JAW Consulting Group, LLC

03/28/2024

CLIENT – How much will it cost to do this job?
CONTRACTOR - $2,800 dollars.

CLIENT – That’s too expensive for this job!
CONTRACTOR – How much do you think it should cost?

CLIENT – $800 max! It’s a simple job!
CONTRACTOR – I can’t do the job for so little.

CLIENT – People in your line of work wants to make a huge profit!
CONTRACTOR – I’m sorry you feel this way. Why don’t you do the job?

CLIENT – But, but, I don’t know how to do any of that.
CONTRACTOR – For $900, I can teach you everything you need to know to do the job. You can then use $800 to do the job, and you’re still saving $1,100. Also, you will obtain all the knowledge and the experience for the next time you need to do this job.

CLIENT – Deal!
CONTRACTOR – Great! To start, you need to buy tools. You will need a chipping hammer, a nail gun, a laser, a drill, a mixer machine, PPE, and some other things.

CLIENT – But, I don’t have any of those tools and I can’t buy all that for just one job!
CONTRACTOR – Ok. I can rent you my tools for another $300. You’re still saving $800.

CLIENT – That’s cutting my savings, but I will rent your tools.
CONTRACTOR – Perfect! I’ll be back Saturday and we can start.

CLIENT – Wait! I can’t Saturday. I only have time today.
CONTRACTOR – I’m sorry, I only teach others on Saturdays. I have to prioritize my time and my tools needs to be in other jobs I have during the week.

CLIENT – Ok then. I will sacrifice my family’s plans on Saturday.
CONTRACTOR – Right, me too! Oh, I forgot. If you’re going to do the job yourself, you need to buy the materials. There’s a high demand nowadays, so your best bet is to get a truck and be at the hardware store by 6am before other contractors get there.

CLIENT – AT SIX IN THE MORNING? On Saturday? That’s too early for me. I don’t even have a truck!
CONTRACTOR – I guess you’ll have to rent one. By the way, do you have some helpers to help you load the truck?

CLIENT – You know what? I’ve been thinking. Probably is better for you to do the job. It’s better to pay you to do the job right and not having to go through all that hassle.
CONTRACTOR – Good thinking. Sign here and let me get to work.

This is the truth.

People are not just paying for a job, they are paying for knowledge, experience, tools, time, family sacrifices, and other things you bring to the table.

Don’t let others dictate your worth.

~Unknown Author

03/12/2024

Your Mortgage Guy -Jamie Lamarr Ware - #406316

What if your mortgage was paid in full in the next 7 years or less what would you do?

02/28/2024

Checking Account: $20k
Saving Account: $100k
Credit Score: 800

02/25/2024

Majorprepapparel.com 🔥🔥🔥🔥

We are committed to providing high-quality products that empower our community to face challenges with confidence, while staying true to our values of authenticity and determination.

02/21/2024

02/14/2024

If you live on a financial budget what is the hardest thing that throws you off track? Besides Target trips??

02/13/2024

Be careful when out there shoveling today this snow is heavy!

02/08/2024

Really good information. IF YOU DO NOTHING ELSE, put a beneficiary on all of your financial accounts like checking savings CDs, Life Insurance, investments etc. You don't need a will for them to get to your money, just a death certificate. And make a list, preferably by hand instead of your computer, either give it to your trusted person, spouse or put it in your security box at the bank. If the person doesn't know you have a savings account or a CD at XYZ Bank, they can never go get the money. Make sure you have a trusted person that is a signer on the security box at the bank.

🗣 IMPORTANT information to get your affairs in order‼️

💰Make sure all bank accounts have direct beneficiaries. The beneficiary need only go to the bank with your death certificate and an ID of their own.

🏡 TOD = Transfer On Death deed if you own a home. Completing this document and filing it with your county saves your heirs THOUSANDS. This document allows you to transfer ownership of your home to your designee. All they need to do is take their ID and your death certificate to the county building and the deed is signed over. Doing this will avoid the home having to go through probate.

👨‍👩‍👧‍👦Living Will: Allows one to put in writing exactly what you want done in the event you cannot speak for yourself when it comes to healthcare decisions as well as other final decisions.

👩🏽‍⚖️Durable Power of Attorney: Allows one to designate a person to make legal decisions if you are no longer competent to do so.

🏥Power of Attorney for Healthcare: This document allows one to designate someone to make healthcare decisions for them.

🛍Last Will and Testament: Designates to whom personal belongings will go to, who the Administrator will be. But if you have a beneficiary on any of your financial accounts, that will override a will. For instance if you say I leave all of my possessions to my daughter Susie, but on your savings account the beneficiary is your best friend, then the money goes to your best friend

🪦Funeral Planning Declaration: Allows one to say exactly one’s wishes as far as disposition of the body and the services.
If the above documents are done, you can AVOID probate.
If all the above is not done, you have to open an estate account at the bank. All money that doesn’t have direct beneficiaries goes into this account. You have to have an attorney to open the estate account. The attorney also has to publicize your passing in the newspaper or post publication at the county courthouse, to allow anyone to make a claim on your property. - It’s a complete PAIN.

📚 💳Make a list of all banks and account numbers, all investment institutions with account numbers, lists of credit cards, utility accounts, etc. Leave clear instructions as to how and when these things are paid.
Make sure heirs know where life insurance policies are located.

📝Make 100% sure SOMEONE knows your Apple ID, bank ID account logins and passwords!

🚗 Make sure you have titles for all vehicles, campers, etc!
Set up a TRUST for intended beneficiaries, especially those that are too young, and appoint a trustee of said trust.

MOST IMPORTANTLY!!!! - Talk with those closest to you and make all your wishes KNOWN. Talk to those whom you’ve designated, as well as those close to you whom you did not designate. - Do this to explain why your decisions were made and to avoid any lingering questions or hurt feelings.

⚡️Hope this helps! ⚡️Hope this lights a spark to encourage all your friends and family to take care of these things to make it easier for those we all leave behind!

My hope is that the above list at least helps you start an important conversation with your loved ones...

(REPOST-I DID) and it’s a very necessary conversation

01/31/2024

🌨️ Debt Snowball Method: A Simple Guide 🌨️

1️⃣ List Your Debts: From smallest to largest, ignore interest rates.
2️⃣ Minimum Payments: On all debts, except the smallest.
3️⃣ Focus on the Smallest: Pay as much as you can on your smallest debt.
4️⃣ Celebrate & Repeat: Once smallest is paid, move to the next one. Add what you were paying on the first debt to the minimum on the next.
5️⃣ Snowball Effect: Each debt paid increases your ability to pay the next, faster and bigger!

✅ Quick Wins: Watch debts disappear fast for motivation.
✅ Simple & Effective: Psychological boost keeps you on track!

Feel free to share this on your social media to help others understand the debt snowball method in a simple and engaging way! 🌟

01/24/2024

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