Why You Should Get Life Insurance

There are many financial investment plans out there but, life insurance can be seen as one of the most important plans. There is a myth among people that when they get older only then they need to obtain one, but, this is all so wrong. Bank deposits and other saving plans are some other investment options but insurance tops all of that. Apart from being a means to give funding for financial goals of the future, it also provides security to your loved ones in time of need. There are many valuable reasons why you must get a policy right now.

• Security- The first and the most important thing it can provide is financial security to your family after your death. None of us can see the future and there have been many cases of premature death every year. It is your responsibility and duty to make sure that your loved ones stay completely secured even in your absence. Insurance plans can give this security in various areas such as expenses for your children, as a substitution for the income which is lost with your absence.

• Help in accomplishing future goals- When you plan or decide on a goal you have to calculate how much money may be needed to fulfill that goal. An insurance policy can give the assurance in matters of funding even in the most unfortunate situations.

• Retirement Goals- Life Insurance can make sure that in every month a regular flow of income remains. When you invest in a plan regularly, a fixed income even after retirement is assured. Nobody can guarantee that one will have a longer working life surely as there are many threats and issues such as, illness and company’s burn-out rate which can happen to anyone. A person’s retirement period can possibly become as long as that person’s working period and so it is very important to compile a bulk in the working period so that the retirement period can be enjoyed in the right way. Spending on an annuity can help to achieve this.

• Tax Benefit- You get a number of tax benefits by purchasing an insurance policy such as the maturity benefits are free from tax under the Section 10(10D), and also the paid premium can be deducted while calculating your tax under the 1961 Income Tax Act.

Thus, you can see that there are so many benefits of buying a life insurance policy in giving security and also for investing and saving purposes. So, it might be a good option to think about getting one at an early age.

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Luxury Hotels Vs Budget Hotels

A hotel is defined as “an establishment that provides paid lodging on a short-term basis.” (See 1.)

In the early years of the hotel, accommodations were very basic, usually a room that has a bed, a cupboard, a small table and a washstand. These days, most rooms are equipped with modern facilities. In addition to bathrooms, there is air conditioning, a telephone, television, Wi-Fi (internet connectivity), and a mini-bar with snacks and drinks.

Hotel accommodations throughout the years have changed dramatically. There are several different types of hotels to suit almost every individual’s tastes, needs and most importantly, budget. The two main types of hotels are luxury hotels and budget hotels. Although both have similar basic amenities, these two types of hotels have significant differences:

Budget Hotels

As the name suggests, these hotels were established for people who have a small budget and therefore want to spend as little as possible. The rooms in these hotels usually have the basic facilities such as a bed and washing facilities and most of them have communal toilets. Most budget hotels are older. They are clean but not as fancy as luxury hotels. Some of these budget hotels are equipped with worn fixtures and they do not offer anything free except maybe a simple breakfast or newspaper which is sometimes included in the price that they charge.

Rates for budget hotels vary greatly depending on the location. In Los Angeles alone, budget hotels can charge anywhere from $45 to $119 per day.

Luxury Hotels

Luxury Hotels are for people who are used to lavish lifestyles. The employees at these hotels are specially trained to cater to everything that the guests need. They aim to provide their guests with all the luxuries they desire during their stay. These hotels were built in such a way that their guests’ stay is absolutely as stress free as possible. In addition to basic amenities in luxurious rooms, these hotels are usually equipped with spas that offer massages, gyms that have the latest exercise equipment, beauty centres that offer a wide range of beauty treatments, swimming pools, in house bars and restaurants and laundry service.

These services of course come with a much higher price compared to budget hotels. Other services that you can have in luxury hotels are free room service, free newspapers and even better channel selections on your television. You even get to use robes and slippers while staying in these hotels.

As with budget hotels, rates for luxury hotels vary greatly depending on the location. Luxury Hotels in London charge anywhere from 240 to 525 pound sterling per day.

