Ten Ideas for Creating a Memorial After the Funeral or Life Celebration

By Mary Hickey

Below you will find many memorial and remembrance ideas that you can use to keep the memory of your loved one alive. After the funeral, memorial service or life celebration many people wish to have something permanent as a reminder of the person that they loved and lost. It may help to think about what was important to the person you lost. What did they value? What made them smile? Perhaps by beginning there, the appropriate memorial will present itself. Here are 10 ideas that may help to guide you.

• You can plant a tree in their memory. You can find tree seedlings on the internet. You could also buy a tree at a local nursery.
  
• Have your love one's photo placed on a stamp. This also would be ideal for the thank you notes you will be sending for the flowers, donations and the help you will be receiving. Get more information here http://photo.stamps.com/PhotoStamps/learn-more/. On the anniversary of their death or on their birthday, consider sending a card or a memorial gift to close friends and relatives.
  
• Donate a memorial bench, if they loved golf, their favorite golf course may welcome the donation of a memorial bench. You may also consider purchasing a plaque or a brick in their name to help fund a community project.
  
• Have a star in the sky named after your loved one.
  
• Plant a section in the garden each year with their favorite flowers, you also may want to add a stepping stone or rock with their name on it in their special section of the garden. Consider each year sharing flowers from that section of the garden with the family and friends of your loved one.
  
• Start a college scholarship in their name.
  
• Create a video or DVD from photos and video or movie clips. This video can be played at family gatherings and on the person’s birthday or anniversary of their death. You can also easily make copies to share with close friends and relatives.
  
• Create a book of memories for the deceased’s family. Have friends and family write on note cards and include the note cards with photos in the book. You may also want to include newspaper articles about the deceased, the obituary etc.
  
• Create a memorial on the web – there are several websites that allow loved ones to memorialize the deceased through video, pictures, and voice recordings.
  
• Keep a journal of your memories, your thoughts and what you learned from your loved one.

Dealing with a loss of a loved one is so difficult. It’s important to do what brings you peace-of-mind. Focusing on a memorial may help you through the grief process and allow you to focus on the unique and positive aspects of your loved ones life and how that life can be remembered and celebrated for years to come.

Mary Hickey is an urn designer and thought leader in the funeral industry. She is co-founder of Renaissance Urn Company, based in San Francisco. For some drastically needed new life celebration ideas, contemporary memorial poems and verses visit her site http://www.nextgenmemorials.com/. Hickey can be reached at hickey_mary@hotmail.com.

Flowers Speaking: What Do They Say to You?

By Flora Delboda

Whatever the occasion may be - be it to share our greatest joys or express our deepest sorrows, flowers are most commonly used to represent our feelings. The formation can go as a single stem or a bouquet; these flowers, which are available in a variety of shapes, sizes, colors and fragrances, can be arranged to express almost every sentiment.

History supports the long path flowers have traveled in expressing feelings. The passion for flowers was so high with the French that they even published flower dictionaries in 1800s. This helped them classify and use almost all available flower species. The significance of a single flower such as a marigold was so high that its direction in a bouquet defined jubilation or a mourning.




Today, gifting flowers is not simply considered a kind gesture, but in many cases a hard-and-fast rule. Flowers of various types have become seamlessly integrated necessities in many of our most important life rituals, including birth, marriage, and death. It is a rare maternity ward that is devoid of bright blooms, just as a memorial service would be missing more than the dearly departed if it were not for a subtle adornment of white lilies, lilacs, and roses. Similarly, a bride without a bouquet is almost not recognizable as a bride at all.

One can be most artistic with the formation of bunch of flowers on marriages. In earlier times, it was affirmed that as the bride was to step into her new life, flowers and herbs around her forced the wicked evils away and guarded the bride. Flowers also helped couples express their feelings for each other during the courtship period wherein they sent particular flowers to exchange love notes before their wedding.

Some selections of floral symbolic meanings include:

• Daisies and lilacs: (youthful) innocence
• Tulips and red roses: love
• Irises: affection
• Lemon blossoms: vow of monogamy
• Violets: faithfulness

Flowers can strongly relate to specific personalities and hence can act as personal tributes as well. Even though the irises are more formally accepted as funeral offering, branches and ferns would be more befitting a tribute to someone who has been an avid outdoorsman all his life. Similarly, chrysanthemums though denote the expression of serious love but a girl named Chrissy might just be delighted to have them as her first date gift!

As the old adage goes that beauty lies in the eyes of the beholder, the expression the bouquet conveys is dependent on the understanding of the recipient. The appeal of Red Roses as a romantic gift is universal and can be understood everywhere. However a grouping of poppies signifying extravagance may find it difficult to penetrate many minds. If a flower or an arrangement speaks to you then perhaps bright colors best establish your happiness on success at professional level or a promotion while a single lily may remind you of someone loved at home even though it is normally considered a funeral flower.

The colors, the varieties, the sizes, the combinations... flowers can combine to create an endless number of expressions and sentiments. The fresh aroma of newly-emerged roses can capture the memories of a childhood summer better than the most vivid journal entries and home movies. Breathe in the fragrance, take in the vivid coloring, and enjoy expressing that which cannot quite be put into words with flowers.

Copyright 2006 Flora Delboda. All rights reserved.
Flora Delboda is the webmaster of DM Flower- a Flower Portal which is a single resource for flower growers, gardeners, florists, wedding planners, and other flower enthusiasts. on the Internet. Be sure to visit her archive of articles at: http://www.dmflower.com/newsletters/

Military Funerals

By Eddie Tobey

In the US, a military funeral is given by the armed forces for a war veteran, a soldier who died in battle or a prominent military figure. The Department of Defense, or DOD, is usually responsible for providing military funeral honors or the title “Honoring Those Who Served” to the deceased.




Section 578 of Public Law 106-65 of the National Defense Authorization Act mandates that the U.S. military must provide the rendering of U.S. military funeral honors for an eligible veteran upon a family’s request. Those who are eligible for a U.S. military funeral include military members on active duty or in the Selected Reserve, former military members who served on active duty, former military members who completed at least one term of enlistment or a period of initial obligated service in the Selected Reserve, and former military members discharged from the Selected Reserve due to a disability incurred or aggravated in the line of duty.

A military funeral usually includes all or some of the following features, depending on the status or the deceased. The coffin of the deceased is traditionally draped in a U.S. flag, and at the time of burial the flag is folded and presented to the next of kin as a keepsake. The flag is provided by the U.S. Veterans Benefits Administration without any cost, and is draped around the casket or accompany the urn of a deceased soldier. During the funeral procession, a horse-drawn caisson sometimes transports the coffin. Usually, cannon fires or gun salutes accompany a military funeral for high-ranking officials. A military bugler play taps at a distance of 30 to 50 yards from the gravesite, and sometimes a fly-by by military jets is performed for flyers and General Officers of the USAF.

A military funeral honors a war veteran, soldier who died in battle or a prominent military figure, and fills the hearts of their immediate family member with pride for the deceased.

Funerals provides detailed information on Funerals, Presidential Funerals, Military Funerals, Readings for Funerals and more. Funerals is affiliated with Golden Caskets.

Whole Life Insurance Advice – Important Whole Life Insurance Components

By Jessica Farrell

Not one of us is going to live forever. It’s a fact that many of us don’t want to think about; however, not thinking about it isn’t going to make it any less painful when the day does come that we leave our family members and loved ones behind. Not only are we going to leave them with sadness, but we may also leave them with accumulated bills, including medical bills, as well as funeral costs.




Purchasing a life insurance policy will help ensure that our families and loved ones won’t have to worry about any of the financial difficulties or strains that almost always arise in the even of death. Purchasing a whole life insurance policy will take care of three important concerns: costs, coverage duration, and cash value. Below you’ll find information and advice about these three whole life insurance components.

