Friday, January 27, 2012

Satellite TV Is More Important


More families have satellite TV than life insurance, according to the latest Family Finances Report and several other 'luxuries' are prioritised above protecting the family finances in many households.

While 50% of households have satellite TV, only 40% have a life insurance policy in place. And while just 13% have cover for critical illness - which could protect the family financially if a main earner became seriously ill - 14% have mobile phone insurance.

The "lack of understanding" was to blame for many people not protecting their family with life insurance. Furthermore, many families simply don't feel comfortable about discussing their finances: only sex ranked higher on the list of topics families don't like talking about openly.

No-one likes to dwell on poor health or mortality, but by denying that illness - or worse - is even a possibility, people are stopping themselves putting measures in place to protect their loved ones. Too many people assume that someone else will step in and look after their families if they weren't there to provide for them, but the reality is very different.

Everyone has different priorities, and there's nothing wrong with spending money on a few luxuries - but families should consider what they would do if a main earner died or became seriously ill. These unfortunate situations can cause real hardship for families, but life insurance or critical illness cover could help to ensure the family can cover their costs.

Is Life Insurance Permissible


As-salamu `alaykum. Could you please help me know if it is haram to contract a life insurance and critical illness insurance plans? I am a member of a professional association that offers it to its members and I was thinking about having those plans. Jazakum Allah Khayaran.

Insurance of all kinds is controversial. In your case, it is permissible to sign this contract provided it is term life insurance. Responding to your question, Dr. Monzer Kahf, a prominent Muslim economist and counselor, stated,

Insurance of all kinds is controversial. My own belief is pioneered by a great scholar of his time (he died in July 1999) Shaikh Mustafa Az-Zarqah who was recognized as the most knowledgeable Shari’ah scholar of his time. He argued that insurance is a new contract which is permissible provided it is clean of interest and its subject-matter is permissible.

This includes life, serious illness, old age, hazards, medical, car, etc., i.e., all kinds of insurance. The late Mawdudi has similar argument too.

Accordingly, this contract in your question is permissible provided it is term life insurance because what is known as whole life policy (which includes a lump sum payment to the insured if she/he does not die during the contract). Usually life insurance issued by employers and associations are term life, but you need to check.

Source: WWW.onislam.net

Thursday, January 26, 2012

Fear Of Failure


Over the years I have seen many people think about getting rich, proclaiming affirmations, visualizing and meditating yet they don't get rich. Let's be realistic... to get ahead in the real world you have to take action.

Why is it that most people don't take action? Sometimes it is lack of knowledge, but more frequently it comes down to fear that stops people from living their dreams.
However successful people tend to act in spite of their fears. They've learned to harness their fears and use them to their advantage.

The Fear of Ridicule
You can't do much about what other people say, but you can control how you react to it. The people trying to stop you achieving your dreams have probably lost the ability to do the same. The only way they know how to build themselves up is to bring other people down. Now that is sad... but it's not your problem. No one has ever died of embarrassment, so tune out to the critics and focus on what you want to accomplish.

The Fear of Success
It is ironic that you work so hard to overcome the fear of failure and achieve success and then all of a sudden you become afraid that you won't be able to maintain your success. Yet I have seen this happen to many investors once they have grown a sizeable property portfolio.

The fear of not being worthy
Many people fail to take action because they fear they don't deserve wealth. This also stems from the "financial "programming" they received in childhood. All those negative things that some well meaning people said early in their lives. Things like "Don't be greedy". "People like us don't get rich." "What makes you think you can do that when others have failed?"

The fear of debt
Obviously the fear of debt holds some investors back, however debt shouldn't be feared. It's the inability to service the debt or repay the loans that should be feared. If you understand how to use debt wisely and if you know the difference between good and bad debt, there is nothing to fear about debt.

By the way... it is not necessary to get rid of all your fears to succeed. All rich and successful people have fears, doubts and worries; they just don't let those feelings stop them. That is the big difference: unsuccessful people also have fears, doubts and worries but they let those feelings stop them.

