Many people are curious about the value of a 10-figure career. While it is not easy to become a 10-figure earner, there’s no reason you can’t start working toward your goal.

In this article, we’ll look at how much 10 figures really mean and why it’s important to understand this term.

How much is 10 figures? How much money does it take to make $1 billion or more? What does 10 figures look like on a paycheck or bank statement. Could 10 figures salary be yours?

What is 10 Figures?

10 figures is a term used to describe the amount of money in a given period of time. It is typically used to describe the amount of revenue that a company makes in a month or the amount of net worth someone has.

A number that is over 1,000,000,000 but less than or equal to 9,999,999,999 is a 10-figure number.

If the number is between those two values then it is a ten-figure number.

What is a Ten Figure Number?

Picture of a pile of cash for what is a ten figure number.

Ten figures refer to any number that has 10 digits.

They are important for many reasons, but some of the most important include being able to easily calculate someone’s wealth or income.

How Much Money is 10 Figures?

Picture of someone holding lots of 100 dollar bills

Earning 10 figures can mean earning anywhere from $1,000,000,000 to $9,999,999,999.

That number is unfathomable for most people earning six figure salaries, which are often viewed as an income milestone by many people.

Simply put, 10 figures in money equates to a billionaire dollars.

Individuals who earn ten figure salaries are usually uber-successful in their careers.

What is 10 Figures Salary?

A ten figure salary means in one year you make more than $1,000,000,000.

Earning a 10 figure salary does not mean you have to earn all of your income from one job source. You can also earn income from investments, royalties, and other sources.

There are many different jobs that can lead to a 10 figure salary. It is possible for anyone with the right qualifications, dedication, hard work, and skillful negotiation tactics to achieve this level of income.

For the common folk, earning a 10 figure salary is an extremely unlikely event. A more doable amount is a $100k salary.

However, if you want to become a billionaire and earn ten figures, by all means, go ahead.

Even earning six or seven figures in a year is a huge accomplishment.

How Much is Ten Figures a Year?

People will use the phrase “10 figures” when talking about how much someone is worth or how much money a business makes.

Ten figures is any number between 1,000,000,000 and 9,999,999,999 that is earned in a span of 365 days or one year.

10 Figure Salary Jobs

Silhouette of a businessman in a suit near the downtown skylight for 10 figure salary jobs.

A ten-figure salary is a salary that starts at the first 10 figure value which is $1,000,000,000.

This amount of money is not easily earned and usually takes many years of hard work and dedication. It’s important to remember that while having a high salary is great, it’s not everything.

Most people who earn 10-figure salaries created their own companies as a start-up and grew them into massive empires. These jobs can be found in a variety of industries, including technology, fashion, business, finance, and law.

To earn a ten-figure salary, you need to have an aggressive mindset and excellent skills in your field. With the right combination of talent and ambition, you can definitely achieve this goal.

For these people, a business degree was worth it.

Examples of people who earn 10 figures or more

People who earn 10 figures or more are typically some of the wealthiest and most influential people in the world. They often have a great deal of control over resources and economies.

There are only 724 people in the United States that are billionaires (source) with a collective total of over 2700 billionaires globally.

Here are examples of people who earn 10 figures or more:

Elon Musk

Well known for his social media tweets and swings in TSLA stock.

Elon Musk is the founder and CEO of Tesla Inc, a maker of electric high-end luxury cars.

Elon Musk is the richest person in the world, with a net worth of $223 billion as of February 28, 2022. He made his fortune as the founder of Tesla Inc., SpaceX, and several other startups. He is also known for being an advocate for renewable energy and space exploration.

Jeff Bezos

Jeff Bezos is the founder and CEO of Amazon.com, an online retailer that offers a wide range of products and services to consumers globally. In 1994, he founded the company with a vision to make the world’s largest bookstore and offer low prices for books. Bezos had worked on Wall Street in his twenties.

Jeff Bezos held the title of the richest man in the world with a net worth of about $203 billion until Elon Musk overtook his spot.

From 1998 to 2021, Bezos made $88,840 per year or more with extra compensation bringing the figure to a little over $1.6 million each year.

Bill Gates

Bill Gates is an American business magnate, investor, and philanthropist. He founded Microsoft Corporation with Paul Allen in 1975 in Albuquerque.

His net worth is estimated to be over $122 billion with a salary of $1 million per year.

Bill Gates was the richest person in the world for a number of years. However, he dropped to the second richest person in the world in July 2017 when he was overtaken by Amazon founder Jeff Bezos.

Melanie Perkins

Melanie Perkins is the co-founder and CEO of Canva, a design software company that was valued at $40 billion by private investors in September 2021. Perkins started the company in 2012 with her then-boyfriend and now-husband Cameron Adams. The company has since become a major player in the design world, with over 15 million users and offices in 17 countries.

Though some were skeptical of her idea, Melanie Perkins and her team persevered in the development of their freemium software, Canva. 60 million monthly users later, 500,000 teams from companies like Intel and Zoom are now paying for it. This goes to show that with hard work and a great product, anything is possible.

Her net worth is estimated at $6.5 billion.