There is truth in the saying “You get what you pay for.” So, for people who have the money to splurge on expensive hotel accommodations, staying in a luxury hotel would be best if they would like to have the best service that money can buy. But for people who have a limited budget but need a place to stay while they are away from home, they are better off staying at budget hotels.

For travellers who wish to get reservations way ahead of time, in the hotel of their choice, they can go online and check out the websites of different hotels all over the world.

1. http://en.wikipedia.org/wiki/Hotel

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Could Your Sedentary Lifestyle Be Contributing To Your Acid Reflux?

Could a sedentary lifestyle be a contributing factor to the upsurgence of acid reflux in our society? I typed these words into Google search: statistics about sedentary lifestyles. What I found was eye-opening and pretty darn scary!!

These were the statistics from the first article that popped up, “Sitting Disease is Taking a Toll on Your Body:”

  • 300,000 deaths occur annually due to inactivity and poor dietary habits in the United States alone.
  • 20% of all deaths of people 35 and older are attributed to a lack of physical activity.
  • 65% of Americans watch 2 or more hours of TV everyday.
  • Sedentary lifestyles are responsible for an estimated $24 billion in direct medical spending
  • Women are more likely to lead sedentary lives than men.

Shocking! And this was just the infographic!!

Could my being sedentary be a contributing factor to my acid reflux? At age 57, I am facing the sober fact that my sitting lifestyle has not served my aging digestive system. When I needed to change my habit, I grabbed antacids, acid-blockers, acid-reducers and proton inhibitor medications instead. It seemed to work for a while but invariably, the symptoms returned. And this time, with a vengeance!

Fast forward to the past few days. I’ve had a resurgence of acid reflux. Like an alcoholic does when he or she has fallen off the wagon and goes back to a Twelve Step Meeting, I went back through the treatment regimen and supplementation recommendations from my naturopathic doctor to see where I’d gone wrong. Vitamins and supplements, check. Drinking water, okay, I can add a bottle or two. Greek yogurt, hate it but I’ll buy some more and put flaxseed in it. And so on and so on.

What had not changed was the long hours sitting on my rump. From sun up to almost another sun up, for hours at a time, I am in a seated position. (Even writing this article, I’m seated on my recliner with my laptop in my lap!) My mind is constantly engaged but my body is not. So in many ways I am the poster child for the afore-mentioned article.

According to WebMD, a 10-15 minute walk throughout the day can help your digestion. It can rid you of gas, heartburn, constipation and stomach cramps reports Ameya C, a contributing writer for StyleCraze, the world’s largest website for women. The Universe is sending me–it’s sending us–a wake up call. Today is the day to make a decision. Will it be hard? Heck yes! But as someone once said to me, “When has something being hard been a good enough reason not to do it?”

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Can Exercise Actually Reduce Excessive Sweating?

If you suffer from excessive sweating, or hyperhydrosis, you probably try to avoid situations that will make you sweat even more. For example, exercise is notorious for making people sweat. But if you avoid exercise altogether, you could be missing out on benefits that will actually reduce your symptoms.

One instance where exercise can help reduce excessive sweating is when your condition is related to toxins in your body. Sweating is one way the body tries to eliminate these toxins and this is a natural process. However, this is probably little comfort if your body sweats out the toxins as you try to go about your daily life. So wouldn’t it be better to give your body a little help in getting rid of its toxins during regular exercise sessions? This way, you take the pressure of your body to sweat them out during less appropriate times.

Another occasion when exercise can improve excessive sweating symptoms is when the condition is linked to your weight. There is a connection between being overweight and an increased level of sweating. It follows then, that as you get closer to your ideal weight, you will automatically reduce symptoms of being overweight (one of which is excessive sweating). If you’re not sure if your symptoms are linked to you weight – and you are overweight – losing weight will be a healthy experiment which just might deliver the answer to your problem. (Plus you will get to enjoy all the other benefits that come with losing excess weight, such as more confidence, energy, fitness etc…)

Hyperhydrosis, or excessive sweating, occurs because of a malfunction somewhere in the body. Part of the problem can be knowing what triggers this malfunction. Whatever the cause, though, if you strive for a healthy and well-functioning body, there’s a good chance that this will effect whatever is making you sweat excessively. So, by ensuring you get regular exercise, by keeping your body fit and active, you are helping it to work more efficiently. And the better you look after our body, the better it will be at looking after you (and the less likely it is to let you down). Exercise is a great way to show your body that you care.

