Reading 15 pages of a good book and 15 minutes of positive audio a day.

How to improve your life through self education.

All of us want the best in our life. All of us have an impossible dream that we want to make possible. The question is how do we get there? We cannot just lay down and keep on dreaming, but we have to add that sizzle that only a few give. We need to take action and get through all odds, to be where we want to be. We need to be aggressive, assertive and of course we must believe that we can make it no matter what. Affirmations daily and frequently are a great vitamin for your brain.

As for me, a better life starts with self education or what I like to call personally brain washing myself to stay positive. So we must value everything we are learning from school. It is also important that even if we’re aging, we need to keep on learning. Learning is indeed a necessity. Something we can share with others, unselfishly.

So how do we keep on learning, I may suggest that reading 15 pages of a good book a day will surely help us become well educated even if we’re not in school anymore. Additionally, 15 minutes of attentively listening to a positive audio will also be a big help for us to learn things about life and ingrain them into our subconscious.

From time to time people have wondered why reading is important. There seems to be so many other things to keep us from reading. Reading is important for a variety of reasons. We will look at some of those fundamental reasons below, but it is important to realize that struggling with vital reading skills in not a sign of low intelligence. Many highly intelligent people have struggled with reading, although when properly taught, most people can learn to read easily and quickly.

Why Is Reading Important?

1. Reading is fundamental to function in today’s society. There are many adults who cannot read well enough to understand the instructions on a medicine bottle. That is a scary thought – especially for their children. Filling out applications becomes impossible without help. Reading road or warning signs is difficult. Even following a map becomes a chore. Day-to-day activities that many people take for granted become a source of frustration, anger and fear.

2. Reading is a vital skill in finding a good job. Many well-paying jobs require reading as a part of job performance. There are reports and memos which must be read and responded to. Poor reading skills increases the amount of time it takes to absorb and react in the workplace. A person is limited in what they can accomplish without good reading and comprehension skills.

3. Reading is important because it develops the mind. The mind is a muscle. It needs exercise. Understanding the written word is one way the mind grows in its ability. Teaching young children to read helps them develop their language skills. It also helps them learn to listen. Everybody wants to talk, but few can really listen. Lack of listening skills can result in major misunderstandings which can lead to job loss, marriage breakup, and other disasters – small and great. Reading helps children [and adults] focus on what someone else is communicating.

4. Why is reading important? It is how we discover new things. Books, magazines and even the Internet are great learning tools which require the ability to read and understand what is read. A person who knows how to read can educate themselves in any area of life they are interested in. We live in an age where we overflow with information, but reading is the main way to take advantage of it.

5. Reading develops the imagination. TV and computer games have their place, but they are more like amusement. Amusement comes from two words “a” [non] and “muse” [think]. Amusement is non-thinking activities. With reading, a person can go anywhere in the world…or even out of it! They can be a king, or an adventurer, or a princess, or… The possibilities are endless. Non-readers never experience these joys to the same extent.

6. In line with the above, reading develops the creative side of people. When reading to children, stop every once in awhile and ask them what they think is going to happen next. Get them thinking about the story. When it is finished, ask if they could think of a better ending or anything that would have improved it. If they really liked the story, encourage them to illustrate it with their own drawings or to make up a different story with the same characters. Get the creative juices flowing!

7. Reading is fundamental in developing a good self image. Nonreaders or poor readers often have low opinions of themselves and their abilities. Many times they feel as if the world is against them. They feel isolated [everybody else can read – which isn’t true] and behavior problems can surface. They can perform poorly in other subjects because they cannot read and understand the material and so tend to “give up.”

8. Why is reading important? Let’s keep going… Good reading skills, especially in a phonics reading program, improve spelling. As students learn to sound out letters and words, spelling comes easier. Also, reading helps to expand the vocabulary. Reading new words puts them in their mind for later use. Seeing how words are used in different contexts can give a better understanding of the word usage and definitions than the cold facts of a dictionary.

9. There is an old saying, “The pen is mightier than the sword.” Ideas written down have changed the destiny of men and nations for better or worse. The flow of ideas cannot be stopped. We need to read and research to build on the good ideas and expose the bad ideas before they bring destruction. Only by reading can we be armed in this never-ending, life-and-death struggle.

