Educating, Coaching and Protecting – The Work of a Guardian

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Studying for my insurance license has made me realize how much I really didn’t know about company benefits, life and disability insurance, all the way to critical illness and long term disability. Like most, I thought I knew what I was covered for; however, there are so many limitations that you have to familiarize yourself with as to not be surprised when the time comes for you or a loved one to make a claim. The more people I speak with the more I realize they have no clue either. Because this hits home for me, as my mother fell ill with cancer and then finding out that she didn’t have any disability or critical illness coverage, but I’ll share that with you in later posts. My ultimate goal and where I am most in my element, moving forward, is not to be that ‘greasy insurance ‘sales’ person’ but to really educate people while coaching them on how to protect their family, loved ones and estate. LIFE HAPPENS! We do not have crystal balls.

Learning more about this industry and sharing it with my network has presented real life stories of tragedies and noble planning. The ones that said they didn’t need it, or said that it wouldn’t happen to them are the ones that would have benefited from insurance the absolute most and of course they look back and hind sight is always 20/20. Although most may see this as another item stretching an already tight budget (and if your budget is already this tight then insurance is a must if you have nothing else to fall on), life insurance isn’t about the need for it NOW, it is about planning for unforeseen events and not leaving your family devastated as well as in debt. Let’s face it, partner or no partner, children or no children,  coverage is needed for your estate and immediate family. When you leave, someone has to take over for your material life and it would be a shame to leave that with a family member or partner who may not be able to and then putting them in a financial crisis.

Life and disability insurance is a safety net, a financial safety net. If you don’t think you need it I bet you can look back at a time where a family member, a friend or an acquaintance all of a sudden passed away or had a quick turn in their health leaving them or their partner stranded for income.  I remember a friend of a friend who had a heart attack at 37; she was a yoga instructor, a vegetarian, didn’t drink, never smoked. Another example, my friend’s father who was in better shape than the rest of his pot belly, beer drinking friends, and he had a double heart bypass surgery at the early age of 62. Remember the 30 year old who was rollerblading and fell, hit his head on the cement and died even with the protection of a helmet. One of my friend’s mothers suddenly died in her sleep. Remember that even if you are covered at work you are not really ever fully covered. And once you leave, get fired or laid off, your benefits do not follow you and if you wait until you think you need it your premiums will be much higher as you get older.

Thank you so much for taking time to read this very important entry as I embark on a new journey, yet with the same passion for helping others. As it would be my great pleasure and honor, I hope that one day you will allow me to sit down with you and your family to go over your current policy to ensure that you are making educated and sound decisions on the protection of your future and loved ones. Many blessings! @RinaChong

“If a child, a …

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“If a child, a spouse, a life partner, or a parent depends on you and your income, you need life insurance.”
Suze Orman

In this day and age not matter how careful you are in life accidents happen, obstacles get in the way. You have to ensure that you’re family is covered in every way and just because you have coverage from work doesn’t necessarily mean that you are covered. Read the fine print and make sure you have a knowledgeable and caring insurance agent to educate you on all that you and your family need to know about your needs should anything happen.

Growth Through Hardships

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Things aren’t going well? If you find yourself asking “Why is this happening to me?” often, there are two reasons why:

1. It’s fortifying you

2. It contributes to your growth

We’re not put on Earth to learn lessons. That is most definitely not our purpose. Our purpose is to be creators and work together and be happy as we contribute to the world together. Most may say that is in a perfect world. Whatever you think it it is, it shall be. The world is perfect just as it is, you only have to open your eyes to the beauty that surrounds you and focus on the positive. Sometimes we go through life with the best intentions and wonder why we deserve such pain, most of it is self inflicted when you really think about. How can someone do anything to you? They can do something horrible, sure, we have all experienced pain body individual in our lives that only know how to hurt others and of course you are allowed to go through the motions, but let me ask you, how long do you want to be in that negative space for? All the bad things that happen to you only fortifies you if you allow it to and only when you stop playing vicitim. Just remember that 2 years from now you will look back and it will only be a distant memory and if you allow it, I’m sure it has made you a stronger person and an even stronger person when you thank it for being a past experience and necessary contribution for your growth.

