Tuesday, November 1, 2011

The Infinite Banking Concept

The Infinite Banking Concept is a process and not a product. It has nothing to do with investing but everything to do with financing. However, when this strategy is combined with a product that gives you control over your money, it will beat any investment system.
Consider this concept: You finance everything. This simply means that you either pay interest to someone else (bank or other financing institution) or you give up interest you could have earned otherwise.
This is why this process is so powerful. It helps you accelerate your wealth by you becoming your own banker and not giving up interest earning potential.

For more information please contact me at my email.

Read Full Article Here...

Thursday, August 25, 2011

The Spine is Not Designed for Sitting Around

A familiar argument against intelligent design is the one that is based on observations of supposed bad design in nature - inept, unintelligent or in other words nonexistent design. Interviewer Claudia Dreifus asks Harvard evolutionary biologist Daniel Lieberman. "People with bad backs often blame evolution for their pain. They say, 'My back aches because man was not meant to walk on two feet.' Are they right?" Answers Lieberman: "If that were true, natural selection would have its toll and we'd be extinct. 

What is more likely is that many people sit in chairs all day, get no exercise, and thus have weak backs. We did not evolve to sit in chairs all day." Lieberman makes the case for learning from evolution how best to care for our bodies. Of course, what he calls evolution could just as well be termed design. 

Read Full Article Here...

Thursday, August 18, 2011

Frequent Flyer Diseases

A century ago - before jet planes - it took new diseases months to travel around the world, and many pathogens probably never made it out of their isolated rural stomping grounds. But now no place is truly isolated, no matter how remote. 

We live in a world that's more connected than ever before, one where humans - and the viruses hitchhiking inside us - can circle the planet in a day. As a result, we're at greater risk from new infectious diseases than ever before. But there's an upside to our interconnectedness as well. 

Thanks to the Internet and cell phones, we can know what's happening in nearly every corner of the globe almost instantaneously - and that's a boon for epidemiology. 

Read Full Article Here...

Thursday, August 11, 2011

Coolest Images of Charleston

I have a couple of the coolest photos and pics from Charleston.  I know this site is normally about insurance but I decided to go into something that I find fascinating and that is the town I live in.  I am a sucker for history and old records.  I have a couple of old maps that are incredibly interesting.  Keep in mind that Charleston is one of the oldest cities in the country so the history behind this town goes a lot further back than insurance.

Charleston's Trademark

 This is basically Charleston's signature image.  When it was completed in '05, there was one of the best fireworks shows I've ever seen.  It lasted for over 30 minutes and it was synchronized with music and it really hit Charleston with a bang.

Arthur Ravenel Bridge

Here is another view of it.

Charleston Peninsula

I had to blow this one up big so that you could see some of the streets.  Keep in mind that the reason much of downtown floods is because it is originally marsh and wetlands.  I love old historical photos and maps like this.

Charleston Peninsula 2
You might have to click on this one to see it well. Check out the location of the Citadel and now its over near what's labeled as the Washington Race Course.  Does anyone know what this is or was?

Shem Creek

This is the creek that winds up behind my house.  It is a signature location for Mt Pleasant which is just east of Charleston.  In fact, the bridge, pictured above connects Charleston to Mt Pleasant.

Mt Pleasant
This is a picture of the sunrise in my backyard on Shem Creek.

Alhambre Hall

This is a park in Mt Pleasant that is stunning at sunset.  In the distance you can see the bridge.

Old Mt Pleasant
This is one of the only old maps I could find that actually said Mt Pleasant on it.

I normally stick to insurance but I thought this would be a neat post for a change.  Let me know your comments and if you have any other cools maps to research.  I love to discuss and find old records too so comment away.

Monday, August 8, 2011

Short Term Insurance...the Most Affordable, Lesser Known Health Insurance

When this product first came out, many thought it would flop because it didn't have all the moving parts of a major medical policy.  Short Term health insurance is no joke.  If you have just been hired, just been fired or not even employed, this is a great policy to check out. 

