Life Insurance in 2017: Business Unusual


The process has changed but the need and value remains the same.

jengaNobody wants to buy life insurance. A recent study by industry association LIMRA (Life Insurance Market Research Association), over six million households across Canada admit that they don’t think they have enough life insurance. To put that in perspective that’s 45% of households, up from 38% in 2006 and 33% in 1999. One of the reasons sited for the widespread discrepancy is a perceived notion that the process of applying for appropriate coverage is difficult and time consuming.

That may have been the case in the past but the truth is it’s no longer true. Like just about everything else, the process of purchasing life insurance is getting faster, easier and more flexible. So, if you’re like nearly half of Canadians surveyed and you would like to purchase more life insurance but have been hesitant to start the process, there is no time like the present to explore the many new solutions that are out there.

Applications are easier

Streamlined applications, less intrusive questions, and web based applications make it much easier to get the “paperwork” done. We are living longer and healthier lives which means that many of the new products don’t require medical evidence, such has blood tests at all, saving time, inconvenience and discomfort. In some cases the entire process can be wrapped up in one meeting, enter the agents office under insured, leave with an active policy in your hands.

Decisions are faster

decisiondiceEven when you still require the old fashioned medical evidence most insurers have implemented more streamlined processes, making it easier to approve applications and provide coverage more quickly. What used to take weeks in some cases can be approved in just one or two business days.

Choices are flexible

The products themselves have evolved significantly in recent years. You can now tailor key aspects of your coverage to fit your specific needs and lifestyle. For instance, it is now possible to earn rewards and save on premiums when you make healthy lifestyle decisions. This is just the beginning, insurers continue to innovate and you can expect more choices and greater flexibility in the future.

Value was never a question

In that same survey 54% of respondents expressed concern about how their family would manage if they died unexpectedly and 43% said that the main reason to have life insurance was that it was a necessary and wise investment. Fully one-third said that if the main breadwinner died, became disabled or experienced a critical illness they would have immediate concerns regarding how to meet everyday expenses.

The thing that has held back many is the impression that life insurance is complex. The reality however is that with the right support from a qualified advisor getting the coverage you need shouldn’t be a hassle. With all of these recent enhancements buying life insurance may be the easiest part of setting up your financial plan.

Ask before you buy

askHere are some of the most important questions to ask your advisor before you sign for a new life insurance policy.

  • How much insurance do I need to adequately protect my family?

  • What’s the best kind of insurance for me – term or permanent?

  • Will this always be the right choice? If not how often will we review my needs?

  • What do I have to do to apply? Are the forms complicated? Will I need to take a medical exam?

  • How quickly can I expect a decision?

  • What happens if I get sick after I buy?

  • Is there any flexibility if my finances change and I can no longer afford the premiums?

  • Can I add any riders to protect other family members as well?

Purchasing life insurance is easier than ever before.  Contact us for a free personal needs assessment.

Lauren C. Sheil is a serial entrepreneur who has been in business for over 25 years. He has operated farming operations, a recording studio and a music manufacturing plant, has written 3 books on Economics and Christian Ethics and presented his ideas to business owners and ministry leaders from all over the world. His latest book “Meekoethics: What Happens When Life Gets Messy and the Rules Aren’t Enough” is available on Amazon.com.

Mr. Sheil is currently a Financial Security Advisor and Business Planning Specialist with one of Canada’s premier financial planning organizations.  He is passionate about helping entrepreneurs to live life to the fullest while Eliminating Debt, Building Wealth and Leaving a Legacy.  

He can be reached at themeekonomicsproject@gmail.com or by calling 613-295-4141.

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When You Don’t Know What You Don’t Know


“Thanks for offering to answer my questions but I don’t feel like I even know enough to know what I should ask. I’d rather not waste your time.”

