231 Front Street, Lahaina, HI 96761 info@givingpress.com 808.123.4567

Excuses to Not Have Insurance

Have you ever wondered what goes through the minds of individuals who have a car but no car insurance? Do you ever let someone else drive your car? Have you ever wondered while driving if the person next to you has car Insurance? I think about it all the time. The truth is that there’s no real way to ever know who has insurance and who doesn’t have insurance until something drastic happens. I want to talk about some of the myths that I have heard either in person, on the radio driving or in court. Yes, I said court. You would be surprised of the responses someone gives a judge regarding not having car insurance.

One of the top excuses to not have car insurance is the mindset of not getting caught. If you have been in the car with someone without insurance you can normally tell by the way they’re driving. They are constantly looking in the mirrors, slowing down to avoid attention when they see a police car. As a car owner you should know that most states require drivers to have the states minimums for bodily injury and liability coverage to drive legally.

Another excuse is that their car is a piece of junk so no insurance is needed. Well, rather you think your car is junk or not they realize it or not the car gets you from one place to another. So, protecting your car is worth it. After all, working hard to purchase the car should give you the desire to preserve it? Just imagine your life without it. At the same time all vehicles require insurance no matter the condition.

You might hear someone say I have my own medical insurance and that should be enough to protect me if I get hurt. Personal insurance and car insurance are separate entities. If you think about it most people take out the bare amount of coverage on their jobs due to price. Do you realize when you’re in a car accident there are other cost involved? Will your work insurance pay for the ambulance expenses? These expenses can add up if there’s more than one car involved in the collision and it’s your fault. If you know you have the bare amount of coverage go ahead and get a quote for insurance that offers medical. That will give you one less thing to worry about.

I will never get sued is another saying people think is a reason to not have coverage for their cars. We live in a lawsuit happy society. People will sue you over the smallest of things and win because the either know the law or have a great lawyer. I learned from a popular movie that with the legal system that it’s not about what the crime is but rather what you can prove.

I got luck on my side. I can tell you right now that luck has nothing to do with someone wanting to steal, vandalized, …

Understanding Group and Personal Ethics – Nu Leadership Series

Men cease to interest us when we find their limitations. The sin is limitations. As soon as you once come up to a man’s limitations, it is all over with him.

Emerson

In today’s society, personal and group ethics shape the value formation in organizations. Ethics and organizational culture can impact the success of an organization in the following ways: (a) group cultures influence ethical behavior more than the sum of their individual ethics, (b) ethic reasoning is a logical sequence where policies come last, making policies the result of ethical reasoning, not a substitute for it, and (c) ethics and culture gaps can only be reduced by preventing their root causes at the beginning of the process. Ethics in organizations are influenced more by the group ethics system (culture) than by the sum of the individual personal ethics systems.

Ethic plays a critical role in leadership. Ethics is defined as the code of moral principles that governs the behavior of a person/group to what is right. People will not respect a leader low in integrity. A leader can’t trick them with promotions or bribe them with money. In the long run, character does count in an effective organization. Draft, an organization management expert, explains that leaders at the highest management levels develop internal moral standards that can often allow them to break laws if necessary.

A leader’s unethical conduct brings about his own demise and shame of his organization. Therefore, it can be shown that effective leaders must have accountability mechanisms in place so that they won’t hit any ethical mine fields. Can you imagine what happens in an organization without accountability?

Each individual brings their own personal beliefs into the workplace. Leaders are not the exception. An individuals family background, traditions, spiritual values, and experiences impact how the make moral decisions. At the medium development point, individuals learn to conform to the expectations of moral behavior defined by their peers and society. Most leaders at this junction are willing to following laws and society expectations.

However, the highest levels of value formation are individuals who develop their own internal set of standards. Therefore, these individuals develop their own ethical principles that become more important in their decision-making than any external expectations. This high arching principle allows them to make unethical decisions, such as break laws or compromise organizational values, because it allows them to sustain their moral principles internally. Obviously, values will continue to play a critical role in organizational development in the future.

References:

CNN (2005). Reid: White House owes an explanation. Received on October 31, 2005 from http://www.cnn.com/2005/POLITICS/10/30/leak.probe/index.html.