When one gets hired, normally there is at least a 90 day waiting period before the benefits kick in and that can be an anxious 90 days.  You might find yourself walking on eggshells or at least thinking of them until that health insurance policy kicks in. You might drive a little safer and take a few less chances until you get that insurance policy in your hands... right. 

 Well now you have a policy that can fill the gap.  it's called a Short Term Medical Policy.  This is a great policy that is so cheap.  I'm talking less than a hundred bucks a month.  There are some short falls and I will cover that shortly but I want to emphasize keeping creditable coverage until getting full benefits from the bossman.

The other reason to have Short Term medical coverage, is when leaving that job.  I speak with so many folks who say the only reason they stay at a job is because of the benefits.  Well don't!  I've always followed my heart when it comes to work and if you are not happy with what you are doing your performance will show.  Now you can quit that sucky job and keep creditable coverage until you find another job.  Granted its not gonna be the same quality but again, it fills the gap. 

And you don't have to pay those ridiculous premiums of COBRA.  These are outrageous costs to anyone who has left an employer and needs to maintain coverage.  Well look no further your fairy godmother is here and she is in the form of Short Term medical coverage... haha.

I want you to picture starting up your own business.  Now keep in mind you are doing what you love and you feel motivated and passionately inspired by your work but now you have responsibility that you've never had to think of before and that's benefits for your company.  Well to start you'd only have to insure yourself and that can easily be a short term policy becasue we all know that starting a busines there won't be a whole lot of extra cash laying around.  Then once business picks up you can move onto an individual or group policy.

Now most Short term products do not carry co-pays or drug coverage, but there are built in features that discount those services and you still have the major medical aspect if there were a major event that required emergency care or hospitalization.  We can even combine coverages to coordinate policies that pay only co-pays and drug coverage. They are also considered short term because they do not normally cover more than 2 years.

Its not that hard determining your options as long as you have a dedicated insurance agent who can advise you on you benefits.  Short Term policies aren't new, but they have sure come up a lot in the past couple of years especially when considering today prices.  So pick up the phone, or shoot an email to your local agent.  You'll be glad you did.

Friday, August 5, 2011

How to Lower Health Care Costs

So what is it actually going to take to lower health care costs?  Legislation isn't the only thing that can work.  In fact it is probably making it worse.  Health care as a whole is going to take a massive nationwide mindset change to improve our outlook for medical and healthcare expenses.

The infograph above indicates that many doctors office visits could be avoided.  The first thing people think when they are sick should be to treat themselves with OTC drugs, then treatment from a doctors office.

If those 10% of visits were avoided and managed at home, over $5 billion according to calculations from the Consumer Healthcare Products Association (CHPA) would be conserved in health spending.

Imagine the savings here if a fraction of these costs were cut.  These are the figure we should be focused on at the legislative level and not the healthcare management.  Leave the private insurance companies to their own.
Fraud and abuse alone account for over 100 billion in funds.

An entrenched system is hard to change. Hospitals currently have little incentive to keep patients healthy. On the contrary, fitter patients would mean lower volumes and smaller margins, says Michael Nugent of Navigant Consulting, an expert on ACOs. Nevertheless, the current system is clearly unsustainable.

Monday, August 1, 2011

Does Dave Ramsey’s 12 percent growth stock fund exist?

Dave Ramsey, the nationally-syndicated radio talk show host, has done a great deal of good for a great number of people. His core message – that the only reliable way to obtain financial peace is to consistently live within your means so that you can pay off your debts and accumulate savings – makes perfect sense.

I cringe, however, whenever he mentions that people should put their savings into — in his words — a good growth stock mutual fund because it will earn 12 percent annually.