10. The fact of the power of written ideas communicated through reading is a foundational reason why some governments oppose free and honest communication. Illiterate people are easier to control and manipulate. They cannot do their own research and thinking. They must rely on what they are told and how their emotions are swayed. There is a good possibility that this is one of the main reasons phonics was removed from the schools about 100 years ago.

11. Finally, why is reading important? Reading is important because words – spoken and written – are the building blocks of life. You are, right now, the result of words that you have heard or read AND believed about yourself. What you become in the future will depend on the words you believe about yourself now. People, families, relationships, and even nations are built from words. Think about it.

Now, why did I suggest that listening to a positive audio is a good way to improve our lives and is also part of good education. I have red that listening to music can reduce chronic pain by up to 21 per cent and depression by up to 25 per cent, according to a paper in the latest UK-based Journal of Advanced Nursing. It can also make people feel more in control of their pain and less disabled by their condition.

Researchers carried out a controlled clinical trial with sixty people, dividing them into two music groups and a control group.

They found that people who listened to music for an hour every day for a week reported improved physical and psychological symptoms compared to the control group.

The participants, who had an average age of 50, were recruited from pain and chiropractic clinics in Ohio, USA. They had been suffering from a range of painful conditions, including osteoarthritis, disc problems and rheumatoid arthritis, for an average of six and a half years.

90 per cent said the pain affected more than one part of their body and 95 per cent said it was continuous. Before the music study, participants reported that their usual pain averaged just under six on a zero to ten pain scale and their worst pain exceeded nine out of ten.

“The people who took part in the music groups listened to music on a headset for an hour a day and everyone who took part, including the control group, kept a pain diary” explains nurse researcher Dr Sandra L Siedlecki from the Cleveland Clinic Foundation, Ohio.

“Forty people were assigned to the two music groups and the other 20 formed the control group.

“The first group were invited to choose their own favourite music and this included everything from pop and rock to slow and melodious tunes and nature sounds traditionally used to promote sleep or relaxation.

“The second group chose from five relaxing tapes selected by us. These featured piano, jazz, orchestra, harp and synthesizer and had been used in previous pain studies by co-author Professor Marion Good from the Frances Payne Bolton School of Nursing at Case Western Reserve University, Ohio.”

At the end of the trial:

* The music groups reported that their pain had fallen by between 12 and 21 per cent, when measured by two different pain measurement scales. The control group reported that pain increased by between one and two per cent.
* People in the music groups reported 19 to 25 per cent less depression than the control group.
* The music groups reported feeling nine to 18 per cent less disabled than those who hadn’t listened to music and said they had between five and eight per cent more power over their pain than the control group.

“Our results show that listening to music had a statistically significant effect on the two experimental groups, reducing pain, depression and disability and increasing feelings of power” says Dr Siedlecki.

“There were some small differences between the two music groups, but they both showed consistent improvements in each category when compared to the control group.

“Non-malignant pain remains a major health problem and sufferers continue to report high levels of unrelieved pain despite using medication. So anything that can provide relief is to be welcomed.”

“Listening to music has already been shown to promote a number of positive benefits and this research adds to the growing body of evidence that it has an important role to play in modern healthcare” adds co-author Professor Marion Good.

There is no reason for us to stop learning….if we want a better life!

To your ultimate success,

Cesar Ramirez

How to Earn $2000 from Selling Toothbrushes

I received this in an email so I can’t take credit.
I almost fell off my chair laughing so hard — Cesar Ramirez… [Read Closely]

HOW TO SELL TOOTHBRUSHES

The kids filed back into class Monday morning. They were very excited.
Their weekend assignment was to sell something, then give a talk on

productive salesmanship.

Little Sally led off: “I sold girl scout cookies and I made $30,” she said

proudly, “My sales approach was to appeal to the customer’s civil spirit and
I credit that approach for my obvious success.”

“Very good,” said the teacher.
Little Jenny was next:

“I sold magazines,” she said, “I made $45 and I explained to everyone that
magazines would keep them up on current events.”

