Why You Need Insurance, Insurance Agents and Insurance Companies

I had my first life insurance policy when I was 21. I did not think I needed it, death was furthest from my mind at that time.

But everyone was getting one (at the office, at least) and so I did too. The bi-monthly deductions hurt (though it did not even reach the one million mark) so it was kind of a hard decision to make. But after courting me day after day, making sure I get the medical exam and pass it, after we did the dance of joy (I signed up), I never saw that insurance agent again. I left the job and forgot the insurance and never knew what became of it. I did not know I had options – take the cash surrender value, buy an extended term insurance or a reduced paid-up insurance or even reinstate within a three (3) year period. I did not do anything because the agent did not take the time, nor cared, to explain my options to me.

And so I look at insurance agents with skepticism. One call, one meeting, and I would find an excuse not to see them again or sign up. It went like this for several years. I did not know I was making unavailable to myself the most basic step in establishing financial freedom – protection.

D and I were to learn this the hard way when our uninsured truck was stolen. We never looked at insurance the same way again.

To have protection is to breathe easy. At the face of uncertainty, there is comfort in knowing that, as in the case of non-life insurance, a loss can be replaced, or in the case of life insurance, premature death will not be a burden to those who are left behind.

But there is another component in life insurance that appealed to me – the savings component, or more accurately, forced savings. The money does not disappear, but is just being transferred from one pocket to another (both mine) and just a little harder to get (which is good). It can earn dividends too that ranges from 4% to 8% to 12% per annum or way above what my bank gives me, and in case of death, my beneficiaries would get a windfall.

Also consider this:

• Unlike savings, the amount intended to be saved in life insurance is guaranteed to be saved, whether or not one lives, or stays healthy long enough to actually save the amount intended.

• Unlike investments in other areas, money invested on a life insurance policy are managed by investment managers with investment expertise and with the necessary element of large volume and diversification.

• Life insurance does not require adequate time, and eliminates the element of uncertainty that characterize other income sources.

• Both the Insurance Commission and the Securities and Exchange Commission look out for the policy holder, making sure laws are followed and certain stringent requirements, like reserves, are met.

And so we are insured. Yes, the payments could be a burden at times but we have peace of mind. We actually should have done this sooner. Aging presents a whole slew of problems, or questions, or challenges for the uninsured.

Lay down the basis for wealth. Find the right policy, find the right agent who will give you the most value for your money, ask the right questions and protect yourself. Make this your concern – now.

Be rich,

Issa

Article by Issa. Art by D. Copyright 2009.
Website: www.YouWantToBeRich.com

success and failure

You can not achieve both success and failure at the same time. Success is persisting until you reach your goals. Yes sometimes success comes in ways we never thought would be possible. We set out to reach our goals and expect them to come about the way we always imagined it in our minds.

The only thing is somtimes we are given different routes to take. It does not mean that you will not experience success; it just means you must be flexible when it comes to reaching your goals. This is what makes every successful person unique. Many of them have failed before in one area of their lives, however they understand and believe that they will achieve the success they set out to achieve.

Failure on the other hand is to quit working towards your goals at the first sign of adversity. Many people who set goals fail to set goals that they are passionate about. If you fail to set goals that you have a burning desire to achieve, you will not have the strength to achieve the success you are looking for.

If you want to achieve financial success; believe in your heart that you too can have it as well. You are no different than anyone else who has ever achieved this stutus. The only thing that everyone else has done, is they have put in the work both mentally and physically to achieve their financial freedom. Begin immediately by setting some goals that you are passionate about and begin spending some time visualizing your success. I do this once every morning and once in the evening. It is important to feel the feelings of success; after all your subconscious can not tell the difference between what is real and what is not.

If you begin feeling the feelings of wealth, guess what you will begin acting like the type of person who has already achieved the wealth. Opportunities will begin presenting themselves to you, your job is just to take action on thos opportunities.

THE LAW OF THINKING by Dr. Raymond Holliwell

"As a man thinketh in his heart so is he." (Prov. 23:7)

To the average person, Life is an enigma, a deep mystery, a complex, an incomprehensible problem, or appears so, but it is very simple if one holds the key. Mystery is only another name for ignorance; all things are mysteries when they are not understood, but when we understand life, it no longer appears mysterious.

Man is a progressive being, a creature of constant growth, before whom lies an illimitable ocean of progress to be navigated and conquered only by development and culture of his inherent powers. The progress of the individual is largely determined by his ruling mental state, because the mind is the basic factor and governing power in the entire life of man. Attention should be given to the pre-dominant mental state, for it will regulate the action and direction of all one's forces, faculties and powers, the sum total of which will inevitably determine many particular experiences and the personal fate.