Whether it is on his radio show, his website, his books or his educational programs, Dave Ramsey quotes that 12 percent figure again and again. He uses the 12 percent figure to tout the superiority of stock mutual funds over nearly every possible alternative, such as annuities and cash value life insurance products.

I investigated whether the 12 percent return that he quotes is realistic, and I found some surprising facts.

I started my research with Dave’s explanation, which is found on his website. He says, “The current average annual return from 1926, the year of the S&P’s inception, through 2010 is 11.84 percent. From 1986–2010, it’s 11.28 percent.”

These return figures include the value of reinvested dividends.

You think that would settle the issue, but let’s look deeper at three questions.a) Is that truly the S&P 500’s average return?
b) Has the average person actually achieved that return?
c) Is the past return a good indication of the future expected return?
Shockingly, the answer to each of these three questions is a resounding no.

Saturday, July 30, 2011

Benefits of a Local Agent – How to Find Them and What to Ask

Choosing individual health insurance from a local independent health insurance agent allows you to settle a deal face to face. This human aspect of purchasing insurance is quickly depleting, but you can still make use of a personable agent who can literally sit down with you and find the coverage you need. There are a number of benefits of working with a local independent health insurance agent.

Filing an insurance claim when you have a local agent is much easier as well. Even though no one imagines they will need to file a claim, it’s always a possibility. With an agent on your side, you have someone to defend your rights instead of going up against the insurance company all on your own.

Insurance coverage can be expensive, and with a local agent, you can save money. Ironically, the opposite—that working with a local agent is more expensive—is often assumed. If you find the right agent, this assumption is absolutely false, especially when you consider the personal attention you receive to secure the perfect coverage.

How to find them
  • A local independent insurance agent is what you will be seeking for the best insurance buying experience possible. Ask friends and family members who they have worked with on a local level and what their experience was like.
  • Outside your social circle, you can conduct your own research online. Check out the Alpine Agency and what they have to offer in terms of individual health insurance, guaranteed issue health insurance, Medicare supplement plans, and life insurance. Getting started with a local agent here is easy.

What to ask

  • Before you settle with one agent or another, inquire about their experience and training. If you get a negative feeling from anyone you talk to over the phone, continue your research until you find the perfect local agent for you.
  • Along with assessing the agent’s credentials, you need to find out more about the coverage you can receive when choosing individual health insurance plans. Ask about your right to choose your own doctor or hospital, how specialist referrals work, what the exclusions are, specific benefits of one plan over another, and of course what the premiums, deductibles, and co-payments will be.

Friday, July 29, 2011

Health Insurers Need to Improve Customer Relationships to Compete

Nearly 50 percent of health customers are willing to pay more for quality customer service -- a factor U.S. health insurers need to address to effectively compete for new clients -- according to a new survey from Accenture.

Accenture conducted a survey of 1,000 insured individuals to assess the impact of customer service on consumer preferences and found that nearly 80 percent expect customer services to be easier, more convenient.

Thursday, July 28, 2011

8 Toughest Retirement Decisions

For past generations, planning for retirement was a relatively simple process. When someone reached retirement age, they threw a party, turned the job over to someone else and went home to live on their company pension. Retirement planning nowadays is a radically different proposition that involves asset allocation, retirement plan rollovers, transfers and distributions and a series of life choices. There are several tough decisions that most people must make when they stop working. The most difficult of these choices includes:  
1. When to Retire
Those who are willing to work a few more years can usually enjoy a considerably better standard of living than those who retire early. But deciding when to retire can also be complicated by the possibility of layoff, early retirement incentive packages, personal health and other factors. 

Tuesday, July 26, 2011

Chimp Brain Bigger Than Humans?

Unlike the brain of our closest living relatives, the chimpanzees, particular parts of our human brain shrink in volume as we age, probably as an evolutionary consequence of our longer lifespan, suggest US researchers who report how they used MRI scans of chimps' brains to arrive at their findings in an early online issue of the Proceedings of the National Academy of Sciences published on 25 July 2011. 

