Seven Principles of Health for a Happy Long Life

We are very excited to impart to you the seven principles of health. We are looking at what can allow you to live a vibrant, happy, fulfilling, and healthy life. Of course, any of the information we will share with you is purely information, not medical advice. You are however, most welcome to go and seek your own medical advice, specifically from your own health professional. But this information tells about proven methods against the test of time.So you’ve heard a lot of talk about my health and living as well as the seven principles of health. There are a lot of different thoughts about these principles. In general, we are talking about the health principles that really matter. Sure, there might be a couple which you could apply in your life, but these are certainly the most essential ones, those that you should definitely have to include in your lifestyle. In fact, the whole aim of this article is so that you can get a good appreciation of them, so that you too can live a healthy life for yourself.We don’t want people to be sick, and we certainly don’t want people to be taking mostly prescription drugs when they don’t have to. Now, is there any reason why we think that way? Because there are a lot of natural health measures that you can do to prevent ailments in the first place. You can certainly take alternative health measures. For instance, you can take a look at your diet, consider what you really partake of everyday. Is it really toxic to your body, or is it good for you? Are you, unknowingly building things, or destroying things in your body? These are what the seven principles of health really build upon. It really gives you an idea that you can move forward in a positive way for your body, not in a negative way. If you stifle your own growth and the cleansing processes of your body that’s naturally set up, then you’re really preventing yourself from being healthy. We’re only going to touch the surface, only looking the concept in a general point of view because there is a vast information available out there for this topic, and there’s only so much that we could share. But we’re certainly excited to talk about these things, which you can apply in your everyday life. That’s the beauty of it. Helping you take care of yourself everyday using health principles.WHOLE FOODSNow let’s have a look at the first one, Whole Foods. These include natural whole foods, such as fruits, vegetables, grains, nuts, herbs, and other things which are naturally-grown and unprocessed. You can just literally grab them off the tray or consume them without any preparation at all. So how is it that for several millennia, people have looked after themselves and have not gotten themselves into the same troubles that we are into now? It seems like we’ve gotten a lot sicker and a lot more frail. That is because of the processed foods that we have been consuming nowadays. We’ve upset our balance of the natural foods that we should be partaking. If you take a look at the Western diet of today, we can see that we’re having way too much sugar, saturated fats, and we substitute water for sodas or colas. It’s just not right because our whole body is being thrown out of what it’s used to. Our bodies are expecting some sort of natural foods or sustenance to build and repair itself, and it’s not getting it most of the time. So if our bodies are getting something different from whole foods, we would be expecting different results of course. That is why people get a lot sicker nowadays, as opposed to those who lived many centuries ago. The processed food revolution of the last hundred years have really changed our health and brought it downhill. If we go back and embrace the principle of natural health food the way they used to do many, many years ago, where the people did not experience the health problems that we are experiencing today because they haven’t been laden with chemicals or impurities in their bodies, we could look at whole foods as real eye-openers. This is one of the basic principles of good health. Just like in taking fruits alone, with its healing properties and its ability to provide energy and vitality to our bodies. It is just a matter of taking in fruits, which will really help boost our energy to keep us healthy and stable. We won’t have to worry that much about viruses, bacteria, and other harmful agents that will enter our body, because they will be removed fairly quickly. Vegetables are also good food sources for they will strengthen our bodies and keep us strong and healthy. That’s especially true if you consume the ones with low GI, such as sweet potatoes, brown rice, beet roots, carrots, and the like. They will really help strengthen our bodies.You know, it’s funny talking about whole foods, herbs, and spices. Take a look at the ancient methods that the Chinese used, or the old civilizations that used herbs to heal and help cure things. These are the reasons why they work. Certain herbs target specific parts of the body and there’s no reason why you can’t incorporate them into your diet as well. Any sort of research or understanding on Chinese medicine and the old ancient ways might reveal some of these herbs to you. It is most exciting that you can apply these