Another benefit of a fit and healthy body is an efficient metabolism. This can be doubly effective for sufferers of excessive sweating. Firstly, your body will burn more calories, even when resting, thus helping you to lose excess weight. Secondly, excessive sweating can be a symptom of food intolerances or nutrition issues. So, if you strengthen your digestive system, your body is better able to cope with these intolerances and thus less likely to ‘malfunction’.

Exercise is also a notorious stress-buster. So if your excessive sweating symptoms are stress-related, exercise can help to release your residual stress. This will be very beneficial for your health but also, when you deal with your stress in a positive way, you’re better placed to cope with stressful situations in the future. This should reduce any tendencies to over-react and the subsequent symptoms that occur (i.e. sweating).

There’s another great reason to make exercise part of your solution to excessive sweating – it makes you feel good! Exercise causes the brain to release endorphins into your body. These hormones make you feel happy. This is why some people get addicted to exercise – they love the endorphin rush. But also, endorphins, and being happy, are good for your health. So you get an overall boost to your well-being that has positive effects long after you finish exercising.

Finally, it is socially acceptable to get hot and sweaty during a workout. Exercise makes everyone sweat. In any gym you will see people sweating profusely – without worrying what others will think. There is even a theory that fit people sweat more than unfit people. So during exercise is one time you can stop worrying about how much you sweat. Then you can relax and know that you are improving your health, your happiness and there’s a good chance you’ll be reducing your excessive sweating problem too.

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Realty Vs Real Estate Vs Real Property

Realty and personal property terms have often been confused as to what they exactly mean. Here we will clear that right up for you. We will look at the terms personal property, realty, land, real estate, and lastly real property.

Let’s begin with personal property. Personal property also known as chattel is everything that is not real property. Example couches, TVs things of this nature. Emblements pronounced (M-blee-ments) are things like crops, apples, oranges, and berries. Emblements are also personal property. So when you go to sell your house, flip, or wholesale deal, you sell or transfer ownership by a bill of sale with personal property.

Realty.

Realty is the broad definition for land, real estate, and real property.

Land

Land is everything mother nature gave to us like whats below the ground, above the ground and the airspace. Also called subsurface (underground), surface (the dirt) and airspace. So when you buy land that’s what you get, keep in mind our government owns a lot of our air space.

Real Estate

Real estate is defined as land plus its man made improvements added to it. You know things like fences, houses, and driveways. So when you buy real estate this is what you can expect to be getting.

Real property

Real property is land, real estate, and what’s call the bundle of rights. The bundle of rights consist of five rights, the right to possess, control, enjoy, exclude, and lastly dispose. So basically you can possess, take control, enjoy, exclude others, and then dispose of your real property as you wish as long as you do not break state and federal laws.

Lastly there are two other types of property we should mention.

Fixture

Fixture is personal property which has been attached realty and by that now is considered real property. So you would ask yourself upon selling to determine value “did you attach it to make it permanent?” The exceptions to this rule are the garage door opener and door key, these are not considered fixtures.

Trade Fixtures

Trade fixtures are those fixtures installed by say a commercial tenant or can be the property of the commercial tenant.

I hope this clears up some misconceptions about personal property, realty, land and real estate and now fixtures and trade fixtures!

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Surviving Missing Futon Frame Hardware Nightmares

There seems to be quite a few of us who have owned a futon frame and ended up losing the connecting hardware at one time or another. I myself bought a futon from the retail store I worked in for a number of years back in the early 1990s when futons were all the rage. Maybe you purchased your futon in college, acquired it from a friend or maybe made the purchase for a family room. If you’re lucky to live out your life in the same house or apartment there will never be a need to move your futon except perhaps to a different room or location. Obtaining replacement futon frame hardware involves several steps approached in order to locate exactly what you need.

