|
|
Brought
to you by:
|
| Zappia Insurance and Financial Group
|
|
About Our Firm:
|
Stock Market Losses?
Zappia Insurance & Financial Group is an Independent Financial and Retirement Planning Firm serving Western and Central Pennsylvania.
We have over 36 years of combined experience.
Because we are Independent, we are able to provide simply the finest solutions to your retirement problems.
UNLIKE OTHER "advisors," ALL of Our Solutions provide for the SAFETY of your principal.
|
| QUOTES from
the
Masters... |
| On Learning |
On Overcoming the Negative |
| "No
one limits your growth but you. If you want to earn more, learn more."
-– Tom Hopkins
"With
life-long education, learning becomes a renewable resource." -–
Nido Qubein
"Learning
is the beginning of wealth. Learning is the beginning of spirituality.
Searching and learning is where the miracle process all begins."
-– Jim
Rohn
"Intellectual
capital is the most valuable of all factors of production." -– Brian
Tracy
"It's
what you learn after you know it all that counts." -– John
Wooden
|
"I
keep the telephone of my mind open to peace, harmony, health, love and
abundance. Then whenever doubts, anxiety, or fear try to call me,
they keep getting a busy signal – and soon they'll forget my
number." -- Edith
Armstrong
"De-program
yourself. The news is not the news. It is the bad news. It is
deliberately
shocking. The more you accept it as the news, the more you believe that
'that's the way it is,' and the more fearful and cynical you will
become."
-- Steve Chandler
"Issue
a blanket pardon. Forgive everyone who has ever hurt you in any
way.
Forgiveness is a perfectly selfish act. It sets you free from the
past." -– Brian Tracy
|
|
Death versus
Disability
|
Is
This a Gamble You Want to Take?
|
Risk
of Disability for 3 Months or Longer versus Risk of Death
|
|
Average Duration of a Disability Lasting Over 3
Months Prior to Age 65
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
1.71 to 1
|
|
|
1.63 to 1
Disability
|
|
|
|
|
|
1.27 to 1
|
|
|
3.4
years
|
|
Death
|
|
|
2.9
years
|
2.9
years
|
|
|
2.2
years
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Age 35
|
Age 45
|
Age 55
|
|
Age 25
|
Age 35
|
Age 45
|
Age 55
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Source: Commissioners Disability Table A
According
to a study published in Health Matrix:
Journal of Law-Medicine, "half of all foreclosures have medical
causes." In addition, based on this
study of homeowners going through foreclosures, "half of all respondents
(49%) indicated that their foreclosure was caused in part by a medical problem,
including illness or injuries (32%), unmanageable medical bills (23%), lost
work due to a medical problem (27%), or caring for sick family members
(14%)."
Source: Get Sick, Get Out: The Medical Causes of Home Mortgage Foreclosure, Health Matrix: Journal of Law-Medicine, Vol.
18, No. 65, 2008 (last revised June 12, 2009)
What steps have
you taken to protect your income...your earning power...
in the event of a disability?
|
|
| MESSAGES
from
the Masters... |
SEVEN
KEYS FOR JOYFUL LIVING! by Chris Widener
Here
are some thoughts for finding and experiencing joy in your life. If
there
was one thing I could wish upon my family, friends and the readers, it
would be joy in everything they do!
Know
your purpose. Nothing will bring you joy more than knowing what it
is that you are about on this earth. Not knowing brings sadness,
wondering,
fear and lack of fulfillment. Above all, find out what your unique
purpose
is here on this earth - then fulfill it! As you do, you will experience
joy!
Live
purposefully. This is a follow up to number one. It is one thing to
know your purpose, but then you need to live according to that purpose.
This is a matter of priorities. Let your actions and schedule reflect
your
purpose. Don't react to circumstances and let them cause you to live
without
your purpose fully in sight. Living without your purpose will cause
frustration.
Living purposefully will bring you deep satisfaction and joy!
Stretch
yourself. Don't settle into the status quo. That will leave you
unfulfilled.
Always look to stretch yourself. Whatever you are doing, stretch
yourself
to do more! Stretching yourself will break the limits you have set for
yourself and will cause you to find joy in your expanded horizons!
Give
more than you take. It brings happiness to accumulate. It brings
joy
to give away. Sure, getting the car you worked hard for will bring you
a sense of satisfaction and even happiness. But it won't bring you joy.
Giving something away to the less fortunate will bring you deep,
abiding
joy.
Surprise
yourself, and others too. The words here are spontaneity and
surprise!
Every once in a while, do the unexpected. It will cause everybody to
sit
back and say, "Wow, where did that come from?" It will put a little joy
in your life, and theirs.
Indulge
yourself sometimes. Too much indulgence and you are caught in the
happiness
trap. Looking for the next purchase, celebration, etc. to bring you a
little
"happiness high." But if you will allow yourself an infrequent
indulgence
as a reward for a job well done and a life well lived, you will
appreciate
the indulgence and experience the joy of it.
Laugh
a little - no, a lot! Most people are just too serious. We need to
laugh a little - no, a lot! Learn to laugh daily, even if you have to
learn
to laugh in bad situations. This life is to be enjoyed! The next time
you
go to the movie rental store, get a comedy and let loose! Let yourself
laugh!
Joy
can be yours! Look for it, pursue it and enjoy it!
|
We
don't want to add to your e-mail clutter! If you do not enjoy
my
newsletter, just reply to this e-mail and ask to be removed or call my
office. Thanks!
The purpose
of this newsletter
is to provide information of general interest to our clients, potential
clients and other professionals. The information provided is
general
in nature and should not be considered complete information on any
product
or concept described. For more complete information, please
contact
my office at the phone number above. Published by The Virtual Assistant; © 2011 VSA, LP
|