in your life today, just as they did thousands of years ago, to treat the ailments that they had. Nuts and seeds, and other berries are really, really good for you. You can include them in your diets as whole foods to allow you to move forward as a healthy being.Another of these which are really mentioned quite a lot is milk. There’s nothing wrong with milk. If it’s raw milk, it’s got all the nutrients which will be really good for your body. It’s full of protein, essential fats, and gives you strength.The other food which I would like to mention is natural, raw honey. It is full of enzymes which can really boost immunity and it is antibacterial as well. It really stands out in giving good health and vitality, and you can even apply it to your external wound. If you ever get a cut or a lesion, honey is very good in healing the wound and keeping it clean as well. So, as you have read, there are heaps of natural and whole foods which can help you to build and maintain a healthy state. And, as they say, it is never too late to introduce them into your diet as well. That is, if you have been lacking them in the past. There’s no reason why you can’t introduce them now to help boost and change your lifestyle, allow it to be a healthy one instead.WATERAnother principle of health is Water. Now as you know, we are all made up of more than 70% percent water, which is applied a lot in the building of new cells in our bodies. Water is an essential part of us and we should allow it to work with us. By not drinking water, you are allowing yourself a disservice and depriving your body of its proper health and nutrition. On a cellular level, you’ve got to consider that each cell needs the delivery as well as removal of certain nutrients. If you look at one cell, it might have a building block, which may need a certain nutrient to complete its function. However, it can only get there with enough water in the system. Now, electrically-charged water is certainly good for us because we are electrically-loaded beings. We survive on the electricity that’s running through our bodies. There are pulses inside us that run here and there in order to send electrical signals to and from the brain and the other parts of our bodies, such as cells, muscle groups, and others. So, in order for this to happen, water has to be an essential part of this process. Salted water is also very good. If you have the right amount of salt in your diet, then the delivery of nutrients and energy between the cells will be easier because you have the right charge.Now, the secret to any good weight-loss or fitness program is that you drink sufficient amounts of water. The reason for this is because water can remove and flush out toxins and excess fat cells that are not needed by the body. Without the sufficient amount of water, your body won’t be able to carry out this process properly. So, as you can see, water is an essential part of the body’s system. Let’s maintain it and work towards building it up in the future. And we should drink at least eight glasses of water per day. If you’re a larger person carrying excess weight, however, then you might have to increase that to, say, 10-12 glasses per day. It depends on your body’s structure too. If you feel thirsty, your body is already starved of water, it’s already dehydrated. The idea, then, is to keep your water levels at a sufficient amount. A good indicator of this is the amount of sweat you produce and urine color. If your urine color is cloudy yellow, drink more water so it would be clearer and lighter in color. It’s a matter of maintaining that as well. So, water is an essential part.AIRNext is Air. It is very important to us, for the obvious reason that we need it when we breathe. But as you know, every cell in our bodies survive on oxygen, and we need to allow our bodies to breathe, every cell has to breathe. So with insufficient oxygen flowing through us, we will slowly get asphyxiated, and toxins won’t be released. So breathing sufficiently is very important. If you go outside, you can get electrically-charged air as well. It is very important. If you ever go to the beach, or if you’re around lightning strikes, you might find some ozone in the air. You can actually smell the ozone, especially if the lightning cracks around you. It is the same sort of smell when you go to the beach; it’s the ocean’s smell. That is extremely good for you, that is O3. It basically gives life and vitality, heightens your senses and energy levels, and it’s just really good for you. In fact, if you take five deep breaths for multiple times per day, it will allow your whole body to get rejuvenated. Deep breathing is great because it opens up your airways and it brings your oxygen levels up.SUNSHINENext on the principles of health is Sunshine. Getting enough sunshine is crucial for health and vitality. Now I’m not saying that you should go get sunburned. What I’m saying is that you should spend about 20 to 30 minutes out in the sun every day. Now you should do that during the “safe-sun” hours, which is usually before ten in the morning and after two in the afternoon, if possible, because the sunlight between ten in the morning and two in the afternoon will probably get you burned a bit easier. So getting enough