In the first place don’t panic just yet. Without the hardware to attach everything back together you’re in some serious trouble. However there are ways to obtain what you need. At this point we could explain the many benefits of using a small bag to contain the hardware and attach it to a part of the frame with heavy packing tape so it’s easily found. Who am I kidding though? I’ve moved mine now about three times and each time I ended up missing a bolt, a barrel nut, a nylon roller here and there. Heck, I was lucky I had all the wood components show up at each new move let alone any hardware that happened to make it as well. Besides, isn’t moving your home stressful enough without having to keep track of a small bag of metal hardware among a sea of furniture, clothing, dishes, toys and appliances?

Pursuing this further we must calmly step back and think for a moment. Yes, we’re stressed out and fuming at either our spouse or the moving company for losing the futon hardware but we need to move past that now. To be sure the futon needs our help and we’re the only ones who can do it at this point. It’s time for us to go through the steps of obtaining replacement hardware and there is a specific order in which we do this to obtain the fastest results. I would suggest the following steps to start tracking down replacement hardware as soon as possible.

First – identify your futon frame.

Having worked retail, it’s quite possibly the toughest situation when a customer comes into the store needing assistance but can’t identify the product to the salesperson or service individual when requesting parts. Granted you’re going to have to do a little research by pulling your receipt when you bought the futon from the store and identify the model or name of the futon. If you inherited the futon, found it by the side of the road or bought it at a garage sale you’re in for a tough road ahead. Fear not however as the internet can be used to help you find the design and attach a name to it for use in tracking down hardware. Be aware that there are dozens of manufacturers out there using different hardware in their frames including many that have since closed their doors. Hopefully the manufacturer of your frame is still around.

Second – speak to the retailer.

Of course if you purchased your futon frame through a local retail store it’s time to head down there and see if they can track down the hardware for your frame. Bring your receipt. If you don’t have a receipt, then bring an image of the futon frame with you. Hopefully the salesperson or service representative is knowledgeable about the products they’ve carried in the past. Best case scenario, they either can provide you with the name of the manufacturer with contact information or have the parts on hand to get you back up and running. Worst case scenario the store you purchased it from is out of business or if the store is still around they have no clue about the product anymore.

Third – search online.

Supposing we’ve hit the worse case scenario it’s time to use the web to search for the manufacturer or the name of the style of futon you have. I’d suggest using Google, Bing or Yahoo and use the name adding the word futon to the search. If you weren’t able to locate a name you’re going to have to become a very good spotter and sift through the many images of futon frames till you find one that is very close to what you have. Identify the name of the style and the manufacturer and then proceed to locate the manufacturer of the futon frame.

Fourth – speak to the manufacturer.

Assuming the retailer didn’t have parts but could identify the manufacturer for you then you at least have something to go on. Perhaps you were able to locate your frame style through the search engines. Again, search online using the websites previously discussed using the name of the manufacturer. You’ll likely get some online retail stores off of the search. Filter them out visually until you find a link for the manufacturer. Most do have websites, locate a contact phone number or email address and contact them for information on obtaining hardware. If you’re unable to locate the manufacturer’s website go ahead and contact one of the many futon stores that pop-up in the search results and email them with your issue and ask if they can either sell you hardware or point you in the right direction for finding the manufacturer in hopes of tracking down hardware.

Finally – the last resort.

If you were unable to determine the name of the futon frame or the name of the manufacturer you are indeed in a tight spot. At this point your options are limited to heading down to a hardware store and seeing if you can locate some generic parts that might get you back up and running. The problem will be in the way of connecting bolts and barrel nuts and getting the right lengths if available. I would suggest taking one of the wood arms and a stretcher rail with you to the store. Begin plugging in different bolts and nuts till you find a combination that connects correctly. You’ll also need to track down connecting pins, washers and clips for the seat and back section as well as the four nylon rollers that most futon frames use on the back rest. If you’re lucky these may still be attached to the backrest deck making your job a bit easier.