If you find yourself in the same situation again, take this opportunity to deal with it accordingly and from what you have learned from the last experience.  How will you handle it this time? What can you do differently that will bring you a different out come? When you are presented with the same situation again (abusive partner, bad business deal, being ripped off, being backstabbed) and you use your knowledge from the last time it happened, only then does that become wisdom. No matter how many books you have read, how many seminars you have attended, remember thisknowledge is nothing until you apply it to your life. You really haven’t ‘learned’ anything until it is presented to you again. What you do, being as mundane as some of the things seem to be, is all to prepare you for the future. To strengthen you so you can take on what is coming up next for you.

Being aware of the drama you are creating for yourself or for others and let Karma work by herself. If you are not happy where you are now then it is only a decision away to make a change. And if you are not happy where you are NOW, you will not be happy when you get THERE. You will not get anymore in life if you cannot appreciate all that you have now. Does that make sense? There is help everywhere, an unlimited abundance of resources; all you have to do is seek and find and ask and receive. Then there are those people that don’t practice what they preach and sing about love and collaboration when all they do is take and hurt. They are called pain bodies as mentioned before, and that is all they know, and trust me, like attracts like so be very wary of those people and people that are associated with them, guilty by association. I’m not talking about judging but using your common sense and being selective with you who surround yourself with. There is only so much you can do for someone before it starts taking away from you. Remember that helping someone should be rewarding for you within and if it starts to take a toll on your spirit or your bank account it may be time to reconsider your expertise.

Life is a series of events. When you are able to see things coming you will be more prepared and that means using your common sense and instincts. I can’t stress how much the Universe speaks to you daily, you just have to quiet your mind and meditate on  anything you are questioning. When you don’t listen the Universe it eventually screams at you and usually when it’s too late then you have no other choice and are forced to make changes. I have also learned that there are many hints that let you know when something isn’t right. So listen to them and you will find yourself in less sticky situations. When friends and family are telling you something it’s not because they are out to get you, it’s because they care for you. Don’t learn things the hard way. Be open and do your due diligence. Check out source and remember, all hardships are meant for your personal growth. Look beyond the pain and see the light at the end of the tunnel. You can do this because you were meant to handle all that God presents to you.

Thoughts are Things

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Whatever you put your mind to, it has to be happy, positive reinforcing thoughts. No matter who you pray to, with, for, or what you wish for yourself or for anyone, friend or foe, your thought is a formless subtstance but it is a substance in which all things are formed.

The way anyone does anything is a result of the way they think about things which leads them to how they do things which creates the truth of their reality. Things are made up by thoughts. Your body is made up of your thoughts. Your entire life is made up from your thoughts. All that was imagined is put into fruition.

When a producer has a thought about a movie, he puts those thoughts into action and that movie is created with other forms of thoughts that he shared in order to create the whole production.  Just like how a house is built by thoughts and the creation of other thoughts put into the plan. So much like your life! The only way that your ideas or dreams that you thoguht of will not work are your limitations to it not working out so if you want it work out think that they will. You thought it, therefore it can be real. Believe and take action because THOUGHTS ARE THINGS AND SO ARE DREAMS.

LIVE AND IN PERSON The REAL WOLF OF WALL STREET – JORDAN BELFORT Vancouver May 1 | Calgary May 2 | Montreal May 12 | Toronto May 15

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LIVE AND IN PERSON

The REAL WOLF OF WALL STREET – JORDAN BELFORT

 

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Right from the Smash Blockbuster Movie, Jordan Belfort the REAL Wolf of Wall Street (performed by Leonardo Dicaprio), will tell his story and share with the audience proven ethicalsales strategies to increase sales and profits in your business.