sunlight is very important. If you allow the sunshine to penetrate or to be absorbed more by your body, and expose more of your skin to the sun, then you will get energy a lot quicker.Now we all know that we get Vitamin D from the sun, and it is very important for your health and the recognition of your nutrients to break down and be accepted into your body. It’s almost like a gateway, wherein Vitamin D allows your minerals to be absorbed properly into your body. So if you don’t have Vitamin D, then this process can’t work properly. You will find that you’ve got a lot of deficiencies as well. You might also be worried about skin cancer. Well, we’ve got different thoughts on that. I don’t believe we could get skin cancer from the sun itself, I believe it’s more on the toxins and the impurities in your skin which are actually burned and which turn against you. So, how come we haven’t got problems on melanoma and skin cancer before, and then all of a sudden, within the last 50 years, we’re now having melanomas? Does that mean that the sun has changed? Or is it because we, and our diets, have changed? I would think it’s probably more so because of the latter. Our diets have certainly changed. The amount of chemicals and radiation inside of our bodies are the problem. The sunlight actually reacts to these chemicals and impurities in the body, under the skin, which actually turned against us. So, a little bit of sunlight every day, in the safe-sun periods, away from being sunburned, will actually do more good than harm. It is very important that everyone will recognize that sunshine is a vital part of health.If you’re not feeling very well, if you’re feeling ill and off-color, well, go for a walk in the sun. Expose your body to the sun and get 20-30 minutes of sunshine. You will feel the energy levels radiating out of you, you’ll feel a lot better afterwards, and it is amazing to see that it actually does you good. If it can make plants grow, make living things flourish, then it is bound to do you good as well. So, don’t just listen to those who are saying that the sun will do you a lot of damage, when it can actually do you a lot of good. It is a matter of managing and doing it properly. Sunlight is very important for health.EXERCISE and MOVEMENTAnother principle is exercise and movement. This is number five out of the seven principles. You need to move; you need to exercise. When I say exercise, I’m not saying you need to be running a marathon. I’m saying you can get out and do some walking, some stretching of your body, and doing some general movements through your whole body. This will do you more good than harm. In fact, we’ve got these things called lymph nodes right through our whole body, and they are not circulated from the heart. The lymph nodes’ fluids are not circulated because they are being pumped by the heart. Instead, they are circulated because of your movements and exercise, as well as through massage. So it is very important that you keep this happening always. Otherwise, they’ll build up, which will cause problems in your lymph glands. It is also important that you keep flushing them and moving them about because they will be stagnant and clogged with toxins.I’m sure everyone can move, walk around, do some stretching, and just generally get up and about. This means that you could get out for 20-30 minutes each day, and it will be a lot easier if you’ve got a routine related to this. If you haven’t got one, well, anytime you get out, you could stretch and move your whole body. It will do you a lot good. So, once again, if you’re feeling under the weather, it’s important that you actually do move. It is important that you do stretch and get the fluids within your body moving so you will be cleansed and the toxins will be removed from your body. Some areas of your body need movement to flush the toxins out and if you’re not moving, they’ll be just sitting there and become stagnant. If you see people with a lot of fluid in their legs, especially elderly people, they’re just sitting there, the fluid builds up in their legs. Now if you want to keep your body parts vital and alive, it’s important that you move about certain parts so that new blood can circulate through your body and through the parts that aren’t moving much. So, to flush out the toxins in your body, movement and exercise is very important.REGENERATIONNumber six on the principles of health is regeneration. This encompasses rest, relaxation, recuperation, and regeneration. That means that everyone needs to rest. Everyone needs to lay flat and lay their heads down, parallel to the earth’s surface. This is so that you can rest, regenerate, and recuperate. Our bodies are designed so that the magnetism and the electrical charge can actually flow properly. To do this, you need to be lying down. Have you ever worked too hard and think you just need to lie down? That is the feeling you get when your body’s saying, enough is enough, and that it needs to regenerate. It’s like a good battery: it can only go for so long before it depletes. If it’s lost, you can’t function properly. And that’s why regeneration is important.Now part of regeneration means that when you do lie down and close your eyes, it does not mean that you get some smartphone or