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Archive for October, 2011

Life Success: The Difference Between Values And Goals

Whether you believe it or not we are all governed by values. Our values influence how we make decisions and effectively run our lives. Values can be instilled in us or we can choose to adopt them. Our values can change. The important thing to know is that when we have strong values, and positive values, they will be integral to our achieving what we want in this life.

Values are not goals. Goals are targets. Values are the base upon which we run our lives.

Values are how you see the world, what you see as important, what you believe.

Why are we talking about values? Because they form the base for your approach to life! Values are the bedrock of your walking the path of life. They support and drive your purpose.

When coaching clients, one of the actions that we take is to have the client articulate what his or her values are. By writing them down, it is a way to keep our values present in our lives.

Here are a few ways to go about clarifying your values:

1. Imagine you have a day to spend any way you want. What would you do? Some of the answers will give you clarity on what some of your values are.

2. Think about your sense of right and wrong. As you articulate what is right, you will become more clear on your values.

3. Consider what excites you and what motivates you. These will give you clues to values, as well.

4. Ponder about the actions that can add stability to your life. This will open up thought on what those values might be

When you write down your values, it is important to write them in the present tense. As an example, you might write one of your values as “I am financially stable” rather than “I will be financially stable.”

A great way to do all this, is to use index cards or sticky notes, because you may find that you will have many things written down. Most likely, they will work their way into natural groupings. Some people like to set a few overriding values, with supporting values.

To use the example above, an overall value could be “I am financially stable”. You might have several supporting values to this statement such as, “I pay all my bills before the due date.” “I review my insurance annually, ” “I save x percent of my income.”

Here are some areas where you might wish to state your values:

- family

- education

- morals

- community

- career

- friendships

- health

- finances

- recreation

While this may appear to be making more work than is necessary, it’s interesting to see how, by being clear on what your values are, they can influence your actions.

In a personal example, one of my values is “I explore when I travel.” On a recent speaking engagement in Oklahoma City, when I arrived at my hotel room, despite the fact that I was tired, I asked how far the Oklahoma Memorial was. When I found out it was only six blocks, I walked there, and was extremely glad that I did. It was a memorial to experience. I doubt that I would have done that, if I had not “lived” this value.

So, I urge you to take a little bit of time to become clear on what your values are. They are already there, most likely you just haven’t put them to paper. It’s nice to live them, and it’s even nicer to pass them on to those who follow you.

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Five Decades of Experience Inspires Third Generation Oklahoma Roofer, Intensifies Online Visibility

Messick Roofing, the Northeastern Oklahoma roofing contractor holds firm to the guidance of the past while forging a path into the future.

Messick Roofing, the Northeastern Oklahoma roofing contractor holds firm to the guidance of the past while forging a path into the future. In a matter of months the firm will be celebrating half a century in business at the same Tulsa location, and most locals tend to know where to find their physical location. Yet as new residents move to the area and old exposure models evolve, the business has ramped up its online presence as well as a presence in Oklahoma City.

“Although change is a constant in many factors of life, our business plan remains tried, tested and true – it just works,” said the owner Grant Golliver. “However, when it is time to adapt to the times, it is important to recognize the world around us. We are glad that with this addition we have not only retained our core values, but we have also let more folks know about them.”

Golliver is referring to his upgraded website that is allowing more residents and business owners in the Tulsa and Oklahoma City communities and surrounding areas to become aware of the specifics of his services. They include all phases of work for roofs including asphalt shingles, cedar shake shingles, metal roofing, modified bitumen, Duro-last shingles, TPO or rubber roofing and Spanish tile.

Golliver said that he is a third-generation business owner, the grandson of original owner Paul Messick, who he credits for starting out the business on “exactly the right foot.”

“Our plan is to keep doing business the same way we’ve been doing [it] for five decades,” Golliver said, “including helping families through an often confusing time in dealing with first-time property claims as well as providing warranties on our workmanship.”

Golliver said a major goal is to keep to a minimum out-of-pocket expenses for roofing damage suffered by residential and commercial property owners, adding that the business has plenty of experience in working with not only the “Big 6″ insurance companies, but also the smaller claims offices as well. He said these companies are not looking out for the best interests of his clients, which is why his firm works to make sure claims are not minimized.

“Our motivation to stay in business is simple,” Golliver said, “to keep my grandfather’s dream alive in providing Oklahoma with superior workmanship and customer service that remains second to none.”

