Reduce Financial Stress With Funeral Insurance

Funeral insurance provides a lump sum of cash paid to your family or nominated person to cover the expenses of funeral costs in the event of your death. It is designed to reduce your family’s financial burden at an emotional time. A death in the family is a painful and difficult time, the stress of this situation is often magnified by the financial pressure to cover the costs of a funeral as you deal with the loss of a loved one.

Funeral insurance works in the same way as many of your other insurance policies, you have to decide how much your family will need to cover your funeral, i.e. $6000, $8000, $10,000 etc. and pay your insurer a monthly or annual premium. The nominated beneficiary will receive the money upon your death and will use it for your funeral.

Regardless of your age or health the insurance plans offered can be paid in a single premium or spread over 3, 5 or 10 year period and when the time comes to make the claim your fund will be available quickly. Most of the claims are paid within 24 hours after the necessary documentation is received.

What does funeral insurance cover?

It provides up to $40,000 for funeral related expenses. For coverage of $20,000 or more you will receive a 10% premium discount, you will be covered worldwide 24 hours a day 365 days a year. You will get peace of mind and the level of the coverage will also increase each year in line with inflation.

Benefits provided by funeral insurance:

Guaranteed level premiums that will never go up.

You can save up to 25% over the life of the policy.

Quick funeral covers payout.

Lower premiums.

Flexible cover with your choice of payout.

Funeral insurance offers one way to plan ahead and cover funeral costs. Different plans cover different costs, some will cover things such as burial fees, grave digging fees or cremation costs, while other plans offer tiered levels of cover. Most of the policies do not cover all of this so it is important to read the small print carefully before buying.

The cost of funeral insurance is based on the level of cover you choose, your gender and age also matters.

Applying online for insurance is beneficial as it is easy to apply, you have to fill a form to get free quotes and side by side you can compare the policies too.

Ensuring your family does not suffer from financial crises of your death is a good idea, but consumers should be very careful before signing up for funeral insurance other pre-paid funeral plans. The investigation has found out:

Under some funeral insurance plans you end up paying more premiums than the value of the coverage.

Prepaid funerals or funeral bonds and life insurance are more cost effective options for covering your funeral costs.

So before applying read the given instructions, terms and conditions of the policy carefully before signing it and also make sure that the beneficiary you are choosing is trustworthy.

Get funeral insurance today and live a stress free life.

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When You Learn, Teach – 7 Strategies to Help Create Teachable Moments

“When you learn, teach.” Maya Angelou

This was a tough parenting week. This week presented challenges as a parent where the lesson learned will eventually come to the children, and certainly has been learned by the parent, but it is too soon for it to take root. However the questions that manifested from the ashes of the challenges have been something to really ponder and discuss to conclusion. The most powerful question to come out of this tough challenge in parenting has been, “How can we as parents, as adults, as grown-ups recognize a teachable moment for the sake of our children?

Don’t get me wrong, sometimes our kids or our neighbor’s kids push our buttons and we blank out on the fact that they are children in need of learning all kinds of lessons. Somehow we just react instead of taking a much needed deep breath before we speak. Knee-jerk reactions are normal but not always wise.

“[Kids] don’t remember what you try to teach them. They remember what you are.”
Jim Henson, It’s Not Easy Being Green: And Other Things to Consider

My youngest son encountered hate this week from his football coach. The story is actually not relevant. The questions come from how the coach handled a teaching moment or in this case didn’t handle a teaching moment. The coach got in my son’s face, the coach used adjectives and voice tone and body language that did not demonstrate good communication skills but instead demonstrated an abuse of his position as an authority figure, as a coach and as one of his classroom teachers. His actions were full of hate, anger, frustration and just plain poison. Where does the line get drawn for an adult who is not the parent to act as if he/she were the parent or to give themselves permission to act with even more authority?

As a parent my first reaction was to defend and protect my son. I listened to the story from my son’s point of view and realized that I have to know when to just listen and when to lend voice to how I was feeling. All I could do was write a letter. I didn’t send the letter but I needed to write down my feelings. I needed to get out how this whole situation could have been handled so much more diplomatically and so much more sympathetically had this coach, teacher, role model and adult been able to step outside of himself and look at what happened from a 16 year old point of view. Isn’t point of view (perspective) one of the first steps toward empathy?