Most whole life insurance policies have permanent, level premiums, so the earlier you purchase your whole life insurance policy the better. Your rates won’t skyrocket as you get older.

Unlike term life insurance policies, whole life insurance policies cover you for life. Although term life insurance policies are ideal for people who only want coverage for a certain amount of time, with a whole life insurance policy you won’t need to worry about your coverage coming to an end.

Also unlike term life insurance policies, whole life insurance policies accumulate cash value. You can receive these cash values if you ever decide to surrender your policy. You may also take a policy loan against these cash values at your insurance’s current policy loan rate. It is important to remember that if you should surrender your policy or die while a loan is taken out, your cash value or death benefits will be decreased. The cash value accumulation component of whole life insurance policies might be the most popular feature as it acts as an investment component and can even provide you with financial security should you encounter an emergency.

View our Recommended Whole Life Insurance Company, a simple site that has an easy to fill out application. It also has a lot of great info about Home Insurance and Car Insurance

Advantages and Disadvantages of Guaranteed Acceptance Life Insurance for Seniors

By Chris Simons

Buying life insurance when you are a senior used to be a hard thing to do, but now there are many companies that offer Guaranteed Acceptance Life Insurance to people who would not otherwise be able to buy life insurance due to their age, health or financial situation. With Guaranteed Acceptance Life Insurance there is no physical exam requirements or questions about the applicants health. These plans usually have a limited benefit period. If the death of the policyholder occurs in the first few years a reduced benefit is paid, or the insurance company returns the premiums already paid with the accumulated interest. This is how insurance companies are able to guarantee acceptance.




There are a few disadvantages to guaranteed life insurance. Most of these types of policies are designed to provide only funeral expenses, so most do not sell policies with a benefit value of more than $15,000 to $20,000. The cost of guaranteed life insurance policies are also high, because the company has no other information but age and gender on which to base the premiums. These two disadvantages can make guaranteed life insurance very undesirable, especially since you can end up paying the insurance company more in premiums than the death benefit of the plan. That means that the insurance policy has a worse performance than a savings account. The National Association of Insurance Commissioners is actually looking into this problem to find out if anything should be done.

Guaranteed life insurance policies also have a feature called “Graded benefit period.” This protects the company from people signing up for insurance while on their deathbeds. This is done by writing into the policy that if the policyholder dies within a certain amount of time after the policy is taken out, the company only has to pay the premiums, plus the interest that that has accrued to the policyholder.

With all of these disadvantages in mind it is usually best to look for traditional insurance first, and take the physical exam and answer medical questions to find out if you can get insurance. If you can get traditional insurance you will most like pay much less for a greater amount of benefit than if you had bought guaranteed issue life insurance. If you have been turned away from every other policy because of health or age, guaranteed life insurance is a good option, but it should not be your first. Talk to a financial advisor and see if a savings or investment plan would be a better option.

Chris Simons is a prolific freelance writer. You are welcomed to visit http://life-insurance.cyberinformer.com/, for more information on Life Insurance.

When Grandma is Dying - What to Do With the Young Children

By Jack Wilson

When Grandma (or anyone else close) is dying we need to consider the children’s lack of sophistication about death. But children know more than we think and know it sooner than we realize. It is best to let them in on what is going on in the household to the degree that they can understand. If you conceal the truth, it only teaches them to do the same and that you don’t have faith in them. When they are very young they need to cope on a fantasy level. They are glad to hear stories which they can feel a part of. Stories about make-believe are fine, but not to deceive them, just to distract and comfort. Always answer their questions as honestly as you can. If you don’t know the answer, say so.




By age seven they are finished with pre-school and kindergarten and have negotiated the world of the school yard and the neighborhood and have a lot more savvy than we may believe. Even so, they need to be spoken to with care. No need to be sentimental about it, but show as much warmth and love as possible so they feel secure. Holding them and rocking is very beneficial. It can help children to deal with human mortality if you talk about the life cycles of plants and animals. They will have had experience with seeing plants die and probably animals, and will surely have seen movies in which animals die. It is worthwhile to help them to realize that our grief is for ourselves because we don’t have that wonderful person in our lives anymore, not for the dead person who is beyond awareness. Don’t be afraid to laugh and make them laugh.

While she is alive, have the children start a scrapbook with pictures of them and Grandma together. Have them draw pictures of Grandma as they remember her earlier and as she looks now. Have them write stories about the past with Grandma and where they think Grandma is going. Have them make a greeting card every day and have them present it to her. Save the cards for the scrapbook. Take pictures of the presentation. Grandma smiling is a wonderful keepsake.

Make a recording of Grandma’s voice; take a movie with her and the children if you can. Encourage them to sit and play quietly near her when she is sleeping. Ask them about their dreams every morning. Have them make a banner saying WE LOVE YOU GRANDMA to hang in her room.

They may want to see her body in the casket. You will need to exercise judgment about that. It can be traumatic or it can be comforting. Consider the children’s relative vulnerability. Include them as much as possible in the funeral and the activities afterward. Give them tasks so they feel that they have made a contribution.

Here is a site that helps in talking to children about death: http://www.hospicenet.org/html/talking.html

Children often feel guilty about the death of a close one, as if they were somehow responsible for the death. Assign them some responsibilities of a ceremonial or ritual nature such as lighting candles, singing a song, creating a shrine. The more they participate in the last months and days, the more they will be able feel that they did their best and they will have memories to cherish and less guilt to worry about.

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Jack Wilson is a writer in Tempe, AZ

http://www.geocities.com/galimatio/jackwilson.html

Colorado Wrongful Death Lawyers

By Jimmy Sturo

Colorado wrongful death lawyers can help you whether you are prosecuting or defending a wrongful death case. A wrongful death claim alleges that the deceased was killed as a result of negligence or other liability on the part of the defendant. Further, the surviving beneficiaries and dependents are entitled to monetary damages because of the defendant’s actions and conducts.





The wrongful death law is a law that seeks to provide financial compensation to the heirs of a deceased, whose death was caused due to negligence, omission, wrongful acts or default of another.

Though there are no federal statutes for wrongful death, each state has made its own set of civil wrongful death statutes; therefore the laws vary from state to state.

Wrongful death can be caused by medical malpractice resulting in the deceased’s death, neglect or abuse on part of a nursing home, an automobile, bus, train or airplane or other common carrier accident, occupational exposure to hazardous material or substances.

Spouses and the deceased’s immediate family members generally file wrongful death lawsuits. They are entitled to monetary damages as a result of the deceased’s death.

The lawsuits mainly award financial damages. This includes loss of support, lost prospect of inheritance, medical and funeral expenses and services. Any damages awarded pass on the estate of the deceased and then can be directed by the deceased’s will. If there is no will, the damages will be directed as the state law permits.

For a wrongful death lawsuit, there are various time limitations and other legal implications.

There are well-experienced wrongful death lawyers available in Colorado.

Colorado Lawyers provides detailed information on Colorado Lawyers, Colorado Accident Lawyers, Colorado Employment Lawyers, Colorado Divorce Lawyers and more. Colorado Lawyers is affiliated with Arizona Criminal Defense Lawyers.

Public Speaking and Panic Attacks

By Joe Barry Mc Donagh

It is often observed that many people’s top ranking fear is not death but having to speak in public. The joke is that these people would rather be lying in the casket at the funeral than giving the eulogy. Public speaking for people who suffer from panic attacks or general anxiety often becomes a major source of worry weeks or even months before the speaking event is to occur.