The ruling state of mind is made up of various mental attitudes which the individual adopts towards things, events, and life in general. If his attitudes are broad in mind, optimistic in tone, and true to life, his predominant mental state will correspond and exhibit a highly constructive and progressive tendency. As almost all the forces of the personality function through the conscious mind in one way or another, and as the daily mental and physical acts are largely controlled by the conscious mind, it is obvious that the leading mental state will determine the direction in which the powers of the individual are to proceed.

If his ruling mental state is upward bound, that is, aspiring, harmonious, and positive, all his forces will be directed into constructive channels; but if his state of mind is downward in tendency, that is, discordant and negative, then almost all his forces will be misdirected.

It is evident, therefore, that of all the factors which regulate the life and experience of man, none perhaps exercise a greater influence than the ruling state of mind. Mental attitudes are the result of ideas, and these have their origin in points of view therefore, by seeking true and natural points of view, one may secure the best and most superior ideas, and these in turn will determine the predominating state of mind.

We are prone to believe more than what we see. The evidences of the senses are the only facts that some accept, but now we shall realize more and more that it is what we believe that determines what we shall see. In other words, believing is seeing. More defeats and failures are due to mental blindness than to moral deviations. If one lived only by physical sight, his world would be very small. It is said of a bug that its world is only as large as the size of the leaf on which it lives, and many times it does not live long enough to consume the whole leaf. With man, if he lived according to the senses, the largest sense he possessed would be that of sight. Thus our whole world would extend only as far as we could see.

If we believed in the testimony of our eyes, we would accept many conditions that are not true. For example, if you look down a railroad track, you will observe that at a certain distance the two tracks converge at one point. This is not true. Have you ever stood on the boardwalk and watched a ship slowly sink into the sea as it sailed away? That ship wasn't sinking; our eyes tell us falsely. When you are worried over some obstacle or problem, just remind yourself that it may be purely an illusion of the senses, that it may not be true at all, according to the Law.

Did you know that you don't even see with your eyes? Your eyes are like a pair of windows; at the back, of the window there is a reflector and this reflector, in turn, forms an image of what you see and sets up a wave current. This wave current follows along thin wires called nerves. This relays the image back to the brain. Here at the brain it is referred to the memory center. If the picture is a common one our memory accepts it readily, but if we are looking upon some new picture, some new scene, our memory does not recognize it, and then we must repeat the picture over and over many times until it makes a lasting impression. Therefore, we do not see with our eyes; we see with our mind.

Thought is a subtle element; although it is invisible to the physical sight, it is an actual force or substance, as real as electricity, light, heat, water or even stone. We are surrounded by a vast ocean of thought stuff through which our thoughts pass like currents of electricity, or tiny streaks of light or musical waves. You can flash your thoughts from pole to pole, completely around the world many times in less than a single second. Scientists tell us that thought is compared with the speed of light. They tell us our thoughts travel at the rate of 186,000 miles per second. Our thought travels 930,000 times faster than the sound of our voice. No other force or power in the universe yet known is as great or as quick. It is a proven fact, scientifically, that the mind is a battery of force, the greatest of any known element.

It is an unlimited force; your power to think is inexhaustible, yet there is not one in a thousand who may be fully aware of the possibilities of his thought power. We are mere babes in handling it. As we grow in understanding and in the right use of thought, we will learn to banish our ills, to establish good in every form we may desire. It is our power to think that determines our state of living. As one is able to think, he generates a power that travels far and near, and this power sets up a radiation which becomes individual as he determines it. Our thoughts affect our welfare, and often affect others we think of. The kind of thoughts we register on our memories or habitually think attracts the same kind of conditions.

If we take the thought of success and keep it in mind, the thought elements will be attracted, for "like attracts like." We are mentally drawn to the universal thought currents of success, and these thought currents of success are existent all around us. We will psychically contact minds who think along the same lines, and later such minds will be brought into our lives. Therefore, successful minded people help success to come to them. That is how successful living is founded.

The Law of mind is in perpetual operation, and it works both ways. Persons who dwell on thoughts of failure or poverty will gravitate toward like conditions; they, in turn, will draw to them people who accept failure and poverty. On the other hand, we can think on positive conditions, on success and plenty, and in the same manner, enjoy full and plenty. What the mind holds within takes its form in the outer world.

Some think that we must deal with two forces; that is, to attract the good we must do away with the bad, but this is not true. For example; if we are cold, we do not work with cold and heat alike in order to get warm. We build a fire, and as we gather around that fire we enjoy the heat that is extended from it and become warm. As we build up warmth, the cold disappears, for cold is the absence of heat. To be warm, we give our whole thought to those things which tend to create warmth; we ignore the cold in thinking of heat and bring forth heat. Prosperity and poverty are not two things; they are merely two sides of one and the same thing. They are but one power, rightly or wrongly used. We cannot think of plenty and then worry about the unfavorable conditions that may seem apparent. We think about plenty, and as we think of it, lack, its opposite, will become absorbed or disappear. All our thoughts must be directed to that one thing which we desire in order that our desire may be fulfilled. Our method is not manipulating two powers, not dealing with good and evil, right and wrong, prosperity and poverty, but as we follow the Law of Good and dwell upon that which is good we shall bring to pass all good things.