For media information, contact Grant Golliver at 918-747-7141 www.messickroofing.com

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Oklahoma must have an Opt-Out plan

Nobody wants to disappoint President Obama on the eve of the holiday season, so all the stops are going to be removed in order to deliver a comprehensive health care bill to his desk by Christmas. White House Budget Director Peter Orszag reckons that procedural and political obstacles notwithstanding, a bill creating a new system of national health care will be ready for President Obama’s signature before the end of the year.

“We think we’re going to get this done before the end of the year. We need the Senate to move, and we need to move to conference,” he said, referring to the compromise bill that will need to be crafted and voted on by both houses before the President’s signature could make the legislation the law.

The timing is getting tight if Orszag’s speculation is to be brought to pass. As indicated above, although the House of Representatives has passed one iteration of comprehensive health care coverage, the Senate must develop, debate and pass its own version, and then the two bills must be combined into one mutually agreeable bill by a conference committee. Then that bill must be approved by both houses of the legislature. Every step on that path is pocked with pitfalls and there is as yet a substantial bloc of Senators unwilling to travel onward if the road before them still ends at the “public option” or government-funded medical insurance.

As for precisely how the money to fund this overhaul is to be raised, the scheme’s sponsors are being coy. Senate Majority Leader Harry Reid, D-Nev., is huddling daily with various groups of the bill’s proponents to come up with a foolproof game plan for convincingly demonstrating to the President the fiscal feasibility of whichever of the various models are finally adopted and are delivered to his desk. Reid and his fellows admit that the legislation, no matter what the fine points, will carry a price tag no lower than 0 billion over 10 years. The Congressional Budget Office (CBO) must have huge skirts because everybody from Senator Harry Reid to President Obama is hiding behind them lately when it comes to articulating a reliable dollars-and-cents estimate of just how many commas the final figure will have.

In the end, there is little doubt that when the CBO announces the results of its ciphering, a way to pay for the plan will have been found. In fact, to evince the inevitability of the matter, all those bound and determined to shepherd this historic and humongous health care bureaucracy through Congress and onto the already bowing backs of the American people (more specifically, onto the middle class that as usual will bear the heaviest burden) are proposing a litany of new taxes whose revenue will be spent on providing free health care to the uninsured.

In addition to the Medicare tax increase described in The New American, the latest revenue-raising idea is called the “Cadillac Tax.”

This tax would be a 40-percent excise tax on high-end, or “Cadillac” benefits, of health plans available within the new system. As yet, there has been little support for this notion, but the bill’s advocates will not be dissuaded so easily.

An old familiar source of “easy money” is being suggested by some zealots of the socialized system — capital gains on the “wealthy.” The idea is that instead of a payroll tax increase as recommended by Senator Reid’s office, the new Medicare tax would be applied to the profit made from investments, the capital gains, of those earning above an as-yet unspecified threshold income. As one might expect this early in the game, the White House has refused to confirm its support for that strategy. “We have to see the package as a whole,” Orszag told the Bloomberg News Service.

Republican Senator Olympia Snowe, R-Maine, has collaborated with Senate Finance Committee Chairman Max Baucus on a project to raise the required revenue by increasing the Medicare tax only on those objects in “health-related” areas. Given that most members of Congress are attorneys, there is sure to be unprecedented wrangling over just what is or isn’t related to health care.

If the legislature’s penchant for broad interpretation in other areas is a reliable guide, then there are sure to be very few aspects of daily life that aren’t somehow associated, no matter how tenuously, to health care. After all, most departments and agencies promulgated by Congress are justified constitutionally as being a part of “commerce,” so it isn’t a stretch to anticipate Congress will employ this skill anew in a quest to find connecting lines, no matter how faint, between any available source of money and health care.

Finally, in a tactic calculated to put capitalist gild on the collectivist lily, President Obama pointed Thursday to the results of a study conducted by the Business Roundtable, a cadre of blue chip company heads, into the monetary minutiae of health care reform. Antonio Perez, CEO of Eastman Kodak Company, speaking for the group, told news agencies that “reform done wrong won’t work and could make a bad situation much worse, in which case Business Roundtable could not support the bill.” That is not to say that they don’t think that reform can’t be done right, however. In fact, the report released last week indicates that most of these industry executives believe that many of the proposals currently being bandied about by Senators and Obama insiders could actually lower the net cost of health care per taxpayer.