“Very good, Jenny,” said the teacher..

Eventually, it was Little Greg’s turn.

The teacher held her breath …

Little Greg walked to the front of the classroom and dumped a box full of
cash on the teacher’s desk. “$2,467,” he said.

“$2,467!” cried the teacher, “What in the world were you selling?”

“Toothbrushes,” said Little Greg.

“Toothbrushes!” echoed the teacher, “How could you possibly sell enough
tooth brushes to make that much money?”

“I found the busiest corner in town,” said Little Greg, “I set up a Dip &

Chip stand and gave everybody who walked by a free sample.”

They all said the same thing, “Hey, this tastes like dog shit!”

Then I would say, “It is dog shit.  Wanna buy a toothbrush?”

I used the governmental approach of giving you something shitty for free,
and then making you pay to get the shitty taste out of your mouth.

– Author unknown.

The Value of Life Insurance. Term Life vs. Cash Value


Recently, my friend Charlie’s dad past away and left the family devastated. It happened so fast that Charlie called me to let me know the terrible news. His dad was only 51 years old and died of a sudden stroke. As I tried to consult and connect with Charlie on his loss, Charlie made it clear that his dad’s savings took a hit big time because of the funeral expenses. At this point, it clicked to me that his dad didn’t have life insurance. The value of life insurance is like the foundation to your house. If you don’t have it (even away from your job), what you put away in savings does not matter without this insurance. If something unfortunate happens, heaven forbid, for example you got hit by a car and you don’t have an insurance, you can consult http://www.tjwillmakeempay.com/Articles/Shawneeland-Kentucky-Car-Accident-Lawyer.shtml for a corresponding legal move . Most people lack a good understanding of tort but there are good resources on tort law that will let you know if you should add it to your insurance policy.

Now a days it is so important that we understand the value of getting involved with insurance companies. It helps us meets our needs in times of emergencies, and worst sudden death. I always believe that with enough understanding about the benefits of insurance, it will keep us prepared no matter what happens.

Although the insurance industry has a formula for every life circumstance, you really need to know the amount of your annual income (before Uncle Sam takes his share) and multiplies it times the number of years left until your retirement. Meaning, the first thing to do before you  choose the right type of insurance and insurance company is to know how much you can afford. So,budgeting is a must. Most American’s don’t know how to budget. I recently sat down with a great friend of mine who has been in a company called Primerica for over 11 years. He created a Financial Needs Analysis (FNA) for me and assisted me in budgeting myself. No bank has ever done that for me… No friend or family member has ever cared enough to do that for me. I’m going to guess it is because they have no clue on how to budget because this is something that wasn’t taught to them. Whether it’s a lack of education, fear of assistance, or just plain selfishness, it doesn’t really matter because those that are willing to care will always show up at the right time and will never hurt you.

So let’s figure you earn $50,000 a year and you plan to retire in 20 years, you are looking at about $1,000,000 needed for your family should you die today. However, this figure is not a true representation of their future need if you consider that your family will also be receiving Social Security benefits, an income from your spouse if not immediately, sometime in the future, and the savings you have accrued.

Keep in mind that on your death (after the tears are dried) your beneficiary will get one lump sum to pay for death benefits and to then invest the remainder so that each year, the day-to-day expenses can be met. The key here is to “invest” as this lump sum can then earn money over time for college expenses, etc. There are a number of factors to look at while you fine tune the amount you need to leave for your dependents.

Social Security

If you have been working for over ten years, your dependents are entitled to a part of your social security payments you have made while employed. If your employment is less than ten years, there may still be something in the pot for them if you die today.

The Social Security Administration helps you figure out the amount for your dependents on their website, and you can use their calculator to figure out how much will be available to your family per month. Then multiply it by twelve to figure out a yearly disbursement. Then subtract that from your yearly salary and you have a significantly lower annual need for your family.

One caveat…if you are suspicious of Social Security’s long term ability to pay your dependents, then you may want to ignore this figure.

