Les Schlais – How To Pack Light

As a regular traveler, Les Schlais has to ensure that he packs appropriately for every destination that he heads to. In some cases, this means packing lighter than he might have wanted to. This is a common problem that is often faced by people who are traveling on budgets, so try to keep these pointers in mind to ensure you pack light, while still having everything you need.

Make A Checklist
If you have restrictions on your packing the first thing you should do is create a checklist of all of the things you think you will need at your destination. With that in place you can start pruning the items that may not be essential. For example, toiletries can often be purchased at the destination and most hotels will offer the basics, like soap and shampoo.

Fold and Roll
How you pack your clothing can make a big difference in terms of how much you can fit in your suitcase. If you just throw clothes into the bag you use up space that could have been used for other things. Fold all of our clothes neatly and then roll them, as this allows them to fit together better, resulting in my space in your suitcase.

Wear Heavy Clothing
Heavier items of clothes, such as boots, coats and sweaters, should be worn during the journey so they don’t take up valuable space, or add more weight, to your suitcase. This may be a little uncomfortable, but remember that you can always take a coat or sweater off during the journey.

Les Schlais is an entrepreneur and experienced traveler.

Les Schlais – How To Develop A Strong Work Ethic

One of the many reasons why Les Schlais has achieved so much success in financial services is that he has a strong work ethic, which he demonstrated at an early age. He held a number of jobs as a youngster, including working as a paperboy and working on commission in a potato shed, all with the aim of moving forward in his later career. A good work ethic will get you far in life, so here are some useful tips that should help you develop yours.

Don’t Procrastinate

If a job needs doing you should make it a point to do it as quickly as possible. Many people make the mistake of leaving small tasks for another day, which results in them building up to the point where they become exceptionally difficult to do. If you are in a position to do the job now you should take advantage of that. You will find that your work ethic improves over time.

Embrace Responsibility

Many people shy away from responsibility, which often manifests itself in the quality of the work they put out. By accepting your responsibilities, you develop an understanding that nobody is going to do your work for you. This will offer you the drive you need to keep pushing forward and meeting those commitments.

Have Goals

Les Schlais is a goal-oriented person, which is something that he brings into his work. Having goals in mind offers you something to strive towards, which can provide much-needed motivation during difficult times. Always remember what you hope to achieve and the amount of work needed to get there.

Les Schlais – Family First

Les Schlais was born in Placerville, California, and he spent the first five years of his life in Sacramento. Subsequently, he moved to Bakersfield, California. He made a significant mark during his formative years in this unique San Joaquin Valley community. He starred on the high school football team, and he also played college ball. He was named the most inspirational student in is high school as a senior, and the football team also recognized him for his inspirational qualities. Though he was a standout athlete, he was also an exceptional student. He graduated from high school with a 3.5 grade point average.

Les Schlais continued to call Bakersfield home when he embarked on a professional career as an adult. This is where he gained his expertise in the insurance industry. He has been living in Los Angeles since 2003, and in 2009, he co-founded SYNCIS. This is a financial marketing organization, and he is currently the company’s CEO.

The successes that Les Schlais has enjoyed in the business world are clearly on display for all to see. However, behind the scenes, there is another side to this well-rounded Californian. He makes his family a priority outside of the workplace. He is married, and he is the father of six children. He also has four grandchildren, and his success allows him to do nice things for his loved ones. His family gets together for reunions twice a year, so he has ample opportunities to keep in touch with all of his relatives.

 

Les Schlais – Building on Experience

Les Schlais has steadily built on his successes in the life insurance industry over the last thirty years or so. Back in 2009, he co-founded SYNCIS, and he currently holds the position of Chief Executive Officer. This is a financial marketing organization that provides consumers with information about financial products and services that are available to middle class families. They endeavor to arm people with knowledge so that they can make their own sound financial decisions.

If you want to be able to rise to lofty heights within a particular industry, you have to stay focused for an extended period of time. Ideally, the sooner you identify the area that you want to pursue, the better. As we stated in the opening, Les Schlais has been focusing on life insurance for three decades. You can get a formal education, and you can read books and trade publications, but there is no substitute for long experience within a particular industry. There are subtle nuances that simply cannot be taught.

Plus, laws and financial product offerings are always changing. Someone like Les Schlais has witnessed all of these twists and turns over the many years that he has been in the business. This is an invaluable perspective that is difficult if not impossible to find. To this day, he continues to keep a finger squarely on the pulse of the industry that he has dedicated his professional life to. If you follow a similar path within your own area of interest, you may be able to enjoy a comparable level of career success.

