Miscellaneous tidbits and advice from someone who knows nothing

So I have given this lecture to a few friends but feel the need to push it out to the masses.

If you do not have life insurance outside of your employer, get it. Get it today. Do not wait to call tomorrow. Most of my friends reading this are young and have great jobs, but once you get a serious illness it is impossible to get personal insurance and if you get too ill to keep your job, you loose insurance and are left with nothing. Now there are various schools of thought on this such as investing in various ways. And I would agree property is probably the wisest way to go but the one that takes the most knowledge and research. Traditional investing in the markets would be second choice but for those without the time or knack, at least call up State Farm and make sure you have a back up plan. Once you are ill, it's too late.

I also encourage supplemental insurance. Most are familiar with Aflac. For years I had supplemental insurance with a different company but same basic concept. I lost it when I left West and never replaced it. HUGE mistake. I thought I had time. That one time payout of $50,000 for cancer would have been nice and relieved immense stress. But alas, it is what it is. There are special policies you can buy just for cancer or severe illnesses such as a heart attack, stroke, etc. Look into it. We have to do these things before we need them because once you need them, it's too late.

And finally, forgive everyone. All negativity eats at your heart and soul and does no good in the end. No one deserves forgivenes, none of us, so forgive those who you don't think deserve it either and remember, you've been forgiven when you didn't deserve it either.

Finally. Make your days purposeful. Oddly enough I've had several friends this week with relationship issues and at the root, they all have the same problem....they are afraid to get rid of the person in their life for fear they will not find someone else. One even actually said "lots of people settle, maybe I should." How sad is that? Life is too short. Never settle!!!!!! It is also terribly unfair to the other person. At the bare minimum, everyone deserves to be with someone who truly wants to be with them; not just someone is hanging out until they find someone better. And besides, when you settle, you will end up finding your soul mate down the road after you've already made a committment, and that's just sad and torturous despite all of the spiritual and christian responsibilities that are involved.

God has a plan for each of us but we have to be strong enough to walk away from the easy to have room for the wonderful. One friend said it this way "you have to create a vacuum for something to be able to fill it." I think that is true.