iPhone app or other electronic device and try and fiddle with that because your brain is another organ that needs rest and recuperation as well. And that means shutting down the conscious and allowing it to go into regeneration mode. When you lay down and you rest, that means resting your brain as well. And it’s very important that you do have periods to rest every day, wherein you do not do anything except sit and reflect. Rest and recuperate. That means mentally as well. Otherwise, you will suffer from some sort of burnout later on, and we don’t want that. If you’re feeling ill, then rest and relaxation will surely bring you back to health. When you’re feeling overtired, rest and sleep will allow your body to regenerate and your brain to kick back into gear and reset itself every night. And it’s important that you get at least six hours of sleep every day. If you’re not, then you’re really cheating yourself, and later on you’re going to pay the price and you’re going to really suffer mentally about this. So it’s important that you get about six to eight hours of sleep per day. Rest and recuperate, lie flat down, and allow your body to kick-start itself and regenerate. That’s what the cells need: regeneration.RELATIONSHIPS and PASSIONThe last of the seven principles of health is the Relationship and Passion. Everyone needs to have good relationships, whether it’s with a passerby, you treat them very well, as you would want to be treated. This is also for the long-term relationships with your friends and loved ones as well. You want to have great relationships with positive people to uplift and build. You don’t want bad relationships that would tear down and destroy you. And that also pertains to your general health as well. Positive relationships build, while bad relationships destroy and tear down. It is important that you recognize this, because if you are around toxic people, who constantly batter and bring you down, then it would bring your health down as well. So, it’s a matter of minimizing the time and exposure to toxic people, and building up and allowing positive people to give you more influence instead.The other point there is passion. If you are passionate about something, then you will want to spend more time doing what you are passionate about. That includes your favorite hobby, sport, friends and family. You would want to spend time with these people or these passions. There is a saying that, without hope, we have nothing. Now, we have to have something in our lives which we would want to strive for, get up every day for, move forward for, and that is our passion. Whether it’s strictly for a relationship, for building ourselves up, some sort of hobby, or sport that we really enjoy, it’s important that we have hope in our lives. After all, if we don’t have a passion, then what are we here for? What are we really doing?In the passion, in the relationship, it is also a passion towards your Creator. God is a great avenue to rely on. You might think I am getting a bit spiritual, but it is true. Everyone needs a relationship with the Creator. Everyone needs a relationship with spiritualism in their own life. You need to reach out and realize it. It’s not all about you. You are part of the greater creation and you are part of a greater being and a greater purpose. To have a great relationship with your family and friends is great, but to have a relationship with the Creator is even better. To have a passion, a drive about these things, an inner drive wherein you know where you are going and what you are doing, that’s very important. Spiritualism is very important. Being passionate about something else other than yourself is also very important.Okay, so we’ve discussed on Whole Foods, Water, Air, Sunshine, Exercise and Movement, Regeneration, Relationships and Passion. If you tie all of these things together, and you live by these, and you use them as a driving force that you want to include in your life, then you will have a great and healthy life. And that’s what this is all about, health and living, to do things the right way. You will certainly function properly and healthfully as well. So, are you including all of these in your life? I hope so.I hope you’ve got the opportunity to actually reach out and allow others to help you as well. By helping others and allowing others to help you, by embracing these seven principles of health, you will live a much richer life. It is all about reaching out and helping others through these as well, not just yourself. So if you’ve got the opportunity to help, whether it is just for yourself or for others, this is what it’s all about.It’s very exciting to talk about these principles of health, for you will realize which one of them is lacking in your life. And then it’ll be up to you to go work on these things. If you’re not eating enough whole foods, or drinking enough water, if you’re not getting out and enjoying enough fresh air in your life, open your house up and let the air just breeze right through your house. Get out in the sunshine and enjoy that. Go for a walk, enjoy your rest time, allow your brain to regenerate and recuperate. Put enough effort into relationships and passion and you’ll feel the fulfilment of life right through your whole being.