Read full story here...

Friday, July 15, 2011

Retirees Need Less Stocks, More Annuities

*This article can also be accessed if you copy and paste the entire address below into your web browser.

Posted via email from bnice's posterous

What is Short Term Health Insurance?

I know this guy Stephen and he just started a new job that offers health benefits to its employees, but not for the first 60 days.  He looked into COBRA from his previous job, but it was way too expensive.

This is where Short Term health insurance fits best.  It also works well for college students, and kids who can't get coverage on their own.  This policy offers catastrophic coverage for people temporarily without coverage.  He can get coverage for 30, 60, 90, or 120 days.  

This is a completely paperless process.  Your application and enrollment materials will all be sent and received electronically.

It is also considered creditable coverage so it bridges the gap perfectly for group plans.  Plans start at $20

Wednesday, July 13, 2011

Women and Health

More than any other demographic, women seem to have slipped through the cracks of the health care system. One in five women is currently uninsured; another 15 percent are on federal assistance programs. Historically, this has been in part due to gender rating, a common practice in which insurers charge women more than men for the same policy — sometimes by as much as 50 percent.
Fortunately, systems such as these are starting to be outlawed and women stand to gain more affordable access to care.
Read Full Article Here

New Baby... Buy Insurance

You’ve just had your first baby boy. Or maybe it was a little girl. Either way, congratulations. You don’t need us to tell you that life is going to change, and change quickly. You’ve no doubt already become accustomed to the idea of sleepless nights, midnight feedings, dirty diapers, and all of that kind of stuff. But what you may not have thought about with the birth of your baby is term life insurance.
But, you should. After all, there’s someone depending on you and your income now. If you haven’t already scheduled an appointment with your insurance agent, do so. You’ll want to adjust the amount of your term life insurance. And if you don’t have any life insurance yet, you’ll want to invest in some immediately.
Think about it. That little guy is totally dependant on your income. If you were to die today, what would happen? Who would pay for:
  • Diapers
  • Food (18-20 some years’ worth of groceries is a lot)
  • Health Insurance
  • College Tuition
Of course, there are a lot more expenses that junior will have growing up, but our purpose here is just to get you thinking about it. Even if your spouse has an income as well, chances are that it won’t be enough to cover your child’s expenses. These days, the average in state tuition is almost $8,000. And if, by chance, your little guy grows up to be a scholar, Harvard and Yale are much, much more expensive.
We know, your little guy is probably going to get a football scholarship anyway. You can already see that killer instinct in his eyes when he screams and reaches for that rattle. But on the off chance that he might need a little help paying for college, you might want to consider putting aside some savings for him and investing in term life insurance, just in case the unthinkable happens.
And while you’re at it, consider taking out some life insurance on your baby. We know, no one wants to think about their baby dying, but in the unlikely event it happens, you definitely don’t want to worry about where the money for final expenses is coming from. Besides, buying life insurance on him now guarantees that he’ll be able to get life insurance himself later, even if he has health issues.

Tuesday, July 12, 2011

Not all Bacteria is Bad

In today's world, it's all about making sure we are clean and take every precaution to ensure our health.  Have you ever thought that the "germs" could help?  What if I told you germs help fight against cancer?  Or could help oppose bad breath, or are the reason allergies are more common today than ever.  Take a look at this article and don't discount bacteria.

Tuesday, March 29, 2011

The Harder I Work the Luckier I Get

Here is a good read from the Donald.

Read article
PS. do you think he really has a chance at president?

Monday, March 21, 2011

Health Reform Will Be Repealed

Presidential hopeful Newt Gingrich predicts the Health Reform Law will be repealed in a statement made today at a press conference.

Posted via email from bnice's posterous

Monday, February 28, 2011

Health Costs Around the World

Interesting find on the costs of Health Care around the world.  All I want to know is why is it so high here?

