A Suspicious Mind Is A Terrible Thing To Waste

I have discovered over the years several types of minds. The “open mind” which catches everything except the truth. The “analytical mind” which organizes everything to the point of sterility. The “closed mind” which you can bounce ideas and they never stick.

For every man, there is the “woman’s mind.” Every husband knows if he wants to change his wife’s mind, all he has to do is agree with her. Finally, the “political mind,” which for all practical purposes is an oxymoron. Politicians obviously do not have a mind of their own. They change their mind so often you hardly know who they are.

I find most people’s minds are like beds – all made up and tucked neatly away. Many of these people have sound minds – sound asleep, that is.

The most valuable mind is the suspicious mind. It is in this frame of mind that the real picture has developed for me. An incident several years ago illustrated this to me.

We received one of those calls every American gets at least once a month. An invitation to come to Daytona Beach and spend two nights at a motel on the beach. The sponsor even offered to throw in breakfast, which we promptly threw out (or was it “up?”).

It all sounded wonderful. My wife and I had never stayed on the beach and thought it would be an excellent opportunity. Eagerly we said “yes” thrilled with the prospect.

“Oh, by the way,” the young woman on the telephone said, “you will be required to listen to a 90-minute presentation.”

It was then my suspicious mind kicked in. To be more honest, the kick came from my wife, who had the suspicious mind.

“Is there anything we have to buy?” my wife made me ask the delightful woman on the telephone.

“Absolutely nothing,” she said so cheerily, I believed her. My wife, “Miss Suspicion,” did not buy it for a second.

Finally, I convinced her to go and I arranged with the woman on the telephone for the two nights on the beach.

Looking back on this incident, I realize a suspicious mind does come in handy.

I must confess (which is hard for me to do) my wife’s suspicious mind has saved us from a few potentially disastrous situations. (But you didn’t hear it from me.)

When we arrived at the Daytona Beach office, they greeted us most graciously. I was smiling a smile that said, “See, I told you this was going to be great.”

The cordial receptionist gave us a key to our room and easy-to-follow directions to our motel on the beach and, best of all, coupons for supper for two at a fancy restaurant.

So far, everything promised to be a magnificent adventure.

Just as I picked up the key, the lady reminded us of the 90-minute presentation. We had to sign up for a time that was “convenient for y’all.”

All I could see was that gregarious smile and the beach. As the glaze thickened over my eyes, I signed up. Then we were off.

While I was smiling, my wife was mumbling something like, “This is a mistake. I know there is a catch somewhere. Nothing is free.”

Being the sophisticated husband I am with a vast, cultivated vocabulary at my disposal, I said nothing.

There is a time to speak, but every husband knows it is usually not when in the presence of his wife.

We had a great time. The beach was wonderful and late that night we enjoyed a marvelous supper. Everything was going along quite nicely and we drifted off to sleep listening to the waves rhythmically massage the beach outside our window.

Then the time came for the 90-minute presentation. It was quite educational. I learned my wife was right all along.

The “catch” she worried about was called a “timeshare.”

Timeshare is an interesting concept. First, you must buy a week (or two if you like). At that point, I was ready to sign up. My pen was dripping ink ready to sign anything, anywhere.

Then my wife began asking questions. It’s a good thing she did.

That is when we learned another thing about timeshares. After one buys a week, the cost has just begun. Of course, they told us, we must pay property taxes on “our property.” Then there are monthly maintenance fees and insurance premiums. We learned the word “share” in timeshare means we share all our money with them.

By the time she finished her presentation, there were more fees on our timeshare than fleas on a West Virginia hound dog.

That was not the worst of it though. When our week came, we were expected to “rent” our own room to stay in it. When the woman got through with her 90-minute presentation (which actually took three hours), timeshare made as much sense to me as renting underwear.

There are times when a suspicious mind does come in handy, but not always. Sometimes I appreciate trusting someone without any fear. But, who?

The antidote for a suspicious mind is found in the Bible. The Old Testament prophet understood this when he wrote, “Thou wilt keep him in perfect peace, whose mind is stayed on thee: because he trusteth in thee” (Isaiah 26:3).

There are many things to be suspicious about, but when I come to Jesus Christ, I can relax. He gives me peace of mind because He is easy to trust.

Dr. James L. Snyder is pastor of the Family of God Fellowship, 1471 Pine Road, Ocala, FL 34472. He lives with his wife in Silver Springs Shores. Call him at 352-687-4240 or e-mail jamessnyder2@att.net. The church web site is http://www.whatafellowship.com.