The mind force is creating continually like fertile soil. Nature does not differentiate between the seed of a weed and that of a flower. She produces and causes both seeds to grow. The same energy is used for both, and so it is with the mind. The mind creates either good or bad. Your ideas determine which is to be created.

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a quiter never wins and a winner never quits

Some people foolishly believe that only money can make money. This not true! DESIRE IS THE ANSWER.

Desire is the agency through which money is made, MONEY , of itself, is nothing inert matter. It cannot move, think, or talk but it can HEAR when one who desires it calls it to come.

So if you are out of money don't quit, DESIRE it

The Ten Perfections

Path to Oriental Wisdom

First is Giving:
As a jar overturned, pours out the liquid and keeps back nothing, even so shall your charity be without reserve.

Second is Renunciation:
As a cow, when the hair of her tail becomes entangled in anything, would rather suffer death than injure her tail, even so you should keep to your principles as a cow to her tail.

Third is Duty:
As a man in prison, suffering pain for long, knows that there is no pleasure for him but only to wait for release, so shall you look at your existence on earth, as prison, and turn your face towards duty.

Fourth is Insight:
As a begger-monk shuns no families from whom he begs, whether lowly or high or in between, and acquires his daily fare, so shall you at all times question the wise to gain insight.

Fifth is Courage:
As the lion, king of beasts, whether when lying down or standing up, lacks no courage, but is ever light hearted, so shall you always hold true to your courage.

Sixth is Patience:
As the earth bears all that cast upon it, both the pure and the impure, and feels no resentment nor rejoicing, so shall you receive favors and rebuffs alike, with indifference.

Seventh is Truth:
As a star of healing is balanced in the heavens and swerves not form its path in its time and its season, so shall you remain fixed in your path of truth.

Eighth is Resolution:
As the stone mountain, firmly based, quails not before the tempest but abides in its place, so shall you abide in your resolution once resolved.

Ninth is Loving Kindness:
As water quenches the thirst of the good and bad alike and cleanses them of dust and impurity, so shall you treat your friends and your foes alike, with loving kindness.

Tenth is Serenity: As indeed the earth looks with serenity on all the purity and impurity cast upon it, even so shall you approach with serenity both joy and sorrow, as if you are to attain wisdom.

the Secret of Life?

There is no one size fits all answer to the question what is the secret of life?, but there are some road signs and maps available to help you get where you are going in life. These secrets and more will all be exposed on this website for your viewing pleasure.

How Do I Know the Secret of Life?

Let me get this out in the open right away. I am not a prophet, a psychic, or a fortune teller. I'm a normal Juan just like anyone you know. The only difference is that one day I had an epiphany about life and decided to talk about it.

The epiphany was this: we all know what we need to or know to seek out someone who can tell us what to do, but none of us actually do either. We sit in our meanless lives worried about one thing or another, purposely blocking the truth from our mind to escape the idea that we have to change in order to get what we want.

Exactly What is the Secret of Life?

If you are into philosophy, you like might like Stephen R. Covey's answer. He says "Life is to Live, Love, Learn, and Leave a Legacy". I think he's got a great answer, but it's layered and possibly too much for our TV-gooshed brains to handle. So let me tell you my answer. I say life is coming to terms with yourself and understanding that we are all part of a bigger picture.

Fundamentally, we all want to be happy (live), we all crave affection and attention (love), we all have a picture in our minds of the ideal life (learn), and some of us want to provide a better life for posterity (legacy). These ideals are part of our making as human beings, they aren't goals - so stop trying to reach them and don't kill yourself with dozens of plans on how you're going to accomplish them all by the time you're 60. You'll end up becoming a Type-A Personality and be in a worse situation then you are today.

Why is it that the suicide rate is higher in high income families than in lower income families? Why do superstars become obsessed with cosmetic surgery and develop a fear of germs? It's not the money that's the problem, it's the fact that these people didn't have a clear vision of what they wanted, so when they became wealthy they didn't know what to do with themselves. Knowing what you want out of life is everything.

Go Negative, Not Dirty - POLITICS

In a more perfect world, politics would be not only fair but even positive. Our politicians would all be stellar candidates, with spotless records and inspiring stories who would present themselves to an educated, open-minded public.

Responsible citizens—all of us—would then flock to the voting booth to make a prudential judgment between the greater of two or more goods, deciding which of the candidates is most suited, right now, for the particular job at hand.