Posted via email from bnice's posterous

Monday, February 14, 2011

Blog for Dad's

I am pretty m a blog junkie at this point.  I mean, newspapers are so old fashioned.  And TV news is biased one way or the other.  I find blogs to be more unique and purist in nature, for the most part.  I have only been on the blog bus for a little over a year now so I'm not an expert by any means but I wanted to give you a taste of what I have been checking in on over the last few months.

Man of the House
This little nugget, (I shouldn't say little) is a very nice blog.  Easy reading for dad's and stuffed full of useful tidbits.  There's no pressure to buy anything and it seems so very genuine, like a real person.

Infinite Banking Concept
Tom McFie is throughly versed in his craft and delivers a common sense approach to this topic.  This blog leaves the nuts a bolts and teaches with parable like stories.

Christian Business Daily
I can't tell you how many times I've read this blog and it's stories have been so relevant to what is going on in my world.  My faith and business have both benefited from this one.

Blogs are like desktop wallpapers at times.  You take the time to load them but after a while they can get stale.   I have found these 3 to stay fresh and continue to enjoy them.  I hope you do too.

Monday, January 24, 2011

11 Reason's to Consider Whole Life for Retirement Vehicle

Continuing on my Infinite Banking theme as of late, I wanted to give a more complete benefits list why to choose a Participating Whole Life policy rather that the meager 401k or mutual fund.  The benefits seem to keep adding up as 401k's are going the route of the dinosaur.

1.  It builds liquid cash reserve of safe money.  Generally, it can be accessed within 5-10 business days.
2.  Cash Value Life Insurance guarantees your investment principle.
3.  You can put as much money as you want -- limited only by the size of the whole life policy -- which you can make as large as you need.  Not so with qualified plans.
4.  All of the money you put into the cash value life insurance policy builds tax deferred.  You avoid paying income taxes every year, so your money grows faster.
5.  You can borrow the money from the policy tax free, without having to qualify for the loan and without contractual withdrawal penalties.
6.  There are no early withdrawal penalties from the federal government.  Not so with qualified plans or annuities.
7.  Loans against the policy come from the general assets of the insurance company, and not from the policy cash value!  In many cases, you can actually earn more on your money than the loan is costing you.
8.  The policy is self-completing, because you have a disability waiver of premium rider that will continue to put the money in for you if you ever become disabled.  Only life insurance offers this unique benefit.
9.  Life insurance provides a death benefit that gives your family the money you intended to save in the event you can't be there.
10.  In most states, life insurance is not attachable by creditors.
11.  Life insurance cash values don't count as an asset when applying for college financial aid.

Friday, January 21, 2011

Retiring the 401k; Now What?

So this video was posted a while ago (I think over a year ago), but it reinforces what I have said about the myth that 401k's are the norm.  When planning for retirement one should not rely heavily on this type of strategy.  The idea is to find a vehicle that can save as well as invest while exposing it to risks or taxes.  

One such idea is the Infinite Banking Strategy.  Why not take the time to learn more about this and ask me how it works.  This idea is really worth looking into.  You know that bright idea moment, yeah its happening now. 

I can show you how to implement this system. Contact me for more info.

Posted via email from bnice's posterous

Thursday, January 20, 2011

Microsoft VP creates perfume that smells like money - Holy Kaw

Take a big whiff of that crunched-up dollar bill sitting in your pocket. To you, it probably smells like fecal remnants, the sweat of a stripper, and pocket lint, but to Microsoft vice president of sales Patrick McCarthy, it smells like success.

McCarthy used his downtime away from the Microsoft offices to create his-and-her fragrances that smell like cash fresh out of the ATM. The Chicago-based businessman says he came up with the million-dollar (or couple thousand dollar) idea after reading about a Japanese study that found the smell of money made workers more productive.

Wondering what money smells like exactly? According to a press release, the men’s scent, His Money Cologne, fuses “the woody aroma of newly printed money with a bold fusion of fresh ocean breezes, and bright citrus notes joined by rosemary, grass, and precious woods.”