These speaking engagements do not necessarily have to be the traditional “on a podium” events but can be as simple as an office meeting where the individual is expected to express an opinion or give verbal feedback. The fear of public speaking and panic attacks in this case centers on having an attack while speaking. The individual fears being incapacitated by the anxiety and hence unable to complete what he or she is saying. The person imagines fleeing the spotlight and having to make all kinds of excuses later for their undignified departure out the office window….



Photo credit: tlegend

This differs slightly from the majority of people who fear public speaking because their fear tends to revolve around going blank while speaking or feeling uncomfortable under the spotlight of their peers. The jitters or nerves of speaking in public are of course a problem for this group as well, but they are unfamiliar with that debilitating threat which is the panic attack, as they most likely have not experienced one before.

Public Speaking and Panic Attacks
So how should a person with an anxiety issue tackle public speaking? Stage one is accepting that all these bizarre and quite frankly unnerving sensations are not going to go away overnight. In fact, you are not even going to concern yourself with getting rid of them for your next talk. When they arrive during a speech/meeting, you are going to approach them in a new manner. What we need to do is build your confidence back to where it used to be before any of these sensations ever occurred. This time you will approach it in a unique, empowering manner, allowing you to feel your confidence again. It is said that most of the top speakers are riddled with anxiety before speaking, but they somehow use this nervousness to enhance their speech. I am going to show you exactly how to do this, although I know that right now if you suffer from public speaking and panic attacks you may find it difficult to believe you can ever overcome it.

My first point is this and it is important. The average healthy person can experience an extreme array of anxiety and very uncomfortable sensations while giving a speech and is in no danger of ever losing control, or even appearing slightly anxious to the audience. No matter how tough it gets, you will always finish your piece, even if at the outset it feels very uncomfortable to go on. You will not become incapacitated in any way.

The real breakthrough for if you suffer from public speaking and panic attacks happens when you fully believe that you are not in danger and that the sensations will pass.

“I realize you (the anxiety) hold no threat over me.”

What keeps a panic attack coming again and again is the fear of the fear—the fear that the next one will really knock your socks off and you feel you were lucky to have made it past the last one unscathed. As they were so unnerving and scary, it is your confidence that has been damaged by previous anxiety episodes. Once you fully understand you are not under any threat, then you can have a new response to the anxiety as it arises while speaking.

Defeating public speaking and panic attacks...

There is always a turning point when a person moves from general anxiety into a panic attack, and that happens with public speaking when you think to yourself:

"I won’t be able to handle this in front of these people."

That split second of self-doubt leads to a rush of adrenaline, and the extreme anxiety arrives in a wave like format. If, however, when you feel the initial anxiety and you react with confidence that this is not a threat to you, you will move out of the anxiety rapidly. Using this new approach is a powerful ally because it means it is okay to feel scared and feel the anxiety when speaking–that is fine; you are going to feel it and move with and through the sensations in your body and out the other side. Because he or she is feeling very anxious, often before the talk has begun, that person may feel they have already let themselves down. Now, you can relax on that point. It is perfectly natural to feel the anxiety. Take for example the worst of the sensations you have ever experienced in this situation—be it general unease to loss of breath. You will have an initial automatic reaction that says:

“Danger–I’m going to have an episode of anxiety here and I really can’t afford that to happen.”

At this point most people react to that idea and confirm it must be true because of all of the unusual feelings they are experiencing. This is where your thinking can lead you down a train of thought that creates a cycle of anxiety that produces a negative impact on your overall presenting skills.

So let that initial “oh dear, not now” thought pass by, and follow it up immediately with the attitude of:

“There you are–I’ve been wondering when you would arrive. I’ve been expecting you to show up—by the way, I am not in the least threatened by any of the strange sensations you are creating—I am completely safe here.”

Public Speaking and Panic AttacksThe key to controlling your fear of public speaking and panic attacks is that instead of pushing the emotional energy and excitement down into your stomach, you are moving out through it. Your body is in a slightly excited state, exactly as it should be while giving a speech, so release that energy in your self-expression. Push it out through your presentation not down into your stomach. You push it out by expressing yourself more forcefully. In this way you turn the anxiety to your advantage by using it to deliver a speech where you come across more alive, energetic and in the present moment. When you notice the anxiety drop as it does when you willingly move into it. Fire a quick thought off when you get a momentary break (as I am sure you have between pieces), asking it for “more.” You want more of its intense feelings as you are interested in them and are absolutely not threatened by them.

It seems like a lot of things to be thinking about while talking to a group of people, but it is not really. You’d be amazed how many different non-related thoughts you can have while speaking. This approach is about adopting a new attitude of confidence to what you might have deemed a serious threat up until now. This tactic will truly help you with fear of public speaking and panic attacks you have associated with them.

If your predominant fear of the speaking engagement is driven by a feeling of being trapped, then I would suggest factoring in some mental releases that can be prepared before the event. For example, some meetings/speeches allow for you to turn the attention back to the room to get feedback etc. from the group.

If possible, you might want to prepare such opportunities in your own mind before the engagements. This is not to say you have to ever use them, but people in this situation often remark that just having small opportunities where attention can be diverted for the briefest of moments can make the task seem less daunting. It my even be something as simple as having people introduce themselves or opening the floor to questions. I realize these diversions are not always possible and depend on the situation, but anything you can factor in that makes you feel less trapped or under the spotlight is worth the effort and can help alleviate fear of public speaking and panic attacks.

I hope you have found this public speaking and panic attacks page helpful. Please give it some careful consideration and you will realize it contains the truth.
http://www.panic-and-anxiety-attacks.com/public-speaking-and-panic-attacks.html
This article is copywritten material. Any requests for reprinting this article must be made to Joe Barry McDonagh
Joe Barry is an international panic disorder coach. His informative site on all issues related to panic and anxiety attacks can be found here:
http://www.panic-and-anxiety-attacks.com/

Get quoted for your healthcare insurance

Dear Readers,
I would like to tell you about online service comparing healthcare insurance for you or your family members. Healthcare insurance is for everybody, not only for anyone who got sick, and no matter how old you are. Because you never know when you will have sick or accident as the result to go to Hospital.



Therefore, everyone should have some Health Insurance for unexpected time. You can choose one of the company that fits for your demand by filling the Quote, after that compare the premium rate and their offers choice. The quotes also available for Traditional, Supplemental, Groups, Catastrophic Self Employed, etc. For more details visit at AdvantageMedicalQuotes.com.

Debilitating Fear

By Kurt Mortensen

The biggest obstacle with people is fear. Overcome it and understand what your fears are costing you. Monetarily, relationships, the things you need to accomplish to become exponentially successful. That is why it is so important to implement the things we've talked about during these audios. Find the courage the confidence, the ambition, the conviction to become what you want to be. To do the things that you want to do.



Photo by TzuLan

Now does everyone have fears? We do. Now here is the interesting thing. A little baby that is a week old, just born only has two fears: the fear of falling and the fear of loud noises.

Some people like to take the word fear and spell it out, like False Expectations Appearing Real, some say it is forget everything and run. I think it is Frozen Energy Actions Required. So the challenge is that we've learned these fears, and so if we can learn them we can unlearn them. It is a challenge, we have on of the big fears that Napoleon Hill even talks about is the fear of criticism. Why do we care so much what people think? Social acceptance? We want to be accepted?

Esteem acceptance and praise is one of our deepest cravings. I've done seminars all over the country and as you speak to people, 50-60 people come up and say “thank you, that was great, I appreciate it.” But there is always that one person that has something negative to say, so the ratio is 50:1 but what is on my mind? That one person. What about the other 50? For example a dance instructor was teaching a lady who always wanted to dance and had saved up her money and on her first lesson, the dance instructor said, "Man, you dance like a hippo." What happens to that lady? Does she ever try it again? She is gone.

