Dali's Financial Services

11/27/2025

11/22/2025

11/18/2025

⭐ DIME Method: How to Calculate Life Insurance Needs

(Debt • Income • Mortgage • Education)

The DIME Method is one of the simplest and most effective ways to determine how much life insurance a family truly needs. It helps ensure that, if something happens, your loved ones will be financially protected and able to maintain their lifestyle.

⚠️D — Debt

Include any debts that would need to be paid off immediately so your family is not burdened.
Examples:

✅️Credit cards

✅️Personal loans

✅️Car loans

✅️Student loans

✅️Medical bills

✅️Taxes owed

Formula:
👉 Add up all outstanding debts (except your mortgage — that comes later).

⚠️I — Income (Income Replacement)

The goal is to replace your income for a certain number of years so your family can continue living comfortably.
Most families choose 10 years of income replacement, but it can be adjusted based on age, job stability, and children’s ages.

Formula:
👉 Annual Income × Number of Years Your Family Will Need Support

Example:
If you make $60,000 and want to replace income for 10 years:
➡️ $60,000 × 10 = $600,000

⚠️M — Mortgage

Protect your home by ensuring your mortgage can be fully paid off.

Formula:
👉 Remaining balance on your mortgage.

Example:
If you still owe $250,000 on the home, include the full $250,000.

⚠️E — Education (Children’s College Costs)

Estimate how much you want to set aside for your children’s education.

Average cost per child varies, but a good planning guideline is:

Public college: $80,000–$120,000 total

Private college: $150,000–$250,000 total

Formula:
👉 Average cost per child × Number of children.

‼️‼️⭐ Why the DIME Method Works

✔ Simple
✔ Clear and easy for clients to understand
✔ Covers ALL major financial responsibilities
✔ Prevents families from being underinsured
✔ Helps clients identify realistic coverage needs

Dali Josipovic
678-776-1395/678-221-7953

11/15/2025

Just a quick update — Medicare enrollment runs from October 15 to December 7, and Health Insurance (Marketplace/Obamacare) renewal and new enrollments run from November 1 to January 15.

As we are consulting with you and preparing your 2026 health insurance, here are some important updates that may affect your plan:

📍 Change of address
📄 Citizenship / immigration status
💵 Change in income
👶 New baby in the family
🎓 Children turning 18
💍 Divorce / marriage
🏥 Change of your current health plan
🧾 Number of people listed on your tax return

… or anything else you feel may be important 😊

Over the next days and weeks, my office (678-221-7953) will be reaching out to help review your plan and confirm any updates.
You can also reach back directly to my office or myself—whichever is easier for you.

⭐ REFERRALS:
For every referral, simply send me the person’s name and phone number — and if I am able to help them, I will send you a GIFT CARD as a thank-you! 🎁✨

Thank you so much for your trust and support! 💙

Dali Josipović 🌞
📞 Cell: 678-776-1395
🏢 Office: 678-221-7953

11/15/2025

November is Long Term Care Month ❗️

Did you ever think about......preparing FOR YOURSELF instead depending on others❓️

✅️What if you have bad car accident❓️
✅️What if you get sick❓️
✅️What if you need 24h care❓️
✅️Who is willing to quit/ take off from their job to be with you❓️
✅️Who is willing to leave their family and come take care of you❓️

🙏I'm sure everyone will sacrifice for few day's but who will be willing to take off for month & possibly years🤔❓️

How will you pay 💲 for long term care❓️

The sad fact is that most people don’t know the answer to that question🤷. But solution is available if you plan ahead.🤔

♿️The Medicare misconception. Too many people think Medicare will pick up the cost of long term care. ⛔️
⚠️MEDICARE IS NOT LONG TERM CARE INSURANCE.
Medicare will only pay for the first 1️⃣0️⃣0️⃣days🥵 of nursing home care, and only if 1) you are getting skilled care and 2) you go into the nursing home right after a hospital stay of at least 3 days.🤯 Medicare also covers limited home visits for skilled care, and some hospice services for the terminally ill. That’s all.3

Why procrastinate❓️
The earlier you opt for LTC coverage, the cheaper the premiums.