Ciulla, J.B. (1998). Ethics: The Heart of Leadership. Westport, CT: Praeger.

Draft, R. (1995). Organization Theory & Design. Congress gets low ratings on ethics, honesty.

Harris, J. (April 12, 2005). In recent scandals, a rethinking of capital’s conventional wisdom. Washington Post.

Heuser, B. (2005). The Ethics of Social Cohesion. Peabody Journal of Education. 80(4), pp.8-15.

Kern, C. (2003). Creating and Sustaining an Ethical Workplace Culture, Pepperdine University.

King, …

Teddy Bear Grief Healing

If you are wanting to understand and heal your grief, if you want to find new purpose and happiness in your life “Teddy Bear Doctoring” is not your best option. Healing from horrendous grief and loss requires much more than sticking a thermometer in a Teddy Bear and playing doctor.

When faced with dreadful grief “what to do” and “how to do it” are gigantic questions. As you mourn you feel torn apart; you have special needs. You feel helpless and indecisive and hope is fleeting. I am truly sorry for your sorrow and loss.

Reaching beyond Teddy Bear treatment for grief relief requires other more beneficial care. Important action-oriented tips will help you move beyond your grief and loss and find new peace and joy.

Seek Valuable Support

It is my sincere hope that you have available the very best support from others. As you begin to work through your sorrow you will find the need to seek and accept support. In addition, you must be compassionate, and true to yourself, to begin nurturing your healing journey.

Reconcile Your Grief and Heal

Reconciling your grief is necessary for the healing is in the reconciling of your loss and sorrow. Having the courage to care for your personal unique needs will help you discover the new you and begin a fullness in living a happy life.

Your Best Alpha Actions

Certainly, horrendous grief and sorrow bring volatility into one’s life. Unwanted and often unexpected grief and loss happenings highlight how volatile your personal life can be. In order to stop grieving and start healing, first order of personal preference should be your best alpha actions. To maximize your inner happiness, peace and empowerment to heal, your alpha must be your preferred actions.

Your alpha actions should lead you from sorrow and misery to happiness, peace and a fuller life. Decide what alpha actions should lead you from sorrow, misery and loss to happiness, calm and joy. Turning grief, loss and sorrow into healing moments – one transformation breakthrough at a time – should be your true alpha challenge.

Begin Today

“To get up each morning with the resolve to be happy is to set our own conditions to events each day. To do this is to condition circumstances instead of being conditioned by them.” ~Ralph Waldo Emerson

Some wait thinking if they hibernate that in the spring they will arise and be healed. Although it may be necessary for you to take a brief hiatus from your devastating sorrow and loss, simply waiting is not a useful option. You must be proactive in your efforts to find new happiness. Take time today to brainstorm all the things you think you can do to bring happiness and peace into your life. Take time to write down the four actions or steps you could take to move to a better place in your life. Decide which if those steps you will take here and now.

You Are Stronger Than You Think

“When …

Life Insurance Closing Techniques – Boost Your Closing Sales

Life Insurance Closing Techniques

If you were expecting another one line sales pitch to be written here, you definitely will not find it. Life insurance closing techniques have very little to do with sales pitches at all. The whole say this and all of a sudden you will get this kind of reaction from your prospect sounds like a crush sale to me.

If it ever came down to you giving a sales pitch, you are either trying to salvage the sale, or you are not in true communication with your client. Think about it, you are solely relying on some outdated script or pitch that was written who knows how long ago. Wouldn’t you rather know how to not perform a sales pitch and still close a deal?

I am one of those individuals that likes to know how things work. For example, if a doctor just ran some pitch on you, but he really didn’t know the science of his own work would you go with that doctor? I didn’t think so. The same concept goes with life insurance closing techniques, if you do not know the science of truly closing a deal, then why look for the quick way out.

This brings me to my very first point, you are in this business to sell yourself, not your products.

Life Insurance Closing Techniques – Always Sell Yourself

What exactly do I mean by “sell yourself”. A lot of individuals hear this but very few actually understand the science behind it. I am going to try and put it into the best perspective for you. Think of a time when you wanted to buy something, like a TV or Car. Do you remember the individual that you dealt with during the course of the sale? Maybe you do not remember his or her name, but you can definitely remember if they were knowledgeable, kind, informative, and helpful. Now, do you remember the guy you did not buy from?