Extra Income

Your replacement salary can also be reduced by figuring in a spouse’s paycheck. Even if your spouse is not working now, and your children will have a few years before they can be left alone while your spouse works, there will come a time when that will be possible. Figure this into your ultimate replacement salary as well. Remember that you want to provide for what your dependents will really need. The less you pay in life insurance premiums, the more you will have to invest for th eir future, and optimistically, you will be there to enjoy it.

Savings are another source of income to factor into determining how much life insurance to purchase. Take that amount and subtract it from your final total life insurance sum.

Extra Expenses

There are other expenses your demise may engender and you don’t want to forget them as you try to assess your dependents’ future needs.

Funeral expenses

It is expensive to die. Funeral costs can average over $5,000 and if your family is lavish, over $10,000. Add this figure into your final insurance disbursement.

Mortgage

If you are concerned about losing the house, we are here, we buy houses. There are life insurance policies that will pay off the mortgage upon your death. However, it might make more financial sense to just include the mortgage payments in your replacement income figure as the mortgage payoff can increase life insuranc e premiums. If you choose to give your family some peace of mind when it comes to this costly bit of real estate debt, make sure you deduct that amount from your final replacement figure, and make sure you have elmhurst real estate attorney following every step, you can also contact Jamie Hooper and ask for some assistance.

Health Insurance, etc.

Your employer may be providing health insurance for your family that may end when you do. If your family has no group health funds to tap into, the cost of health coverage may rise sharply. Be sure to include this cost in the replacement total sum.

What next?

Okay, you have that wonderful replacement figure to cover all exigencies in your family’s future, should you depart terra firma a tad early. Now what?

There are two types of life insurance: term life insurance and cash value insurance.

Term Life Insurance vs. Cash Value Insurance

Term life insurance means that you pay premiums to cover the cost of the insurance that will be disbursed upon your death. The idea is that the closer you get to retirement your coverage will diminish, as your replacement figure will lessen. Your kids are out on their own and no longer need your income to sustain them and you can more than likely drop the policy that has been renewed annually with no penalty or problem. Term life is basic and to the point. Cash value (encompassing whole, universal and variable life insurance) is not.

Cash value policies take basic term life insurance and then add a savings aspect that is tax sheltered and long term (long term meaning for your whole life!) With cash value plans, you pay for setting up a savings plan and its investment as well as the fees for your agent’s commission for doing this (not inconsiderable). To begin to make financial sense, you will need to hold onto the policy for fifteen to twenty years.

A part of your premium (comparable to the amount you would spend on term life insurance) goes to the actual life insurance. The rest of the yearly bill goes toward a cash value account and management fees. The idea was for this savings account to provide for your post retirement needs. When you die, the remainder is passed on to your beneficiaries. However, actually getting some of that money for those post retirement needs is not a slam dunk, and the amount taken out is taxed.

Your best bet is to buy the term life insurance and take what you would pay for them to invest and invest it yourself. If ever you are injured and you seek justice? george collins pa is the perfect one for you. Buying term life is a relatively simple procedure that allows you to compare apples with apples when shopping around for the best policy at the best price. Get a renewable policy and you do not have to have a physical exam each year. Get a convertible policy and you can opt for a cash value policy in the future.

Cash value policies have the advantage of being tax sheltered. There are other tax sheltered savings plans that are not as costly nor as constric ting including IRA’s, company retirement plans, etc. that enjoy lessened financial consequences if you tap into your funds for college, first-time-home down payments for example. Cash value policies proffer limited variety in the type of investment options as well. Don’t look for a shopping mall of opportunities in your plan. What cash value offers the consumer is a disciplined savings investment. But a more financially astute option would be to have an amount automatically deposited to savings or other investment accounts from your payroll check.

In closing, what I have gathered from my studies, most agents tend to sell cash value because it’s for the benefit of the agent to get more money in their pocket but less coverage for the consumer. What I recommend is to sit down with a Primerica rep and get your questions answered. They have been in the industry for over 33 years and just recently went public on April 1st, 2010 and broke away from Citi. Fortunately, I have access to the top people in the company and they have seen the ups and downs in the industry. There is no better way to get plugged in then from someone who has had success like myself with their coaching and resources. Contact me and I will get you access to that network if you are concerned about your the direction of your finances or pick yourself a best savings accounts to keep your money safe. If your mentality is, “I already have life insurance at work.” Let me ask you this, if you are no longer able to work because you are terminally ill, and you get terminated from your job, you have ZERO coverage and it’s too late for you to get life insurance. It’s better to not need it and to have then to need it and not have it. Unfortunately, things like this happen. Make sure to find a qualified attorney for playground injuries.