Congress and the White House have pledged to cooperate with the Business Roundtable and assimilate their collected financial savvy into a legislative package that provides health care to all Americans. Never one to disregard a political bedfellow, no matter how strange, Obama repackaged the Roundtable’s findings and remarked that he interpreted the report as the country’s largest employers making it “clear the steep price that American businesses stand to pay if we fail to act.” The unvarnished truth of the matter is that no matter who ends up paying, the price will be steep and the climb to the summit will be forced.

No matter what the federal government proposes, our state must step up to the plate and have in place an Opt-Out plan that will be introduced in the next Legislative session.

This plan will be submitted in the following language form called the “Freedom of Choice in Health Care Act.

“Because all people should have the right to make decisions about their health care, no law shall be passed that restricts a person’s freedom of choice of private health care systems or private plans of any type. No law shall interfere with a person’s or entity’s right to pay directly for lawful medical services, nor shall any law impose a penalty or fine, of any type, for choosing to obtain or decline health care coverage or for participation in any particular health care system or plan.”

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Most and Least Expenses Insurance Spots AI

First, a Warning

Don’t confuse the cost of insurance alone with the cost of owning a car. Rather, paying more for insurance could actually save you a lot of money. Someone who pays a lot might have better coverage, which saves you a financial crisis if you should get into a bad collision. One of the reasons some states have such high rates is because they mandate a higher level of coverage than other states. They do this for a reason: to protect their citizens from being bankrupted by a crash. In Michigan, costs are partly so high because the state requires that medical coverage be unlimited for life, meaning that if someone is permanently disabled in a collision, the insurer could wind up paying their bills for tens of years.

Companies charge more to take on that risk, but Michigan legislators believe it is an important protection for people in their state. Louisiana has problems with its legal system that send insurance prices through the roof. Claims resolutions are simply too expensive, and it hits consumers in their premiums.

The 10 Most Expensive States and Districts

1. Louisiana (the most expensive state in the country) 2. Michigan 3. Oklahoma 4. Montana 5. California 6. South Dakota 7. Washington, D.C. 8. Georgia 9. Illinois 10. Connecticut
The 10 Most Affordable States
1. Maine (the least expensive state in the country) 2. Vermont 3. Ohio 4. Wisconsin 5. New Hampshire 6. Iowa 7. Massachusetts 8. North Carolina 9. Arizona 10. Tennessee

The Influence of Cities

Insuring a vehicle is a whole lot more expensive in big urban areas. There is more traffic, more pedestrians, and more stress – meaning a higher risk of collisions. The statistics back this up, which is why people living and working in the big city pay more for coverage. In stark contrast, rural areas are always in the lower section of costliness within states. Things tend to be cheaper in the country, because there are fewer cars and fewer opportunities for devastating collisions.

The 5 Most Expensive Cities

Detroit, MI Philadelphia, PA Newark, NJ Los Angeles, CA Hempstead, NY Other Costs to Consider As far as the expense of owning a vehicle, insurance is only one factor in the equation. You have to add in taxes, fees, the cost of depreciation, financing and interest payments, fuel costs, maintenance prices, and repair fees. These prices vary by region, state, and city. Of course, most crucially, they vary by individual situation. No matter how high the average cost of owning a vehicle in one place is, there are always some people who go about things super smartly and save a lot of money. Good credit? Loans wont’ be as expensive, and neither will coverage. Have a handyman in the family? Don’t worry so much about maintenance costs! If fuel is expensive, get an electric vehicle. People with great driving records and who pick extremely safe vehicles will save a lot on car insurance. There are hundreds of ways to go about saving money, so don’t be discouraged by state averages.

Who knows what it will cost next year?

A couple years ago, Washington, D.C. was the cheapest place to get car insurance. Politics change a bit each year, as do mandates and car insurance rates.

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House insurance Q&A

i enjoy house insurance. the deductible is 1400.00 and i take-home pay 700.00 per year. upright traffic?
Depends where you are, how big your house is, etc. Yes, it’s sound. Why don’t you think it is? the deductible is like as two years premium, don’t sound honourable to me but all insurance is a Rip stale for…

I have just dropped my High Definition projection TV..will house insurance cover it?
Just curious…obviously the insurance man isn’t open right now!! Any insurance people out there?? stage a burglary.