Article Source: http://EzineArticles.com/expert/James_Snyder/2116

 

Why Real Estate Title Agents Need Errors And Omissions Insurance

In fact, no matter if you have been in business for quite some time, or you are new to the real estate industry, the risks you face daily, from errors in closing costs and payoff amounts to failing to meet client expectations, make you a major target for lawsuits. Even if you are cleared of all claims, the fees spent on defense, the time spent away from your business, and the added stress of dealing with the situation can prove costly. Without the right coverages, real estate agents may put their professional and financial future on the line.

Also, it is the title industry’s role to safeguard the client’s escrow and other funds by providing a means for the secure transfer of their real estate in the industry. If an error or breach occurs during this transaction, the agent is held accountable for damages incurred resulting from the error or breach.

Title Agents Errors and Omissions Insurance protects title agencies, including the escrow agent, closing cost agent, title searcher, and more, against the impact of a lawsuit incurred as a result of title agents omissions and errors and fraudulent wire activities.

This insurance covers all costs suffered as a result of an emerging lawsuit claiming alleged errors in the title documentation process, including title searches and escrow. Under this coverage, the insured is compensated in the event of final settlement up to the policy limit, as well as compensation for defense costs.

Title Agents Errors and Omissions Insurance Under the Fidelity-Pak Program

Title Agents Errors and Omissions Insurance Coverage under the Fidelity-Pak Program provides a wide range of comprehensive errors and omission coverage for real estate title agents, including:

Claims related to defect or deficiency coverage

Sometimes the real estate process can become damaged due to a defective or unmarketable title, also known as a title defect, which means there is an omission, error, or other complication related to the ownership of the property that makes it unsuitable for sale to a valid buyer.

Typically, as part of the settlement process under a contract of title, the buyer will pay the title company or attorney to search the title to the property to ensure the seller has a valid and marketable title to transfer without title defects to protect the buyer’s right to the property. However, sometimes important details related to the property are not recorded in state and county records, which prevents certain information from being known, which puts the agent at risk.

The claims related to defect or deficiency insurance covers claims related to defect or deficiency claims resulting from a deficiency or defect not recorded in public.

Consumer Financial Protection Bureau Matters (CFB) Coverage

The Consumer Financial Protection Bureau protects consumers from abrasive, unfair, or deceptive practices and takes action against businesses that break the law, such as predatory lending.

If a consumer files a complaint against your company with the CFPB, and upon investigation, the CFPB decides that your company has indeed violated federal consumer financial laws, it could result in a court proceeding.

The Consumer Financial Protection Bureau Matters Coverage assists with costs incurred as a result of Consumer Financial Protection Bureau matters. Under this coverage, Insureds receive up to $150,000 sub-limit coverage for relevant attorneys’ fees, costs, and expenses, including civil investigation, hearing, subpoena, or civil action conducted or received by the CFPB.

Claims Caused by Independent Contractors

The claims caused by independent contractors insurance covers Insureds against a claim caused by independent contractors.

Occasionally, you may need to hire an independent contractor to assist you in your real estate business. During these times, it is important to verify that the contractor is covered by insurance, which will cover damages if the contractor’s errors or accident causes damage.

Prior Acts Coverage

Title Agents Errors and Omissions Insurance covers prior acts coverage is a feature of liability policies that extends the coverage of insurable occurrences to dates before the purchase of the policy. In other words, it covers the time between when services are provided and when claims are filed as a result of those services. Under this coverage, all claims caused by wrongful acts following the retroactive date and before the end of the policy period are covered.

Fraudulent Email Wire Transfer Coverage (Third Party)

Under the Fraudulent Email Wire Transfer Coverage, compensation is paid on behalf of the Insured, those sums insured become legally obligated to pay up to $1 m for a covered loss as a result of an employee transferring escrow funds from an account of the Insured in dependence upon fraudulent email instructions relieved from a criminal claiming to be a lawful party to the transaction.

For more information on Title Agents Errors and Omissions Insurance, contact Riebling Insurance Agency, a leading commercial insurance firm specializing in Title Agent E&O insurance for both small and large companies, at RieblingInsurance.com

Article Source: http://EzineArticles.com/expert/Dan_Riebling/2393340

 

Critical Thinking: Do Some People Say That People Have A Phobia To Control Them?

When one comes across information that goes against what they believe, they can take the time to look over it. And if they were to meet someone who has a different outlook, they could also listen to what they have to say.

