4 Pillars of Protection – Products To Consider In Your 4 Pillars of Protection Insurance Portfolio

With a wide range of insurance products available today it is important to understand the differences and benefits to you and your specific situation. A basic portfolio for any person but more specifically for a self-employed person should encompass the 4 following aspects.

Disability

By far one of the most important products for anyone, specifically self-employed people is disability insurance. We all work to handle our weekly and monthly expenses in addition to providing the “little extras” if we have anything left over. Employees of a company for the most part will have benefits provided to them however, being self-employed our livelihood depends on our ability to go to work and earn an income. In the event your ability to work is suddenly removed, disability insurance could be the key to your survival. Your income is the fuel for everything. Remove that and over time all else will fall apart.

Life Insurance

Life insurance has so many uses that it could essentially apply to everyone. However, the general consensus of life insurance is that it is suitable only for people with a family. This couldn’t be further from the truth. Life insurance can be used to protect a debt over a period of time, provide for your survivors after final expenses, or give to a charity upon your death. For people who would like the idea of having a benefit as well as a savings or investment vehicle, life insurance could also be an option for you. Life insurance must be carefully evaluated to ensure that it is structured properly based on your specific situation.

Critical Illness

In my experience I have seen this product misunderstood the most. The important thing to understand about CI is that it will pay a lump sum benefit in the event you’re diagnosed with a “specific” covered illness. Most CI products will protect against heart attack, cancer, and stroke however, each policy will differ between companies for other covered illnesses beyond these. Do not make the mistake like most do in thinking that this operates like disability insurance. Yes, they are both living benefits but they provide protection in varying ways.

Investments

Within financial circles it is encouraged to have a minimum of 6 months of disposable “liquid” income saved. For most people this is a tremendous feat and some people often throw their hands up in the air and forfeit the idea that they too can have investments. Life insurance can be designed in such a way that not only do you have protection but also an accumulating asset. Outside of life insurance there are many ways to protect and grow your money. The concern for most people is having a large sum of money lying around to be able to invest. If you don’t have a large capital to start with always remember that it is better to start somewhere, even small if needed than to not start at all.

As an independent insurance advisor and income protection specialist for almost a decade, Ryan has been providing clients with customized personal insurance and financial solutions through disability, life, critical illness, long-term care, and other personal insurance products while providing strategies for hedging income and preserving wealth.

http://www.ryandforrester.com

Article Source: http://EzineArticles.com/expert/Ryan_D._Forrester/2093018

 

How To Develop Interpersonal Communication

This particular concept of communication gradually got narrowed down to various categories of which the very common are mass communication, intrapersonal communication and interpersonal communication. These categories became subjects of interest in fields of both communication and psychology and the one that the masses can identify themselves with, is interpersonal communication.

The concept of interpersonal communication is not as difficult as it sounds. It is as simple as having a conversation! Yes! That is what it is. When two people communicate with each other, we call it ‘interpersonal communication’. You call it a conversation, psychology calls it interpersonal communication. That is because psychology views it as not just a conversation, but your way of exchanging ideas, your body language, your ability to maintain eye contact and your grip on the topic. It is not just words that get communicated! Your eyes, your body language and your way of speaking to the other person speak more than mere words.

Well, to simplify, if while talking, you are unable to maintain eye contact and show restlessness then there are chances that you are either lying or hiding something even if you don’t say it out!Words can be deceiving, you see! Technically, it’s a message sending and message receiving process but I would rather go for the simpler version.

The concept might be new but its roots can be traced back to prehistoric times. Even if we were devoid of a civilized society and a script, we did know to communicate!We chose to communicate through sounds and actions, couples had to express after all! Thus, interpersonal communication found itself divided into two. One is the verbal communication and the other is non-verbal. As the name suggests, verbal communication is communication through words injected with sense and grammar. This is where communication became easy. What I find interesting is non-verbal communication. Non-verbal communication came with choices. People used their own way to communicate. Some used the sign language, while some used symbols on paper.

