Interesting articles about insurance

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Why you are struggling to take control of your life

Do you long to take control of your own life? Perhaps you feel as you are nothing but a pawn in the greater scheme of things. Perhaps you dream of bigger things, personal triumphs and the ability to set your own goals and to pursue them in your own way. If you do, the first thing you should know is that you are not alone. Innumerable people dream of true independence, a self-supporting life and control over their time, money and efforts.

Unfortunately, the vast majority of these dreamers (and perhaps you too!) will remain just that: dreamers. Did I hear you say that it is cruel and discouraging to say that you are not likely to succeed in your quest to take control of your life? It need not be; not if you take steps to actually make your dreams come true.

The difference between all those people who fail to achieve their dreams and those that say to themselves “take control of your life!” and then actually go ahead and succeed in doing so comes down to one simple thing. The latter stops dreaming and take positive action. Here are three of the most important factors that can prevent you to take control of your life:

  • You are scared.

Maybe you have a family and you need to look after them. Maybe you have seen others fail and crash. Perhaps you simply fear failure itself. Think about this: responsible adults do not depend upon others for their personal security. They take responsibility for their own lives and the well-being of their loved ones. Of course it is scary, but all heroes have to overcome their fear before they can become heroes!

  • You are lacking in knowledge and knowledgeable resources.

You do not have access to expert advice and you do not know where to begin. Why not pay a visit to INDIVINEUR and see just how much sound advice and learning resources there are for your personal use?

  • You are lacking in support.

Nobody ever said that you should take control of your life in total isolation. Of course you need support and advice! Of course you need to interact with other, like-minded people!

Make a decision today to take control of your life. Be yourself and be all you can be. You can! Like I said, go have a look at INDIVINEUR and then get going.


This article originally posted on and re-posted here with permission.

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Why should you take responsibility for your financial future?

From a young age, one of the most important priorities in you life should be to take responsibility for your financial future. So many South Africans live on or under the bread line. Instead of enjoying their retirement years they worry constantly about survival. Sadly, many people in such unenviable situations have only themselves to blame; when they were earning they simply never planned for the future.

South Africa is not a socialist state in the true sense of the word. This means that it is not the responsibility of the government to take care of its citizens financially. You have to take responsibility for your financial future and the longer you wait the more difficult and expensive it is going to be! A sound financial plan for the future should cover at least the following issues:


Accepting responsibility for your financial future means that you must make sure that you will an income that will be sufficient to support a comfortable lifestyle. A financial adviser can help you to determine your most probable future needs. This can then lead to a comprehensive plan that will ensure income from various sources such as a pension fund, investments, income from rentals and dividends from a responsible share portfolio. Experts agree that the best course of action is to make sure that you have various sources of income when you retire. A catastrophe such as a stock market crash, for example, will then not leave you destitute.

Plan ahead

Wise people plan for the worst possible scenario. When taking responsibility for for your financial future you cannot afford to make assumptions. You need to think about the possibility that you may contract a debilitating disease, become disabled and dependent upon full time assistance or that you or your spouse may need to move into a high care facility. True, nobody wants to think about such things, but if such a calamity does occur you surely want to be able to pay for the very best care available. 

If you do not take responsibility for your financial future you are setting yourself up for a very difficult retirement. You cannot assume that your children or the state will care for you. It is never too late to start planning. So, have a good look at your financial situation and do something positive.


This article originally posted on and re-posted here with permission.