Remember, nothing that you make and are putting away in savings make sense unless you have a Term Life insurance. Think about your love ones and the protection of your children’s future.

See you at the top,

Cesar Ramirez
760.297.0366
[email protected]

Your honest online marketer…
Assisting one family at a time to become financially independent
by creating more entrepreneurs.

The Magic of Having Faith and How It Strengthens A Family.

I always believe that if you want something in life, you must always be willing to take all the risks to achieve the end goal. In everything we aim for in life, challenges are indeed an inevitable fact. It’s always all up to you, whether you take the challenge or move backwards, it’s definitely a character building factor.

However, in every dream, in all aspirations, you must always have plan a, b, to c. Always expect the unexpected. Based on experience, there were dreams I failed to achieve, not because I gave up, but because God (or your creator) has a better plan for me. It’s like chasing the wind…but if you do your best out of envy, not out of faith, then I’ll bet you’ll lose the battle of life.

The question is, how do we manage to keep faith despite of all the struggles we have to undergo for the sake of our dreams. I can share some ideas, and I hope it will best apply to your persona.

1) It is important to know your priorities. If not, then you can never build faith over something you are not sure of. How that is determined is up to you. The people you feel comfortable with being around taking you where you want to go.

2) Know your skills and flaws. It is necessary to know your limit, so you can make a smoother plan. “All you can do is all you can do..” — Art Williams

3) Be inspired with people who have proven their success. You’ll learn a lot from them. They will surely feed you on how to be tough in times of trial. I’ve been very successful because I made a decision to duplicate what other successful folks have done to get to where I want to be. I do not reinvent the wheel.

4) Above anything else, prayer is the key. If you do know how to ask what you really want in life specifically, then surely God (or your higher power) will guide you and will not let you fail. I realize this step could be a sensitive subject because not everyone believes in God. Whatever your belief is, realize that you must thank someone higher then you for allowing you to get where you want to be. I can honestly say there are no accidents. I believe God has taken care of me because I have had faith in him since I was very young. Our relationship is strong and I know I cannot fail with my Faith in God.

5) Believe that whether you lose or win, you will gain something good for yourself, because you did not hesitate to take the risk.

AS for me, that’s what I call faith…

Now, how does faith inside a person strengthen a family. I remember an adage, stating that: Together we stand, divided we fall. If every member of each family, will always have faith in any struggles that might come their ways, whether, financial, emotional, spiritual, or even a super typhoon, or whatever kind of catastrophe, you may think, they will never be divided in any means.

If you have faith inside you, you will never be a faultfinder, which will keep peace inside your family. You will always believe that for every mistakes there’s always room for forgiveness and improvement. If you have faith inside you, then you will always have enough patience and understanding for every situation that seems to be so complicated.

Isn’t it wonderful whenever you have faith inside you? You can feel it in your heart if you just welcome it. You can truly understand everything no matter how complicated it is. That’s what matters the most :). I have heard different stories from broken families, and they all have one thing in common, they lack faith inside their hearts. A family should remain strong no matter what, and there should be no room for breaking up.

Once you decided to have a family of your own, you must also start holding on to your faith, that no matter what happens you will never let your family be divided. Keep that in mind and in your heart. Let your faith rule your family and your loved one’s. Faith includes, sacrifice most of the time, because if you are not willing to make some sacrifices for the sake of your family, then you will never understand the true meaning of FAITH. You don’t live yourself alone, you live for your family. Keep the goal kicking, let faith strengthen your family.

You were born to WIN and condition to LOSE by your surrounding circumstances. At any point in time you can change your environment, change your habits, change your thoughts to become a winner.

Cesar Ramirez
760.297.0366

http://www.AttractedLeads.com