Why You Need Life Insurance

MAKE PLANS FOR THEM

 
 Deciding whether you need life insurance can sometimes be a complicated process. this decision can even be harder when you consider yourself still very young. But it all boils down to making a well-informed decision. why then should you invest in life insurance?

1. Providing For Your Dependent If You Die.
No one wakes up and wish you to die. But life is full of so many uncertainties. you may want your dependents- children to attend college and your family to enjoy certain benefits and lifestyle when you are no longer in the picture. They may not be able to afford such benefits and life-style when you are no longer with them. planning is everything. your savings alone may not be able to cover their expenses, you can very address this concerns by buying enough life insurance.

2.You Have an Option
You have the option of buying a term life insurance policy, which could cover you for certain period of years ranging from 10 - 30 years. These policies pay a benefit only during the term period covered by the insurance. These can be a good option, if you want a coverage just till your children educational pursuits are over. They are other options of buying a whole life policy, popularly known as permanent life insurance.

3. Insurance Can Also Be  a Good Investment.
Many young Professional are looking for other source of investment for savings. The life insurance policy can provide a good addition to their investment portfolio as it allows investment in stocks, mutual funds and bonds. With these investments, your cash value can quickly increase of time.

4.You Can Sell Your Policy.
If you Suddenly become terminally ill and are in need of cash to cover medical and other related expenses, you may have the option to sell your policy at a discounted price.

5. You Can Accumulate Cash.
With Insurance, you have the possibility of allocating a portion of your premiums to a cash accumulation vehicle. This accumulated amount can serve as a cash reserve to pay insurance premiums if your disposable income is no longer sufficient to pay those premiums.

6. Financial Requirements.
The amount of insurance you need depends on what you want it to cover. take into consideration your current earning capacity, and how many years your family will replace that income if you should die prematurely versus how much you have already saved.

It will also interest you to know that life insurance is not for everyone. But you should not dismiss it without doing your research. Especially if you have loved ones who depend on you financially, it is very likely that you might be needing it. Your financial advisor can help you decide what type of policy is best for you.

The Power of Vision'

CBN.com – The Hon. Cynthia A. Pratt, Deputy Prime Minister and Minister of National Security, says, “Whenever I talk about the Bahamas and its beauty, I could never stop talking about my God, who has given us all of this beauty.” The Bahamas is the No. 1 tourist destination in the world but few realize that this chain of islands is also a Christian nation that honors God in its ideals and its constitution. At the spiritual heart of the Bahamas is the international ministry of Myles Munroe, a best-selling author, speaker, and president of Bahamas Faith Ministries International. CBN sat down with him recently to talk about his book The Principles and Power of Vision. “I think that the greatest gift God ever gave man is not the gift of sight but the gift of vision,” Dr. Munroe says. “Sight is a function of the eyes, but vision is a function of the heart. When a person doesn’t have a vision, they live by their eyes. That means we live by what we see. That’s one of the reasons why people are so depressed, and that’s why the future never becomes a reality. “Vision is a source of hope; it’s the source of courage; it’s the source of perseverance in the midst of difficulty.” This book is his life's work -- a 40-year journey that has taught Dr. Munroe some of the most important principles of life. “The most important thing that I ever discovered was the power of a seed,” he says. “I believe that in every seed there’s a forest. If you have an apple seed, in that apple seed is an apple tree. There’s also apples on that apple tree. So in that one seed you really have a forest. “How do you get a forest out of a seed is the question you ask. ‘How do I get my vision out of my life?’ The first thing you need to do is to deal with the environment. You take the seed, and you put it in the right environment. “No matter how old a person is -- they may feel 60, 70, 80 years old. The good news today is if you can get back in the right environment, your dream can still come to pass. It’s not what you’re carrying that’s important. It’s the environment it’s in. I believe that’s why the Bible says, ‘In the presence of the Lord there’s fullness of joy.’ “What you believe in creates your environment in your life and in your heart. It also creates how you see things. Vision really is God exposing the true environment of your life to you in the midst of your present environment. In other words, you see your real self. “You cannot guide a ship that’s parked. So you find in the book of Proverbs, chapter 16, a very interesting statement made by God. It says, ‘The heart of man makes his plans, and the Lord directs the steps of the plan.’ We’re basically saying, ‘I’m waiting on God.’ God would say, ‘I’m really waiting on you. Why don’t you tell Me what you want to do with your life? Show Me what’s in your heart.’ “People think that their dream is outside of them. So they go looking for prophets – wanting somebody to prophesy to them, going to some crusade, some meeting, some religious leader. You’ll never find it that way. God hid your future in a place where He knew you couldn’t miss it. He hid it within you. “So what do you desire to do? What do you really want to do as a person? You need to stop and document that; write it down; make a plan; and then God says, ‘I’ll direct your steps.’ “If what you saw in your vision is not what you see now, then what you see is always temporary. So you enjoy what you’re doing now with all your heart because it’s preparation for the next phase. “The Power of Vision was written to help everyone be able to: first, believe that they carry a vision; second, that it can come to pass; and three, to give them the tools and the principles by which they can bring it to pass. Then finally the book deals with practical things that you can start with right now. ‘Cause some people say, ‘I’ve got a big dream, but where do I start? I’m broke, I have no resources, no people, no contacts.’ I say, ‘Look, you’ve got the greatest asset in the world to begin with. You’ve got your own mind and your own self. You are your best raw material.’ “When you connect that self to Him then you connect yourself to unlimited resources. When you believe in your dream and your vision, then it begins to attract its own resources. No one was born to be a failure.” culled from cbnorg

