The Best Christmas Gift You Can Give Yourself or Anyone Else: Simplicity
I had to laugh when I read that quote recently. I particularly remember a time in my merry life when I had two sons, 3 dogs, my clothes filled two
closets in my home, I owned Madeleine pans, exotic juicers, a regular and a gourmet coffeemaker, 3 sets of flatware, 10 tableclothes, 10 sets of
placemats for 6 or 8, and formal china
tablesettings for 12 - and most "cluttering" of all, a social calendar that was unmanageable.
Life is a series of stages, and there is the "acquiring" stage.
However, there came a point where I felt
overwhelmed by my "blessings" and took a look at what was going on. At the time, my boyfriend, who was a stock broker, kept saying, "Simplify,
simplify." He lived what I considered a "Sparten existence."
It caused me to take a look at the whole picture. I was exhausted all the time. I went to a therapist; too bad there weren't coaches then. She said I was "trying to do too much." I
interpreted it that I wasn't capable of handling all these things, and redoubled my efforts.
Coaches make things more clear. "Why are you doing what doesn't bring you pleasure?" would've been the question to ask. Eventually I asked myself that question and here are some of the things I did.
THE CLOTHES
I was still operating from an old childhood scarcity-mentality. I never had "enough" clothes in high school, not because my parents couldn't afford it, just that they didn't want to spend
their money on that. I started babysitting rigorously to buy myself clothes and makeup and stuff. Not a bad thing to do, but I realized that
time was over. I gave a number of things to Goodwill, set aside a space-allotment, and stuck to it.
I did have to "dress" for my profession at the time (PR), so I chose two outfits I could accessorize in infinite ways. Scarves, jewelry and pins take far less storage space!
THE DOGS
Two were strays we had "adopted," under pressure from my good-hearted son. However, they were difficult dogs, not having been well-raised, and took far more work than our original family pet.
I decided to give up this rescuing mentality and at the same time educate my children. We found good homes for two of them, and the family pact
was "no more." We stuck with our one chosen, well-cared for, and well-trained dog.
THE ENTERTAINING WARE
That's a hard one. It's been an abiding interest and love in my life, to entertain with all the accoutrements. I decided that was an okay hobby, but to stick with what I had for a long time. How many sets of Christmas tablemats does one really
need?
THE COOKWARE
Life is choices. I could eliminate a lot of these things by turning to fast food, eating out, less elaborate meals. I decided this was not something
to sacrifice. There are health benefits to wok cooking, steamers, double boilers, etc., and "happy"
benefits to beautiful Bundt cakes. My youngest son particularly enjoyed the camaraderie of a fondue meal. Our family dinners were fun for all of us, and a good thing, and I didn't want to sacrifice that for "convenience."
Not everything in the enriched life should be "efficient."
THE FINANCIAL PICTURE
My stocks were scattered all over the place, and we consolidated. It seemed risky to me to "put all my eggs in one basket," but we did, and it resulted in a nice financial gain.
THE ORGANIZATION
I decided it wasn't all that I had that was the problem - many of them were valuable to me and my lifestyle - it was the organization of it all.
One thing I did was buy containers, for instance, "fall decorations" and got everything in one place. I added to the box my apparel for that time of year - autumn sweaters, accessories, and
jewelry. I labeled them clearly, stacked them in one place, and felt better about it all.
I tackled the gift-producing area. I had a bow maker, rolls of paper, ribbons, ready for every occasion. It was a time when the boys would be
invited to a birthday party quite suddenly, and it kept me from "running out" at the last minute to buy the wrapping. This I decided to eliminate.
The storage space required and the clutter were not worth it, and it seemed I never had the right thing anyway. I bought 10 generic gift bags with white tissue, appropriate for any age or occasion.
Also, seeing myself "burdened" by the gifts coming my way - that teddy bear statuette just wasn't "me" even if it was expensive crystal - I switched
to what I call "disposable" gifts. Sending someone a floral arrangement, or a basket of fruit, or a Honey-baked ham would note the occasion, but it would "go away" and they wouldn't
have to find a place for it.
I have never been comfortable giving money, but gift certificates seemed possible. It showed at least a little "thought" and "effort," the two
things I find missing in gifts of money. (Not that I've ever refused one!)
For those with no material needs whatsoever, I would donate money to a charity close to their heart. That is greatly appreciated by most people. Charities list in their newsletter the
gifts made in honor of, or in memory of, others, and that's a nice touch.
Re: the people in my life, I took a look at the investment-return ratio. Some of them, I had to admit, were a drain. With me being in a helping
profession, some were "using" me for free counseling, while making no improvements in their lives, and that didn't give me the friendship I needed, or provide for them the counseling or
coaching they needed.