What were the reasons you did not buy from that individual? Maybe he did not help out, he might have been rude or even ignored your questions or concerns about the product you were wanting to buy.

The reason why you did not buy from that individual, was because they did not sell themselves. Even though it was the same product, same price, same warranty, you still did not buy from that individual. Life insurance closing techniques are about getting to know your client.

They will not buy from a stranger, so you turn them into a friend. Friends have trust, and trust is what will get you the sale. The client must trust you with their money. If you are just out there doing some sales pitch about some product but have not really gotten to know who you are sitting across from, you are literally hiking up hill to close that deal.

Life Insurance Closing Techniques – The Sales Presentation

After you have gotten to know your client, …

5 Things to Consider While Selecting a Financial Planner

Unlike someone calling himself a CPA or a physician, just about anyone can call himself a “financial planner” or a “financial advisor” regardless of their educational background and professional experience. Moreover, not all of them are unbiased in their advice and not all of them always act in their clients’ best interests.

To ensure your financial planner is well-qualified in personal finances and impartial in his advice, consider the following five things:

1. Planning Credentials: Having a highly-regarded credential in financial planning, such as Certified Financial Planner (CFP) or Personal Financial Specialist (PFS), confirms that the professional you intend to work with has acquired the education and experience necessary to serve as a financial planner. CFP and PFS credentials are awarded to only those individuals who have met the certification requirements of education and experience in planning for personal finances. In addition, they have to pass the certification examinations and agree adhere to the practice standards and continuing education requirements.

2. Subject Matter Expertise: Financial planners are planning professionals, not necessarily subject matter experts. For example, a financial planner will be skilled in tax analysis and planning,but unlike a Certified Public Account (CPA) or an IRS Enrolled Agent (EA) he might not necessarily be a subject matter expert when it comes to tax rules Similarly,a he could be skilled in chalking out an investment plan, but unlike a Chartered Financial Analyst (CFA) he may not be an authority in the subject of investments. Work with a financial planner who is also a subject matter expert in those areas of personal finance that are important in achieving your financial goals.

3. Client Specialization: Not all financial planners serve all types of clients. Most specialize in serving only certain types of clients with specific profiles. For example, a personal planner may build his expertise and customize his services to serve only those individuals and families who are in certain professions, or a particular stage of life with specific financial goals and net worth. Ask whether the planner specializes in serving only certain types of clients with specific profiles to determine whether he is the right fit for your situation and financial goals.

4. Fee structure: The fee structure largely determines whose interests he serves best – his client’s or his own. A Fee-Only professional charges only fees for their advice whereas a Fee-Based professional not only charges fees but also earns commissions, referral fees and other financial incentives on the products and solutions they recommend for you. Consequently, the advice from a fee-only one is more likely to be unbiased and in your best interests than the advice from a fee-based financial planner. Work with a professional whose fee structure is conflict-free and aligned to benefit you.

5. Availability: He or she should be regularly available, attentive, and accessible to you. Ask the planner how many clients he currently serves and the maximum number of clients he is planning to serve in the future regularly. This clients-to-planner ratio is one of the …

5 Steps to Creating and Achieving Your Personal Development Plan

A personal development plan helps you to grow and achieve. So why do so few people take the time to create one? Two potential reasons are:

o Lack of know how

o Fear of limiting themselves

There are 5 key steps in creating a personal development plan

1. Do a personal stock-take of your strengths and development needs. As well as your own assessment get the input of others. They can often see talents that you are not aware of or are failing to fully utilise.

2. Think about what development will help you most in achieving your professional and personal goals.

3. Decide which methods of delivery will have greatest impact on your learning. We all have different ways of learning so find out what works best for you.

4. Set out a calendar of development events for the next 12 months. This makes it real and more likely to be achieved.

5. Put an accountability structure in place to ensure you follow through. Often the lack of accountability can result in you losing focus.

So what are the benefits of creating a personal development plan?