Wednesday, January 25, 2012

Black Tea Low Blood Pressure


People who suffer from high blood pressure may want to reach for another cup of tea. A study has found that people who drank three cups a day lowered their levels by an average of two to three points.

Australian researchers, in a study published in the Archives of Internal Medicine, observed the effects of black tea among 95 men and women and found that long-term consumption was shown to lower blood pressure in people with normal to high levels, reports WebMD.com.

For six months, half the participants drank three cups of black tea a day, while the other half were given a placebo drink that simulated the flavour and caffeine content of tea. Both groups were similar in age and weight status.

Their average systolic blood pressure (the top number in a blood pressure reading) was between 115 and 150 at the start of the study. A healthy reading falls below 120 for the top number reading and below 80 for the bottom reading.

By the end of the study, those who drank black tea had an average reduction of two to three points in their 24-hour average systolic blood pressure levels, reported WebMD.

The properties in black tea are thought to help keep endothelial cells — which line the blood vessels — healthy. Endothelial dysfunction is an early indicator of blood pressure changes. Green tea was shown to have similar effects on the same cells in a study out of Greece.

Tuesday, January 24, 2012

Failure - Beginning Of Success


Michael Jordan, the greatest basketball player ever to live missed over 9,000 shots in his career. He lost almost 300 games. 26 times he was entrusted to take the game-winning shot but missed, causing his team to lose. He failed over and over again in his life. And that is why he succeeded.
Even great people like Michael Jordan have significant moments of failure. But they never let failure derail them from their goal of winning.
So, my advice to you today: When you lose a game, miss an opportunity, or fail to execute a task, do not lose heart. You can win too – just don’t let failure derail you.

Friday, January 20, 2012

God Sent An Angel


"Watch out! You nearly broad sided that car!" My father yelled at me. "Can't you do anything right?"

Those words hurt worse than blows. I turned my head toward the elderly man in the seat beside me, daring me to challenge him. A lump rose in my throat as I averted my eyes. I wasn't prepared for another battle.

"I saw the car, Dad . Please don't yell at me when I'm driving.."

My voice was measured and steady, sounding far calmer than I really felt.

Dad glared at me, then turned away and settled back. At home I left Dad in front of the television and went outside to collect my thoughts..... dark, heavy clouds hung in the air with a promise of rain. The rumble of distant thunder seemed to echo my inner turmoil. What could I do about him?

Dad had been a lumberjack in Washington and Oregon . He had enjoyed being outdoors and had reveled in pitting his strength against the forces of nature. He had entered grueling lumberjack competitions, and had placed often. The shelves in his house were filled with trophies that
attested to his prowess.

The years marched on relentlessly. The first time he couldn't lift a heavy log, he joked about it; but later that same day I saw him outside alone, straining to lift it. He became irritable whenever anyone teased him about his advancing age, or when he couldn't do something he had done as a younger man.

Four days after his sixty-seventh birthday, he had a heart attack. An ambulance sped him to the hospital while a paramedic administered CPR to keep blood and oxygen flowing.

At the hospital, Dad was rushed into an operating room. He was lucky; he survived. But something inside Dad died. His zest for life was gone. He obstinately refused to follow doctor's orders. Suggestions and offers of help were turned aside with sarcasm and insults. The number of visitors thinned, then finally stopped altogether. Dad was left alone..

My husband, Dick, and I asked Dad to come live with us on our small farm. We hoped the fresh air and rustic atmosphere would help him adjust.

Within a week after he moved in, I regretted the invitation. It seemed nothing was satisfactory. He criticized everything I did. I became frustrated and moody. Soon I was taking my pent-up anger out on Dick. We began to bicker and argue.

Alarmed, Dick sought out our pastor and explained the situation. The clergyman set up weekly counseling appointments for us. At the close of each session he prayed, asking God to soothe Dad 's troubled mind.