Les Schlais – Estate Planning 101

Les Schlais has been in the financial industry, with a focus on life insurance, for decades. He has taken his experienced to the ultimate level as the co-founder SYNCIS, which is one of the most recognizable financial marketing organizations in the United States. During much of his career, life insurance has been the insurance product he has focused on. This type of insurance is very relevant to the estate planning process, and unfortunately, far too many people are completely unprepared from an estate planning perspective. Studies are periodically conducted, and the results are quite surprising when you put them into the appropriate context. Rocket Lawyer is a company that sells templates and downloads that consumers can utilize to create their own legal documents. These would include estate planning documents like wills and trusts. They have conducted surveys that evaluate the estate planning preparedness of American adults. In 2014, their survey found that sixty-four percent of Americans do not have a last will in place. Amazingly, fifty-five percent of people with children are not prepared from an estate planning perspective.

It would be natural to assume that younger people are less prepared than older folks, and this is true. Four out of every five Americans who are between the ages of thirty-five and forty-four do not have wills. The figure is ninety percent for adults who are between eighteen and thirty-four years of age. Clearly, people usually don’t pass away when they are in these age groups, but nothing is for certain. Perhaps the most amazing statistic is the percentage of older people who have not taken estate planning seriously. According to the survey, fifty-one percent of respondents who were between the ages of fifty-five and sixty-four did not have last wills.

Since Les Schlais has been in the life insurance business for so long, he is very well aware of the importance of estate planning for adults of all ages. In fact, it could be argued that estate planning is more important for younger adults than it is for people who are in their sixties, seventies, or eighties. How could this be so? If you think about it, if you are a senior citizen, it is very unlikely that your children will be relying on you for everything that they need. In fact, they probably won’t have any reliance on you at all when it comes to financial matters. Of course you should have an estate plan in place expressing your final wishes, but if you don’t, you aren’t putting your children at risk. On the other hand, if you have dependent children relying on you, the aftermath could be devastating if the unthinkable was to take place. A life insurance professional like Les Schlais can work together with your estate attorney to take the appropriate steps to protect the people that you love.

References: https://www.rocketlawyer.com/news/article-Make-a-Will-Month-2014.aspx

Les Schlais – A Look at Individual Retirement Accounts

Les Schlais is one of the founders of SYNCIS, which is a dynamic financial marketing organization that has established a firm foothold since its inception back in 2009. This company endeavors to inform consumers about the financial instruments that are out there. They emphasize the fact that they don’t try to sell clients on any particular financial products. Their objective is to make sure that people have the knowledge that they need to make their own fully informed financial decisions. This is a profound endeavor, because the landscape can be overwhelming, and we are constantly being inundated with offerings from every direction.

While Les Schlais is not a financial advisor and does not provide advice about investments or securities products, he believes that it is crucial for individuals to understand the functions of an individual retirement account or IRA. There are two different types of individual retirement accounts that are most commonly utilized: traditional individual retirement accounts, and Roth IRAs. Though there are similarities between these two options, there are also some profound differences.

If you were to establish a traditional individual retirement account, you would make your contributions into the account before you pay taxes on the income. This would give you a tax advantage in the near-term, because your taxable income would be reduced. You can start to take penalty free distributions from a traditional individual retirement account when you are 59.5 years of age. There are certain circumstances can allow for penalty-free withdrawals. These would include a first-time home purchase, qualified education expenses, medical bills that aren’t covered by insurance, and health insurance purchases if you are unemployed.

When you reach the age of 70.5 you are required to take mandatory minimum distributions from your traditional individual account. This requirement is in place as a response to the tax deferred contributions into the account. The tax man wants to be able to get some money eventually, and the distributions are subject to regular income taxes.

The other most commonly utilized traditional individual retirement account is the Roth IRA. Things work in the reverse manner when it comes to taxation when you establish this type of account. You make contributions into the account after you pay taxes on the income. This is the bad news, but the good news is that any withdrawals that you take are not subject to taxation. Plus, since you already paid taxes before you placed the resources into the Roth individual retirement account, you are not required to take mandatory minimum distributions at any time.

However, the same rules apply with regard to penalty-free withdrawals. If you want to do so, you can start taking money out of the account without being penalized when you are 70.5 years of age.

Les Schlais – Traveling Tips

For those who are traveling enthusiasts like Les Schlais, there are right and wrong ways to travel. Proper planning can turn a traveling trip into a wonderful and memorable experience that you will talk about for years to come. Without proper preparation however, it can turn into a nightmare. With a few tips from experienced travelers however, you can ensure a safe, fun experience, and even save some money in the process.

Here are some traveling tips for beginners:

Don’t Hesitate – Airline ticket costs fluctuate frequently. So much that even the airline can’t predict when. So don’t get hung up too much on ticket price changed. If you can find and afford the right ticket, go for it.

Don’t Double Book – This is a problem that occurs a lot when booking tickets online. Sometimes a screen freezes or the browser reloads while you are booking. This has caused many to accidently book the same flight twice. While these can be canceled within 24 hours, often people don’t check until it’s too late. So be sure to check the day after you book just to make sure this doesn’t happen to you.

