5 Ways to protect the future you’ve built for your family

 

Always remember to protect the future of your family,because you are the back born to them. The moment you don't lay a good foundation for your family, either for term life insurance plan then prepare for the worst predicament for your family.

The future comprises the small, everyday that shape the kind of life you’ve envisioned for the people you love. Are you starting a family? Scrimp and save to build your dream home. Are you arriving to educate your children,unable to pay for their school fees? Struggling to pay other bills like water,hospital bills, traveling bills and even emergencies.

Just work hard for your family to have a good future for children, grandchildren even your great great grandchildren.

Put aside emergency fund. 

Setting or putting money for an emergency, it helps and protects your family from unnecessary troubles.

For example emergencies like sicknesses, accidents and other emerging issues, they don't necessarily knock at your door for preparations. Be always have the mind of setting a side small coins to Carter for emergencies.

Pay your debts. 

Avoid debt at all costs! But if you have to have debt, prioritize paying them. If you know you are fond of borrowing and you don't have any source of returning back, please avoid debt in all manners.

If you really necessary you have to borrow,just commit yourself to return back. This would help you in time of needy, an emergency or an accident. Surely ,If you borrow money or something from me and you don't return back, do you expect an assistant from me? A big No.

Paying back it gives the creditors a morale of giving to you next round.

Preserve what you built.

Don’t let uncertainties take away the things you worked hard for. For example if you had built an house or bought a car for a loan which you took either from a bank or a sacco ,make sure you protect them.

Ensure you are well protected and sorrounded by insurance companies. Because if you safeguard yourself with an insurance,it helps you to cater for what you have lost.

This term life insurance plan has three affordable variants: Short Term Cover for your loans and financial obligations; Income Protector for your family’s living expenses and your children’s education; and for smooth transfer of wealth to your heirs. 

Always be optimistic to take insurance that can be your saviour in time of difficulties.

Develop new skills.

Always try to shape your future and that of your family, by ensuring that you yearn to learn new skills of development. This can be done by volunteering, to manage a project ,to finding a mentor and attending seminars, developing new skills add value to your career and is crucial for your growth (and promotions)!

Don’t be afraid to swerve from your sweet comfort zone. Turning on and upgrading hobbies like branding,singing, baking, photography, blogging, et cetera. could mean new streams of income for you and your family. The possibilities are endless when you don’t stop learning!

 

Diversify your investments

Remember the saying “Don’t put all your eggs in one basket”? That’s investment diversification in a nutshell. Diversification is investing in different funds from different companies and industries so you don’t run the risk of losing all your money when one of your investments suffers. That way, the money you intend to grow for your family’s future needs is secure.

 Putting your money in various sectors of investment,can help you if one sector fails the other one gives a back up.

Safeguard your health. 

Health is wealth. You live in a world where, more often than not, your income directly affects your health. With money, you can opt for healthier options, and you can afford medicine or hospital expenses. You can take medical cover insurance, physical, and financial wealth. Its advisable toato have Nhif,and other health-related medical covers ,to cover for any sickness,an emergency or chronic diseases. Ensure you adhere to Covid19-related confinement.    

Securing your finances is an important aspect of your total wellbeing. Along with mental and emotional , social, and physical, managing your finances well allows you to live the joy of wellbeing. When all aspects of your finances are covered,

5 Things Never Share With Anyone by Albert Einstein

 Hello, good people there are some things that you are not supposed to share with anyone whether your friend or enemy.

 There are some things that we are not supposed have or even think to tell our friends. some secret that we do not share with anyone.

By sharing some things with someone our heart becomes lighter and we come closer to each other but there are some things that should not be told to anyone even after forgetting.

Number one

 The secret of your progress or success.

 Most of us feel good when we have succeeded in life and sometimes we feel that other people should know. At times we trust our innermost friends and share our progress not knowing that not all our friends have good heart. Others feel jealous when you have achieved a certain property. 

For example ,you can tell even your family members that you have a certain project of buying a land and they become brokers to bring you down. Not all that glitters is gold meaning never trust your friend,  instead you should have your secrets kept among your intermediate family if only they are trustworthy. Some people if you try to inform them about how you have opened a business and they make a decision of doing the same business like you and if they fail,they will lose trust in you and accuse you of not telling them the truth. So never tell anyone the secret of your success

Number two 

Don't share your problems

Sharing our problems makes us feel lighter and less burdened, but instead of solving the problems it increases.

When you tell your problem to people you are increasing the chances of creating more enemies, because your friends will run away from you. Let's talk for example the case of finance. If you talk your struggles on raising the money e.g school fees,they will think that you will borrow from them and they will look for all means to avoid you.

Instead of helping,they will talk ill of you. Try as much as possible to know whom to tell your troubles.

In fact 70 of the people are happy to hear about your problems and 10 really care.So think twice before telling someone your problems,because they may end up adding more troubles to your heart and life.

Number three

 Don't share your dreams with anyone

If you have certain dreams that you are supposed to persue in life,never ever reveal them to people. If you want to buy a car or continue with your achievements in life for example in education,just consult from professional people who can give good advise on career progression. They can make you to achieve more goals in life.