Discover Your Talent

“You are at this moment standing right in the middle of your own acres of diamond.” ~ Earl Nightingale

Self-discovery is the beginning of a purposeful life. There is no limit to what you can become or achieve only if you discover your talent. The discovery of self qualifies you for a life of greatness! The earth is full of God's goodness, but the question is, are you a partaker of that goodness? All men are born equal, but with different abilities. Each one of us has a unique talent that makes us stand out from the crowd. Our talent gives us the ability to do ordinary things in an extra-ordinary way, and common things in an uncommon way. Talent makes us to see things from a new perspective and do certain things differently from the way others are doing it. We don't all have to be lawyers, doctors or engineers. My answer to the reason why we have lying lawyers, quack doctors and fake engineers is because there are many whose life's purpose, talent and passion does not align in that direction. Only a few people understand why they study a particular course in school or pursue a certain career path. Unfortunately, those who do not understand why usually end up becoming frustrated and unfulfilled professional in that field.

7 THINGS YOU CAN DO TO MAKE HIS/HER VALENTINE SO SPECIAL

1.Take a book that your partner is reading and using a pencil, underline letters in a section of the book she has yet to read to spell out a love letter. For example in the following exert from a novel, the underlined letters come together to spell out the secret message "I love you 2.Get a piece of paper and some crayons. Draw a bright childlike picture with a smiley sun and two stick figures holding hands. Add labels with your two names pointing to the stick figures. Write "I Love You" inside a heart. Next get a large formal envelope. Place your drawing inside and type up a formal address label of your partner's work such as: For the immediate and urgent attention of: 3.Leave a long stem rose where your partner will find it with a note on it saying: "Thank you for coming into my life." 4.Buy a small decorated cardboard box, a sheet of colored tissue paper, some massage oil and a blank card. Line the box with the tissue paper. Place the massage oil in the box and write the following message on the card: I know a great Masseur. For an appointment ring: (Your Phone Number) 5.Go for a walk on the beach. Trace out the shape of a large love heart in the sand. Sit inside the heart and cuddle your partner as you watch the sun go down. 6.Organize a professional photo shoot to obtain a portrait of the two of you as a couple. Frame the picture and put it somewhere prominent. Remember to make sure you give your partner plenty of notice so that she can get ready. 7.Create a love montage by collecting some photographs of you and your partner, some ticket stubs of places you have visited and any other small odds and ends that have special meaning to you both. Take these items and get them professionally framed in a three dimensional montage. Alternatively, buy a frame and create a simple montage yourself. ABOVE ALL JUST MAKE SURE YOU HAVE GREAT FUN, IT’S VAL. SHOW LOVE, NOT ONLY TO A LOVE ONE, BUT TO THE WORLD.