Not to be outdone, the ladies’ version boasts “the clean scent of freshly minted bills. Vibrant pink grapefruit and mandarin give it a citrus kick that’s enhanced by freesia, passionfruit, Hawaiian wedding flower and a soft hint of melon.”

Each bottle of Money will set you back $35. The cheaper option? Rub a Washington on your face, or a Lincoln, if you’re fancy.

Full story at AOL News.

Oodles of oddities.

I guess you really gotta love money for this one

Posted via email from bnice's posterous

Wednesday, January 19, 2011

Census Results

A new report identifies 6 demographic shifts happening in the US.

1.  South-shifting population: More than half of the nation’s population growth during the past decade (51.4 percent) occurred in Southern states, driven in part by an in-migration of an estimated 2.3 million newcomers from nearly all demographic groups – blacks, Hispanics, the elderly and the foreign born – and high fertility rates among some, particularly Hispanics.

2.  More grandparent-headed households: The number of children living in grandparent-headed households increased by 26.1 percent between 2001 and 2010, compared to 3.8 percent for all U.S. household types. One or both parents also live in about two-thirds of the grandparent-headed households.

Read the full story here...

Monday, January 17, 2011

What is Infinite Banking?

Hi there everyone. Recently I've had a lot of folks asking about The Infinite Banking System and what it is and how it works. Your Banking System is an idea that champions the saving and investment theory. Throughout our financial education we are programmed to think why certain vehicles are the smart for these objectives. Well in this post, I will give you the brief overview of the program and try to dissect it from a newbie's perspective.

To start, let's take the typical retirement plan and focus on what its intent is.  A 401k or mutual fund is designed to save money and let it grow, or so we are accustomed to believing.  When you deposit money into this fund, you expect it to grow at rate of about 6-12% and when you retire, hope that it will have grown enough to provide for yourself a nice nest egg to live on.  There are 3 problems with this:

1.  Taxes- Most retirement accounts tax 1 of 2 ways.  At the time of deposit or at the time of withdrawal.  Either way it is taxed.

2.  Access- Once the money is deposited, there is limited access to that cash i.e. rollovers, money down for home purchase, medical emergencies etc.  If it is withdrawn and doesn't qualify it could come with a penalty.

3.  Risk- These funds are subject to the market and contrary to what some would like to think, it goes down as often as it goes up.

These are three very real issues and The Infinite Banking System solves them all.

Permanent Whole Life Insurance
Let me introduce a very old product that has been around for over 100 years that few know much about but has many great features. One feature is that the policy holder is the sole owner of the policy.  This means that first priority is given to the owner before the insurance company, the government or even the insured.

Example: (True example) I am the owner of a policy that insures my wife.  I pay the premiums and in the unfortunate event that she passes away, the beneficiary (me) and contingent beneficiary (my daughter) will receive the death benefit. I also have dibs on all cash values.

A Whole Life Insurance policy is a contract that no government can touch and no insurance company can void.

Let's look at how whole life insurance can avoid the 3 problems I mentioned earlier.

1.  Taxes- The government cannot tax earnings from cash values and dividends paid on whole life policies unless they are considered MEC (Modified Endowment Contracts).  There are certain situations where whole life insurance will become a MEC and you should speak with a agent who is well trained before this happens.

2.  Access- You may access your cash value in your policy at any time with no penalties throughout the life of the policy.  Unlike 401k's.

3.  Risk- The company I write policies through performs around 5% returns every year and has paid dividends every year since there existence beginning in 1904.  When you reinvest the dividends it performs even better.

*This is why Whole Life is a better option than 401k's and mutual funds and we haven't even started on the Infinite Banking part yet.

Where does the Banking part come in?
You must have an entrusted agent to make sure your Whole Life policy is set up correctly and when you do at least 55% of every dollar paid in premiums should be available to you through cash values.  So if you pay $300 in premiums $165 is available for you to take out.