But if you go to a person who has jealous and doesn't have any dream in life,they will mislead and misguide you until you end up taking wrong choices. Their aim is to destroy and they feel bad when you progress in life.

If you have already set your goals and dreams in life, it is best to keep them to yourself.

Because sharing them can affect your point of view and your purpose and you can get caught up in it.

Always remember that we cannot get the same advice or opinion from others because every person has a different point of view.

Number four

 Don't share with anyone how much you earn up

It doesn't matter how much you earn,just keep it to yourself. Your salary may affect you directly or indirectly. The person you tell are the same people who will look for all means to bring you down. They will be borrowing money from you and if you don't give them they will even plot to kill you. They will not understand when you tell them that you don't have money because you had given out your secret on salary.

Others will borrow and they promise to return back but ,but back in their mind they had achieved what they wanted. When you try to ask them, they will even abuse you and tell you ,you have a lot of money and you want us to return the money back? That question shows an indication how jealous they are, concerning your income.

Just keep your income secretly and don't even think of showing your family members how much you have in the banks,the assets and liabilities you possess.

Number five

 Don't share your family problems with anyone

Most of the families have their own problems,which are big than yours and others small but they don't tell it out.

Sharing with strangers will never solve those problems. Instead you will be destroying your family and they will definitely know how desperate you are.

Most of the people they love to hear other people's problem and they longer stretch out an helping hand,instead of building they destroy. 

You should talk to your family members about these problems.

Sharing these issues with others only aggravates the problem and leaves in you dilemma situation not knowing what to do. 

If you have other tips don't forget to include them under comment section and don't forget to share.

https://youtu.be/238yKgbNxCk

Do These 5 Things Before Sleeping

 

 You can incubate a lot of either negative things or positive things in sleep.  

This is getting too easy, just sleeping sadhana.  

So, coming awake to an alarm bell with a sudden start is not the best way to do your life. 

How many of you find that one day morning when you get up without any reason,  you're just feeling ugly – for no reason?

If it is happening even at least two, three times a year,   if it is then you must do certain things before you go to bed; it's very, very important.  

Because unconsciously, you need to understand this,you can incubate a lot of either negative things or positive things in sleep.

Either pleasantness or unpleasantness, you can incubate very effectively uninterrupted in sleep.

You can also incubate it in the day, but there are so many interruptions, it doesn't happen very efficiently.

But if you have a tendency to go to bed in a certain way and wake up in the morning really nasty,  for simply no reason, that means you're incubating things in the night very efficiently – bad eggs.  

This is not just about psychological disturbances; it can cause major physiological problems over a period of time.

This is important that you eliminate these things from your life. So, before you go to bed in the night, there are certain things that you need to take care of.  

It's best if you're eating meat and other kinds of meals, you eat at least three to four hours before you go to bed.

The digestion is over before going to bed. Drink a certain amount of water and go to bed.You will see it gets taken care of just like this.

One simple thing can be, just a shower, always to shower before go to bed; it will make a lot of difference.  In this weather, maybe cold showers are difficult, so you go for lukewarm showers.

**Don't go for hot showers in the night; go for lukewarm showers. It makes you alert, so you will think, “Oh, I cannot sleep.”

It doesn't matter, you will sleep fifteen, twenty minutes or half an hour later,  but you will sleep better because it will take away certain things.

When you shower it is not just the dirt on the skin that you're taking away.Have you noticed, if you're very tense and anxious, whatever, just a shower you came out and feels like almost a burden has been taken away from you?

Have you not noticed this?

So, it's not just about washing the skin; a whole lot of things happen when water flows over your body.

This shower is a very rudimentary .  Because over seventy percent of your body is actually water.If you run water over it, a certain purification happens, which is beyond cleaning the skin.

One more thing if you want to do, you just light an organic oil lamp, a cotton wick, some oil, anything.

What do you use here? Normal cooking oil, linseed oil, rice bran oil or sesame oil, what do you have? 

Participants: Olive oil. Olive oil, fine.Any organic oil with the cotton wick, just burn one little lamp somewhere in the room where you sleep,  you will see these things will completely disappear.

If you can bring in a chant or there are nightly practices – yogic practices before you go to bed,sit on your bed and do this practice.

Do you know in about… if you live for about sixty years, you're…on an average most human beings are eating anywhere between 1100 to 1400 tons of food?

So that means even what you think is my body is not this.It's changing every day; new input is happening and old things are going away.  

So 1400 tons, you don't have... carry that much of weight right now.

So obviously what you have as a body right now, is just a transient amount of food and soil isn't it? Hello? 

So, what you think is mine also is not it?

It is just all the time changing.

Tonight, before you go to bed, spend at least twelve, fifteen minutes reminding yourself:you're neither this body, nor this mind.

Just lie down and just remind yourself, this body is not really you.It is mine right now for use, but it's not really me.Just… if you're not able to do it, just link it to your breath:inhalation, I'm not the body; exhalation, I'm not even the mind.

Just lie down for twelve minutes and do it till the last moment, till you fall asleep.This is something you must notice.

The way we sleep can sometimes cause psychological and physiological problems over a period of time. 

https://youtu.be/F5378Ag9EjA