But the months wore on and God was silent. Something had to be done and it was up to me to do it.

The next day I sat down with the phone book and methodically called each of the mental health clinics listed in the Yellow Pages. I explained my problem to each of the sympathetic voices that answered in vain.

Just when I was giving up hope, one of the voices suddenly exclaimed, "I just read something that might help you! Let me go get the article.."

I listened as she read. The article described a remarkable study done at a nursing home. All of the patients were under treatment for chronic depression. Yet their attitudes had improved dramatically when they were given responsibility for a dog.

I drove to the animal shelter that afternoon.. After I filled out a questionnaire, a uniformed officer led me to the kennels. The odor of disinfectant stung my nostrils as I moved down the row of pens. Each contained five to seven dogs. Long-haired dogs, curly-haired dogs, black dogs, spotted dogs all jumped up, trying to reach me.

I studied each one but rejected one after the other for various reasons too big, too small, too much hair. As I neared the last pen a dog in the shadows of the far corner struggled to his feet, walked to the front of the run and sat down. It was a pointer, one of the dog world's aristocrats. But this was a caricature of the breed.

Years had etched his face and muzzle with shades of gray. His hip bones jutted out in lopsided triangles. But it was his eyes that caught and held my attention. Calm and clear, they beheld me unwaveringly.

I pointed to the dog. "Can you tell me about him?" The officer looked, then shook his head in puzzlement. "He's a funny one. Appeared out of nowhere and sat in front of the gate. We brought him in, figuring someone would be right down to claim him. That was two weeks ago and we've heard nothing. His time is up tomorrow." He gestured helplessly.

As the words sank in I turned to the man in horror.. "You mean you're going to kill him?"

"Ma'am," he said gently, "that's our policy. We don't have room for every unclaimed dog."

I looked at the pointer again. The calm brown eyes awaited my decision. "I'll take him," I said. I drove home with the dog on the front seat beside me.. When I reached the house I honked the horn twice. I was helping my prize out of the car when Dad shuffled onto the front porch... "Ta-da! Look what I got for you, Dad !" I said excitedly.

Dad looked, then wrinkled his face in disgust. "If I had wanted a dog I would have gotten one. And I would have picked out a better specimen than that bag of bones. Keep it! I don't want it" Dad waved his arm scornfully and turned back toward the house.

Anger rose inside me. It squeezed together my throat muscles and pounded into my temples. "You'd better get used to him, Dad . He's staying!"

Dad ignored me.. "Did you hear me, Dad ?" I screamed. At those words Dad whirled angrily, his hands clenched at his sides, his eyes narrowed and blazing with hate. We stood glaring at each other like duelists, when suddenly the pointer pulled free from my grasp. He wobbled toward my dad and sat down in front of him.. Then slowly, carefully, he raised his paw..

Dad 's lower jaw trembled as he stared at the uplifted paw Confusion replaced the anger in his eyes. The pointer waited patiently. Then Dad was on his knees hugging the animal.

It was the beginning of a warm and intimate friendship. Dad named the pointer Cheyenne . Together he and Cheyenne explored the community. They spent long hours walking down dusty lanes. They spent reflective moments on the banks of streams, angling for tasty trout. They even started to attend Sunday services together, Dad sitting in a pew and Cheyenne lying quietly at is feet.

Dad and Cheyenne were inseparable throughout the next three years.. Dad 's bitterness faded, and he and Cheyenne made many friends. Then late one night I was startled to feel Cheyenne 's cold nose burrowing through our bed covers. He had never before come into our bedroom at night.. I woke Dick, put on my robe and ran into my father's room. Dad lay in his bed, his face serene. But his spirit had left quietly sometime during the night.

Two days later my shock and grief deepened when I discovered Cheyenne lying dead beside Dad 's bed. I wrapped his still form in the rag rug he had slept on. As Dick and I buried him near a favorite fishing hole, I silently thanked the dog for the help he had given me in restoring Dad 's peace of mind.