There is another interesting side to interpersonal communication. People show more willingness to talk to a person who is well dressed and impressive. Certain people make their choices based on their background, life instances, character and the like. When you are comfortable with your partner or you share similarities, communication becomes easier and vice versa.

So, next time you step out and have a conversation with someone, you will know there is a lot more to those words that they speak. Happy conversing!

Article Source: http://EzineArticles.com/expert/Dipak_Majumder/2060069

 

Things to Remember When Buying Clutches

We all love our bags and want to combine the right handbag with our outfit and get that perfect look as we step out of our houses. As we decide what to use, there are certain things to keep in mind.

There is a good enough variety when it comes to handbags, from spacey tote bags to small clutches and everything in between is available and a huge array of materials are used from fabric to jute clutches. In this article we focus majorly on clutches and their making and how to choose the one that fits perfectly with your outfits.

So here is an article which is all you need to read if you want to know more about clutches:

As we all already know a clutch is generally a small purse devoid of any sort of straps or handles. It might come with a thin wrist band to make it easier to carry. It is generally carried in your hand or under your arm, tucked between your arm and sides. There is a huge variety of material and designs when it comes to clutches and designer clutch manufacturers are not stopping anywhere.

A clutch can look great in any outfit you wear from dresses to sarees and jeans; you just need to choose the right material and design of the clutch. Here is how you do that:

1. Be Wise

When you choose the type of material you have to be wise about it. It is not important to stick to any rule. If you think you can carry off a highly sequined clutch during the day then do it. Generally a sequined or metallic number is paired with the evening outfit and taken to-night outs and sorts whereas subtle, neutral colors and prints are used in the day. But as said earlier, there is no rule as such and if you think you can pull it off then just go for it. Jute clutches are extremely in and can be paired up with anything.

2. Mix It Up

It is not at all important for your clutch to match your shoes or your belt. In fact it is best to mix things up. If you want your outfit to have a pop, then go for mismatched clutches. Designer clutch manufacturers are providing you with a huge amount of options. Go crazy with them. Use a hot pink number with neutral colored heels and add the pop. Use a gold clutch with silver heels but do not overdo it. Make sure its eye-catching but not blinding or over powering.

3. Clutch It On A Budget

If you are someone on a budget but need to look trendy, first indulge in some neutral colors fit for the evening like black, metallic or champagne. As clutches are hardly used they last long, but if you are a regular social events visitor or a party person, you might want to splurge a bit and get a good sturdy piece with latest shapes and motifs.

If you are a buying your first clutch then but neutral shades and patterns that work in the day before you buy evening clutches.

The perfect clutch will bring out your outfit and hold the exact amount of things needed. It does not look clunky or inappropriate in almost any occasion. When you set out to buy one, having knowledge of your wardrobe will make it really easy on you. It will be really sad if you end up buying the same design or material. Your choice of clutch will showcase your fashion sense to the world, so choose wisely.

Buy you designer clutches from the huge variety at VogueCrafts.com

Article Source: http://EzineArticles.com/expert/Anika_Pathak/2263776

 

3 Pertinent Ways to Shift Your Limiting Money Beliefs

Beliefs. They are the underlying operating system for how we make our decisions and therefore what we decide to do and not do. They live in our subconscious mind, which does not have the ability to accept nor reject information. Meaning, any time we have an emotional reaction to something, the belief around it is automatically accepted into our subconscious mind unless we are using our conscious mind (which can accept or reject information), to vet what goes in there. Most people don’t realize they can do this, and what happens if they don’t! So if deep down we don’t feel worthy of success, we will see life and make designs form this lens. We must first get clear on what is in there, and then reprogram it with new empowered beliefs if what’s in there isn’t so great.

My motto is that we need to be of service first and foremost always in our businesses. When we can accept and trust the universe always has our backs, and is going to show-us more and more people and opportunities to serve, we can relax, have fun and be of complete service. We’re not worrying about money in this place or where the next client is going to come from. The money is secondary.

However, if we aren’t open to receiving money, we will create all kinds of problems for ourselves. For example, when I first started looking at my own money beliefs, I realized deep down I believed rich people were in some way arrogant and selfish. I was sabotaging the success I said I wanted because I had a value conflict – I didn’t want to be that type of person.