When in reality, if you look at some of the famous musicians, they've had instructors say that to them, but they didn't listen to them, but the majority of people do listen to them, they have this fear of criticism, they want to be accepted. Fear is one of those things that we really need to take a look at. If you take a plank and put it on the ground and walk across it, there is no fear, but all the sudden, if you put it up on a 20 story building, and you have to walk across this plank between two buildings, it is the same thing, you know you can do it, but you still feel the fear. For example, public speaking, is that a big fear among people? Why? It is a learned fear, where did we learn it? At school? Somebody laughed and what did we think? They are laughing at us.

I teach students and one of the courses I teach at the University is Public Speaking and one of the first things we have to deal with is the fear in getting out and doing it. In fact, one of the funny things that Jerry Seinfeld says is that one of the biggest fears is public speaking and public speaking is a greater fear than dying. And so he says people at the funeral would rather be in the casket than giving the Eulogy. It doesn't make a lot of sense. We have to look at one of the triggers of your fears. Where do they come from? Whether it's spiders or snakes or monsters under the bed. That is the thing. I'm not talking major psychosis or major fear, I'm just talking about minor fears that we have to get over and one of the biggest things they talk about of course is looking fear in the face. Getting out there and doing it. Have you ever had an experience where you were so scared to do something and then you went and did it and what was the first thing you thought of? That's right, that it wasn't so bad. We spend all this time worrying about it and the most important thing is to identify that trigger and understand where that fear comes from and get past them.

Like again, the fear of criticism, when you look at the fear of criticism, Napoleon Hill says it robs man of initiative, destroys his power of imagination, limits his individuality takes away his self reliance and does damage in 100 other ways. He talks about that it causes lack of initiative and lack of ambition. It is a great enemy, you need to identify that you have and get over it. Does anyone have a fear of getting on the phone? How about fear of rejection? They did studies with children who were deathly afraid of dogs. What they would do is they would actually have the kids watch other children play with dogs. That was enough to cure the fear 99% of the time to see other people doing it will get yourself out there and doing it. Understand that fear is magnified doubt. You create this in your mind. The critical thing is to get out there and do it.

Don't accept random thoughts in your mind. Program your subconscious mind, work on your mental skills and program your mind for success. It works! Success is an open book test. That is the critical thing you need to understand. Sure these are soft skills. Sure things are things you don't learn in school, but these skills I guarantee you will increase your ability to achieve exponential success faster than anything else. Go out there and do it. Achieve your dreams, find your goals and become exponentially successful.

Conclusion
Persuasion is the missing puzzle piece that will crack the code to dramatically increase your income, improve your relationships, and help you get what you want, when you want, and win friends for life. Ask yourself how much money and income you have lost because of your inability to persuade and influence. Think about it. Sure you’ve seen some success, but think of the times you couldn’t get it done. Has there ever been a time when you did not get your point across? Were you unable to convince someone to do something? Have you reached your full potential? Are you able to motivate yourself and others to achieve more and accomplish their goals? What about your relationships? Imagine being able to overcome objections before they happen, know what your prospect is thinking and feeling, feel more confident in your ability to persuade. Professional success, personal happiness, leadership potential, and income depend on the ability to persuade, influence, and motivate others.

Kurt Mortensen’s trademark is Magnetic Persuasion; rather than convincing others, he teaches that you should attract them, just like a magnet attracts metal filings. He teaches that sales have changed and the consumer has become exponentially more skeptical and cynical within the last five years. Most persuaders are using only 2 or 3 persuasion techniques when there are actually 120 available!

If you are ready to claim your success and learn what only the ultra-prosperous know, begin by going to http://www.prewealth.com/ and getting my free report "10 Mistakes That Continue Costing You Thousands." After reading my free report, go to http://www.PreWealth.com/IQ and take the free Persuasion IQ analysis to determine where you rank and what area of the sales cycle you need to improve in order to close every sale!

Health Insurance Options for Senior Citizens

By Cherie Gordon-Eales

Health insurance used to be considered a replacement of income for your spouse and children if you were to die during your working years. People of retirement age and older do not usually have young children to provide for because their children are usually grown up and have their own jobs and families. Therefore the benefits of insurance are directed to the needs of the elderly as they live out the rest of their lives. The life insurance sum will generally pay for the funeral arrangements and provide a lump sum to whoever is left behind. Some also help to pay the fees should one go into a nursing home facility as well. Because of the baby boomers living to a more advanced age the need for this type of health insurance is starting to increase.




Whilst the need for health insurance may decrease with age for some, there are many who would benefit from health insurance for the elderly. People are living longer these days and often, elderly individuals are called on to raise their grandchildren, long after they have finished raising their own offspring. If you are responsible for raising your grandchildren as a senior citizen, who will provide for them when you're gone?

Social security and pension benefits, if they are eligible to receive them, can fill in the gaps for your spouse and dependents after your death, but will that be enough? Look closely at your individual situation to determine whether or not you need to purchase senior health insurance and, if so, your chances to obtain it at a reasonable rate should you need to. What works for one may not work for you, so you must assess your personal situation before proceeding. Today Health Insurance has changed and many policies that were once thought of as age related are now being revised. Of course changing a policy you have had for many years will always be the best bet, since it was bought at ultimate age, health, and cost. But for those people who never thought they would need it, there are still some great policies available at a reasonable cost with great benefits.

When you become elderly buying health insurance can be difficult. As you get older, the companies that supply insurance cover don’t make any money off you unless they make the policies too high priced to achieve. Securing senior life insurance at a good premium rate can be even more difficult than the ads lead you to believe.

Unfortunately the real fact of the matter is that anything that increases your risk of death also makes you more of a risk to the insurance companies, thus reducing your chances of getting a good deal at a premium rate. Fortunately many insurance companies that specialise in providing senior people's insurance plans can offer you not only a wealth of good insurance information but they can also offer you a good insurance plan at a decent insurance rate.

You can increase your chances of securing a decent health insurance plan for the elderly if you are prepared to compromise exactly what you want to insure against. One way to achieve this is to get coverage for only long-term care and death expenses (such as cost of funeral, coffin and plot) Another way is by looking at your past and current lifestyle. If you keep yourself reasonably fit, haven't had any major illnesses and have no bad habits such as smoking and excess drinking you should be able to purchase a good health insurance plan at a decent price.

Although in the past the need for health insurance had been thought to decrease as a person got older this is certainly not the case now. Many insurance companies are seeing a gap in the market helping those of advancing age decide upon an insurance policy that will cover them both in long-term care and also funeral arrangements as the time draws near.

In the past many insurance companies were reluctant to issue health insurance to senior citizens. Not only that but many employer-sponsored heath insurance plans contained provisions to reduce the benefits for employees once they had reached a a certain age, usually 65. Today, although not as bad as in the past, you will often find that this is still the case.

No matter who or what insurance policy you decide to go with, make sure it best suits your needs. Do your research and compare quotes and policies to see who offers the most for the money. Every senior citizen has different needs and it is essential to have all the facts and information laid out logically so that you can get the best policy for the best price. For example, an elderly couple with an adult handicapped child will need more health insurance than a single elderly person who is alone and has only need for long-term and death benefits. There is also a broad spectrum in between which needs to be catered for. It is therefore, essential that you make sure you know what your needs are before signing anything.

Cherie Gordon-Eales author of the guide to helping you choose the right nursing/convalescent home

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Harvard Professors and TV Producers – Do They Really Know Much About the Second Coming of Christ

By Michael Bresciani

In a world bent on acquiring ever more knowledge being referred to as being intelligent has supplanted the idea of a moral and decent life. I attended a funeral where the deceased was known for having been a cranky, ungodly, unloving man throughout his entire life. I thank God I wasn’t asked to give the eulogy. The person that had to deliver the eulogy was hard put to find a decent word to say about the deceased. I will never forget the single word he was able to find in praise for decedent. He said “he was as we all know, a very intelligent man.”