That was how a perspective client started a conversation with me the other day. We have been personal acquaintances for about five years now and a few weeks ago when I had advertised my financial planning seminar she had wanted to come but couldn’t make it work with her schedule. I causally offered to meet for coffee sometime and answer her questions directly. The next time we spoke, a few weeks later, that’s what she said.

The sentiment expressed in this comment is all too common. It comes from a place of self deprecation and humility but also a false belief that professional advice is somehow reserved only for the “elite”. Nothing could be further from the truth.

statsStudies have shown that of households who consult with a Financial Advisor 60% feel prepared for a financial emergency, 65% feel they could manage through tough economic times and 73% are confident their families will be taken care of if they died.

So I said to my acquaintance and perspective client;

“I am actually glad you feel that way, the entire advice industry is based on the assumption that we don’t know what we don’t know so I start by asking you a series of questions to help frame your goals and dreams. The fact is you do know what questions you want to ask, you just don’t have enough confidence to ask them yet. My first task is to help you see that your questions have merit so you feel comfortable asking them.”

We’re meeting next week.

The fact is life can be complicated. When you hesitate to ask questions about things you don’t understand it makes things even more complicated than they need to be. Back in college I had a professor who used to say that the only stupid question is the one you don’t ask. When you don’t know what you don’t know you need to ask questions, even if you don’t quite know what to ask.

I’m in the advice industry and my best advice, regardless of the situation boils down to one thing – Ask Questions.

anglesA good Financial Advisor will provide integrated advice that will ensure your security is viewed from every angle. From tax advantages and protection from market volatility to personal risk management and paying attention to debt, a sound financial plan gives your financial security the attention it deserves. By guiding you through a goal setting process your advisor it will start to answer questions you might not even know enough to ask.

Don’t ever feel like you don’t know enough to talk to an expert. That’s what we are here for.

Lauren C. Sheil is a serial entrepreneur who has been in business for over 25 years. He has operated farming operations, a recording studio and a music manufacturing plant, has written 3 books on Economics and Christian Ethics and presented his ideas to business owners and ministry leaders from all over the world. His latest book “Meekoethics: What Happens When Life Gets Messy and the Rules Aren’t Enough” is available on Amazon.com.

Mr. Sheil is currently a Financial Security Advisor and Business Planning Specialist with one of Canada’s premier financial planning organizations.  He is passionate about helping entrepreneurs to live life to the fullest while Eliminating Debt, Building Wealth and Leaving a Legacy.  

He can be reached at themeekonomicsproject@gmail.com or by calling 613-295-4141.

 

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Are You A Survivor?


survivorLast night my wife and I watched the season finale of Survivor. I know we are a bit late to the party on this one but we tend to load up our PVR and binge watch things over a few days rather than invest an hour or two a week for several months. We miss the boat on some of the water cooler talk that way but in the long run it saves us lots of time so it works for us.

Usually when I watch Survivor I can’t help but wonder what the real survivalists think of this show. Forget the school yard games and the psychological game play, that’s clearly just for TV. What I want to know is how realistic are their attempts to build shelter and hunt for food? I’m guessing not very.

I am clearly not a survivalist. I don’t even have the recommended 72 hour emergency kit in my house. I know where my flash light is (I think) and the last time I used it the batteries seemed okay. I usually have at least a few bottles of water in the house but if there were to be a serious interruption of services, like a long term power outage brought about by a massive winter storm or the Zombie Apocalypse I’m pretty sure I would be one of the first to die.

All kidding aside though, all this talk of survival though got me wondering about how many of my readers would survive another type of emergency, a financial one.

emergencyLast fall Manulife Bank completed a homeowner debt survey. They found that half of the households polled have less than $1,000 in emergency savings. But considering the impact of a job loss or the cost of making a major repair like replacing a roof or a furnace, $1,000 clearly won’t go very far.