Auto Insurance Does Not Mean The Same Things To People In The Financial Profession

It is amazing how much literature has been written about the car insurance business online. The main approach in use by the bulk of the writings is in the direction of selling car insurance, rather than offer it in the proper context of insurance product or ‘a product to protect your assets and wealth.’ That is why when searching for the phrase ‘auto insurance’ a large number of websites emerge with the ‘selling’ phrases like affordable auto insurance, or cheap auto insurance or low cost auto insurance.In the early part of 2011 and according to Google AdWords there were 8,100; 74,000; 9,900 monthly searches for the above key phrases, respectively. On the other hand, there were only 110 searches for the phrase ‘reliable auto insurance’, 170 searches for ‘quality auto insurance’, and 8,100 for ‘top auto insurance companies.’ It is rather easy to conclude that most of the searches on line are about price, not quality of insurance.A basic principle in marketing is to understand what people ‘want’ and design and package your product or service to meet what the folks want. Looking at those numbers we can tell that most people want cheap auto insurance. As a marketer, if you design any campaign without considering that analysis you may eventually flunk the marketing tests, close your website and go do something else.So what’s the difference between auto insurance polices? From a ‘financial planning viewpoint’ car insurance comparison should never be based on price only, and perhaps most people agree that cheap insurance is not necessarily the best car insurance. But what most people do not know is that an insurance policy with the best rated company may also be one of the most problematic contract. An auto insurance policy should be compared in reference with three factors:1. Price: of course the cheaper the better.2. Company Rating: Non standard companies are more flexible than their standard or preferred counterparts with regard to past violations found on the MVR activities of the drivers and the credit score of the car insurance applicants. However, non standard companies are harsher than others in customer service and paying claims. Most of complains come from non standard insurance companies. While preferred companies do not hesitate to quickly pay for smaller claims suck as seven or eight thousand dollars claim, or even little more; all companies from top to bottom will try to examine the application to see if they have to or do not have to pay a $100,000 claim.3. Liability Limits. This is the most ignored, least understood, but is the most important aspect of the policy which affect customers during time they need the insurance. It measures how much protection you have in the event you get sued. A professional financial advisor will never ever sell you an auto insurance policy at low limits if he/she has enough information that you and your spouse have enough wealth to be sued for in the event that you or a family household member cause a major auto accident and your car insurance pays the maximum on the policy which turns out not to be enough.There are many insurance policies sold with superior insurance companies at the lowest liability limits mandated by the state. In the State of Illinois these limits are 20/40/15, which means that in the event you cause an accident that is your fault and you get sued by others, then your company will pay to others on your behalf no more than $20,000 for bodily injury for one person, no more than $40,000 for bodily injury for all other people in the accident, and a maximum of $15,000 for any and all property damage you case in that accident. If you are a business owner and you cause a major accident resulting in a unbeaten lawsuit of $300,000 and your insurance company maxed the payment on the policy and paid $20,000, the difference of $280,000 will have to come from your own money!Financial Planners and Auto Insurance Marketers Are Not in HarmonyFinancial planners are not in harmony with insurance marketers about the weight that needs to be placed on limits of liability in auto insurance. Marketers like to stress the aspects of price and company rating, while financial planners like to stress the importance of liability limits first, then company rating second, and perhaps price at a later stage.Although financial planners and auto insurance marketers have the common goals of maximizing their earnings while providing their services, the scope of their operations is different. Auto insurance marketers make their money by selling as many polices as they can have. The marketer does his best to make as many sales as possible, hence making small amount of money on too many policies sold. Financial planners work differently as they try to make big money from each of the few number of customers they have. Selling an auto policy is not the primary concern of a financial planner, but for him or her auto insurance is one of the fundamental subjects of the financial planning process.Car insurance agents look at auto insurance as a way to protect the car itself in the event of theft, fire or another loss, besides the fact that it’s the law. Financial planners look at auto insurance as an integral part of their clients risk management process. To the financial planner an auto policy is not to repair the car in the event of loss, but is mainly about protecting the assets and wealth of the insured, especially against potential lawsuits.Some auto insurance marketers would even suggest to cut down on liability insurance as a way to save money. No sound financial planner will ever make such a suggestion. No way!When does height matter?How high your liability limits should be is the main issue that should prevail when you buy car insurance. You probably need only the minimum liability limits mandated by the states if /when(1) you shopped for higher limits and could not afford it, (2) your current assets or wealth is not big enough to expose you to further lawsuits in the event of at fault auto accident. (3) you are a high risk driver where no one else wants to insure you except at the minimum limits. But, if you have certain amounts of assets and wealth, or is expected to have sizable assets or wealth, then you need to worry about the height of your liability limits.What about if you are not wealthy with plenty of assets? Even for people with little or no wealth, the height of liability limits should be much of a concern to them. This is due to the fact that liability insurance contains certain coverages to pay for your bodily injuries in the event that you get hit by a vehicle that is legally uninsured, or is insured but the insurance on that vehicle was not enough to cover your bodily injuries. According to the Insurance Research Council, approximately 15% to 17% all drivers in the United States are uninsured. Coverages for Uninsured Motorist (UM) and Underinsured Motorist (UIM) vary from states to states with regard to their mandatory status and limit amounts. In Illinois UM is mandatory at the limits of $20,000 for bodily injury per person and $40,000 for bodily injury per accident. Underinsured motorists coverage is not mandatory in Illinois but insurance companies must offer it to clients for policies issued with liability over the state limits. Clients can still reject to have higher uninsured/ underinsured motorists but it must be in writing. As you can see, your liability only policy provides coverage for your bodily injuries, and making sure that you have high limits on both liability, UM and UIM can have tremendous effect on your life.

