Interesting articles about insurance

<img src="luck.jpg" alt="Luck" width="300" height="188">

What role does Luck really play?

I thought we should look at the meaning of the word ‘luck’ according to Merriam Webster Dictionary.

Full Definition of ‘LUCK’

1a:  a force that brings good fortune or adversity

1b:  the events or circumstances that operate for or against an individual

2:  favouring chance; also:  success <had great luck growing orchids

So ‘luck’ is supposedly ‘a force that brings good fortune’. We will leave the ‘adversity’ for now.  It could also be ‘the event or circumstance that operates for you’.  Let’s not focus on the negative.

In other words, to become successful and have great ‘luck’, you need to enjoy the ‘force’ of favour. Who is the ‘force’? It is obvious to me, God of course.  To you it may be the ‘universe’ and to others, maybe ‘other gods’.

As a believing Christian I believe the ‘force that brings good fortune’ is my Lord.  I know that when I pray and am specific about any given situation and circumstances I am sure that it will be resolved in my favour.

I think ‘luck’ doesn’t have anything to do with it, I believe it is my attitude and my circumstance and where I find myself in life.

To my mind, ‘luck’ sure doesn’t have anything to do with it, we all need ‘good fortune, supernatural favour and success’ in whatever we aspire to be doing right now.  I confess boldly that I am blessed and I have supernatural favour with God and with man.  It is something I say and believe because it is true in my own life.

To enjoy supernatural favour with God and with man it is important; you will find that whatever you are working on will run smoothly.  You have that special anointing going for you.  People just seem to like you and that is what ‘Luck’ truly is.  Favour!

Author: Yvette van Niekerk

Biography: I have been writing my blog for the past couple  of years and have been on Google+ for some time.  I love trying my hand at writing and hope to become a good writer.  I pray each day the Lord will inspire me to inspire people around me and give me the creativity I need to face the day.



<img src="weather.jpg" alt="Weather" width="300" height="112">


This morning I awoke to a beautiful autumn day in Pretoria. The sky was blue without a cloud in sight. The sun was warming the earth after a night that had somewhat of a chilly bite. On the way to work I noticed some coloured leaves among a sea of green after the good rains we had this summer. Oh what a lovely day!  Doesn’t Pretoria have the best weather in the world!

I know one does not normally answer a  rhetoric question, but, I thought, let me check with a few friends who have moved to find greener pastures elsewhere. And this is what they said.


Emsie told me about their warm welcome but cold arrival in Canada some years ago: “We stepped out of the terminal building into a wind chill of minus thirty degrees Celsius. Our very warm, South African bought, down-filled, fleece-lined winter jackets were no protection against the knock-out cold that greeted us! That first winter seemed to last an eternity. We took a multitude of photos, which we proudly mailed to our relatives in South Africa, cautiously boasting about how well we are adjusting (although, many a day, we didn’t even believe this ourselves).”

However, despite the shocking cold every winter she finds joy in capturing “the stunning, awe-inspiring beauty of winter in the exquisite shapes of the snowflakes, and the vast stretches of every shade of white when the lake was frozen as far as the eye can see. Every year I marvel at the first signs that winter is drawing to a close, when the ice starts to crack, sculpting interesting ice shapes everywhere. Witnessing how the warm colours of the setting sun transform the multitude of transparent ice figurines into a magical winter wonderland, lends a whole new meaning to the adjective “breath-taking”. All winter long my delicate optimism is sustained by the surprising images I capture through the lens.”


Louise from England responded reminiscing about a cold, dark, wet winter’s day in London, but then the joy when spring arrives: “Glorious sunrise over Putney bridge as I open the curtain. It’s perfect weather for a bike ride to Richmond Park. The air is sweet with roses rambling over old stone walls. The whole city is in sport shoes! Moms pushing prams, toddlers on scooters, serious runners, cyclists in shorts and thousands of dogs with their owners! Everybody is outside.” Winter is past!


A friend from the Arabian Gulf shared her experience of summer: “It gets quite hot here. Not even the shade is cool. The water from the cold tap is warm. So you cannot even take a cold shower to cool down. During the warmest month the water in the Arabian Gulf is too hot for swimming. Fortunately we have air-conditioning everywhere which makes indoor life quite comfortable.”


I had hoped to once-and-for-all confirm that South Africa, despite all its messiness and trouble, has the best weather in the world. However, talking to my friends faced with extreme cold, extreme wetness and extreme heat, I realized that every place or season or situation has its own challenges and beauty.

Thank you to Emsie, Louise and Ida who shared their experiences, and who reminded me that our happiness is not dependent of external things like the weather, but on our internal things like our own attitude. What we experience, is our choice – be it wonder at the beauty and uniqueness of each season, be it acceptance of harsh conditions, be it finding joy in small things, be it living with a positive attitude and thankfulness despite doom and gloom around us. Indeed, beauty is in the eye of the beholder.

Author: Erica Ferreira

The author is an IT specialist who writes from time to time just for the fun of it.


<img src="credit card.jpg" alt="Credit Card" width="300" height="225">

Is Your Credit Card A Financial Tool or is it an Instrument of Financial Ruin?

Having a credit card is a liberating thing, even a sign of prestige. “Charge it!” Says the customer. “Charge it!” Says the retailer. “Charge it!” Says the bank. And, oh boy, do we charge! Financial experts agree that an inordinate percentage of South Africans are in debt over their ears. We spend money that we do not have and much of this spending is done with a credit card. Many South Africans are therefore forced into using a large percentage of their monthly earning simply to service their credit card debt.

The dangers of debt

Using a credit card is not necessarily a bad thing. If it is used responsibly it can be a very useful financial tool. If you use your credit card to buy luxuries, however, you are travelling on dangerous grounds. Do you face one of these dangers?

  • If you pay more than 30% of your disposable income on credit card debt the warning lights should flash. Those in this position most probably do not have the ability to save or to build up sufficient funds to deal with emergencies or to make adequate provision for retirement.
  • If your monthly income is not enough to completely cover your credit card debt you are spending more than you are earning. Sooner or later it will become impossible to service the debt. This may lead to desperate and expensive actions such as taking out a second mortgage or applying for loan. Experts agree that such actions almost always lead to financial ruin.
  • If, at any time you have to use your credit card because you have no other way of paying for necessities you are already in deep trouble.

It is never too late to take control over your finances. The first and most important step is make a firm decision to get rid of credit card debt. You pay an incredibly high interest rate on this type of debt and it would be foolish to incur more debt to cover credit card debt.

The next step is to manage your spending. Financial advisers agree that failure to develop a realistic budget and failure to adhere to such a budget is still one of the most basic sins South Africans commit. A budget can help you to limit impulse buying.

If you use your credit card wisely you can save money, but if you use your credit card irresponsibly you may be digging a hole from which you may never escape.