In addition to the more common unexpected expenses, consider a couple of others as well, like pet care and aging parents. Unexpected health care expenses for Fluffy the Cat can run into the thousands, $1200 for dental care alone. Provincial health plans rarely provide the level of care aging parents might need following surgery or any other kind of health crisis. Not to mention the cost of travel if you live a distance away and if you need to make a last minute trip to attend to their needs.

The survey found that while 73% of homeowners believe they are at least somewhat prepared to deal with the unexpected, 38% admitted that they were caught short when something did happen, 24% didn’t even know if they had any emergency funds at all and 13% admitted to having no money set aside for emergencies.

Click this link to my financial readiness quiz and see what areas could use some improvement in your life then call me to talk about your results and figure out what next steps you should take to boost your score.

Results

0-38 points – Some serious improvement needed

39-60 points – Moderately ready

61-75 points – Financial readiness all-star

Mr. Lauren C. Sheil is a serial entrepreneur who has been in business for over 20 years.  He is currently a Financial Security Advisor with one of Canada’s premier financial planning organizations.  He holds dual licenses from the Financial Services Commission of Ontario (FSCO) for Life, Disability and Critical Illnesses Insurance and the Mutual Fund Dealers Association of Canada (MFDA) for personal investments.  He is passionate about helping people to live life to the fullest while Eliminating Debt, Building Wealth and Leaving a Legacy.  

He can be reached at themeekonomicsporject@gmail.com or by calling 613-295-4141.

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Add value to your financial plan. Work with a professional.


financial-adviceFinancial advice is easy to find. Family and friends are always trying to tell you what to do. You can find financial advice and information online, in magazines and books and on the nightly news.

Most people prefer to deal with their banker, thinking that it will be easier to keep all of their financial transactions in the same place, but the fact is the bank may not have access to some of the most important pieces of a complete financial plan. Some people even ask their lawyers and accountants for advice, especially when making decisions about their business or their estate.

The fact is that advice is usually cheap and easy to find.

But what advice is the right advice?

Can you find out the best way to protect your family and your business from a banker who has little to no knowledge about Life Insurance? Should you ask your accountant, who is most concerned about reducing your taxes in the short term, how a decision made today will affect you in the future? Are you getting a good image of the big picture from professionals who are focused on one area of expertise?

When you stop and think about it, taking a do-it-yourself approach to financial planning and pulling in bits and pieces of advice from specialized sources like this usually becomes overwhelming quite quickly. There are just too many investment and insurance options to choose from.

financial-advisorDeveloping a relationship with a professional financial security advisor can help cut through the noise and figure out what you should be focused on and help you build a complete financial security plan that puts your needs and goals first.

A good financial advisor will know that each product you purchase, whether it’s an investment in a Registered Retirement Savings Plan (RRSP) or some form of insurance policy, will perform a vital role in your overall plan and what specific need or goal it will help you to accomplish.

A good advisor also knows that helping you develop a sound plan is about way more than just making a sale. A comprehensive plan should also include advice on such diverse topics as tax strategies, estate planning, your retirement savings, child and continuing education, insurance and other forms of risk management.

A financial advisor is a hugely important member of a whole team of professionals you should have working on your behalf. Depending on your needs a team that can also include your banker, your accountant and a lawyer as needed.

Like the other experts on your team, a financial advisor is a specialist in the field and can help identify opportunities even the most financially-savvy investor may not know about. A financial advisor takes a holistic and long-term approach to your security that is based on consistency, understanding, and trust.  And that is the kind of value added that I don’t think you can find anywhere else.

rrspRRSP season is just around the corner, if you haven’t already done so, now is the perfect time to bring a financial advisor on board to help you develop a comprehensive financial plan, not just for this year, but for the rest of your life.

To learn more about the benefits of working with a financial advisor, drop me a line…

Mr. Lauren C. Sheil is a serial entrepreneur who has been in business for over 20 years.  He is currently a Financial Security Advisor with one of Canada’s premier financial planning organizations.  He holds dual licenses from the Financial Services Commission of Ontario (FSCO) for Life, Disability and Critical Illnesses Insurance and the Mutual Fund Dealers Association of Canada (MFDA) for personal investments.  He is passionate about helping people to live life to the fullest while Eliminating Debt, Building Wealth and Leaving a Legacy.  