Closed Pool? No Problem – Sometimes this happens. You book a hotel specifically because it has a beautiful pool, and by the time you get there, the pool is closed. This actually gives you grounds for a room credit. Ask the front desk about receiving compensation for what was promised. They likely won’t make your stay free, but you could win yourself some additional perks.

Les Schlais enjoys traveling, and likes to prepare for each trip.

Source(s): http://travel.nationalgeographic.com/travel/trip-tips-20-fixes/

 

Les Schlais – The History of Gold

As a businessman in the financial services world, Les Schlais looks to market indicators like gold to tell the state of the economy. Throughout history, gold has played an important role not just in economics, but science, as well as industry, politics, and even religion.

Gold was likely first discovered at the bottom of a stream in its natural state, a shining yellow nugget. Gold is speculated to be the first metal known to early hominids because of how it is found in the natural world. Quickly gold became absorbed in every part of human culture. This was likely a result of its natural beauty, malleability, as well as its resistance to becoming tarnished.

Gold was the first metal known to man because it occurs naturally in a very pure state. Gold is also the easiest metal to work, as it requires little effort to bend, mold, or shape. The early use of gold was likely ornamental, as gold was brilliant and resistant to corrosion.

Early civilizations made gold synonymous with god, rulers, and immortality. Gold was often sought after in the name of gods or high-ranking rulers. Intuitively, humans equated gold with power and elitism. Gold also aided in creating a globally accepted economy, as the worth of it was never disputed. Even oday gold acts as an indicator of the stock market, and still retains its symbolized relation to power.

Les Schlais and other individuals in financial services are interested in gold because of the contributions that the metal makes to the global economy.

Source(s): http://onlygold.com/Info/History-Of-Gold.asp

 

Les Schlais – Basics of Insurance

Les Schlais works for an insurance marketing organization. Insurance is an interesting field with its own set of laws, expectations, and functions. Insurance is a form of risk management that effectively transfers the cost of a specific loss to another institution. Fundamentally, insurance works by a company agreeing in a binding contract to cover costs in the case of a certain event in exchange for regular compensation commonly referred to as a “premium”.

Insurance policies are useful because they allow businesses, individuals, and others to protect themselves against large financial losses by paying a regular, affordable amount. The reason that insurance policies are usually only created around events that have high potential cost is because it would not be financially beneficial to pay a monthly premium to protect against small losses.

A good example of an effective insurance policy is life insurance. Many go under the protection of a life insurance policy in order to financially provide for loved ones in the event of their death. A good candidate for a life insurance policy would be a primary “breadwinner” of the home. If the head of a family is the sole source of income, their death would create a sudden and considerable financial loss, especially if you include the costs of funeral arrangements.

Without the benefit of a life insurance policy, it would be very difficult for a family to recover financially from the sudden loss in income. However, a life insurance policy ensures that with only low monthly premium payments, in the event of your death, your income becomes replaced by the policy insurance amount. This helps to provide a financial buffer for the family in order to aid in the recovery process.

Insurance works as a business premise because of what is called “risk pooling”. Risk pooling refers to a large group of people coming together to insure against a large loss. Fundamentally, an insurance company pools the resources of thousands of people through premiums that want protection against large losses. Because the insurance company receives funds from such a large pool, they can use statistical analysis to calculate actual losses, and operate with profitability. This is possible because often the risks that insurance policies cover is relatively low, but are extremely costly when they do occur.

Insurance works because life is full of risks. With the help of insurance policies, some of these risks can be mitigated. When looking for insurance, it is important to calculate the risk, the cost, and the benefit. An analysis of coverage cost and payout is a fundamental part of creating an insurance policy.

Insurance agents like Les Schlais work hard to ensure that every person is educated about the best policy for them.

Source(s): http://www.investopedia.com/university/insurance/insurance2.asp

Les Schlais – How to Achieve Success Professionally

Les Schlais is a professional who has been working in the financial realm for several years. He is also known as an entrepreneur who has the ability to see lucrative investment opportunities when they arise, and take advantage of them. He is currently the Co-Founder and Co-Chief Executive Officer of Syncis, which is an independent, financial marketing organization that works with major insurance companies in order to get the best services for the best rates for their clients. As he was working in the field, he realized that most major insurance and financial companies ignore the needs of the middle class, which is why he started the company in 2009.

Les Schlais understands what it takes to be successful in the professional world. He has worked hard in order to achieve his goals in the financial industry, and is currently operating one of the most successful independent marketing organizations in the industry. Here are some tips for young professionals looking to reach their career goals.

The first thing you need to do is obtain a degree. In this day and age, it is almost impossible for a young professional to enter a career field without at least an undergraduate degree. With more and more students graduating from a university, a degree is becoming essential in the professional world, and it may be worth the time to get an advanced degree as well.

In addition to getting a solid education, you also have to take notice of your strengths and weakness, and then set realistic goals that play to those characteristics. Make sure your goals aren’t too lofty to start so that you can actually achieve them in the field.