1. You give a clear message that you take your contribution to business success seriously

2. You can start to work on the areas that are less developed so that you become even more of an asset to your employer

3. If things are not progressing as you would like career wise you can demonstrate to a potential new employer what you can contribute with real impact

4. You take informed choices about the type of roles you pursue rather than leaving it to chance

5. You continue to grow, be motivated and stretch yourself to achieve what you desire

Take the first step towards to realising and exploiting your real professional and earning potential.…

3 Facts About Money From the Bible

Day in and day out, we are constantly thinking about money. We wake up almost every day to go to work to make money to pay bills and to maintain a comfortable standard of living. We think about retirement, and our ability to save for it. We consider whether making changes to our savings strategies, such as converting a traditional IRA to a Roth IRA, can make life better. Money, or the lack of it, can cause a lot of problems and stress.

However, if your finances are properly managed, your life can be more enjoyable, even if you are not making a big salary. Your finances need to be put in the proper perspective.

As a Christian, it is important to understand what the Bible says about money. There are over 2,000 verses in the Bible that talk about money. It is the second most talked-about topic in the Bible. (Love is the first.)

Today, we will look at three facts that will challenge you to further explore your perception of your finances. These concepts will help you move into a more peaceful frame of mind when it comes to thinking about money.

Everything belongs to God

Before we can even begin to discuss what you have and how you use it, we need to understand that everything we own really belongs to God. This is mentioned several times in the Bible – examples can be found in Deuteronomy 10:14, Psalm 24:1, and 1 Chronicles 29:11. While we may (or may not) have lots of material possessions right now, they are only temporary. You can’t take them with you when you leave this world.

We should avoid getting attached to the things of this world because we are only borrowing them. This didn’t hit home for me until my car was stolen. I had many personal belongings in the car that night and was devastated when I found them gone. But I honestly could not tell you most of the things that were in the car. In fact, my life has not been significantly changed by not having most of the things that are now gone. Once I understood that these things are only temporary, my mind was at ease.

The Lord is in control

In Isaiah 55:8-9, the Lord tells us that His plans are bigger than ours and that the plans He has for us are beyond our comprehension. We need to focus on allowing God to be in control of everything, including our money, so that He can work through us to improve not only our lives, but also the lives of those around us. This is confirmed in Romans 8:28.

The Lord will take care of you

If you seek God’s Kingdom first, He will provide for your every need. You can read about it in Psalm 34:10, Matthew 6:31-33, and Philippians 4:19. We need to use the skills and abilities that the Lord gives us (Exodus 36:1-2). It is the Lord who decides whether …

Health Insurance Quotes Without Giving Your Phone Number

Getting health insurance quotes without giving your phone number is easy and something you should do right now. Whenever you are online do you stop when asked for your phone number and best time to call? I do…I can’t stand to be interrupted at home…especially by a salesperson.

Asking for your phone number is an intrusion most people avoid. The bad news is they are unaware of market conditions in personal health insurance. Health insurance is an expensive, necessary evil but it should be something you should never overpay for. Asking for a phone number is a turnoff. But there is good news…

You can get up to a hundred health insurance quotes without giving your phone number. You are asked for the following and the following only, for each person you are trying to insure:

· Zip code

· Gender

· Date of Birth

· Smoker or not

· Student or not

That is it…no phone number…no medical questions.

My wife and I have used this free, no obligation service for 8 years. I hate to spend a penny on insurance of any kind. But I have the assurance that I am paying the very least amount for my policy.

I filled this out just the other day…it took less than a minute…I received 112 different policy quotes to choose from…the quotes had the monthly premium, company name, deductibles, co pays, and a real plus…I could find out if my current doctor accepted this policy.

You should know what kind of policy you are looking for. Since we are healthy, exercise and eat right, we look for high deductible catastrophic coverage. These have the very lowest premiums.

But the prices vary greatly…I identified a savings of $684 per year over what I am paying now. So you should use this free service every several months. It is easy fast…and no one will call.

Once you narrow down the policy that meets your needs you then fill out one application and one application only. Isn’t this better and far faster than talking to several dozen salesmen or saleswomen. That is what you would have to do to get the same amount of information with every other service on the web.

Wouldn’t you rather get health insurance quotes without giving your phone number?