While being intelligent has never been a requirement for entering the kingdom of God it is also not required for interpreting the scriptures or the exposition of biblical prophecies. That does not mean that it is left to the ignorant to tell what is in the scripture. It is the believing and faithful alone that are allowed to see what the word of God is saying. Jesus said the Pharisees heard what he was saying but because they chose not to believe it, its truth was concealed from them regardless of their intelligence. Both the Pharisees and today’s scholars and scoffers are still making true the adage that “The worldly say let me see and then I’ll believe while the Godly say I believe and thus they see”

That revelation and understanding is kept from certain people has nothing to do with their intelligence or the lack of it. In fact it is God himself who promises to keep them in the dark because of their unbelief.

He answered and said unto them, Because it is given unto you to know the mysteries of the kingdom of heaven, but to them it is not given. Matthew 13:11

And he said, Unto you it is given to know the mysteries of the kingdom of God: but to others in parables; that seeing they might not see, and hearing they might not understand. Luke 8:10

In that hour Jesus rejoiced in spirit, and said, I thank thee, O Father, Lord of heaven and earth, that thou hast hid these things from the wise and prudent, and hast revealed them unto babes: even so, Father; for so it seemed good in thy sight. Luke 10:21

The Apostle Paul scoffed at the scoffers especially those who fancied themselves men of letters and of science. O Timothy, keep that which is committed to thy trust, avoiding profane and vain babblings, and oppositions of science falsely so called: Which some professing have erred concerning the faith. Grace be with thee. Amen. 1 Timothy 6:20,21

The learned have never understood the principle of revelation. It is not what we learn that shows what God is saying but it is what God reveals to us about what he has said that matters. This principle is seen in Christ’s answer to Peter when Peter told him that he knew Jesus was the Son of the Living God. And Jesus answered and said unto him, Blessed art thou, Simon Barjona: for flesh and blood hath not revealed it unto thee, but my Father which is in heaven. Matthew 16:17

When the history channel aired its review of the Christian view of the apocalypse they called on several prominent university professors to comment on the renewed interest in the doctrines of the second coming of Christ. Many allusions were also drawn from movies like “Left Behind and the Omen. After presenting what is commonly believed in the church today about the second coming, the remainder of the program was used to de-bunk or cast doubt on those views. Calling on the views and comments of unbelieving doctors of divinity and TV and Hollywood puppets, they managed to raise more questions than they answered. Although not a laughing matter it seemed as if they were getting their best answers from Dr. Twiddle D.D. and Rufus T. Firefly. I think it’s safe to say that the apostles, prophets and certified bible preachers in any generation are far more believable than those the history channel chose to speak for them.

Before Christ was born in Bethlehem King Herod wanted to know where he was to be born. He asked his scribes and priests who after checking the writings of the prophets they informed Herod that he would be born in Bethlehem of Ephrata. Two amazing things can be learned from this little bit of scripture. First, what could be known about Christ’s first coming was readily available through prophecies contained in scripture. The second was that this knowledge was used to perform one of the bloodiest child massacres in the history of the world.

Nothing much has changed over the years. All that can be known about Christ’s second coming can still be found in the scriptures. And for those who are unbelieving and evil that knowledge will be scoffed at or misused to conduct themselves and others to their own inevitable judgment.

Rev Bresciani has written many articles over the past thirty years in such periodicals as Guideposts and Catholic Digest. He is the author of two books available on Amazon.com, Alibris, Barnes and Noble and many other places. Rev Bresciani wrote “Hook Line and Sinker or what has Your Church Been Teaching You,” publisher, PublishAmerica of Baltimore MD. He also wrote a book published by Xulon Press entitled “An American Prophet and His Message, Questions and Answers on the Second Coming of Christ.” His book is now being heralded as the clearest book on the subject of the second coming of Christ since Hal Lindsey's "Late Great Planet Earth" Rev Bresciani’s website is,

http://americanprophet.org/

Previous Insurance Injuries

By Michael Bens

If you have previous injuries prior to taking out life insurance, be ware that you will pay higher premiums if you are accepted for a policy. Thus, most people that pose a risk are labeled under the “Rated Acceptance Terms,” which means that you are a higher than average risk and you will pay higher premiums for coverage.




Sounds unfair and to a degree it is if you were victimized in an incident. Still, you will receive the Rated premiums if you have previous injuries. Most insurance companies may require that you take a medical examination, even if they have reviewed your medical records. Therefore, it pays to be honest to avoid losing your chance of getting coverage. After all, the coverage now will add up later when your family needs it the most. As a candidate under the Rated premiums, I my self would prefer to pay higher premiums now and avoid stress to my family later. I experienced the most frustrating experience of life when my mother passed on, and my father had no life insurance coverage. We struggled to pay for her funeral expenses, and believe me it left bitterness inside, since my father did not consider the inevitable.

Few companies’ may not apply medical exams; however, many will especially if you pose risks. Most companies’ will request the medical records from your physician under your consent and are often happy with the results, however, if the records have history then the medical exam is required, and often this slows the process of getting your coverage.

If you have a mortgage, or currently closing a mortgage deal you are expected to take out life insurance in most instances. Life insurance is often required since it is an additional source of security to the lender that money is available in the event you should die. The life insurance policies will often payout a lump sum of cash to the family members if you die, and this is often applied to payoff the mortgage. However, most companies will charge higher fees when you include mortgage in your life insurance policy.

Some companies consider mortgages in different light. For example, if you have “Interest Only Mortgage” loans then you will need “Level Coverage Life” policies, since you will need a ‘fixed and constant’ cash assurance. The reason for this is that the Interest Only loans allow the buyer to payoff the interest first and then the capital later. The Level Coverage Insurance pays off the capital on the mortgage, thus since the buyer is only paying interest now the capital later will be much higher. Therefore, the company will charge higher premiums likely, since the money applied to your life insurance is the sum you will receive if you should die. Therefore, the company (when mortgage is involved) is paying for burial plus mortgage. If you have a mortgage and a spouse joining you in the purchase of the home, then you want to consider a Joint Plan, since this will lower your premiums slightly.

Of course, if you or your spouse is under the Rated Premium plans then the premiums will go up. One of the disadvantages of Joint life coverage is that the term is obsolete once the first party dies. Thus, the plan is often called “First Life” since it will cover one or the other in the event a policyholder dies. Therefore, if the spouse does not have a single policy when the first policyholder dies, he/she will not have coverage and it could lead to bigger problems since the person may not be able to get coverage later.

Still, if the second party were able to get coverage, the person would pay higher premiums most likely. Finally, if you have mortgage to consider you may want to consider taking out Critical Ill or Terminal Ill coverage, since this will provide additional coverage when the inevitable occurs. Furthermore, it might be in your best interest to take out separate policies, rather than joint policies, since you may pay more now, but you and your spouse will not suffer later.

Authored by Michael Bens. For more great information about all forms of insurance visit our free online insurance publication the Gabae Insurance Source to find the information you're looking for!

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Readings for Funerals

By Eddie Tobey

Funeral services often include prayers, readings from the Bible or other sacred texts, the signing of hymns or words of comfort by the clergy. Sometimes, a relative or a close friend is also asked to give a eulogy detailing the happy memories and achievements of the deceased. Readings and speeches at the funeral service provide comfort and courage for family and friends mourning the death of a loved one.