Now this is where you have to treat your policy like a bank and not an insurance policy.  Take the $165 out, but Pay It Back!

When you go to a bank to borrow money, they make money by charging you interest.  Wouldn't it make sense to charge yourself the interest instead of giving it to the bank?

The policy performs so much better not only when you pay yourself back the loan, but its golden when paid back with interest!  I don't have the illustrations to show you but there is a wealth of info at www.infinitebanking.org.  Nelson Nash is the creator of this process and his book details all of the illustrations there.

Just think of all the things you finance throughout your life; cars, houses, boats, clothes, vacations, gifts and the list goes on and on.  An average American spends 34.5 % of their income in interest through their life. This process if funded and set up correctly could even one day finance your house.  And you know how much interest you spend on a mortgage (nearly the same amount as the actual price of the house!)

Well there you have it. I wanted to give you the basic rundown of what Infinite Banking is.  When you see the benefits of whole life over mutual funds coupled with The Infinite Banking System, this process can change your entire family tree by showing your loved ones how to save and invest properly. It's not only an insurance policy, but a total new approach to saving and investing.

Contact me to get more info on how to start your own Infinite Banking System!
Ask me for free a copy of Nelson Nash's book, "Becoming Your Own Banker".

Friday, January 7, 2011

Why I Sell Health Insurance

I first became an entrepreneur in 2003.  I answered an ad in the paper for a job that I thought was a regular 40 hours a week, benefits, and vacation.  Little did I know that was in for a ride of a life.  That company turned out to be a direct marketing firm for health products and I soon began my journey into the realm of the unknown.

I left Charleston and traveled with this company (which shall remain nameless) for 2 years to places like Savannah, Jacksonville, Daytona, Tampa and Oklahoma City.  It was truly an incredible time in my life.  My income never caught up with my hopes but the lessons in sales, marketing and insight into my own determination and capitalism shed new light into my dreams.

I returned to Charleston, in need of a new opportunity but filled with optimism and hope.  The door opened for a career in Real Estate.  Little had I known that this was a flourishing industry with many types of motivations and personalities.  I never understood wearing shorts to the office LOL!  My ingenuity thrived and my paychecks swelled as my true heart for helping my friends and acquaintances realize their dream of home ownership.  But the market didn't boom forever and I soon found myself with many a client, but no one to lend him money or to buy his house.

Nevertheless my heart yearned to help people in a manner that called for professionalism and wisdom. You guessed it, back to the want ads and here I find myself cramming for of all things a health and life insurance license.  The firm that recruited me really cracked the whip and I must say that my motivation was at the brink.  My director pushed the envelope to the point that I didn't feel I was helping folks, but rather, encouraging them to help me.

So here I find myself.  I never sought the Alpine Agency for employment but instead for insurance for my newborn daughter.  I guess it worked out though.  I am delightfully busy and couldn't ask for a better and more convenient brokerage.

Here my attributes shine and talents are unleashed and every person that I have had the privilege to meet truly makes me a better person and agent.  I've found a new product or two, and industry, but the service and professional relations are true.

I guess what it boils down to is, if you really want to succeed, you have to help someone in need.  Catchy huh, I just made that up, but it fits.

Monday, January 3, 2011


I have to say that tossing the frisbee is one of my favorite recreational activities.  I used to be an Ultimate Frisbee fanatic.  I would play sometimes 5 times a week.  Since I have started a family though, it has been hard to find the time.  Not to mention that running like that will take its toll on a body.

Glory Days

Tossing the frisbee with family and friends over the holiday's sure brought back memories.  I can still hold my own.

I have recently found a website dedicated to those who love this pastime as much as I do.  It is http://www.discgolfstation.com/.

You can get ultimate frisbee's, disc golf gear and many more accessories.  Check it out.