Monthly Archives December 2009

The Age of Extravagance is Dead

And so it is that the world we live in has reached an historic turning point.

This is a matter of such Global proportions that no living soul can ignore it and maintain a clean conscience.

Consumerism and capitalism have failed us all and so as a RACE we must make a decision.

Do we wait for our governments to tell us we have to take action? If we look back over history many of the problems of the present have been caused by government legislation and twisted politics that have been all about power and not about wellbeing.

For centuries the common man has been considered a very small wheel in the cog of industry fuelling a perpetuating cycle that sees the rich stay rich and the average man dream of being one of the rich ones.

The media also has a lot to answer for but they are also just pawns (very rich and influential ones) in this self perpetuating cycle of planetary destruction and misdirection.

So now it falls to us. The small wheels.

We are all responsible even though many of us prefer to blinker ourselves to the reality of what we do everyday.

We buy produce in wrapping that can’t be recycled which ends up in a hole in the ground (who’s idea was landfill? they need a smack!).

We turn up the heating instead of putting on a jumper.

We throw away tons and tons of perfectly good food!

We waste water by leaving the tap running when we brush our teeth.

We are, as a society of Earthlings, generally crap at giving a crap.

Now is the time to start opening our eyes to the bigger picture.

If someone asked you if the fate of the entire planet depended on you to make a few small changes to they way you live, would you do it? Or would you think ‘it’s not up to me’ or ‘why should I’ or ‘I can’t be bothered’…..

Careless displays of waste and excessiveness are now considered acts of vulgarity and people who waste, squander and consume more than needed are soon to be considered lesser citizens in the eyes of society.

We must all be more careful.

We must all use less stuff.

And you know, even though I don’t have a great deal of faith in the human race, I hope I will be proven wrong and I hope, I really do, that we, as a planet, joined together with a single aim in mind to protect ourselves as a species, will step up, take responsibility and make a change for the better.

I drive slower, wear thicker clothes in the house in winter, eat everything I cook, turn things off stand-by etc.

What are you doing to change the world?

I just don’t get it

I became qualified to provide mortgage and protection advice in late 2007. It’s been quite a ride.

When mortgage business started to dry up I focused more on protection such as life insurance, income protection etc. (The percentage of mortgage advisers who don’t even discuss how to protect the debt is staggering! Which is probably one of the reasons why a lot of people don’t appreciate how important it is.)

I have a mortgage, I have life cover. I am one of those people that just feels a lot more comfortable knowing that if I died the debt would be cleared and my family could stay in the house without having to pay a mortgage. I pay less than £15 per month for the peace of mind.

But, other people aren’t the same. Many see life insurance as an additional hassle.

I recently spoke to a potential customer who has a mortgage a wife and children and they’ve been procrastinating for months. The latest excuse was ‘I’ve just had to do the building’s insurance so I think I’m going to leave the life cover for a while….’

That, I just don’t get.

I know I could go on a sales course to learn more intricate ‘objection handling’ techniques but when I get flabbergasted I sometimes struggle to find the resolve to persist. It is nothing short of a brick wall repeatedly meeting my head.

I know mortgage companies insist on building’s insurance but if it was a toss up between the carpets being replaced if a pipe burst or my family being made homeless if I died, I know which one I would arrange first!

I’d be interested to know what other excuses people come up with to dodge the subject?