He can be reached at themeekonomicsporject@gmail.com or by calling 613-295-4141.

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The Right Fit


Finding the right financial advisor can do wonders to help you reach your goals.

tailorHave you ever noticed how many of the biggest goals in life tend to have a financial component? Yes okay, you can learn a foreign language or train for a triathlon (like I am), without making a big financial commitment. But for the really big life events like buying a home, starting a family or helping your kids go to university, not to mention retiring or creating a legacy, without disciplined planning, your goals will just become pipe dreams and slip away.

If you’re like most of my clients, juggling a career and family, you don’t have time to figure it all out for yourself, either. And like most Canadians, you probably feel like you don’t have the knowledge to take on the complexities of financial planning by yourself. That’s when seeking the advice of a professional can give you a huge boost. In fact, getting the right person working on your team can make all the difference in helping meet, or even exceed your goals. According to research by the Investment Funds Institute of Canada (IFIC), the retirement accounts of Canadians who retain the services of a financial advisor significantly outperform those who don’t.

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The stakes are high when it comes to talking about something as important and personal as your retirement accounts. Your expectations of your advisor need to be just as high. Like all good advisors my commitment to my clients is to do at least these three things:

  1. Learn about you. This means endeavoring to understand your family’s goals both short- and long-term, not just your finances but also your general hopes and dreams.   Just as importantly, your advisor should help you understand your attitude toward risk. Do you avoid risks at all costs? Do the ups and downs of the markets excite you? Or more commonly, are you want I like to call a Goldilocks investor, not too hot and not too cold.
  2. Build your plan. This is the part where the term Financial “Advisor” gets its name. We’re all about giving advice after-all. As your advisor I will create an actionable plan that contains a number of things that you can do immediately. The plan will also show some milestones to be achieved later. A complete plan will include:
  • Debt management – this should be the first part of every financial plan, if you don’t pay attention to your debt there is no point in going any further.

  • Systematic savings – predetermined and agreed upon amounts to put aside regularly (usually monthly).

  • Investment portfolio – keeping in mind your attitude and tolerance toward risk, a well planned portfolio should both protect and grow your assets.

  • Tax strategy – Ben Franklin was right, there are only two certainties in life, death and taxes, but smart people know how to a least minimize and differ the amount of tax they pay.

  • Risk management – There is nothing any of us can do about death, life, disability and critical illness insurance are integral parts of all financial plans that help to protect your family from the inevitable and the unthinkable.

  • Retirement plan – Everyone at some point will stop working, either by choice or out of necessity. The plan will include projections of when you can expect to retire, and with how much money.

  1. Adjust your plan. Life is never systematic and fixed, change is a given and often unexpected. Your plan must be flexible and reviewed regularly. I contact my clients at least twice a year just to check in and make sure all is well, generally with a phone call on your birthday and a summary report around the anniversary of our setting up your plan. We will also try to have a sit down meeting once a year to check your progress, revisit your goals and, if necessary, reset your course.

 Not just about retirement

notjustretirementA lot of Canadians start thinking about engaging an advisor somewhere in their 40s or 50s, when retirement starts to look like a real possibility. Major life events like buying a home or becoming a parent also tend to trigger a need for a financial reckoning and a bit of outside advice. But you don’t have to wait for big goals to appear either. Maybe you just want to save up for a new car or take a vacation without going deep into debt these are all good reasons to make an appointment with an advisor.

The point is, you call the shots with your advisor we work for you after-all. Anything from helping you to create a comprehensive estate plan to just being an impartial third party sounding board for your own ideas.