How To Pay Off Your Mortgage In 5 Years

My wife and I were “home buyers” for at least 7 years on our current residence. Notice that I said home “buyers,” and not home “owners.” There is a common misconception that when you take out a mortgage, you are immediately a home “owner”

Assuming that you have a 30 year mortgage, the reality is that you are simply in the process of buying the home over a 30 year period. The bank, is the true owner of the property. If you don’t believe me, try missing a few mortgage payments, and see what happens.

3 months ago, we paid off our 30 year mortgage (in 7 years, or 23 years early). Now we are true home “owners.” In this article, I’m going to show you step by step how we were able to accomplish this. Using our existing income, and without incurring any additional debt.

Equity

Let’s talk about “Equity.” Equity, or appreciation, is the difference between what your home is worth and what you owe to the bank. So if you owe $100,000 and your house is worth $300,000, then you have $200,000 of Equity in your home.

We had roughly $250,000 of Equity on our house. We owed the bank $115,000 and our house was worth $367,000.

This $250,000 is dormant. Meaning, it looks good, but it wasn’t doing anything for us.

Home-Equity Line of Credit (HELOC)

So the first thing that we did was we ‘tapped’ into this equity. We went to the bank and took out an Home Equity Line of Credit for $50,000.

What is an equity line of credit? Also called a HELOC, an home equity line of credit is a liquid line that you are able to draw funds from at any time for any purpose. It’s like a gigantic credit card.

Although the HELOC had a limit for $50,000, the amount that we owed on it was $0 at the time that we took it out. This is because, similar to a credit card, you don’t owe anything until you actually use it.

Use HELOC to Pay Down Mortgage

Immediately after we got the HELOC, we withdrew $20,000 and applied it to our Mortgage (additional principal payment).

So at this point, we have $20,000 due on the HELOC, but our mortgage has been paid down by $20,000 (from $115,000 to $95,000).

Use HELOC as “new” Checking Account

Before I go on, let me mention that after we used the $20,000 to pay down our mortgage, we still had the same $115,000 of debt ($20,000 on HELOC and $95,000 on Mortgage).

So to payoff the HELOC, we just used it as our new checking account. When we got paid, we took 100% of our paychecks and applied it to the HELOC.

Now you may be wondering, “with all of our money going to the HELOC, how did we pay our bills?” Remember the HELOC is a “liquid” line. So at the end of each month, we made 1 withdrawal from the HELOC to pay our bills (including our mortgage).

100% of Cash Flow

For us, our monthly paychecks totaled roughly $6,000. Our bills, including our mortgage, and all of our living expenses (gas, groceries, etc.) totaled approximately $3,500. So by applying 100% of our monthly checks to the HELOC, and then using the HELOC to pay our bills, we were able to use 100% of our monthly cash flow to pay the $20,000 HELOC off.

So with and estimated $2,500 of cash flow ($6,000 minus $3,500) the $20,000 was paid off in 8 months.

Repeat The Process

We repeated this process until the remaining $95,000 was paid off (approximately 2 years).

What Do You Need?

1. Cash Flow – You must have positive cash flow in your household budget

2. Credit Score – A decent credit score (650 or above)

3. Equity – Positive equity in your home.

What You Should Know

VERY IMPORTANT: The HELOC should be used to paydown your mortgage. It should not be used to fund a vacation, buy a car, or a boat.

ALSO IMPORTANT: The HELOC is not a Home Equity Loan (HEL). A Home Equity Loan is a 2nd mortgage, and it is treated the same.