As a parent with a child at this precarious age I have to learn and know when to step in and most of all when to step back and let my child start to handle things for himself. He has to be able to know deep inside that he can handle confrontation with adults, with anyone, in a mature, respectable, well thought out manner. He has to know the steps involved in how to respect everyone as human beings and then also those people that play significant roles in our lives, whether permanently or temporarily. He has to try on the clothes of the adult he hopes to be one day and although the clothes may not fit well right now he can become familiar with how they make him feel and he can foresee his future self wearing them very well.

There are steps we can all take to put us in the frame of mind to create teachable moments. Here are a few:

1- If you are dealing with a child smaller than you, first get down to their level, eye to eye, so that in the first place you are not abusing your taller position and causing the child to look way up at you and second so that what you are about to say becomes more powerful for them. If the child is a teenager like my son and tall like he is, sit down somewhere with that child. That act alone creates mindful space, respectable space for both of you and diffuses the tension immediately. With diffused tension, you as the adult can think more purposefully and more clearly to create the words that help form the teachable moment. Physically changing your own literal point of view puts you in a unique position of trying to see things from the other person’s point of view. This is the cornerstone of empathy.

“We begin to learn wisely when we’re willing to see world from other people’s perspective.”
Toba Beta, Master of Stupidity

2- Look the child directly in the eye and take a deep breath or two before speaking. Taking those nanoseconds to breathe helps gather your thoughts.

“Feelings come and go like clouds in a windy sky. Conscious breathing is my anchor.”
Thich Nhat Hanh, Stepping into Freedom: Rules of Monastic Practice for Novices

3- Start talking with your heart not your head. Even if there is a specific lesson to teach, your tone will convey the seriousness but your actions will convey the respect of each position in the relationship.

“Action expresses priorities.”
Mahatma Gandhi

4- Speak clearly. Speak purposefully, and speak with all the authority you have been given for the role you play in that child’s life. Respect the role you play. Don’t be the parent for that child if you are the coach or the teacher, unless you have been given permission to play the role of parent either by another important adult in that child’s life or by the child himself/herself.

“Always be a first rate version of yourself and not a second rate version of someone else.”
Judy Garland

5- Make sure there is follow through with what you are trying to teach. Is there a way to physically show the lesson trying to be taught? Actions speak louder than words. Get the child in touch with the action as often as possible. The lesson will have a lot more meaning. Make sure you validate respect for your own position but also for the fact that you understand that children make mistakes and that this is the time of their lives to make those mistakes and ultimately to learn from them. Make sure the child understands that the possibility exists that you were put in his/her life to help them learn a lesson.

“Wisdom equals knowledge plus courage. You have to not only know what to do and when to do it, but you have to also be brave enough to follow through.”
Jarod Kintz, $3.33

6- Remember above all else that you are not to sit in judgment. We all make mistakes, even as adults, no one is perfect. You are not G-d, you are not the jury. You are the example, the role model. You have the most important position of all to be able to influence this human being in the most uplifting and life changing way possible. The power you hold should only be used for good. Be careful with your words. Sticks and stones may very well break their bones but your words will sink inside forever. How do you want to be remembered by this person?

“The questions that we must ask ourselves, and that our historians and our children will ask of us, are these: How will what we create compare with what we inherited? Will we add to our tradition or will we subtract from it? Will we enrich it or will we deplete it?”
Leon Wieseltier

7- If you cannot find it in yourself to address the child directly and in the moment, tell the child that you need time to reflect and that you have every intention to address this situation with him/her as soon as you get clear with what you want to say. Take a day or just an overnight and write a letter. Get out all of your feelings on paper. Don’t send the letter unless it is your exact intention to do so. Re-read the letter over and over. Rehash the incident inside of your gut, your brain, your heart and come to terms with the words. If you don’t send the letter allow that the space you have just created for yourself to deal with the emotions can now create a teachable moment. Use the power you just created from your words and teach. You have an obligation to take what you have learned and teach the lesson.