I made a list of the people who really meant something to me, with whom I had strong mutual bonds, and I whittled away at the ones who didn't contribute anything to my life. We call this in
coaching, "getting rid of tolerations." Yes, people can be "tolerations" and I think this is
one of the more important "ah hahs" Thomas Leonard, the founder of coaching, gave to the world.
I eliminated immediately the ones who were a negative drain on me, and took a closer look at ones wanting entry. I quietly discouraged some "friendships" from ever occurring in the first place. Life is choices.
I believe that our lives are greatly influenced by the 5 people we spend the most time with. I made sure the Top 5 were the ones I wanted and needed them to be.
META-THEORY
I decided to slow myself down at the checkout counter. I disciplined myself for 6 months. I would not make any impulse buys. I would go home and consider it. Usually it wasn't worth the effort to go back.
I would not go shopping to "window shop." There's no such thing! There's always something attracts my eye I think I "must have."
Shopping would be a necessity for essentials, not Saturday afternoon entertainment for me and the kids.
I put more thought into the things I gave others so as to slow the flow into their lives as well.
READY FOR THE NEW YEAR
As you participate in, or observe, the shopping frenzy of the holiday season. Ask yourself, "Why am I doing this?"
Good reasons are:
�It's meaningful
�I enjoy it
�I know it's something I can afford and know it's
something they need or would like
Bad reasons are:
�I don't know why
�To keep up with the Joneses
�Because I always have
�Because you're supposed to
Oserve closely your own behavior. That's the beginning of making positive changes.
It's the emotionally intelligent thing to do!
©Susan Dunn, MA, cEQc, The EQ Coach�,
http://www.susandunn.cc . Author of "How to Live
Your Life with Emotional Intelligence," (
http://www.webstrategies.cc/ebooklibrary.html )
and The EQ Foundation Course©, 12 modules on the
Internet that can change your life:
http://www.webstrategies.cc/EQcourse.htm .
Coaching for all yours needs; Emotional
Intelligence always included.
Mailto:sdunn@susandunn.cc for FREE eZine.
What Is Homeowners Insurance Coverage?
Tim Gorman
Before attempting to find the best homeowners insurance coverage you should make sure that you are familiar with what homeowners insurance is and what it can do for you. A standard policy provides financial coverage to your house and the property within the house. Natural disasters, theft and other maladies that can occur are usually covered in your policy. Some exceptions include flood and earthquake protection, which require additional coverage. Another feature that home insurance covers is damage caused by household pets and any legal liabilities to anyone caused harm by yourself or family members on your property.
The amount of house insurance you may require is based on 4 areas: Home structure, personal property, liability for protection to others and some additional costs associated with repairs to your home.
House Structure - Always make sure you obtain enough insurance to cover the cost incurred to rebuild your current home at today's market prices in the event a natural disaster should take place. You don't really need to include the cost of the land and you shouldn't base the amount on the price you paid for your house as the cost of rebuilding fluctuates.
Personal Property - As much as you value your personal possessions many insurance policies will only provide coverage between 50% and 70% based on your current homeowners insurance coverage. You play a big part in making sure your property is properly covered so make sure to do an inventory listing all of your possessions. Try to be as detailed as possible, after all this is your property and you deserve to be reimbursed if anything bas happens. You'll have to be careful in this area. If you own expensive jewelry or furs then you should seek out additional coverage through a floater or endorsement policy. In most cases an insurance company will only compensate you $1000 to $2000 for jewelry or furs that are stolen or lost in a fire. I can relate a true story to you where my wife and I had $12,000 worth of jewelry stolen and were only reimbursed $1000 because we didn't have additional coverage for her jewelry collection with a floater. The lesson learned was always to make sure our possessions were accurately and correctly insured against future losses.
Liability Coverage - This part of your homeowners insurance coverage provides protection for you against lawsuits for bodily injury or property damage that you or family members cause to other people. It also pays for damage caused by pets. It pays for both the cost of defending you in court and for any damages a court rules you must pay. Although many insurance companies provide $100,000 worth of coverage, it's a good idea to increase that amount to $300,000 or more.
Additional Costs - This pays the additional costs of temporarily living away from your home if you can't live in it due to a fire, severe storm or other insured disaster. It covers hotel bills, restaurant meals and other living expenses incurred while your home is being rebuilt. If you live in an area with a high propensity of natural disasters then you definitely want to make sure you're adequately covered here.
Hopefully this information detailing what homeowners insurance coverage was helpful and gave you a better idea of what your standard house insurance policy is comprised of.
Timothy Gorman is a successful webmaster and publisher of Best-Free-Insurance-Quotes.com. He provides more insurance information and offers discount auto, life and home insurance