Here are 3 things you can do now to become aware of your beliefs around money and start shifting them too.

1. What do you believe about money and success? What were you taught by society, your culture and influential people in your life while growing-up?

2. What would you like to believe instead? What is the new empowered belief you would like to have in place for the old? Repeat this over and over and OVER!!!! You will start to reprogram your subconscious mind by creating new experiences that support this new empowered belief i.e. things will start happening in your external world that support this new belief! YAY!

3. Find role models who are at the level you want to be at, who also share the same values as you. This will help you reframe how you are seeing successful people. As Tony Robbins said, money just magnifies who you are already. If you’re an a-hole, it will make you a bigger a-hole. If you’re kind and loving, you will spread more love and kindness. I totally agree.

Have fun exploring, and get ready for financial abundance!

PS If you are doing really well in your business, but still always seem to just have enough to get by with your current expenses and lifestyle, there is more digging and shifting to be done.

Article Source: http://EzineArticles.com/expert/Chris_Atley/249884

 

Tell Your Stories

The only one thing more important than knowing who we are: Being aware of where we came from. I realized that recently, when I was giving messages from spirit as part of the holiday service at our Spiritualist church. As I said a quick, silent prayer for guidance, I felt the presence of a grandmotherly energy who wanted to speak. I described her: a short, stout woman with an Eastern European background, with rosy cheeks and a dimple on her chin. She showed me a picture of herself peeling potatoes in her kitchen and sitting beside a kettle. But what made her so memorable in the kitchen was she loved to laugh and tell stories. When I asked if anyone in the congregation recognized this grandma, I saw a young woman in the first row blinking back tears.

That might be my grandmother, Mischka,” the woman said.

Mischka asked me to wish her granddaughter a Merry Christmas. Then, her message was simple and elegant. “She’s saying, ‘Remember your stories. She wants you to have a good time with your family, and don’t sit in the corner by yourself. People like to be with you, and they like to hear your stories. Remember that your family is filled with stories.”

Afterward, the woman told me the message had been very meaningful. I thanked her for her comments and wished her well – and ten minutes later forgot what it was exactly that I had said when I was bringing through her grandmother. That usually happens when I let spirit talk through me. I’m the messenger, not the message sender.

However, occasionally my memory gets a jog. The day after giving that message, I began reading Kitchen Table Wisdom by Rachel Naomi Remen, M.D. Dr. Remen uses a mind/body approach to health and healing when she treats people with life-threatening illnesses, and her book is an enlightening and very moving collection of stories from her life as a doctor.

Dr. Remen says she became a better doctor when she began listening to her patients’ stories. They talked of their love and devotion, and finding strength within themselves to cope with their debilitating diseases. “They would make me proud to be a human being,” she writes, and adds how her patients’ words also give her the strength to manage her own illness, Crohn’s disease: “In time, the truth in them began to heal me.”

“Everybody is a story,” she notes. “When I was a child, people sat around kitchen tables and told their stories. We don’t do that so much anymore. Sitting around the table telling stories is not just a way of passing time. It’s the way the wisdom gets passed along – the stuff that helps us to live a life worth remembering. Despite the awesome powers of technology, many of us do not live very well. We may need to listen to each other’s stories again.”

As I reread that paragraph, I remembered how Mischka filled her kitchen not only with the warm scents of holiday baking, but with warm, comforting conversation of women sharing time and swapping stories. I thought of myself, my husband and my children – where we came from, what we’ve learned and where we’d like to go. And then I recalled a recent dinner I shared with my sisters’ families. Several months ago, my sister traveled to Halifax and found our grandparents’ immigration forms, detailing how they’d emigrated from Poland in the early 1900s. I was so moved to touch these old reproductions that were pieces of my history. My story.

And of course, that led to a round of, “Do you remember when grandma… ?” and “Do you remember Uncle So-and-so.” Tales of the long-lost cousin who was a jailbird (and may still be), the niece who used to – ahem! – entertain gentleman callers, and the elderly couple who were so much in love, they walked hand-in-hand even into their 80s… and on and on we went, remembering and loving every minute if it.