Finding the right fit

Every client and every advisor are unique individuals, and each party brings a different set of personal experiences and professional skills to the relationship. And don’t discount that “gut feeling” everyone gets when they first meet someone new either. Personally I know that I work best with people who share some of my core values. They are:

Integrity, Stewardship, Humility, an openness to learning and accepting that you might not even know what you don’t know, and an unwavering commitment to avoid and eliminate debt.

My mission statement says it all:

I am here to teach you to Eliminate Debt, Build Wealth and Leave a Legacy.

If you think you can align with those core values and goals I think we can find a way to work together. Contact me any time at themeekonomicsproject@gmail.com and let’s get started.

Mr. Lauren C. Sheil is a serial entrepreneur who has been in business for over 20 years.  He is currently a Financial Security Advisor with one of Canada’s premier financial planning organizations.  He holds dual licenses from the Financial Services Commission of Ontario (FSCO) for Life, Disability and Critical Illnesses Insurance and the Mutual Fund Dealers Association of Canada (MFDA) for personal investments.  He is passionate about helping people to live life to the fullest while Eliminating Debt, Building Wealth and Leaving a Legacy.   (And he really is a triathlete.)

He can be reached at themeekonomicsporject@gmail.com or by calling 613-295-4141.

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3 Things Canadians Need to Know Before Midnight on December 31st


1159Every year there are number of laws that go into effect on the first of January.

2017 will be no different. As a financial security advisor here are a few things I think you need to know in order to make sure you are ready when the clock strikes midnight on December 31st.

1 – Life Insurance rules. It’s no secret that people are living longer. In 2011 the federal government under Stephen Harper ordered the life insurance industry to change the dividend scales we use to calculate the growth of certain life insurance policies (and subsequently the rates we charge for coverage) to better reflect this fact. As a result, starting in 2017 the dividends in these polices will assume an average life expectancy of age 90, up from age 85. They will grow more slowly and cost you more.

According to a 2013 survey life-insuranceby industry association LifeHealthPro, 85 percent of consumers agree that having Life Insurance is good idea, yet only 62 percent actually own any. That means that over 20 percent think that Life Insurance is a good idea but never get around to buying it! If you were planning on purchasing Life Insurance in 2017 or later, do it now! Policies purchased and put in place prior to the end of this year will be grandfathered on the old system and could grow an average of 10% faster than policies issued just one second later.

If you live in Ontario I can help, follow this link to book a no charge consultation.

2 – Income Annuities. Similar to Life Insurance, the income amounts for annuities are based on average life expectancy. You guessed it, with people living longer the industry is being forced to change the way it calculates payouts for income annuities. As with the changes to life insurance the difference between an annuity purchased in 2016 and those purchased in 2017 or later equal a difference to consumers of about 10%.

Annuities are often confused with RRIFs and other income vehicles but there are very different in function, guarantees and taxation. Depending on your needs for a secure income the differences are significant. A recent informal survey found that 4 out of 5 retirees who previously used only RRIFs to fund their retirement switched at least a portion of their income to annuities when they calculated their life expectancy and learned when the money in their RRIF accounts would run out compared to the life time guarantees available in an annuity.

Don’t let the rule changes come in 2017 leave you out in the cold come January.

Book your no charge consultation here

rrsp3 – RRSP Deadline. Okay so admittedly for this one you have more time. The actual deadline to make your 2016 RRSP contribution is March 1, 2017 but why wait? Seriously…

This year’s contribution limit is $25,370 or 18% of your gross income, whichever is less. If you have a pension or are contributing to a plan through your workplace the available limit will be offset so that you can never contribute more than the maximum to any retirement savings plans.

If you haven’t maximized your RRSP contribution yet for 2016 why not pull out your tax assessment from last year, find out what your total contribution limit is and make a plan.

Book your no charge consultation here.

As I said before, this is a busy time of year.  Enjoy the holiday season but don’t ignore the calendar, you aren’t getting any younger….