In conclusion we’ve discussed the issues presented with lost futon hardware and how to go about tracking down the hardware you need. Basically identify your frame through a receipt or spotting it online. Visit the retailer store you purchased it from and obtain parts through them if they are still open. If you purchased it privately or inherited the frame track down the manufacturer using a search engine of your choice and speak to them about ordering replacements. If you aren’t able to locate the manufacturer but have found stores online contact one of them to see if they can sell you hardware. If all else fails visit the local hardware store with your wood futon sections in hand and begin trying bolts and nuts till you find some that work. I sincerely hope you’re able to obtain the needed hardware to get your futon frame back up and running. I wish you the best of luck to you and your futon.

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Love is Not a Feeling

Love is Not a Feeling. What? You exclaim, of course, love is a feeling. I feel it in my chest, stomach and my body tingles sometimes. Yes, those are the physiological manifestations when one has the sensation of ‘falling in love.’

Falling in love and love are two different phenomena. Falling in love can be either a flash of emotions or a first step towards genuine love. “Love is misunderstood to be an emotion; it is a state of awareness, a way of being in the world, a way of seeing oneself and others.” -David R. Hawkins

Falling in love is a strong instinctive attraction to a person. If it is mutual and both people work at their relationship; one day that euphoric experience called, ‘falling in love,’ can grow into genuine love.

The falling in love phenomena is the call of one’s longing to belong, to cathect, but the object is instinctually chosen according to our ideals, dreams and etc., although one may not realize it. We usually fall in love with the person’s appearance, with the way she/he walks, the way he/she talks. Sometimes we impute to our object of love some mystic illusion, ideal qualities and the more we get to know the person the less we fall for him or her. That’s when the feeling of love disappears even faster than it appeared.

The more two persons get to know each other, the more comfortable they get; the less sharp, bright and exciting the falling in love experience is. Some couples continue their relationships and get married; some fall apart. It’s reasonable to say that more clothes in the closet and one more toothbrush in the bathroom is the end of the falling in love phase, but it also can be the beginning of genuine love.

The euphoric feelings we call ‘love’ is the emotion that accompanies the experience of cathecting. Cathecting is the process by which an object becomes important to a person. Once cathected, the object, often referred to as a ‘love object’ is invested with our energy as if it were a part of oneself, and this relationship between oneself and the invested object is called a cathexis. One’s cathexis may be fleeting and momentary. Genuine love implies commitment and exercise of wisdom. When one is concerned for someone’s spiritual and emotional growth, one knows that a lack of commitment is likely to be harmful and that commitment to that person is probably necessary for one to manifest one’s concern effectively. The concern and commitment to another’s spiritual and emotional growth is the purest form of love. It is for this reason that commitment is the cornerstone of any healthy relationship-friends, significant others, husband/wife.

Genuine love transcends the matter of cathexis. When love exists it does so with or without cathexis and with or without a loving feeling-those bursts of butterflies in the stomach, body tingling, etc.

It is easier-indeed, it is exhilarating-to love with cathexis and the euphoric feeling of love. However, it is possible to love without cathexis and without loving feelings, and it is in the fulfillment of this possibility that genuine and transcendent love is distinguished from simple cathexis. Genuine love is volitional rather than euphorically emotional. The person who truly loves does so because of ‘a decision to love.’ This person has made a commitment to ‘be loving,’ whether or not the loving feelings are present.

It can be difficult and painful to search for evidence of love in one’s actions, but because true love is an act of will that transcends ephemeral feelings of love or cathexis, it can be said, “Love is as love does.” Love and non-love, as good and evil, are objective and not purely subjective phenomena.