“Each life experience poses this question: how do you want to be changed because of me?”
Mollie Marti

This all led me to think about how the football coach did not even attempt to find balance between my son’s actions and the hateful words and tone he used. There was no follow through; there was no calmness on another day to create another possible opportunity for a teachable moment. The football coach just let the hate sit in the air and in my son’s brain. It made for difficult learning when my son then had to sit in the coach’s classroom and respect this authority figure as his teacher as well.

This situation led me to ask:

Just how many hateful words are there that a balance can’t be found to exemplify right from wrong in any situation? Furthermore, I chose to break this thought down into 4 letter words. How many 4 letter hate words are there versus 4 letter kindness words?

It turns out that there are an abundance of 4 letter kindness words that outweigh the hate words almost 2-1.

Here is my challenge to you:

1- How many 4 letter kindness words can you think of and then use in the course of your week?

2- How many teachable moments can you create with the use of kindness words?

3- How can you pit the kindness words against the hate words so that it creates feelings that will empower you and your child and move you both forward toward goodness?

There will always be ugly days and ugly feelings but how we balance and combat those days and feelings can be empowered immediately with the armor we learn to use in kindness. Here is a little list to get you started:

Love/hate, kind/mean, hero/fool, goal/fail, will/weak… Good luck. Share with me your teachable moments and the words that empowered those moments.

If you would like to learn how coaching can help you reach your children, co-workers, boss or partner or how coaching can help empower you toward a more fulfilling life contact Lisa at or just stop by and visit our website at

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Design Your Man and Then Be on the Lookout

I am talking about your life partner or rather, soul mate – that special person that you would like to spend the rest of your life with. In order to get somebody that would match up to your expectations, you need to design him first. Now how do you do that? Read on to find out how I exemplify.

Designing a man means writing in paper or a digital editor about all the qualities, features, characteristics, occupation and hobbies you would like him to have. Here is an example of the design I created for my Man. Just take a look at it. You will definitely get your AHA moment

Good-looking, in his late thirties, single with no children, loves and respects me, tall, no moustache, not too dominating and a lot decent, smiling and cheerful, likes to laugh at good jokes; tells good jokes, can work through problems like a man, can share his problems with me, can be a shoulder to cry on, be brave and courageous in a crisis, able to take good decisions, lives abroad but will connect with me soon, strong and sturdy, successful in life about anything he does, goes about in a planned way, does not have beverages, preferably does not smoke; his name begins with “J” (both my sisters’ hubbies’ names begin with “J”), medium sacred, believes in God and says his prayers; all his family members appreciate me for my appearance, my skills, my motivations and achievements. He is clean and tidy and so is his entire family. They will be good to our future child/children; my soul mate has no grudges about my interest in self-improvement eBooks; in fact he gets also inspired if he is not already; he loves me to work in my field of interest (Computer Science & Engineering). Together we make up to be perfect soul mates. Additionally he lets me do all the good things I want to do with no grudges for example, write free self-help books, short stories and articles as hobbies, and spread them around and also other good stuff for instance, donating to a charity or a cause. He has no objections about me working in a dream career. And he lets me know of his interests occupationally and leisure-wise. He lets me manage my finances and wealth in my own way and even gives me helpful tips regarding this. Not only I want him but also he wants me badly enough. I repeat we are perfect soul mates. That implies we cease to have a divorce.”

So you have designed your man. Put the paper or save the editor as a txt or MS Word file in a safe place.

The next step would be to be on the lookout for your special man.

You can stay at home and keep praying and visualizing your man. If you believe in what you ask for in your prayers, you will surely get the man of your dreams.

On the other hand, if you are more of an extrovert and outgoing nature, start mixing with people and look in the right places that match your interest. For example, a man at the local bar doesn’t interest you but formal office guys capture your attention. So look out for friends, acquaintances and relatives who work in the offices of your choice. Then interact, socialize and then earn what you desire: Your Special Man.

To ensure you have found the right man for your life once you have confronted him, ask him questions like below:

1) What do you love to do?

2) What are your hobbies?

3) What kind of friends do you have? What do they do? Are they married?

4) How are your bonds with your parents and siblings?

5) What is you view of life on the whole?