Gina Rinehart

Gina Rinehart is an Australian billionaire, businesswoman, and philanthropist. She was the world’s richest woman until her daughter took over in 2018. Rinehart has been involved in the Australian mining industry for decades and was the director of Hancock Prospecting, a company her father founded.

Her net worth is estimated at $31 billion.

Susanne Klatten

Susanne Klatten is an extremely wealthy woman. Aside from her BMW stake, she also has significant ownership in Entrust, a company specializing in digital identity and data security, as well as carbon and graphite producer SGL Group. Additionally, Klatten’s brother Stefan Quandt owns 23.6% of BMW- making the two siblings the automaker’s two largest individual shareholders.

Susanne Klatten is the richest woman in Germany and the third-richest person in Europe.

She has a net worth of $25 billion.

Some of the other Richest People in the world include:

  • Larry Page
  • Sergey Brin
  • Warren Buffett – Check out where he eats for breakfast.
  • Bernard Arnault
  • Amancio Ortega
  • Carlos Slim
  • Micheal Bloomberg
  • Larry Ellison
  • Mukesh Ambani
  • Alice Walton
  • Arne Morris Sorenson
  • Charles Koch
  • Dara Khosrowshahi
  • Dustin Moskovitz
  • Eric Schmidt
  • Eric Yuan
  • Francoise Bettencourt Meyers
  • Oprah Winfrey
  • Kim Kardashian West
  • Jacqueline Mars
  • Abigail Johnson

10 Figures Net Worth

In short, becoming wealthy requires having a net worth of 10 figures. That will give you billionaire status.

To have 10 figures net worth, your net worth is over $1,000,000,000.

Net worth is assets minus any liabilities.

Much of the billionaire’s net worth is made up of high income, stock options, real estate, and diversified portfolios.

Tops Ways to Earn 10 Figures

The following are some of the top ways to earn a billion dollars in a year. Even if you don’t get close, you will still earn way more than a traditional 9-5 job.

There are many ways to become a 10-figure earner, but the most common paths are entrepreneurship, investing, and influencer status.

All of these paths have their own challenges and rewards, but they all provide opportunities for anyone who is willing to work hard and take some risks.

1. Entrepreneurship

Picture of an entrepreneur.

Entrepreneurship is the process of developing, launching, and running a new business venture. Entrepreneurs start a business with little or no outside funding in an attempt to generate profit for themselves and their investors.

They are generally risk-takers and may work long hours in pursuit of their vision.

There is no ceiling to how much you can earn as a successful business owner.

You can make a 10 figure salary if you are innovative and work hard. For example, one of the most successful billionaires has made their fortune by starting innovative technology companies. Additionally, there are many other opportunities for entrepreneurs such as franchise restaurants and clothing companies.

2. Investing

Investing is one of the most important aspects of becoming a billionaire.

Most of the net worth of billionaires is made from their stock options from when their company went public. Then, they slowly moved to a more diversified portfolio.

In addition, investing can be used to grow and protect wealth, and there are many different types of investments that can be made.

For the average Joe, investing needs to be crucial for growing your wealth. There are also many different ways to invest, so it is essential to find the right option for each individual.

Learn how to invest in stock for beginners.

3. Influencer Status

Influencer status is a term that refers to the type of person who has an influence on social media, through books, or in fashion.

Typically, influencers are individuals who have a large social media following and have the power to make or break products.

Becoming a media star is the first step, but it’s only likely to make someone a billionaire if they can leverage that star status into building successful businesses. For many celebrities, this means starting their own production companies, launching product lines, or creating exclusive content deals.

At 21 years old, Kylie Jenner is the youngest self-made billionaire in the world due to the success of her company, Kylie Cosmetics. The company was founded in 2015 and has since sold over $630 million worth of products. Jenner’s story is an inspiration to young entrepreneurs who want to make it big.

Now, Take Some Lessons from Billionaires

Picture of stacks of hundred dollar bills for some billionaire lessons.

The chances of you becoming the next billionaire is slim. However, there are plenty of lessons to learn from those earning 10 figures.

There are a lot of lessons that can be learned from billionaires. They have achieved a level of success most people only dream of, and there is a lot to be learned from their stories. One thing that stands out among all billionaires is their resilience in the face of failure. They understand that failures are an important part of the learning process, and they use them to propel themselves forward.

While some people might see billionaires as lucky, the truth is that they have worked hard for their money.

In addition, excellence is a habit for billionaires; it is something that they do on a daily basis. In fact, many have a set billionaire morning routine.

Sure, billionaires have long-term goals, but they also take the time to break these goals into manageable milestones. This allows them to focus on their end goal while ensuring that they don’t become overwhelmed by it. In addition to setting goals, billionaires also know the importance of being decisive and taking calculated risks.

From the 3-comma club members, we can learn a lot about work ethic. Most of these billionaires achieved their wealth through sheer hard work and perseverance. They are not afraid of long hours or tough challenges, and they never give up on their dreams.

Now, the chance is for you to see how many figures you can earn.

Know someone else that needs this, too? Then, please share!!

Source: moneybliss.org