 

  

 

Protecting what you work for


Safeguarding your family’s lifestyle with insurance

When you first started working, you may not have given insurance a second thought. However, as you enter your peak earning years, you have a lot more to protect. It’s likely that you and your family depend on your salary for the lifestyle you enjoy – and life, critical illness and disability insurance can help protect that lifestyle if you are unable to work.

The number one cause of bankruptcy in Canada is an unexpected and uninsured illness or injury. That is why I placed “Regulate Risk” as number 2 in my Six Steps to Financial Freedom. If you haven’t already subscribed to this page and received your free copy of my e-book of the same name you can request it here.

There is a lot of confusion about the various types of personal risk insurance on the market so here is a quick primer of the three most common types of insurance and how they work. Contact us any time for more information or to schedule a FREE, no obligation consultation.

Life insurance

Life insurance is important for everyone, especially if you own a home, have children or are responsible for other family members. How much you need depends on factors such as you debts (e.g., your mortgage), education goals for your children and other income needs. Here are two of the most common types of life insurance:

Permanent life insurance (also known as whole life and universal life) provides protection for life, as long as your premiums are paid. In some cases, you can accumulate a tax-advantaged investment or cash value that may increase the amount you leave to your beneficiary.

Term life insurance provides protection at a guaranteed rate for a specific period of time, typically 10 or 20 years or to age 65. The policy is renewable at the end of the term, though the rate will be higher. This type of insurance is often used to cover a financial obligation that will disappear in time, such as a mortgage.

Critical illness insurance

Even though survival of heart attacks, strokes, cancer and other critical illnesses is increasing, recovering from such setbacks often requires weeks or months away from work. Extra costs, such as alternative treatments and accessibility modifications to your home, may not be covered by your provincial health plan.

Critical illness insurance provides a one-time cash benefit if you’re diagnosed with one of the conditions defined in your contract. The benefit can help support the day-to-day needs of you and your family while you take the time to access treatment get well and return to work.

Disability insurance

Relatively common conditions such as depression or osteoarthritis may prevent you from working for a period of time. So can a serious car crash or back injury.

Disability insurance provides monthly benefits to help replace your salary or wages after an accident or illness. This type of protection is especially important if you job is your family’s primary source of income or if you run your own business.

Do you have enough coverage?

Keep in mind that, even if you have insurance through a benefits plan at work, it may not be enough to maintain your family’s current standard of living in the event of your death, critical illness or disability. An individual policy can help top up your benefits – and stay with you if you change jobs.

Check out the insurance calculators provided on our product pages to find out how much insurance you may need and the potential costs. Contact us any time to schedule a FREE, no obligation consultation.

Houston – You Have A Problem!


houstonLet me say it again – You have a problem!

Everyone who has ever lived, currently living and will ever live has the same problem.

There is no solution to this problem.

But there is a way to make it seem a little less scary and a little less painful for the people around you, the people you love and the people who depend on you to solve the problem.

What is this unsolvable, 100% unavoidable problem?

 

 

You’re going to die!

Probably not today and probably not tomorrow, hopefully maybe not for a very long time, but the probability that you will die is 100%. There is no cure coming for the end of your life. There are no research labs, no doctors and no scientists working on a cure for death. Sure they are trying to figure out ways to combat certain diseases and we are all living longer but that just creates another problem, the problem of outliving your money.

But one problem at a time.

Everybody dies. That’s a fact.

I cannot solve this problem. No one can. But we can make it a little less painful for you and the people you love.

How?

Insurance!

Life Insurance to be exact. But let’s be clear, you actually don’t need life insurance. You don’t need it because it’s not about you. Simply put Life Insurance is money for your loved ones when they need it the most.

Money when they are hurting, your income suddenly stops, your debts come due and you are no longer there to do all the things you do to keep your family safe and secure.

coupleattableLet’s be honest, money can’t replace everything you bring to this world. It can’t hold your partner’s hand and tell them everything is going to be all right. It can’t drive your kids to hockey practice, give them dating and career advice or make a toast at their wedding. But it can make sure your family gets as close to a normal life as possible if the unthinkable happens.