When he answers these questions, you will immediately know whether he has strong relationships with the people around him, he is ready to commit, his manners and courtesies, his likes and hobbies, what he does for a living and whether all these match up to your standard. His overall view of life should give you glimpses of his level of optimism, maturity and confidence as a whole. Also, of course, his looks and body language will speak for whether he is Mr. Right for you or you still need to be on the quest.

Rosina S Khan has authored this article where she shows the effective steps in acquiring the man of your dreams.

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Build an Influential Lifestyle

In today’s society there is so much noise that to compete you have to be louder in every aspect of your life. You are competing with social events and other distractions and most importantly what is influencing your decision-making and the barriers that make it a hard to reach your full potential. Your goal should be to create an identity for yourself that involves yourself with great leaders, and that channels your expectations and your goals and most importantly your power to control the influential lifestyle you’re seeking. It is very important to understand that you can’t have everyone as your friend you must select only a few and I mean only a hand-full of people into your environment.

What you need to accomplish is a ground game to access the necessary information from these groups of people you surround yourself with, and I’m talking about the LEADERS, the SMART, and most SUCCESSFUL, POWERFUL RISK takers that you can find. For there is where you will find many solutions and ideas. Once you discover these leaders in your circle, create firewalls around them by having the greatest relationship with them as possible, this will allow you to break into other markets of great leaders and people in the marketplace.

Example: Find the people who are really influential in the business that you want to start, and let’s say you don’t have the funds to start the business, which can ordinarily be tough. Find them and connect with them, grab their ATTENTION and don’t let GO! You have to pass the gate- keeper, so call them, email them and call them again and email them again and repeat! Sound persistent? You should be a billboard that they can’t stop looking at. Remember successful and powerful people who are very influential want to be surrounded by other people who want to be like them. If you are loyal to seeking their attention it will give them a sense of urgency to connect. However you must remember that these powerful and influential people here a lot of noise so you have to be louder than that noise, and quite frankly that will be your way of life once you build that relationship.

So be LOUD and go out to create a lot of noise and get the ATTENTION that you need to be POWERFUL and INFLUENTIAL to create the lifestyle you need for yourself. And don’t doubt yourself! And my question to you is are you going to go out there and be GREAT? And are going to STAY GREAT! Remember it’s all about the connections that have INFLUENCE!

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The Need to Save a Life

The most fundamental of all human rights is the Right to Life. It is the most inalienable as it is enshrined in the constitutions of most countries around the world. However a critical look at most constitutional draftings shows an omission of sexual minorities. This is not surprising especially in African States where part of the colonial hangover were laws out rightly criminalising same sex relations with harsh penalties for those who indulged in the practice. We remember the arrogance of former Nigerian President Olusegun Obasanjo who said that there were no gay people in the country. The coming out of Bisi Alimi in 2004 must have been a rude shock and affront with severe consequences on the man that dared to come out of the closet.

On July 9, Ahmed Ben Amor, the Vice-President of Shams, an LGBT group in Tunisia made an attempt on his life by consuming a large quantity of harmful drugs. This is indeed tragic and disturbing for human rights conscious Africans. While many constitutions uphold the right to life as earlier pointed out, many in the African continent are extremely homophobic and endorse the killing, maiming and beating of sexual minorities. There are no ugly consequences for the perpetrators of these human rights abuses with the police not helping matters especially as some law enforcement officers even shamelessly blackmail members of this vulnerable community.

Let us look at what made Amor take that extreme decision. He regularly received death threats and was contending with rejection from his family and society. The dominant religion, Islam didn’t help matters as well. With all these put together, let us be frank ‘Was his life really worth living?’ What was he really looking forward to when he got up in the morning? How did he feel when constant hate mails laden with death threats flooded his inbox and probably his phone via sms?

Some have even gone as far as condemning him for the suicide attempt and called for his prosecution on the grounds that suicide is equally a crime.

This is not the time to apportion blames but to show some love to not only him but the millions of others in Africa who are in similar conditions. How can we make life worth living and something to be enjoyed rather than endured for these sexual minorities? How can we stop the hate in all its ramifications and entrench sturdy punitive measures for hate apostles? How can we stop the forced anal examinations these men are subjected to alongside the frequent slurs that is their lot? Why should we prevent them from getting treatment for ailments including HIV? Why must we force them to go on exile far away from their families and loved ones just to be assured of the right to life?

