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Solutions and Security

I read the results of a recent survey by Harris Interactive ® in which it was revealed that 47% of adults in the U.S. have no life insurance, and do not know how to go about finding it. Of those who do, many are sadly underinsured. But what bothered me the most in their findings were the people who responded that while they were paying off their debts, they could not consider purchasing and life insurance.


Who do you know that has ever paid off all of their debt and have never since incurred any additional debt?

Just won’t happen.

Result? These people who want to wait to buy life insurance until they are totally debt free will never own any life insurance. Consequently, they will never have a vehicle for financial protection for their family should any emergency arise, either.

Ever heard of those people who religiously do the exact same things over and over again, really expecting a different result?

Does that not remind you of the typical management motivational philosophy of “the beatings will continue until the morale improves”? Don’t disappoint me, here. Tell me you “get it”. It should be a big “no brainer” for people in this situation. One of two things must happen. They either need to (1) spend less, or (2) earn more.

The first option usually just does not happen. No one is usually willing to spend less. That leaves “door number two”. One must find a way to earn more.

Fortunately, there seems to be a multiplicity of part-time opportunities out there these days. Anything from hourly pay/no satisfaction jobs to commission-based/self-motivated team-building opportunities. The Wall Street Journal This Morning radio program recently stated (Monday, Oct. 9, 2006) that one of the areas of greatest growth in the employment sector was in the financial services arena.

You may wish to consider, for example, the opportunities for growth in the Primerica Financial Services company. They want to open more than 20,000 offices in the U.S., alone.

There are solutions to financial challenges. But one needs to be motivated and willing to look for and actively work on those solutions that are out there, waiting to be discovered and used. You can have financial security if you are willing to do what it takes.

Bob Curtis has a bachelor's degree in Psychology, and has been writing about the elements of relationships for a number of years. He is the manager of the Essential Sunshine Association, a new website for positive relationship development at http://www.essun.blogspot.com.

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