INVEST IN YOURSELF

Many creative people, inventors, entrepreneurs, and business leaders fall into this category. But let see how you can make money as an entrepreneur. An entrepreneur is someone who always has good ideas. The first obstacle we need to overcome if we want to succeed in the second group is to stop working for money. What does this mean? Isn’t making money part and parcel of having good financial IQ? What I mean by ‘stop working for money’ is not working for free. Rather, it means work so as to gain the necessary skills you need to be a successful entrepreneur (or inventor, investor). Allow me to illustrate: If you lack the contacts for running a business, where would the best place be to look for contacts? Of course, your competitor’s customers. How about product knowledge? Then work with a company that will teach you all the ins and outs of the tricks of the trade. Not familiar with the production line of a factory? Work in one! Learn the ropes or manage the factory workers. Fear of talking to people? Get a sales job where you will be forced to talk to lots of people. It is also a great way to develop perseverance! Don’t you know that the best education you can get is in real life! Not at a lecture hall. The bottom-line is: not everybody has what it takes to succeed as an entrepreneur! It is not that easy. Many lack the perseverance, the creative mindset, the financial capabilities or the necessary people to get the job done and usually give up too early before any results can be seen! The fastest way to get those skills to succeed is to learn them hands on and you even get paid in the process! Don’t get absorbed with how much you are paid. Would you trade time for short-term money? (Money stops coming in when you stop) Or trade time and money for a long -term asset that generates you income? (Even long after you have stopped) God created us with a brain. All we need to do is look around us and observe problems to overcome because every problem is an opportunity in disguise. It is all up to you. You may or may not see the results in the short term, but by using our brains and the resources around us, we can create true value that others are willing to pay for what we have to offer. Let me summarize the 3 Ways of Making Money • Trading Time For Money - employees, self-employed • Manifesting & Using Creative Ideas - inventors, artists, programmers • Leveraging on resources and other people - business people, leaders If you are a professional, have you ever explored writing an e-book about your field of expertise? If well written, it could provide a new income stream, instead of you selling out your time serving your clients. How about a computer programmer? You can come out with your own revolutionary product instead of selling your ideas to the company you work for. How about real estate, instead of selling houses, you can pool financial sources to buy houses cheap, increase their value and sell them off at a higher price. It just takes a little time and research to find good ideas. Is money a problem? Seek out loans if you can take the risk. Pool money from many investors or seek a grant. The sky is the limit when it comes to making money. Again, which way do you want to achieve wealth? Answer: it's totally up to you SIMPLY....... Invest in Yourself The most important and No.1 rule is “Invest in Yourself” – if you don’t, who else will? Your parents will only invest in your education only until you leave college. But that is just the basic necessities provided and does not teach you important lessons about financial education. Would you depend on colleges or universities to teach you how to make money? Most colleges only teach you skills so you can earn money working for other people. How about business school? Honestly, if business lecturers are such experts at business, why are they still lecturing there instead of making a fortune in business ventures? Would your boss teach you how to succeed in business so that one day, you will be in his position? You and only you have to be proactive enough to take that responsibility You see, when you invest in yourself, it means taking on the importance of educating yourself. Education not in the academic or technical sense, though they are necessary skills to be developed in life. Our education doesn’t stop at college. For most working adults, their education enters retardation stage after they leave college. They stop learning and therefore they stop growing. They only grow sideways from eating too much pizzas or take-out during their busy lunch breaks. We know that IQ is important right? But why aren’t the most intelligent people in the world the richest people in the world? There are many accountants and financial planners rushing to their cars every evening trying to beat the after work traffic congestions! They are not rich! Think with your brain, imagine with your mind and form with your hands. #SpeakSense @kenimu

