Webster’s definition of a freshman is: a 1st year student. As a parent, you see your college freshman as much more than that…this is your baby boy or girl getting thrown out into the big, cruel world. There are probably a myriad of emotions running through you: excited, insecure, exhilarated and downright scared. Keep in mind that, as your college freshman is frantically packing up his belongings to move into that dorm, he is more than likely feeling those very same emotions…times 10!

Here are some tips for you to help your young adult make the transition to college:

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What does your calendar look like? Is it a pocket size notebook, a monthly calendar, a journal, or a planner? Is it paper or electronic? The style you choose will depend on your “personal organizational style” and your lifestyle. However, no matter what style of calendar you choose, it is a very powerful tool. Your calendar is a tool you use to create your life. This is the place where you make decisions about what gets to be part of your life and what doesn’t. When someone invites you to an event, what is the first thing that happens?

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“If you can’t send it to me in the mail, I don’t need it.” Those were the words I heard from 62 year old about to lose his group term life insurance. He knows he needs to get life insurance, but doesn’t want to take the time to talk to a real person.

The gentleman isn’t alone. Nor is he the only person who will probably buy something he doesn’t fully understand and then blame the company later on.

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Many people write to me with questions about aging. Although I am certainly not a geriatric specialist, I do have some personal thoughts on how we might reduce the effects of aging. I do NOT believe that as we age, we automatically acquire age-related conditions. I believe that we induce them by not caring for ourselves as we should. Sure, some of our physical experiences are inherited, yet there is so much we can do to slow things down.

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The inspiration from within creates our world without. When we offer the best vibration possible in each moment our world becomes like clay in the hands of a skilled sculptor. Amazingly enough there are few of us who take responsibility for our vibrational offerings. Perhaps in this culture we value thought above all else even when the thoughts are the very things making us feel bad.

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What do you mean by Mortgage Protection Insurance?

When we buy a new home, or refinance our old home, we can be sure to get many offers for mortgage protection insurance. They usually come in the form of postcards are letters which offer insurance to cover your mortgage payments if you die or become disabled. Sometimes they will mention mortgage coverage if you should have a critical illness, and also a note that premiums will be paid if you are unemployed or disabled. So just what is this special sort of mortgage protection insurance?

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