Readings are often customary, and are part of the funeral ceremony to provide deeper consolation and strength to the immediate kin of the deceased. At the Mass for a Catholic burial one can read from the Sacred Scriptures of the Old Testament, the New Testament or for the various Gospels. Some of the famous readings are, “I Know That My Redeemer Lives” from the Book of Job 19:1, 23-27; “He Accepted Them As A Holocaust” from the Book of Wisdom 3:1-9 or 3:1-6. 9; “It Is Good And Holy To Think Of The Dead Rising Again” from the second book of Maccabees 12:43-46, “Rejoice And Be Glad, For Your Reward Will Be Great In Heaven” from the Gospel of St. Matthew 5:1-12; or “Young Man, I Say To You, Arise” from the Gospel of St. Luke 7:11-17.

A friend can also recite a poem during a eulogy to express his deepest thoughts and feelings, and the right poem, whether ancient or modern, will provide some comfort to the deceased family. However, the poems should be appropriate for the occasion and short enough to be read at a funeral or memorial service.

Reading scriptures during funeral services proclaims the meaning that Christ himself gave to death, teach us to remember the dead and nourish our hope of being together again in God’s kingdom. Readings give a deceased family hope to be re-united with their loved ones, and are an important part of a funeral rite.

Readings or poems recited during funerals truly express the sad bereavement sentiments and comfort the immediate family members of the departed soul.

Funerals provides detailed information on Funerals, Presidential Funerals, Military Funerals, Readings for Funerals and more. Funerals is affiliated with Golden Caskets.

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Can Natural Remedy Help To Lower Or Prevent High Blood Pressure?

By Cindy Heller

Today, most of the people do not know they have high blood pressure, because it has no overt manifestations, such as pain, dizziness or headaches. Then how most of the high blood pressure or hypertension is discovered? Every time when you are sick and go to see your doctor, the doctor or nurse will take your vital signs, including your pulse, blood pressure and heart rate. From here, usually the doctor will let you know your body condition.





If you are detected you have high blood pressure or hypertension, it is essential for you to treat it immediately as high blood pressure is a very serious condition that can have fatal consequences if you are not treated it correctly and effectively. It can cause heart failure and fatal strokes. So high blood pressure is not a medical condition to take lightly, you should select a treatment whether to use traditional medicine or a natural remedy for high blood pressure.

Usually, traditional medicine used by physicians to treat high blood pressure is anti-hypertensive medications like Inderal, Tiazac, and many others. The great majority of these anti-hypertensive prescription medications have few, if any, unpleasant side effects. They work well by preventing a person blood pressure from rising past a certain point.

However, some anti-hypertensive prescription medications do have side effects like depression, and one type of medication just might work for you but not others. You may have to try numerous medications and dosages until it suit you.

What Are The Natural Remedy Use for High Blood Pressure?

For this alternative medicine, biofeedback is frequently used as a natural remedy for high blood pressure or hypertension. It is advent in the 1960. You may be unaware of what is going on inside your body, but thru the use of this biofeedback monitoring instruments; it provides you with physiological information about how your body is functioning. The biofeedback allows you to actually control your autonomic nervous system that controls blood pressure, heart rate and gastrointestinal activity.

How is this biofeedback work? Usually the psychologist will attaches electrodes to points on your chest and skull. These electrodes pass information to a monitoring device that allows you to actually see how your brain and heart are working. Through physical and mental exercises in relaxation, you can slowly learn to control your breathing and heart rate. After a few tries, you will no longer need the biofeedback monitoring instruments; you should be able to do it on your own.

Herbal medicine

Herbal medicine is another type of natural remedy well use for high blood pressure. In this type of alternative medicine, roots, plants, leaves and bark of a beneficial nature are used to treat or prevent certain medical conditions. You should always let your doctor know that you are using herbal medicine as some prescription medications and laboratory tests can be negatively affected by the use of herbal medicine.

Olive leaves contain substances, called oleuropein; oleuropein will help treats infections, lowers blood pressure and lowers cholesterol. The ancient Greeks prized these olive leaves so well for their medicinal use that, as a testament to its health benefits. Olympic athletes also use these Olive leaves, they were crowned with wreaths of olive leaves.

Over the years, practitioners have done a lot of work on using herbal healing for high blood pressure. They have also successfully isolated some herbs that act as natural remedies for high blood pressure. Herbs like Garlic and Coleus is not suitable for this condition. Garlic contains substances called alliinase, alliin and allicin that help on blood flow to the brain and heart. However, garlic has a side effect, it has negative interaction with blood-thinning drugs like Aspirin, Warfarin, Heparin and large doses used by pregnant women can cause a miscarriage. It also may put the patient at risk of bleeding.

Another highly effective natural remedy for high blood pressure is Hawthorn leaves and flowers. This Hawthorn do not has the negative effects of garlic and coleus. Hawthorn works by regulating the heart's blood-pumping ability. Its usually comes in capsules; you should be carefully using this herb and never exceed the recommended dose since this could cause a dangerous drop in blood pressure.

Stevia leaves are the most recent herbal medicine use for high blood pressure. Stevia is a calorie-free sweetener that also appears to lower high blood pressure. But since more research is needed to insure Stevia's effectiveness and safety, it should only be used under the care of a doctor to avoid a dangerous drop in blood pressure.

Some herbs also can use to prevent high blood pressure. You should monitor your blood pressure regularly; if you see some thing not usual you should stop using the herbs and consult your doctor immediately. Prevent it is better than cure.

Cindy Heller is a professional writer. Visit Home Natural Remedy to learn more about natural remedy for high blood pressure and natural remedy for hypertension.

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Funerals - How To Save Money When Planning One

By Michael Russell

There is substantial money that can be saved by shopping wisely for all the expenses associated with a funeral. I have outlined some tips for saving funeral money below.

Talk to family members about your funeral. When you die, grieving survivors may be vulnerable to the subtle ploys of the funeral director to spend a lot of money. If your wishes are in your will, it may not be read until after other arrangements have been made. Make sure that your family knows what your wishes are.




Price shopping in person, by phone, or via the internet can save you thousands of dollars. To try to accurately calculate the time spent for each funeral option, add an hour or two for behind the scenes work. Be sure to ask if there will be any other charges. If you calculate paying more than $100 per hour, your mortuary is very high priced. On the other hand, if the cost seems reasonable, be sure to check the cost for caskets. In the past, mortuaries had a high markup for their caskets.

Choose a simple, wood casket. It is currently illegal for mortuaries to charge a handling fee for bringing in an outside casket. Some cost-conscious individuals choose a minimum priced casket from the mortuary and drape it in material that the deceased loved one would like.

Many people are choosing cremation over a traditional burial. It costs much less to have the cremated remains sent from one state to another. The space that the cemetery charges will probably cost less than the space needed for a body burial. Or, you can opt to have the cremated remains buried or scattered in a special place of your choosing. If you choose to have a memorial service sans the body, there is no need for embalming, a fancy (and expensive) casket, or transporting of the body back and forth. You can use a park, church, or community center for the service, without paying for the funeral home staff.

A lesser known option is to donate your body to a medical school. In many cases, there is no cost to the family. An attractive option to this is that the cremated remains are usually returned to the family after scientific study.

If you prefer a traditional, body burial, opt for the grave liner. For all intents and purposes, it is just a box for a box. The outer burial container has become a way for morticians to increase their bottom line. Remember that it just gets covered by the cemetery lawn.

Funeral directors are not necessary. You can handle all arrangements by using a third party. There are numerous resources available that tell you what permits are required, when and where to file them, plus a lot of practical information for families.

Join or communicate with a Funeral Consumers Alliance. Many of these alliances have contracts with mortuaries for discount services. They have the price shopping already completed and can help if you die or move to another state.

A funeral is an extremely sad, hectic and expensive time in the life of a family. Following the tips that I have outlined should help with the burden of traditional and non-traditional, funeral planning.