What this can show is that they have an open mind, and this is then why they are able to listen to people who see life differently. Still, this is not to say that they will always agree with what they hear.

A Waste of Time

If one knew everything, there would be no reason for them to listen to what these kinds of people have to say. Ultimately, one would always be right, and this would mean that it wouldn’t be necessary for them to listen to anyone.

But if they did listen to someone, they would only need to listen to them if they knew as much as them. Yet as they both have the same information, it is not going to be possible for one to learn anything; they will simply validate each other’s views.

Shining the Light

Through listening to what other people have to say, it will give them the chance to see if what they believe is the truth. It can be as if the people they come into contact with will have torches, and these will bring into focus what is taking place within their mind.

Without this new information, there will be no way for one to know if what they believe is the truth. Therefore, this new information will allow one to revise and update what is taking place within them.

One Outlook

Alternatively, when one only listens to people who have the same outlook as they do, it is giving to feed their ego. This part of them has the need to be right, and this is because being right is linked to being able to survive.

Thus, if one is wrong, it can be seen as something that will lead to their demise. However, while this may have been the case many, many years ago, it is no longer this black and white.

Avoidance

If one is wrong about something, they can simply let go of what they believe and accept another way of looking at something. It is unlikely that this will cause them to lose their life, and it will allow them to update their system, so to speak.

But while this is the case, it doesn’t mean that one will allow this to happen. Instead, this part of one’s nature can define how they behave, and this can stop them from being able to open their mind to anything that goes against what they believe.

Trapped

One can then have the ability to travel around where they live, and even to go to other countries, but their mind is not going to have the same freedom. No matter where they go or who they speak to, this part of them is not going to change.

Or if their mind does change, it is likely to be a sign that they have simply heard things that are in alignment with what they believe. The information they allow into their might be slightly different, but it will still validate what they believe.

Embellishment

It would then be more accurate to say that one will simply add more layers to what they already believe; with each layer strengthening their conviction. When it comes to the effect they will have on others, it can all depend on what they do in life.

If, for example, on doesn’t hold a position of power, it might not matter what they believe. They might annoy a few people from time to time but other than that, they could just get on with their life.

The Internet

There is also the chance that the one will end up going on social media, and this can be a time when they will criticise people who see the world differently. Therefore, when they use one of these sites, they are not going to be interested in having a discussion with anyone who disagrees with them.

And one thing they could talk about online is politics; with this being an area that really pulls them in. So, if another person has the same views as they do, there will be no reason for them to say anything.

A Different Response

In their eyes, they could believe that this is someone who is a ‘good’ person, and they could ‘Like’ what they have shared, for instance. But if they were to come across someone online who has a different view to them, they are likely to have a different outlook.

This could be a time when they will accuse them of having some kind of phobia, and there is then going to be no reason for them to have this outlook. What this person believes about something is going to be seen as being completely irrational, and as having no basis in reality.

Invalidation

Based on this, the best option will be for the other person to see a therapist, for instance, and to deal with their irrational fear. There is the chance that this person does have an irrational fear, but there is also the chance that it is not this black and white.

Even so, through telling them that they have a phobia, it will be a way for them to shame the other person. One is then not going to take the time to listen to why they have a certain outlook; they will simply try to silence them.

Gaslighting

This is similar to what happens when someone is in an abusive relationship, and how their partner will also invalidate their feelings and thoughts, amongst other things. Through doing this, it will allow their partner to gradually wear them down and to destroy their sense of self.

Once they have been worn down, it won’t take a lot of effort to control them. And while individuals can behave in this way on social media, it is also something that people in the public eye can do.

Conclusion

It has been said on numerous occasions how the people behind the scenes, so to speak, can’t use physical violence against the masses anymore. But even though this is the case, it doesn’t mean that people are now free.

In the place of violence, people are kept in line in more subtle ways, and people are also rounded up by their fellow human beings. It could be said that it is these people who have the biggest impact.
So if one is labelled as having some kind of phobia when they speak out, it will be important for them to stand their ground.

Prolific writer, author, and coach, Oliver JR Cooper, hails from England. His insightful commentary and analysis covers all aspects of human transformation, including love, partnership, self-love, and inner awareness. With over one thousand three hundred in-depth articles highlighting human psychology and behaviour, Oliver offers hope along with his sound advice. His current projects include ‘A Dialogue With The Heart’ and ‘Communication Made Easy’.