Discover The Wealth In Your Mind

You don’t need to indulge in long fasting, attend endless vigils or be taken to the river to have your head washed. You just need to discover the power inherent in you to make your life successful. Prosperity don’t start with the acquisition of Naira notes, Dollar bills, Pound Sterling and Euro, prosperity starts from your thinking. As a man thinks in his heart, so he actively becomes. Your thoughts determine your life and your financial height. You've been given the power to prosper, it is solely your responsibility to discover it and you choice to prosper. One of the basic ingredients for creating wealth is your thought, how you use your mind determines the difference between you and others succeeding in other part of the world. The principles of success are a universal one that works irrespective of geographical location, tribe, religion and colour. •Your Belief: it’s the core of every result you'll get in your life. •Your Words: whatever kind of words thou speakest, the like shalt thou hear. Speak positive words always, my future is bright, i am blessed, I’ve a millionaire mind, and whatsoever i do shall prosper. Your words strengthen your belief, which in turns determines the result you get in your life. •Vision: The pictures you see produces the future you partake in, Learn to use the power of visualization. What you see is how you feel, and how you feel determines what you get. •Set Goals: men becomes like goats when they don’t set goals. Have a plan for your wealth journey, the number one reason why many still remains poor is that they fail to set goals on how to get to their destination. Break down your plans, and put them into little stages you can achieve daily. You can create magic in your life today. Get informed; it’s your chance, your choice and solely your responsibility. GET

Why You Are Not Getting The Ring

This year is almost done, and you're still hanging on to that relationship that isn’t going anywhere. You've attended 8 weddings this year and all your friends who are about your age seems to be happily married and have settled down. I can imagine the feeling, and the increasing pressure from parents. But what can you do? No... its not your fault that HE didn’t propose, its not your fault that another year is coming to an end, and you'll still end up without a ring. But wait... have you ask yourself, what is the aim of this relationship? If you cant define your relationship, your heart and expectations would always be defied by men. HOW TO GET THE RING Build On You Character Character is the live wire of any relationship. I would prefer to marry a woman with an outstanding character even if she’s not too religious over a woman who’s very religious and has a very bad character (from a male perspective). If you lack character, your relationship is bound to fail. You've to develop the right character, God cannot do that for you, if you don’t do that yourself. Appearance Matters Men care much about appearance, and truthfully, nobody needs psychology to tell them that. Alot of ladies make mistake when it comes to appearance, you can’t dress like ladies do in the 40’s and expect to get a ring from your man who work as an executive in a multinational corporation. Come on girl.. you've got to look great, learn to brand yourself. How you look determines how you're worth. Be truthful to yourself and change what needs to be change. Communicate Yourself Feeling It helps your partner know your expectations, and if his goals align with yours. Give Yourself Some Standard It helps your man respect and understands your core values and principles. This will make him want to keep you for life. Try It.... Be Bold Enough To Say GoodBye What is the essence of having a courtship that span for 8 years without any plans for marriage. Wise up girl, he is just making you miss having the real Mr Right come into your life. You must have the emotional maturity to say GOODBYE. Don’t hang on to a bus that’s going nowhere. Remember that having a relationship with yourself is the best ever know yourself. CHEERS...