Money can ensure a measure of stability, help your kids get an education, find happiness and have families of their own.  And that’s the ultimate goal right?

So I’ll say it one last time – You have a problem!

There is no real solution to your problem. But you can at least make it a little less painful for the people you love.

My name is Lauren C. Sheil. I’m a Financial Security Advisor. And my mission is to help you solve your money problems. I want to help you live life to the fullest, even though all good things must come to an end, and to teach you live debt free, build wealth and leave a legacy.

Call or text me today for a FREE, no obligation consultation: 613-295-4141

Let’s solve some problems.

4 Things to Know For Tonight’s Webinar


webinarGood day!

Tonight is the night. My first ever live on-line seminar!

I’m about to spend the next few hours putting the finishing touches on the Power-Point that will go out over the internet for all the world to see. It’s exciting and a bit nerve wracking at the same time. I know this material, and I’ve presented it in small intimate gatherings before. That’s not the issue. I’m just nervous that a) nobody will show up, b) so many people will show up that I will be overwhelmed, c) the technology will somehow fail me, or d) I will be asked a question I can’t answer and the audience will become hostile. Even if some of these fears are unfounded, or worse, all of them come true, I still need to be as prepared as possible so that nothing goes horribly wrong.

If you are planning on joining me, here are a few things you need to know going in.

1 – This is all new to me.

As I said off the top, I’ve done these seminars before but never on-line. The technology looks relatively simple but if something goes wrong technically please don’t hurt me.

2 – I am genuinely passionate about what I do.

I hope it’s already obvious but sometimes I get carried away and even a bit emotionally when I’m presenting. Passion can be a good thing when properly channelled, I hope I can do that and remain and effective presenter.

3 – I am licensed to sell investment and financial risk management products in Ontario, Canada only.

The principles I teach are universal but some of the specific products I mention may or may not be available in your jurisdiction. I apologize in advance if that’s the case.  Feel free to contact a locally licensed representative to help you out. If you don’t know anyone I have lots of contacts all over the world, I’d be happy to help you find someone.

4 – At the end I am going to try and sell you something.

I recognize that there will be some people who will want to go deeper and I am available for one-on-one coaching, for a fee. If there are any of the concepts or programs that I mention that you are interested in, and I am able to help you (see 3 above) I will be more than happy to.

So there you have it. If you would like to join me on-line the seminar starts at 8:00 pm Eastern Daylight Time. Here’s is your log in information….

https://global.gotomeeting.com/join/959869893

Use your microphone and speakers (VoIP) – a headset is recommended. Or, call in using your telephone.

United States: +1 (213) 289-0021

Australia: +61 2 8355 1039

Austria: +43 7 2088 2172

Belgium: +32 (0) 42 68 0180

Canada: +1 (647) 497-9379

Denmark: +45 89 88 05 39

Finland: +358 (0) 931 58 4588

France: +33 (0) 170 950 589

Germany: +49 (0) 692 5736 7301

Ireland: +353 (0) 15 360 757

Italy: +39 0 294 75 15 37

Netherlands: +31 (0) 108 080 116

New Zealand: +64 9 801 0294

Norway: +47 21 51 81 86

Spain: +34 911 23 4248

Sweden: +46 (0) 852 500 516

Switzerland: +41 (0) 435 0824 41

United Kingdom: +44 (0) 330 221 0099

 

Access Code: 959-869-893

Audio PIN: Shown after joining the meeting

 

Meeting Password: October2015

Meeting ID: 959-869-893

 

Not at your computer? Click the link to join this meeting from your iPhone®, iPad®, Android® or Windows Phone® device via the GoToMeeting app.

See you tonight!

For more information on The Meekonomics Project or if you have any trouble logging into the meeting, write to: themeekonomicsproject@gmail.com