Michael Russell

Your Independent guide to Funerals

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Most people involve the insurance such as car insurance, life insurance. So, if you want to buy a new insurance policy. As with most insurance polices, life assurance is a contract between the insurer and the policy owner whereby a benefit is paid to the designated Beneficiary if an insured event occurs which is covered by the policy. To be a life policy the insured event must be based upon life of the people named in the policy.




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Wills

By Josh Riverside

A will is a legal document that determines what happens to a person’s property after his or her death. A will states who receives property and assets and in what amount. Property distributed under the terms of the will become the probate estate. Making a will is a responsibility, as well as a right that is protected by law.




A will should be made when a person is legally competent, having a sound mind and at least 18 years old. It should be prepared while its maker is in good health and free from emotional stress. In other words, to make a valid will, people must understand things such as what property they own, its value, and whom they are leaving it after their death.

A person does not need to have a large estate to plan and prepare a will. Anyone who owns property, including cash, stocks, jewelry or furniture, or real property, such as land or house, could prepare a will. If married, each spouse should have a will indicating the ownership and transfer of property.

In addition to distributing or transferring of property, a will should have other functions. It may be used to name a guardian for any minor children or to create a trust and designate a trustee to handle an estate (property left after death) on behalf of children or others. A will may also be used to name a personal representative or an executor to handle a decedent's property and affairs from the time of death until an estate is settled.

When there is no valid will, the person is said to have died intestate. A court appoints an administrator to handle the decedent's affairs, and his or her property is then distributed according to a formula fixed by law. After payment of taxes, debts, funeral expenses and administrative costs, the property goes to the surviving spouse, children or relatives. The laws are specific as to how property is to be distributed, including which relatives have priority and how the property is divided.

Wills provides detailed information on Free Wills, How to Write a Will, Last Will And Testament, Living Wills and more. Wills is affiliated with Living Will Forms.

Funerals

By Eddie Tobey

A funeral is a procession or ceremony held in connection with the burial or cremation of a dead person. A funeral is an assortment of customs according to one’s religious affiliations and culture.
In the US and Canada, most funeral rituals are divided into three parts: visitation, funeral and burial. At the visitation ceremony, the embalmed body of the deceased is placed in a casket for friends and family to view the body. Usually, visitation takes place one or two evenings before the funeral, and most attendees sign a book kept by the deceased’s survivors to record the feelings of the friends and family members. Sometimes, a family might also display photographs taken of the deceased during his lifetime, or some prized possession at the visitation. The ceremony usually ends with a prayer service, and in a Catholic funeral the ceremony might include a rosary.




The visitation ceremony follows a memorial service or funeral service, and generally take place at either a funeral home or church. The funeral service is often officiated by a clergyman and includes prayers, reading from the Bible, the singing of hymns and words of comfort by the clergy. Sometimes a relative or close friend also gives a eulogy detailing happy memories and achievements. Finally, the coffin is closed after the attendees view the deceased's body for the last time. The funeral service is concluded with a burial service, conducted at the side of the grave, tomb or crematorium, where the body is being buried or cremated at the conclusion. Sometimes, pallbearers or close relatives and friends of the deceased carry the casket from the chapel to the hearse and from the hearse to the site of the burial service. In some traditions, a meal or other gathering at the deceased’s church or another off-site location follows the burial service.

Funerals are somber occasions, and etiquette demands that one should attend a funeral of a friend or acquaintance to pay his last homage to the deceased.

Funerals provides detailed information on Funerals, Presidential Funerals, Military Funerals, Readings for Funerals and more. Funerals is affiliated with Golden Caskets.

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The causes of hemorrhoids

There are include genetic predisposition, straining during bowel movements, and too much pressure on the rectal veins due to poor muscle tone or poor posture. Similarly, sitting for prolonged periods of time can cause hemorrhoids. Hypertension, particularly in the portal vein, can also cause hemorrhoids because of the connections between the portal vein and the vena cava which occur in the rectal wall knew as portocaval anastomoses. Additional factors that can influence the course of hemorrhoids, especially for those with a genetic predisposition, are obesity and a sedentary lifestyle.





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Don't Wait Until a Death to "Balance the Checkbook"

By Andy Andersohn

Recently a friend died suddenly and his wife had never taken much interest in their family's financial situation. She figured that she had plenty of time to talk it over with her husband. They had briefly talked about going over their financial affairs but they never got around to it. After his death she had no clue how much insurance he had or where the IRA's and 401k's were located. The check book was even a mystery as she used a credit card for any purchases she had to make and her husband wrote out the checks and paid the bills. Several reoccurring bills were paid directly from the checking account and she didn't know the passwords to get into their on-line banking accounts.




After some study it was apparent she was not an isolated case. All too often women-and some men-leave the family finances to the other spouse. When the unexpected happens, death, disability or divorce the uninvolved spouse can be left with no clue as to the family's finances.

The problem, in most cases, would have been manageable if the spouses had discussed their finances. How to approach this can be difficult as the spouse managing the money may feel they are being criticized in their handling of the finances. The other spouse has to take some responsibility in this matter by asking questions and showing some interest. At the least women may have to know how to handle finances as many outlive their husbands, they never marry or they get divorced.

One suggestion is that the spouse who manages the money make up a folder for the other listing all the accounts, insurance policies, location of wills, and safety deposit boxes. It should be kept in a safe place and updated periodically. A listing of passwords for online accounts is also a good idea, although it should be kept separate from the listing of account numbers.

Another thought is for the managing spouse to allow the other to take a turn paying the bills and balancing the check book from time to time. Further, the family should update the family's assets, debts and other obligations at least once a year. If there are financial advisors involved both should meet with them periodically.

Now that she was alone it's still not too late to become knowledgeable in "balancing the checkbook." However, it could be a mistake trying to do everything at once. The first step is finding out what bills need to be paid and what income is available to pay them. She needs to find out what benefits continue or change after the spouse's death.




Longer term, taking one step at a time, she can study various gaps in her financial knowledge so at least she can ask the right questions and develop and weight her financial options. This way she'll become more comfortable in dealing with financial issues and is more likely to make good decisions.

Andy Andersohn is a small business owner and long time tax preparer. Learn more valuable tax planning resources for business owners and individuals. Get your FREE 11 page Tax Saving Guide. Find up to date tax articles. At our tax tips blog, discover more tax help and good ideas.

Funeral Planning is Important

By Jason Montag

None of us like to think about our loved ones passing on but the reality is that it will happen. The key is that you must be prepared for the complexities of finalizing someone’s life. There is a lot of money and planning that goes into a funeral and when we are in a depressed state is the last time we want to attempt to do it. Plan ahead and plan appropriately so that when the devastating news does come that is the only worry, not what to do about the funeral.




When planning a funeral there are a number of things to consider and it is all based off of budget. The first thing that you have to plan is where the deceased is going to be taken. The choosing of a funeral home is important since they will be paid a lot of money and they need to be trusted with the remains of your loved one. Research all facets of their business before finally deciding which one to use.

The next thing to do is to choose a casket. There are a million and one choices in the casket area which all depend on how fancy you want to go. There are caskets that are adorned with gold and other precious metals as well as the simple wooden ones. Feel free to purchase a nice one but do not spend more than you can afford since a person passing on is no reason to bankrupt yourself and make the rest of your life difficult. They would agree.

The last area of importance is the head stone. Choose a design and be happy with it since that is the easiest part. The engraving on the stone is the most important part. Think long and hard about what you want it to say since it will last forever. Involve many of the close relatives to see what they have to say. The more personal the better since this is going to be what everyone that visits the plot will read.

It is a hard thing but the more planning you do now the easier the time will be when you need it to be.

For more information about funeral planning visit http://www.makingfuneralplans.com/.

