Some Security

Need some security? It's hard to concentrate on setting goals and making a plan to go after them, if in the back of your mind the thoughts of security are constantly causing you to hesitate. In this section I'll touch briefly on the value on having appropriate insurance coverage for your home, business, health and life.

The fear of something happening that could be financially devastating has made insurance a multi Billion dollar industry. This fear keeps many people locked into jobs or careers that they can't stand just so they can be part of an employee health plan. The stress of dealing with this conflict causes depression, chronic illness's as well as higher rate of colds and flus. This results in employees taking more sick time off or ending up on long term disability. Some employers have seen the evidence of this and have tried to be proactive by implementing exercise programs, stress management counseling, and subsidizing Quit Smoking Products like Cigarrest. However those employers are few and far between and surprisingly there is always a percentage of employees who resist these incentives by claiming the employer is trying to control their lifestyles.

It's a fact that our body is a self healing machine. We take it for granted when we get a small cut or scrape that it will just heal. We forget that there are billions of cells floating around doing what they are programed to do. Those same cells work hard to fight off illness. When the body is well rested and looked after, it will stay healthy even around others who are ill. Add stress to the body or the mind and the immunity system doesn't function as efficiently and as a result you are more prone to illness. It's common sense really.

However most people will end up staying in a job they hate because it's a safe bet compared to the possibility of failing in some new opportunity or venture and ending up out of a company health plan or term life plan.

"The moment you let avoiding failure become your motivator,
you're down the path of inactivity." -Roberto Goizueta

If you live in Canada as I do or in the the UK, there is some security to having a universal health care system to at least take away the worry of having to buy full medical insurance. I will be the first to admit that our system is not perfect, there are things that are not covered, but the comforting thing is that if something happens, you are looked after, no if's and's or but's. Yes our takes are higher, but in this country, if you are paying taxes, that means you are making money, so overall it's not that bad.

However for our US friends it is definitely is a priority to have proper health coverage. Are you Looking for Affordable Health Insurance? Make sure you shop and compare, remember, when it comes to any insurance, there are many providers in the market, never feel pressured into any sort of policy. Take your time and you decide what's best for you. If you want to learn more factual information about health insurance and the industry behind it, check out the National Coalition on Health Care.

It's funny, but if it wasn't for the cost of insuring everything in case something happens, it would be a lot less expensive to live. However until you can get to a point where you are financially secure enough to self insure, then regardless of cost, it's a necessary evil.

The great thing is that you can lower your costs by changing or eliminating some of your less attractive habits. We can be our own worst enemy at times and as a result our actions cost us more. Are you a smoker? You can Stop Smoking in 7 Days with Cigarrest. Your first 30 days is free with no obligation (just pay s&h). That will not effect your insurance cost right away but if you quit, you can submit a request after the insurances waiting period to get your rates adjusted, the savings can be significant and you feel better.

Evaluate the amount of alcohol you consume, can you cut back in this area? How about some exercise and eating right? It is disturbing how many people world wide are becoming obese. It's a fact that the extra weight can lead to diabetes, heart attack, stroke, and plenty of other ailments. It's uncomfortable being overweight and hard to find proper fitting clothes and let's not forget the impact to one's self esteem.

You don't have to be a body builder or a model. You should however love who you are and realize that no one has a perfect body and concentrate instead on improving your health and enjoying your life. What's wrong with just shedding some weight? Dieting is Easier When You Love the Food. Get Delicious meals shipped to your door. It's a proven strategy that works! It saves impulse buying at the supermarket or hitting a fast food place on the way home because you don't feel like making supper. Once you start losing the weight your metabolism goes up and you naturally have more energy. Try not to watch as much television so you don't get bombarded by food commercials aimed at people sitting around watching tv. Cut out late night snacking and spend your down time doing something constructive like spending time with your family or working on a home business.

Remember the Think = Feel = Act formula. Start thinking about improving your health and what the rewards will be for you, this will make you feel good about changing your habits and because it is easy to do something that feels good then you will have success. If you go about it in an negative way, thinking that you are changing to conform to society, then you will not follow through. Don't shift the blame from yourself it is completely unproductive.

"What we do during our working hours
determines what we have;
what we do in our leisure hours
determines what we are." -George Eastman.

Start driving more responsibly. Again, it may take some time to clear off a record of tickets or accidents, but if you don't start changing the way you drive then don't complain about the cost of your insurance. I can tell you right now, aside from wasting a lot of gas, speeding is not getting you anywhere fast. Usually just to the next red light. Studies show that in reality you are only saving a matter of mere minutes. It's just not worth the risk. I have heard every excuse in the book over 11 years of traffic enforcement, none of them were good enough to justify the possibility of getting into an accident or getting out of a ticket.

How about for your home? You can reduce your costs with better locks, smoke detectors and an alarm system. Every year you are claim free builds your discount as well.

If you are single, you may not be concerned with Life Insurance. However if you have a spouse and dependents then it is neglectful to not have at least enough to cover your mortgage and a few years of no one having to work. An untimely death can be very traumatic to family, don't make it worse by not having enough coverage. A note of caution, if you are insured for a large amount of money, make sure that you and your loved ones adopt a 'prosperity consciousness' for dealing with money, this is important because statistics show that 1 in 3 people who receive a large settlement or win a lottery, are broke within 5 years. If you can't wisely control money when you have a little, you will not use it wisely when you have a lot.

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