I live surrounded by Nova Scotia and cannot receive house insurance because my house hasn’t be insured for 3 years. Help!
My home has be uninsured for 3 years and now i am powerless to get house insurance short paying triple what i should. Does any one know of any information on how i can get home…

I live within Ma. Does anyone know where on earth I can take some house insurance that do not include a credit check?
Here in Ma, insurance companies run credit checks on those since they make a contribution you insurance. I hold horrible credit so I grasp screwed and hold to wage in the order of 00 more…

If a branch from a tree within your courtyard falls & damages your house does it issue if it fell contained by a storm or not?
This is under an average house insurance policy. Does the health or age or species or size of the tree affect the Insurance cover? No, the defacement to your house should still…

In Ontario house insurance have lapsed. How to draw from bright insurance and where on earth?
I’m assuming this is Ontario, Canada. If so, try Wawanesa Insurance, I have their policy and I cut my cost within 1/2. However, some companies do not like that you enjoy lapsed coverage. The less amount of time between lapse the…

Insurance inspection press surrounded by GA?
My lanlord had to fix some rotted wood and replace gutters within the front of the property I am renting. He said he had to replace it or he’ll lose his house insurance and it is one inspected in April. Do routine inspections of that characteristics of repair require access to…

Is insurance expensive within San Diego?
Looking to move to Cailforna .How’s the insurance out there? I don’t know if this help, but I know you’re probably talking going on for house insurance. Anyway, I lived in a different state back and my car insurance be really low, now that I enjoy been living within southern california,…

Is it better financially to cash in a mortgage life/house insurance policy second hand or direct?
You normally get a better deal second hand Try to get advicee before you do it because, depending on how long it has left to run, there may be a good and bad time to cash in .

MA state home insurance inspection!?
My house insurance has been cancelled. All I need is help to find out what I need to do to get ready for a state inspection. Can someone give me a list of things that the inspector will look for. I have a morgauge on my home if I don’t get insurance I…

My house is appraised at 93K. My insurance agent says I need 157K worth of house insurance.?
This seems high to me. He claims that the replacement value is the reason this. In the case of a complete loss, I doubt they would pay me 157K, but he disputes this. He also says that the state requires an…

What are the insurance/tax implication for making and selling items from home?
From what I have already well-read, you can make items at home on a hobby idea without making the house insurance policy invalid. I am within the process of starting up a furnishings business, although so far I have not registered the business etc and…

What is the best house insurance to buy?
My son is officially blind and deaf. He receive SSI. He is allowed to own a residence but cannot receive a lump sum when i die, or his SSI will be taken away from him. I want an insurance policy that will settle up stale the mortgage when I die….

What is the cost gamut for house insurance, contained by Austin Texas? What does it cover? What company do u reccomend?
There isn’t a range, it’s dependent on too copious things. Best thing to do is reach a deal to an agent, with your house contained by mind. Insurance in Texas is NOT the standard HO3 homeowners…

What is the definition for “unoccupied” when applied to house insurance?
I am planning to be away from home for three months at the beginning of subsequent year, but my policy says the house can be unoccupied for merely 45 days in one interval. If my sister stays for 1-2 nights contained by the middle of my…

Where do I buy house insurance in Oklahoma?
I want to insure a small house in Arnett, OK, worth about 25k, I do not have insurance at present; I am concerned with strong winds and severe weather Any Insurance company should be able to give you a Homeowners Policy. The same company you have your vehicle ins. through…

Which sports car and house insurance company is recommended surrounded by California?
And with which one you have a bad experience? Costco give some of the best rates. The service is very appropriate, too. There was this time when I couldn t start my sports car. Since it s a certain European vehicle, it couldn t be jumpstarted…

Who are the people/company to contact for property insurance contained by ipswich, uk?
if you are looking for house insurance or contents insurance in ipswich after i would try giving either the co-op a ring or norwich coalition a ring as these seem to be the best 2 around at the moment.i own used these 2 before…

Why are my house insurance estimates so high?
We’re buying our first house & our mortgage guy estimated our costs for house insurance should be 0-500. We’ve gotten two estimates & they were 0 & 5. What could be driving up the costs that none of us expected? The home was built in 1920, has wood siding, &…

Why do those not bother to purloin out house insurance?
Near where I live, near have be loads of floods, as shown on the news. Today, I saw a couple pleading poverty because their house is totally flooded. However, contained by the next breath they utter they have no house insurance, I assume they indicate contents insurance….

why dont we receive a settlement from vehicle insurance companys when we dont kind a claim?
i pay more for saloon insurance than i do for house insurance yet my coup? is worth a fraction of lblblblblblb to my house ?? well said that individual. i know all the sensible answers but it still doesn’t appear fair….

More house insurance questions please visit : InsuranceFreeFAQ.com

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