So, remember this as you spend time with your family, friends, co-workers and loved ones: Everyone has a story. Be sure to repeat them. And, most importantly, make sure your children hear them. Because one day, you’ll be part of the story they repeat to their children.

Article Source: http://EzineArticles.com/expert/Carolyn_Molnar/2218181

 

Massage in Bucharest

Recognize it! You’re busy! And so must be! That’s what life is like! But you want more than that, you want to do more for yourself and massage can help. Because massage makes more than a simple relaxation of the mind and body. It keeps your body in shape and gives you enough energy to make you enjoy a longer life better than you do it today.

Massage releases stress. At the moment, stress is a universal evil. Every time you are late, every time you avoid a car in traffic, every time you have trouble working, stress is doing his job. Each time adrenaline increases heart rate and cortisone levels and organs respond to the measure. You will be in a state of nerves and constant agitation.
When there is no release of stress, serious problems such as an upset stomach, hypertension, sleep disturbances, chest pain, or existing illness may worsen.

Some of the changes that may occur are: Anxiety, lack of concentration, depression, permanent fatigue, muscle or bone pain, sexual dysfunction, excessive sleep or insomnia

All these stress-related problems can be diminished and some can be totally eliminated by massage. The researchers concluded that a massage session can lower heart rate and blood pressure, relax your muscles and increase endorphin production. The massage also releases serotonin and dopamine and the result is a general relaxation, both physical and mental.
Our body care must be at the top of the priorities.
By adding the massage to your routine you will look much better and you will be much healthier and relaxed. Massage can improve your vitality and mood. Massage can prepare for a long and beautiful life.

Our masseuses personalize each massage session according to the needs of the individual.
Our massage parlors offer a variety of relaxation styles and techniques to help you. Apart from relaxing, massage can be a powerful ally in reducing pain, increasing energy levels, improving mental and physical performance

We recommend : HotAngels , VipZone , JadePalace , ThaiPassion

After a massage session, you will see how the mental prospects are enriched, the body allows easier handling, better pressure resistance, relaxation and mental alertness, calm and creative thinking.
When you have the impression or force yourself to stay straight, your body is not actually aligned properly. Not only does the posture look bad, but it forces some of the muscles to go muddy all day, while others become weaker. After a long time, the incorrect position may cause other drops. For example, internal organs press on what affects digestion, breathing ability is also diminished, which means that much less blood and oxygen reaches the brain and hence all sorts of other complications.

Massage allows you to return your body to the track. Allowing the body to make healthy and accurate movements is one of the greatest benefits of massage. Massage can relax and restore muscles injured by bad posture, allowing the body to position itself in a natural, painless position.
Apart from posture, there is also anxiety. One of the signs of anxiety and stress can also be heavy breathing. When the body begins to breathe too little and deeply instead of breathing at a natural rithm, it is impossible for one to relax. One reason may also be that the chest muscles and the abdomen get tightened and the air gets harder.

Massage plays an important role in learning the body how to relax and how to improve breathing. Respiratory problems such as allergies, sinuses, asthma or bronchitis are a group of conditions that can benefit from massage. In fact, massage can have a positive impact on respiratory function.

Many of the muscles in the front and back of the upper part of the body are breathing accessory. When these muscles are tight and shorten they can block normal breathing and interrupt effective breathing natural rithm. Massage techniques for stretching and relaxing these muscles improves breathing function and breathability. Massage leads to an opening of the chest as well as structural alignment and nerve dilatation that are required for optimal pulmonary function. A good way to treat respiratory problems with massage is the taping made in Swedish massage. When done on the back, along with vibrations, it can detach the mucus from the lungs and can clean the airways for better later function.

Massage not only relaxes muscles, but helps people become aware of daily stress levels. Once the body recognizes what really means relaxation, the mind can rest easily relax before the stress becomes cornice and harmful. This will help you enjoy a balanced life. Massage controls breathing, allows the mind to re-create relaxation before the occurrence of chronic and harmful stress and increases the level of energy.