Here’s how……

Personal Trainer – How to Identify a Fake Personal Trainer

Acquiring fake diploma and degree has become a child’s play in today’s times, and we unwittingly fall prey to unqualified men and women in various professions. Going to the gym with wide-eyes and hopes of soon becoming another Stallone or Schwarzenegger you end up with disappointment when you find that the personal trainer over there is a quack. Identifying the credentials of the professionals is increasingly becoming an ordeal. Yet, it is advisable to dig out the credentials of the person, before hiring him. Failure to do so puts us in a dangerous spot, as we are prone to injuries if workouts are not performed appropriately.

Generally everyone entering a gym has this question in mind. How to identify a genuine trainer and be wary of the fakes on the prowl? Perhaps no single method could help you in your quest to identify the fake trainer. A combination of analysis, observation, questioning and references may serve to identify the authenticity of the personal trainer. We set out to do many things banking on the weight of the references. Likewise getting references from satisfied customers of the trainer would help us in avoiding the embarrassment of ending up with a fake trainer.

Analysis and observation of the situation is the best way to judge the genuineness of the claims made by a personal trainer. We find the quacks occupying the two extreme ends of the behavioral spectrum. They either tend to talk too much or keep highly reticent when spoken to. This is truly a very good lead for you to follow carefully and unravel the mystery of the trainer. Personal trainers with improper certification and training keep quiet or answer repetitively in mono-syllables when confronted with questions about things like improving the abs. They even show signs of irritation when you try to discuss

The other types of quacks are the ones who don’t shy from making tall and false claims. These trainers talk non-stop and show no qualms even when you ask them to deliver you the moon. These trainers overtly fix their eyes on your pockets and try to get you on board instantaneously, when you approach them to improve your physique and health. They promise the moon, without batting an eye-lid. Thus a personal trainer who does not assess the situation on a realistic scale and just says that anything is possible can not but be a fake trainer.

Lastly you could find out the credential of a personal trainer by directly questioning about aspects of personal training to assess his grip of the subject. After browsing valuable information on the facts about building your muscles from the internet, you could put him couple of questions directly to hear his answers. Ask him the possibilities of succeeding in your aspiration of adding 50lbs of muscle by the year end. A fake trainer, who is more concerned in making a quick buck, would always wrongly answer that this dream could be definitely fulfilled. The glib talk of a …

What Does NSF Stand For? 3 Points About NSF Fees

You may have heard the term “NSF” floating around lately. If so, you likely read or heard it in the news, at work, or maybe from a friend. This is a personal finance term that has a direct impact on how much of your own money you actually get to keep at the end of the day.

If you are wondering, “What does NSF stand for?,” here is a definition, along with some important points you should know about personal finance that could save you hundreds of dollars or more a year.

NSF simply means “non-sufficient funds.” Usually, the term is used to refer to the situation whereby you make a charge to your checking account – usually a debit, credit, or check charge – for an amount that exceeds the balance of your account. An NSF situation almost always results in your having to pay a fee of $30 or more to your bank each time.

Another common term for “NSF fees” is “overdraft fees.” Here are 3 points about NSF fees you should know.

1. You may be paying NSF fees to your bank each month: Most people are not aware that nowadays the majority of banks automatically enroll their new checking account customers in something called an overdraft protection program. Once enrolled, you will be liable to pay your bank big NSF (overdraft) fees every time you overdraw your account.

2. You will have to pay fees even when your bank accepts a debit transaction for an overdrawn account: Overdraft protection programs are set up in a way that allows new debit card charges to be accepted and covered by your bank – even though your account has a negative balance at the time that results in your having to pay a fee. This practice is quite sneaky on the part of banks: it means you could end up paying 1, 2, 3 or more NSF fees in a given day without even knowing it – adding up to $100 or more.

3. You can protest overdraft fees and sometimes win: If an overdraft fee has shown up on your bank statement recently, you can sometimes protest and win. However, doing so takes your valuable time, and winning is not guaranteed.

Take the time right now to go back through the past 2-3 months of bank statements and add up how much you have paid your bank in NSF fees. The number may surprise you. The good news is that some banks now offer no-overdraft-fee checking accounts, which means they will cover your overdrawn charge but still not charge you a fee – ever.…