You Can Start Again

You don’t have to always look into the past and start counting your loss. Where ever you are at the present has the capacity to launch you into your greatness. It is confidence in your ability that spurs you on to greatness, not you level of competence. How! You might ask. In 1914, a spontaneous combustion has broken out in Thomas Edison laboratory that destroyed everything in just minutes. Fire companies from eight surrounding towns were unable to put out the fire because of the intensity of the heat and low water pressure. At age 67 he watched all his assets going up in flames and destroyed. The damaged was estimated to be over two million dollars then. His son ran up to him and said “Dad everything is gone”. Seeing his son he shouted “where is your mother?” he said further “find her. Bring her here. She will never see anything like this as long as she lives further”. The next morning he got up, looked at the ruins and said “there is great value in disaster. All our mistakes are burned up. Thank God we can start anew”. Three weeks after the fire, Thomas Edison delivered the first phonograph. What an attitude! Don’t always expect life to be a bed of roses, you will sometimes experience pain. But each pain comes with a purpose of taking you to the next level. Find purpose in your pain; look at the bright side of life. Never give up, believe in yourself, your idea. Hope for the best and it will surely come. Don’t be scared to fall, but be scared of not wanting to rise up, all men fall but only great men rise again. It is attitude like this that made great men turn misfortune into great fortune. You don’t put your back to the ground, because you fall to the ground. Get up and start again, because you have life, and it gives you the opportunity to start again. If you feel your experience can be likening to that of Thomas Edison, I will like to hear from you. kennethimu@gmail.com till I come your way again. Remain on top.

Power Of Thoughts

Thought power is the key to creating your reality. Everything you perceive in the physical world has its origin in the invisible, inner world of your thoughts and beliefs. To become the master of your destiny, you must learn to control the nature of your dominant, habitual thoughts. By doing so, you will be able to attract into your life that which you intend to have and experience as you come to know the Truth that your thoughts create your reality. For Every Outside Effect There is an Inner Cause: Every effect you see in your outside or physical world has a specific cause which has its origin in your inner or mental world. This is the essence of thought power. Put another way, the conditions and circumstances of your life are as a result of your collective thoughts and beliefs. James Allen said it best when he said "circumstances do not make a man, they reveal him". Every aspect of your life, from the state of your finances to the state of your health and your relationships, is accurately revealing your thoughts and your beliefs. It's an Inside Job: Most people have it back to front, believing that they feel or think a certain way because of their circumstances, not knowing the truth that it is their thought power that is creating those very circumstances, whether wanted or unwanted. By internalizing and applying this Truth, that your thoughts create your reality, you will grant yourself the power to create the changes you want to see manifest in your life. Reality creation is an inside job. Your Thought Power is Limitless: There is a single, intelligent Consciousness that pervades the entire Universe, which is all powerful, all knowing, all creative and present everywhere at the same time - the Universal Mind. Your mind is part of this One Universal Mind and since your thoughts are a product of your mind, it follows that your thought power too is limitless. Once you truly understand that your mind is one with the Single Source of All Power and that this power is within you, you will have found the only true source of infinite power for which nothing is impossible and impossible is nothing. Know that thought power comes from within. Accessing the source of All Power starts by looking inwards. look inside to discover your uniqueness. Speak Sense

PAIN TO GAIN

Things won’t happen in your life just because you want it to. You don’t wake up one morning and say God this what I want’’ then you go back and tuck yourself back in your blanket. You have to make some effort. Too many people are afraid of taken step necessary to their advancement, without going through life’s common pain there is to beneficial gain. You need to be aware that there will always be obstacles to your progress in life. People may not celebrate your gift, or may not appreciate your talent, you don’t have to let all this frivolities distract you. Even sportsmen and athletes know that it takes a painful preparation to win a great game. A lot of people think they can just pray their difficulties away and have nothing else to do with trying to solve it , or many still expect themselves to be lucky. You don’t live life expecting to live through it by luck alone. Life is a challenge rise up and face it, life is a battle get up and fight it. Don’t expect to wake up one morning and expect all your problems to be gone. Life doesn’t work that way, you have to learn from them. Pain can be converted to purpose and in your purpose therein lies the gains. The price of success is pain (perseverance) before gain. Have you noticed that after the darkest hour of the night, comes the birth of a new dawn. I will like to make a toast to your success. Cheers!