“What separates Jordan’s story from others like it, is the brutal honesty which he talks about and the mistakes that he’s made in his life….there is nothing quite like Jordan’s public speaking and his ability to train and empower young entrepreneurs…he is a true motivator.” -Leonardo Dicaprio

WHAT YOU WILL LEARN:

  •  The Straight Line Persuasion System will ethically show attendees how to increase sales, design a powerful vision for their business, how to use the most powerful business system devised and learn strategies and psychology to thrive in today’s economy.
  • The FOUR core elements of the inner game of sales. (These four elements are absolutely essential to your success. If you lack even one of them, you will end up actually sabotaging your own success!)
  • How to get into instant rapport with your prospects and how to use that rapport to gather massive intelligence. (Your prospects will be predisposed to trusting you, so they’ll tell you what their highest values are and where their pain lies.)
  • The art and science of Straight Line prospecting.(You’ll learn how to develop a multimillion-dollar sales pipeline free of tire-kickers, so never waste time again.)
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When: May 1 May 2 May 12 May 15
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“Jordan is one of the most engaging and motivating speakers in the world today. His life experiences are truly amazing, and what he teaches about selling with the Straight Line System is simply world class. If you desire to be at the top of your game as a salesperson, don’t miss this! ” -Craig Scoogie –CEO –NextDC

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Exposed – The No Makeup Challenge

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Surprise! Here I am completely exposed to the world and my heart is still the same even without the war paint. I have been a makeup artist ever since after taking cosmetology in high school then getting trained by Christian Dior and Nars and every now and then I do a gig. If you know me then you know I am a creative; I love to paint (you can see some of my work in my blogsite), write, make jewellery, design, style, and I have always loved applying makeup on people and enhancing their beauty and it always gave me great pleasure to see the smiles and look of surprise when I was able to bring forth their features. So like a blank canvas a fresh face is my favourite canvas!

I started to see some ‘no makeup’ photos of friends on my social networks and remembered hearing about this last year on a talk show and just yesterday my friend had posted one of herself and challenged me along with a few other women to post a no makeup photo. This was not a challenge but a blog post and a couple fresh shots of me after a good cleanse. Thank goodness I had just seen my aesthetician, Chelsea Stepura, last week because she gave me the most incredible facial after my sun exposed skin from Cancun and now I get an excuse to post my squeaky clean skin!

What’s the big deal about this no makeup challenge? Makeup is bad for you, it’s a crutch, you’re trying to be someone you’re not, your just trying to hide your flaws, etc. If this was the case then being exposed would be a challenge for some. I enjoy applying makeup, can I go without it? Of course I can: on the beach, to the gym, when I don’t need to represent or when I’m working at home I love going au natural. It’s like my Sunday shampoo and I make sure that at least once a week I let my hair dry naturally. I am perfectly happy with who I am inside and I choose makeup and skin care that is good for my skin. Whatever makes you happy. If you look good, you feel good. Am I addicted? No. But I do enjoy it as much as fashion. It’s fun and shows off your style and creativity. Yes, we are already unique in our own ways but there’s nothing wrong with being extra feminine and feeling extra beautiful. Unless you’re a witch as soon as the makeup comes off then that could be a problem or you need to pack it up Mount Kilimanjaro. Everything around is just an illusion anways, makeup, clothes, the car you drive, the house you live in should not define you. Like anything, do it or wear it for you. The only thing worse than wearing too much makeup is wearing the wrong shades for your skin tone. If anyone would like a mini online skin consult I would love to hear from you! Be you!

@RinaChong

BareRina

Reflecting in Cancun 2014

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Talk about disconnecting for a few days….that was definitely a first, losing your phone helps with that as well. I’ll make this short because I have to head back to the beach to work on the back side of my tan (I’m looking like a pancake that hasn’t been flipped yet). Things that I have most reflected upon my vacation on the beaches of Cancun so far:

#1 The Modern Ladies of Inluence Luncheon - I wanted to thank each and every single woman that came out to the event last Saturday, WOW WOW WOW! I have been on the beach meditating and feeling so much gratitude for the people that I have been surround by, I know that the challenges I have endured, the hard work I put in along with crazy late nights on the computer even after my day contracts have ended has put me exactly where I want to be and it doesn’t stop. I was floored to see an even higher number of women that come out to the event, an over sold out luncheon. I’m smiling from all of the lovely messages and the anticipation for the next luncheon happening April 5th! It’s always the last week where I am frantic about everything and then when the day comes I remember why I put these events on and my heart is smiling once again. The energy, the beauty and love in one room is so rewarding. I am so grateful for everyone that has been or is still part of this group and I am so honored to be able to attract the kind of people that are carte blanche, grade A spirits, high integrity and most of all self respect. If you haven’t registered for a luncheon yet, please check out the link above to see what these positive and enlightening gatherings entail. I connect and collaborate with only the best, it has always been a strength of mine and when this happens beautiful things are created; allowing everyone to shine so bright! I’m taking this nation wide and then heading south. Inspiring and changing bits of the world one luncheon at a time. Thank you, thank YOU, THANK YOU. Like us on Facebook and follow us on Twitter.

#2 Letting Go – and I mean really letting go. Learning and growing through self enlightenment. It has been heavy on my heart and for the most part it has always been easy to let things go until this particular situation. This time it has been harder as I was being bullied. I say ‘was’ because I have finally let it go as of February 1st. When I lost my phone Monday night a couple of things came into play. The first was that being bullied is not fun at all and that has been hard to let go; not only the being bullied part but I literally had to get authories to fight to get my belongings back from someone that I had done a ‘live in’ metabolic reset through. I was being taken advantage of when I leant out my vehicle to this person and she didn’t give it back. When I wanted it back she wouldn’t give it back, said I needed a letter to get it back, so she impounded my car and $200 later I got it back with my GPS smashed and all my CDs broken in halves. The back seat looked like a dozen dogs had a mud wrestling match in it.

The next has been my belongings that were in her place, I’m not talking about just a scarf or a pair of sandals, I’m talking about LV’s, Chrissy Lou’s, Kate Spade, part of my shoe collection, all of my best business clothes, jackets, the list goes on and a computer with all of my son’s baby pictures that I was going to make a collage out of for his 18th birthday next month, everything that I worked so hard for over my years, stolen. She won’t give it back. She has lied to the authorities and says she doesn’t have any of it. I struggled with this. Hard. All material things, yes, but it’s about the principle, the truth, I was imprisoning myself to this persons selfish ways and later found out that she has been sued before for doing something similar so this is just the way she works. People are the way they are. You can’t change them. When family or close friends or ex-coworkers of someone tells you to stay away from the person, they aren’t out to get you, they are trying to save you. That was my lesson x2. Yes, this is the second time I didn’t listen because it is their experience, not mine…so I thought. I never said I was perfect. I am learning and experiencing what my soul needs to for this lifetime.

Coming back to losing my phone. Be very careful what you wish for. I was still on the iPhone 4s and really didn’t like my phone since CES Vegas after I saw what Samsung was up to, best technology in my opinion. If anyone has an iPhone I’m sure we would have the same complaints, freezing, short batter life, pocket moving the apps, et cetera, et cetera. I was out for a night in Cancun and and from the restaurant to the cab my phone was gone. So there you go. I didn’t like my phone and wanted a Samsung and I was waiting for the phone to crap out so now I will get what I wished for. It was more about the photos that I took here the first couple of days, the phone I don’t care so much for. Now this comes back to letting go. I am free of the fight, the police, my friends and son have tried contacting her and she has blocked them, it’s her karma for keeping things that are not hers and clearly, I will get better replacement items as well as a new celly and she needs it more than I do. The point of this is about letting go but it’s also about going with your gut, if people are doing things that are not in alignment with your morals and values then that is how they will be with you in business. Ensure that people are who they say they are, check their credentials, make sure that your trainer or nutritionist is certified and looks the part. You wouldn’t get your hair done by someone who has bad hair, right? I am finally exhaling and just remember, any time is the right time to make things right with someone. Be wise about who you connect with as well as how you disconnect with people.  It’s a small world and bridges must not be burned. Sorry to hear that Calgary is -30. You should all be here on the beach with me!!!

With the intent of love,

@RinaChong