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Five Basic Tips for Investing in Real Estate

There are a lot of things to learn in Real Estate before you start investing. In fact, investing in Real Estate is much more complicated than the stocks investing. That is why Real Estate has become the common investing area for many people and thus have become more popular over the years. One needs to have financial and legal knowledge before investing in the Real Estate.

So, here we are providing you five basic tips which helps you to familiarize yourself with the basic concept of Real Estate.

1. Location:

Location Matters which is an old age saying perfectly suits when we think of the investing in Real Estate. The first thing you should make sure while investing in a property or proceeding forward is whether it is located in a good place or not.

If it is the best location, it can be the worst house there, but that doesn’t matter as you can just fix the issues or resell it to someone who wants a house in the best location. This is called as the Fixing and Flipping formulae by the professional Real Estate investors.

2. Wholesale properties:

Being wise is also very much important while investing. You need to follow the Warren Buffet formulae from the stock market investing which says “You need to be greedy, while everyone else is feeling fearful.” You need to look out for the wholesale properties that are being offered at great discounts and thus avoid paying full prices.

Using this technique, you can buy the property at low price and keep the selling price twice the buying price which helps you in maximizing your investment return.

3. Connect with local investors:

Hanging out with the local investors and talking with them about the local Real Estate market will help you in knowing the things better. Ask them to show their properties and take in every single bit of information they give you.

4. Reading helps a lot:

There is a tremendous amount of information available online these days. You can also gain information that you may need regarding the Property field and investing as well. Buy and read books that give you practical knowledge about buying, flipping, renting and selling the properties.

5. Find a good Realtor:

This is the best part. When you are all set and finally ready to invest in some property, then a Realtor is the person who helps you with it. And a good Realtor who understands the concept of investing returns and also have sold a number of properties can be the best choice.

Property investment can offer fabulous returns, but there are also people who are bankrupted after investing in Real Estate. It is all in your hands, so be sure and know everything involved before you invest.

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Insurance Totaled My Car – What This Means

“Your vehicle is a Total Loss.” These words, more often than not, spark immediate controversy between an insured and their insurance company. The main cause of controversy between an insurance company and an insured as it relates to total loss is that most people feel their vehicle is worth more than it really is.

A vehicle, though historically not a good investment, is very personal to us. Many of us spend a great deal of time in our vehicles each day and grow attached to our car. Many others ”trick out” their cars and inherently feel that their modifications enhance the value of the car.

I thought it might help some folks if they heard exactly how an insurance company views this and how they go about compensating you for your car should it be determined to be a totaled. There are typically two main things involved in understanding this process: What exactly is a Total Loss and how is the value of a car determined. In this article I am going to discuss and define a Total Loss from an insurance companies perspective.

So, what exactly does it mean when your insurance company deems your vehicle a total loss? In general, there are two types or measurements if you will when it comes to making this determination: Financial or Economic Total Loss and an Obvious Total Loss.

Financial or Economic Total Loss

A vehicle is often declared an Economic Total Loss when the cost of repairs exceeds the value of the vehicle, plus sales tax, less your deductible. I am sure you have heard that there is a percentage used to determine if a car is an Economic Total Loss. You have probably heard numbers from 50% to 70%, or more. This is true, however, it is important to know that not all states set an actual percentage and that for the states that do not set percentages, it is up to the insurance company to determine what that will be.

Although all insurance companies that are free to set this number themselves are all different, a common number you will hear is 70%. What exactly does that mean? I thought a quick illustration might help:

Market Value $15,000

Plus tax $ 1,050 (7% used as example)

Sub-total $16,050

Less Deductible $ 500

Total Loss Value $15,550

Cost of Repairs $11,662

Repairs are 75% of the value

In the example above, your insurance company would likely determine your vehicle to be an Economic Total Loss. One thing to remember is that if you are paid the value of your vehicle, the insurance company will retain the salvage or damaged vehicle and then sell it to a vendor. Most insurance companies have negotiated contracts with salvage buyers and will use that avenue to recoup some of the money paid out for the total loss. In the example above, your insurance provider would know that your car had a salvage value of $3,000 (example). So, when making their total loss decision, they would factor in this amount and subtract it from the total amount paid of $15,550, bringing their net cost to $12,550.