To find out more go to – http://www.oliverjrcooper.co.uk/

Feel free to join the Facebook Group –
https://www.facebook.com/OliverJRCooper

Article Source: http://EzineArticles.com/expert/Oliver_JR_Cooper/818466

 

Empowerment Alone Can Help Our Women

Provide a Safe Space
When it comes to women empowerment, safety comes first. Though the society has been pretty much aware about gender equity yet it has been seen lacking in practical terms. Safety is the basic right for every woman despite of location, education, background or religion. It serves as the topmost priority in case of deprived, abandoned and homeless women. There are many NGOs working towards providing a safe shelter for women.

Train Women to Read and Write
Every woman should have the basic education. If she is illiterate, simple things like phone numbers, traffic signs or directions become everyday struggle. So this should be considered as one of the important factors to empower women. Teaching women to read is the first step towards their empowerment.

Create Skill-based Work Opportunity
Women are blessed with the ability of multi-tasking. This talent makes them a quick learner and helps them stand apart. Besides managing their home well, they can always learn income-generating skills. Get them enrolled in any training program which helps them to learn and earn. This way, they feel confident and are able to face the ups and downs of life with ease.

Decision-making Power
When it comes to managing home, women show wonderful examples of decision-making. No matter whether she is housewife or employed, decision-making is something which can help her go a long way. Lack of decision-making has been observed in women with low self-esteem or those deprived from the love and care of the family.

Creating Health Awareness
Women are less careful about their health. While they are capable to take care of the entire family, they ignore their health. Therefore, awareness needs to be created among such women. They should also be aware about family planning, health care and reproductive rights. So that when they need, they can raise voice against any kind of injustice.

Build Positive Network
Abandoned women need more support which can be provided by building positive network. Women have the power to effect change in their communities. Therefore, they should be surrounded by people who boost their self-confidence and esteem be it at home or outside. Especially deprived women or those suffering from domestic violence need positive atmosphere. Once they are inspired and confident, they can help others too.

Creating Women Leaders
The best way to empower a community is to empower a woman. They should be providing with leadership training which can help increase their present in public. Many organizations extend hands to help women express their opinions in public. This should be started from home first. Women should be encouraged to attend seminars, participate in protest and organize the community programs.

Can’t live without writing, post-graduated, Uma M Singh found her love for writing in college days only but brought her passion into profession 8 years ago. She is a person of art, literature & music and always in exploration of something that could entertain the readers. Know more about her at http://www.connectwithuma.blogspot.in

Article Source: http://EzineArticles.com/expert/Uma_M_Singh/2083868

 

How to Plan Your Investments

Whether you are an individual or a corporate body planning your investments ahead is of at most importance. As planning your investments means planning your future financial status and meeting unforeseen with ease and confidence it has become life blood that makes your path of hardships a bed of roses. Planning your finances involve planning your inflows and outflows i.e., In short managing the entire flow of funds during a certain course of time.

Thus, it is a must for anyone to plan your investments well in hand so; that your future will be safe and you can encounter any issue with ease and comfort. A proper investment planning would make your financial distress also a bliss as you always have a surplus reserve for different unforeseen of life. The reasons for financial distress could be multitudinous but the survival rate is higher and quicker for those who are financially planned when compared to those who are not. For having a proper investment planning you must follow few but regular steps which will save you at the eleventh hour. Let us look at few steps that you must follow to cushion yourself financially and to get a tag of well investment planner.

• The first and foremost step in investment planning is to assess your income. Asses all your inflows, which must include any sort of long term or annual cash inflows that you are expecting.

• Once you assessed your cash inflows, the next major step is to set a goal that could be any specific aspect that you would like to achieve with the money you are going to save from this year onwards.

• Once you set forth your goals and assess your inflows the next step is to plan your savings. The other way planning your investments. To plan your investments well you must know what your risk coefficient is and how much profits you want to make out of your little investments. To know this you must look at variety of financial and demographic and socio- economic factors that affect you and your family’s lifestyle.

• Once you are done with the assessment of your risk coefficients and return expectations the next big leap is to set an investment strategy. Under this, you will choose among different investment alternatives that are available to you based on your risk and profit margins.

• Once you choose a basket of investment options, go with the ones that are convenient for you in terms of time horizon, maturity period and return margins and so on. Having a clear investment strategy would not only make you a good investment planner but also a supersaver to your own self and to your family at times of emergencies.

You must adjust your outflows i.e., investments as per your inflows and make a reserve to meet uncertainties’ as well as to have a comfortable life during retirement if you are an individual and to have long term sustenance if you are a corporate entity.

Article Source: http://EzineArticles.com/expert/Rizvana_Manzoor/1397216