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I Will Live On

By John Roberts

I was recently looking around the internet for a funeral poem that had not already been massively overused. As I was unable to find one that expressed what I wanted to say, I decided to try and write one of my own and this is the result. I hope maybe that others may find it of some use in these difficult times.

Don’t cry for me in sadness, don’t weep for me in sorrow,
For I will live on beside you, as sure as comes tomorrow.
My body has gone but my spirit lives on, as does my love for you,
Just as in life, I’ll watch over you, I always will be true.
My blood lives on in my children, how I’ve watched them grow with pride,
I’ll live on within them, always by their side.
I know my jokes weren’t always funny and jobs weren’t always done,
Just try and remember the good times, the days when we had fun.
Reach out if you need me, for I always will be near,
Just talk to me, as if I am there, I promise I will hear.
For I’ll live on, within your mind, we’ll never be apart,
As long as you keep, my memory, deep within your heart.
So lift up your hearts, don’t be sad, my spirit hasn’t gone,
While you’re still there, so am I, I really will live on.




John Roberts is a Freelance Training Consultant /Trainer in the UK. Always open to discussion regarding training and training techniques, contact John by email. John is a prolific writer and publisher of Training and associated technical articles, as well as poetry and childrens stories. John can be contacted through his websites at http://www.jayrconsulting.co.uk

37,000 Cancer Patients will Die Without Health Insurance

By Nicole Calhoun

It is hard to imagine that living in the most prosperous and powerful country in the whole world that there are over 47 million people in the United States who have no health insurance. That translates into 1 in 10 people without health care coverage in America. Our annual cost for health coverage, per capita, is nearly double that of health care in other countries. And for that amount of money, American citizens should definitely enjoy the best health services in the world.




But, the sad truth is we don't. And what's even sadder are the statistics that abide with those who have illnesses such as cancer. Of the 560,000 people with cancer who will die from their disease, The American Cancer Society estimates that 37,000 of those people will die with no health insurance. With alarming numbers like that, what can be done? Is there really a solution?
These people have a double battle to wage. One for their physical health, and the other for their finance health. As if facing cancer wasn't hard enough, it's unimaginable having to face it without adequate health insurance. The high cost of health care has stopped many a persons from getting preventive care, which in most cases, allows doctors to catch cancer when it's most treatable, in the early stages of the disease.

How many people have gotten the door of health insurance slammed in their faces by insurance companies who tell them they are uninsurable because they have what's deemed as a pre-existing condition? I always thought that health care was for the sick, since they are the ones who need it most. Insurance companies want to insure those who are young and healthy. But what they are doing is risky, and they are risking the lives of millions of people everyday.
It's not just the destitute who are unable to afford health insurance, these days. This grisly, greedy monster is now knocking on the doors of the middle-class and even the financially fit. With the cost of health care rising by double-digits, each year, hardly anyone is able to keep up. People are paying more for their health care coverage and getting less.

Ask yourself a question. Is anyone getting spectacular health benefits on their jobs, anymore? Look at your own situation. Are your health benefits what they used to be? Or, are you like everyone else - paying more and getting less? Even if you are still receiving great benefits on your job, count your blessings because you're among the elite few.

I don't mean to be a bearer of bad news, but the trend that is now in place is suggesting that it won't last long. More and more companies and individuals are looking for alternatives to traditional health care. And the good news is, there are wonderful alternatives available.
The best I've seen are what have been termed as Consumer Driven Health Care (CDHC) plans. Like it or not, this is where the market is going, so your best bet is to embrace it for the wonder that it is.

What it is doing is putting the delivery of health care where it ought to be - back in the hands of the consumer and not the insurance company. The plans are sold at a fraction of the cost of traditional insurance plans, and the consumer gets more for their money.

If you're faced with fighting a disease as costly as cancer can be, and you find yourself without health care coverage, it would be to your advantage to investigate a CDHC. There are reputable companies out there just waiting for you to call on them.

Don't subject yourself to the rejection of health insurance companies who don't want to help you in your time of need any longer. It's time to fight back. This time, hit them where it hurts - in their pocketbooks!






Take the time to find a Consumer Driven Health Care plan that suits the needs of you and your family. I guarantee, you'll be glad that you did.

Nicole enjoys spending time with her son, Jordan and her husband, Muri. She is also very passionate about helping people with their fight against cancer, either by assisting them with their prescription costs or offering an alternative to traditional health insurance. If you would like more information about how you can receive FREE cancer meds or if you're interested in reducing your medical bills by up to 50%, please contact Nicole.
http://www.freecancermeds.com/

Asset Protection

By Peter J Nutter

It began coming into prominence in the late 1980s, with the advent and the marketing of offshore asset protection trusts. Depending on the creditor's intelligence and aggressiveness, timing, the debtor's risk-tolerance and other factors, the strategies discussed in this article may significantly tilt the economic equation in the debtor's favor. From a creditor's perspective, a successful fraudulent transfer challenge gives the creditor the legal right to pursue the transferred assets. Practitioners should keep in mind not only the underlying substantive law, but the obstacles presented to the creditor by the practical implications of asset protection planning. QPRTs are frequently used in estate planning and should be familiar to most estate planning attorneys. The focus of all asset protection planning is to remove the debtor from legal ownership of assets, while retaining the debtor's control over and beneficial enjoyment of the assets.




The debtor frequently remains in control of the entity and can defer distributions, the creditor has no way of enforcing the judgment against the debtor's LLC or limited partnership interest or the assets owned by these entities. Having a legal right to do something does not mean having the actual ability to do so, and does not mean that the pursuit of the transferred assets would be cost effective. Assets may be transferred into irrevocable trusts, sold for cash or on installment basis or encumbered. An alternative to an outright sale is the sale and leaseback of the residence to a friendly third-party on a deferred installment note. The charging order limitation limits a creditor's remedy to a lien against the distributions from the entity, without conferring on the creditor any voting or management rights. The final available alternative to protect a personal residence is by contributing the residence to a qualified personal residence trust ("QPRT").

A creditor may be able to make a successful legal argument that a given structure should not stand, and thus be able to retrieve the debtor's assets. The debtor has two asset protection choices:

(i) do nothing and stand to lose all assets when the plaintiff becomes a creditor, or
(ii) engage in some asset protection planning. Many debtors believe that simply moving money to an offshore bank account will serve as sufficient protection from creditors. Creditors do not want to play the waiting game, and would prefer to settle for a sum certain today, than wait for a possible distribution from an LLC or a limited partnership.

The three most important factors are:

(i) the identity of the creditor pursuing the client,
(ii) the nature of the assets that will be pursued by the creditor, and
(iii) the extent to which the debtor is willing to go to protect his assets. Given that the more favorable asset protection jurisdictions have a very short statute of limitation for bringing a fraudulent transfer action, require proof of intent beyond a reasonable doubt and require proof of debtor's insolvency, the creditor faces a daunting task.

If you are someone who wants real protection, a better option may be an irrevocable trust or an outright sale of the residence. A creditor's sole remedy would be to bring a fraudulent transfer action against the trustee of the foreign trust, and attempt to show that the settlement of the trust by the debtor constituted a fraudulent transfer. There is no "magic bullet" asset protection strategy; different structures are used to protect different types of assets. The specific structure best suited for each person will depend on the nature of the asset being protected. Practitioners should also consider the income tax consequences of the sale, and possible property tax consequences on the transfer of ownership. To an extent the debtor-settlor retains an interest in the trust, the trust will be deemed self-settled and will not offer the debtor any asset protection.

To find out more about Asset Protection or Asset Management please visit http://www.asset-protection.onlineoffersforyou.com/ or http://www.asset-management.onlineoffersforyou.com/