One other brief point to make that is worth noting is that your insurance carrier will also factor in estimated supplemental damages were your car to be repaired. From my experience as an adjuster and claims manager, there are often supplemental or additional damages/repairs identified once a car begins the repair process. These damages are often discovered on “tear down” or after parts of the vehicle are removed and additional damages are more visible. In many cases it is almost certain that there will be additional damages based on the visible damages, however, an adjuster will only write for what they can see and note that additional damages are likely.

Obvious Total Loss

An Obvious Total Loss or OTL is in which the damages to a vehicle are so extensive in terms of repair and/or putting the structural integrity of the vehicle at risk with a repair, that the car is determined to be an OTL. Some examples of an OTL are:

  • Fire Damage
  • Rollover
  • A theft
  • Extensive Water Damage
  • High impact front-end collision
  • T-Bone or hard hit to the side of a vehicle at the center-point

In most cases, a claims adjuster will not have the direct authority to determine a vehicle to be an OTL. The two insurance companies I worked for required a manager approval to make this call. With today’s technology, that can be done easily in the field by simply sending some detailed photos to a Claims Manager or Property Damage Manager. In this case, there isn’t a cost of repairs necessarily but the valuation process is the same.

Hopefully this helps you understand what is meant when you are told that your car is a total loss. Your insurance claims adjuster should explain all of this to you, however, having a basis understanding will certainly help should you find yourself in this situation.

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Does Enlightenment Really Improve Trading?

To the linear trader's mind there is no connection between enlightenment and trading performance. However, you couldn't be more wrong. Why? Because enlightenment increases self knowledge, the inner knowledge which goes beyond your three dimensional "reality". Inner knowledge reveals the fabric of the universe. It reveals how the rug is woven, instead of just showing you the patterns on the front of the rug.

Learning a trading system is easy

Anyone can doit. Learning about yourself is difficult. Almost nobody does it in the trading world. 95% of all traders fail in the long run because they think learning a system is all that is required.

You develop trading consistency once you see your thinking and actions BEFORE you take the action

The only way you can get to this place of EARLY recognitions is through extending what you know about yourself and bring it to your conscious awareness.

Enlightenment reveals how things are, not how YOU think they are

Traders and investors live in the illusion that they already know everything they need to know to make good trading decisions. That's why it is a big shock to them when their trades don't work out, or their lives don't work out how they think they should work out.

Usually only once they incur big account draw downs and big relationship troubles will the look where they have not looked before for solutions.

Don't wait that long

If you already knew everything there is to know about yourself and about the world and trading you would not have any trading problems. Thinking that you know everything gets you into a dangerous loop. You keep repeating the same old behaviors getting nowhere indefinitely.

The result? Frustration increases and so does dysfunctional behavior

Enlightenment is just another acronym for "deep knowledge"

To be more specific: Knowledge brings light into your body and mind in esoteric terms. We are talking about the esoteric "knowing" that goes deeper into the hidden dimensions of your being that accesses the core of reality creation. You cannot heal a festering wound by putting a band aid over it. In order to make meaningful progress quickly you have to look deeper.

Enlightenment gives you the knowledge and the tools to expose erroneous thinking at the point of creation not later when you have accumulated big losses.

Enlightened knowledge removes you a few step from yourself. It puts you in the position of observer. As an information gatherer you learn new perspectives and learn how to look at aspects of your reality you never looked at before.

From this vantage point you can begin to re-construct your reality, because you have a broader vista.

When you change the way you look at things the things you look at change

This simple strategy should be pretty obvious to anyone. Yet the reality is that most traders cannot see it. They are so married to their way of thinking that trying something that to them may appear out of the box is impossible.

If your trading lacks consistency it clearly shows lack of knowledge somewhere along the line, usually it is the knowledge of how things work inside you.

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