Until we do all these, we have no right to judge and worse still condemn those who have been pushed to the wall and want to end the whole misery by taking their own lives? We should stop being hypocritical and make life a truly worthwhile experience for all irrespective of sexual orientation.

Our hearts goes out to him and we wish him speedy recover. We hope he lives long enough to witness the drastic reduction of homophobia in Africa.

One love from us all here!

Please visit and make comments and useful contributions. You can also submit articles on how to end homophobia in Africa to

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Massage in Bucharest

Recognize it! You’re busy! And so must be! That’s what life is like! But you want more than that, you want to do more for yourself and massage can help. Because massage makes more than a simple relaxation of the mind and body. It keeps your body in shape and gives you enough energy to make you enjoy a longer life better than you do it today.

Massage releases stress. At the moment, stress is a universal evil. Every time you are late, every time you avoid a car in traffic, every time you have trouble working, stress is doing his job. Each time adrenaline increases heart rate and cortisone levels and organs respond to the measure. You will be in a state of nerves and constant agitation.
When there is no release of stress, serious problems such as an upset stomach, hypertension, sleep disturbances, chest pain, or existing illness may worsen.

Some of the changes that may occur are: Anxiety, lack of concentration, depression, permanent fatigue, muscle or bone pain, sexual dysfunction, excessive sleep or insomnia

All these stress-related problems can be diminished and some can be totally eliminated by massage. The researchers concluded that a massage session can lower heart rate and blood pressure, relax your muscles and increase endorphin production. The massage also releases serotonin and dopamine and the result is a general relaxation, both physical and mental.
Our body care must be at the top of the priorities.
By adding the massage to your routine you will look much better and you will be much healthier and relaxed. Massage can improve your vitality and mood. Massage can prepare for a long and beautiful life.

Our masseuses personalize each massage session according to the needs of the individual.
Our massage parlors offer a variety of relaxation styles and techniques to help you. Apart from relaxing, massage can be a powerful ally in reducing pain, increasing energy levels, improving mental and physical performance

We recommend : HotAngels , VipZone , JadePalace , ThaiPassion

After a massage session, you will see how the mental prospects are enriched, the body allows easier handling, better pressure resistance, relaxation and mental alertness, calm and creative thinking.
When you have the impression or force yourself to stay straight, your body is not actually aligned properly. Not only does the posture look bad, but it forces some of the muscles to go muddy all day, while others become weaker. After a long time, the incorrect position may cause other drops. For example, internal organs press on what affects digestion, breathing ability is also diminished, which means that much less blood and oxygen reaches the brain and hence all sorts of other complications.

Massage allows you to return your body to the track. Allowing the body to make healthy and accurate movements is one of the greatest benefits of massage. Massage can relax and restore muscles injured by bad posture, allowing the body to position itself in a natural, painless position.
Apart from posture, there is also anxiety. One of the signs of anxiety and stress can also be heavy breathing. When the body begins to breathe too little and deeply instead of breathing at a natural rithm, it is impossible for one to relax. One reason may also be that the chest muscles and the abdomen get tightened and the air gets harder.

Massage plays an important role in learning the body how to relax and how to improve breathing. Respiratory problems such as allergies, sinuses, asthma or bronchitis are a group of conditions that can benefit from massage. In fact, massage can have a positive impact on respiratory function.

Many of the muscles in the front and back of the upper part of the body are breathing accessory. When these muscles are tight and shorten they can block normal breathing and interrupt effective breathing natural rithm. Massage techniques for stretching and relaxing these muscles improves breathing function and breathability. Massage leads to an opening of the chest as well as structural alignment and nerve dilatation that are required for optimal pulmonary function. A good way to treat respiratory problems with massage is the taping made in Swedish massage. When done on the back, along with vibrations, it can detach the mucus from the lungs and can clean the airways for better later function.

Massage not only relaxes muscles, but helps people become aware of daily stress levels. Once the body recognizes what really means relaxation, the mind can rest easily relax before the stress becomes cornice and harmful. This will help you enjoy a balanced life. Massage controls breathing, allows the mind to re-create relaxation before the occurrence of chronic and harmful stress and increases the level of energy.