The morning of Dad 's funeral dawned overcast and dreary. This day looks like the way I feel, I thought, as I walked down the aisle to the pews reserved for family. I was surprised to see the many friends Dad and Cheyenne had made filling the church. The pastor began his eulogy. It was a tribute to both Dad and the dog who had changed his life.

And then the pastor turned to Hebrews 13:2. "Do not neglect to show hospitality to strangers, for by this some have entertained angels without knowing it."

"I've often thanked God for sending that angel," he said.

For me, the past dropped into place, completing a puzzle that I had not seen before: the sympathetic voice that had just read the right article... Cheyenne 's unexpected appearance at the animal shelter. . ...his calm acceptance and complete devotion to my father. . and the proximity of their deaths. And suddenly I understood. I knew that God had answered my prayers after all.

Life is too short for drama or petty things, so laugh hard, love truly and forgive quickly. Live While You Are Alive. Forgive now those who made you cry. You might not get a second time.

God answers our prayers in His time........not ours..

story by Catherine Worthmoore

Tuesday, January 17, 2012

Diving Into Job Interview


Here are 10 tips for making your interview a success. Just remember these things NOT to do:

I. Going after large organizations only (such as the Fortune 500).

II. Hunting all by yourself for places to visit, using ads and résumés.

III. Doing no homework on an organization before going there.

IV. Allowing the Personnel Department (or Human Resources) to interview you-their primary function is to screen you OUT.

V. Setting no time limit when you make the appointment with an organization.

VI. Letting your resume be used as the agenda for the job-interview.

VII. Talking primarily about yourself, and what benefit the job will be for you.

VIII. When answering a question of theirs, talking anywhere from two to fifteen minutes at a time.

IX. Basically approaching them as if you were a job beggar, hoping they will offer you a job, however humble.

X. Not sending a thank-you note right after the interview.

An interview is not to be thought of as marketing yourself: i.e., selling yourself to a half-interested employer. Rather, an interview is part of your research, i.e., the data-collecting process that you have been engaged in, or should have been engaged in, during your whole job-hunt.

While you are sitting there, with the employer, the question you are trying to find an answer to is: “Do I want to work here, or not?” You use the interview to find out. Only when you have concluded, Yes, do you then turn your energy toward selling yourself.

An interview is not to be thought of as a test. It’s a data-collecting process for the employer, too. They are still trying to decide if you fit. They are using the interview to find out “Do I want him or her to work here? Do they have skills, knowledge, or experience that I really need? Do they have an attitude toward work, that I am looking for? And, how will they fit in with my other employees?”

An interview is best prepared for, before you go in, by taking these three steps:

1.Research the organization or company, before going in. Go to their website if they have one, and read everything there that is “About Us.” Ask your local librarian for help in finding any news clippings or other information about the place. And finally, ask all your friends if they know anyone who ever worked there, or works there still, so you can take them to lunch or tea or Starbucks and find out any inside stories. All organizations love to be loved. If you’ve gone to all this trouble, to find out as much as possible about them, they will be flattered and impressed, believe me, because most job-hunters never go to this amount of trouble…

2.When setting up an interview, specify the time you need. Experts recommend you only ask for twenty minutes, and observe this commitment religiously. Once you’re into the interview, stay aware of the time, and don’t stay one minute longer than the twenty minutes, unless the employer begs you to-and I mean, begs. Always respond with, “I said I would only take twenty minutes of your time, and I like to honor my agreements.” This will always make a big impression on an employer!

3.As you go to the interview, keep in mind that the person-who-has-the-power-to-hire-you is sweating, too. Why? Because, the hiring-interview is not a very reliable way to choose an employee… [T]he hiring-interview is not a science. It is a very, very hazy art, done badly by most of its employer-practitioners, in spite of their own past experience, their very best intentions, and their carloads of goodwill.