Ask me about some of the LTC choices you can explore –❗️❗️ WHILE YOU MAY HAVE LIFE, HEALTH or DISABILITY INSURANCE, that’s not the same thing as LONG TERM CARE COVERAGE.❗️❗️
Maybe you already have Stand alone LTC but there are more & better options available. If you have any questions about this, please call me!
Dali Josipovic
678-776-1395

11/13/2025

🌟 Special Invitation for Tonight!

We’re hosting our Health Insurance & Medicare seminar tonight on Zoom for all our clients, friends, and anyone who couldn’t make it to our office last time — including those in other states.

This session will help you understand your options, recent changes, and how to get the best coverage for your situation. It would be my honor and privilege to have you join us.

📅 Tonight Thursday – 8:00 PM EST
📍 Zoom
Meeting ID: 220 330 4400

Once you confirm you're coming, I’ll send you the password.

Feel free to invite any friends or family who could benefit. 💙

— Dali Josipović
📞 678-776-1395

11/12/2025

🌟 Special Invitation! 🌟

Join us this Saturday at our Live Oak Financial Center for a powerful Fall Virtual Summit focused on financial literacy and building a stronger future! 💼✨

You’ll hear from inspiring leaders across the country who are helping families gain control of their finances, reduce money stress, and build lasting confidence.
If you’ve ever wanted to learn how to protect your income, save more effectively, or even create another stream of income, this event is for you!

📅 Saturday, November 15, 2025
📍 Live Oak Financial Center
5880 Live Oak Pkwy, Suite 140
Norcross, GA 30093
🕛 11:00 AM – 4:00 PM

✅ Learn simple financial principles anyone can apply
✅ Meet inspiring community leaders
✅ Open to everyone – invite a friend or family member!

We’d love to have you with us — come learn, grow, and take charge of your financial future!

📞 Dali Josipovic – 678-776-1395
Helping families build a better and more secure financial future.

11/11/2025

‼️‼️Important Update on Health Insurance 💙

We’ve started reaching out regarding health insurance renewals — new 2026 prices are out, and this year costs are higher. This is mainly because the extra help from the Biden Administration is set to expire on December 31, unless the government reaches a new agreement.

But don’t worry — I’ll help you review your plan and find the best and most affordable option for your situation.

If you or someone you know needs help with health insurance, Medicare, life insurance, or any other financial service, please reach out.
Your referrals are always appreciated, and you can trust they’ll be well taken care of.

— Dali Josipović
📞 678-776-1395

11/11/2025

IMPORTANTE ACTUALIZACIÓN SOBRE SU SEGURO DE SALUD 💙

Ya hemos comenzado a comunicarnos sobre la renovación del seguro de salud — los nuevos precios para el 2026 ya están disponibles y, lamentablemente, este año son más altos.
La razón principal es que la ayuda del gobierno de Biden vence el 31 de diciembre, a menos que se llegue a un nuevo acuerdo en el gobierno.

Pero no se preocupe — le ayudaré a encontrar el mejor y más accesible plan según su situación.

Si usted o alguien que conoce necesita ayuda con seguro de salud, Medicare, seguro de vida u otros servicios financieros, no dude en contactarme.
Aprecio mucho sus referencias, y pueden confiar en que serán atendidos con mucho cuidado.

— Dali Josipović
📞 678-776-1395

11/05/2025

⚠️ Important Message for All Clients

Many of you should have already received a letter in the mail from your provider showing your new plan and costs for 2026.
👉 Please don’t panic!

Due to the government shutdown and ongoing discussions, some discounts and prices may still change depending on how things are resolved.

For now, please:
✅ Review your current plan and costs that you received in the mail.
✅ If you’re okay with the new price, just let me know.
✅ If it’s too high or not affordable, we’ll review and find better options starting next week.

We’ll make sure you stay protected and comfortable with your coverage. 💙

— Dali Josipović
📞 678-776-1395
Life, Medicare Health & Retirement Planning licensed professional.

11/04/2025

Lot's of my clients take this😪😪
https://www.facebook.com/share/1BjWKu3UzL/