Make Money

Sounds easy ... Make Money ... then why is it then that so many people have such a hard time doing this simple thing?

Or do they?

In one way or another, everyone does make money and in some cases, some people have money made for them.

Money made for them?

We look at people that are "feeding off the system" or are they "on welfare" or "social assistance" and feel that they are just sponging off of society, right?

What if this was actually very close to a millionaires mindset?

WHAT?

Yea!

Here is the thing, the difference and the only difference is that millionaires are giving more service and as a result, they are being compensated by society.

So it would then stand to reason that the people in the middle are the fools, right?

Yep!

Millionaires understand how to have money made for them, it is called leakage, they are in the position of service, offering a product, service, opportunity, leadership or any combination of these and they get paid by the same society that pays the people that we see to be sponging.

Do I endorse Welfare or Social Assistance, yes I do. I endorse it when the person in receipt of it does not have the means to provide for themselves. Everybody else that is on it just needs to understand that they are mean for greatness. They should wake-up to that fact by taking action in their life, setting some goals (start with very small attainable goals) as I suggest in this article I also wrote: http://ezinearticles.com/?Success-Is-Attained -By-Focusing-On-Your-Goals --- Simple-Guidelines-Revealed-Here & id = 259438 then going for and attaining them, is what they are meant to accomplish in life.

I also believe that people working in a job are actually not in a much better place. They are dependent on a pay check every couple of weeks, most are unhappy (I understand it to be 90 percent) and as a result, they do not put in 100% to their job. Anything less than 100% means that they are getting compensated for something that they did not do.

So here it is, make money, discover and then do something you are really happy doing. Yes, it may start off uncomfortable; you may have to fight for it, but is your happiness and your greatness not worth fighting and taking risks for? Failure is always an option, just as I wrote in this article: http://www.ezinearticles.com/?Failure-Is-An-Option!&id=233194 Take some time to assess your choices, there is always a choice.

We are all mean for greatness, we are all mean to make money and yes, it is easy.

If you have faith in yourself and do something that you love to do, it will never be a job; it will be the foundation to your life and a legacy for the future.

Now all you have to do is figure out what you are meant to do and obviously you are close, or you would not be reading this article. If you need a hand to learn how to make money, give me a call, I am happy to be of assistance; guiding people to greatness is what I do.

Camping Themed Lesson Plans

Try these 20 camping theme activities with your students.

1) How many words can you make out of the word camping? (eg pan, map)

2) Unscramble these three words: ihsfgni - mpfrieca - otcrh

3) Put these words in alphabetical order: mosquito, sleeping bag, tent, camp fire, stars, matches, mattress, torch and marshmallow.

4) Write three adjectives (describing words) you could use for marshmallows.

5) Write a menu for a camping dinner. Include a drink and desert.

6) List five things you might want to put in a first aid kit if you were going camping.

7) If you could only take 6 things with you when you went camping what would they be?

8) What sounds might you hear at night in a forest?

9) What sounds might you hear at night at the beach?

10) Write three reasons why camping is better than staying in a motel.

11) Design your own tent. Draw a diagram and label three features.

12) List ten camping related nouns.

13) Draw a picture of the type of shoe you might wear when you are camping.

14) List five animals you might see when you are camping.

15) Name three dangers you need to be aware of when you go camping.

16) Draw a picture of the "perfect" camping spot.

17) List five inspects you might see when you are camping.

18) What would you do with your time if it rained when you were camping?

19) If there is no sink to use, how would you wash the dishes when you are camping?

20) Name three things you could use a plastic sheet for when you are camping.

Preparation Is Key With Locksmiths

Locksmithscan be funny. Some are awesome at delivering quality with good value for money, while others will rip you off whilst doing a half hearted job. Some also do a great job, but then hit you with a totally unfinished sum at the end of the job. All this can be avoided if you do your homework and prepare some questions and questions beforehand. This is especially important for larger projects like whole security system installations, and commercial projects that require a bit more funding and logistics. For emergency callouts and similar jobs it is a bit harder, as you need a service quickly, and have less time to sit and think.

Firstly, you will want to know an estimate. This is basically an estimation of what it will cost to install the system. It is important to request a total cost. This will include time and labor, and the cost of each piece of equipment being used in the system installation. This way you will not be unaware of any hidden costs or things you think you should not be charged for. Secondly, it is essential to ask how long it will take. If you know a time scale, you can plan around it, and also make sure that locksmiths are not taking you for a ride by spreading the work over months and months in order to get more cash.

Make sure you ring around several places for estimates and time scales. How do you know you are getting value for money if you only contact one company? Look up reputable companies with positive experiences and testimonials on the site or phonebook where they advertise. This way you know you are dealing with real professionals. Make sure you contact locksmiths by phone, this means that they are willing to talk as a real person, and not through some contact me form on a website.

Driving Schools or the Driving Instructors?

So much to talk for, so less to write; as it has been a debate whether it is the driving institutes that matter the most or is it the driving instructors. A very simple conclusion could very well be the fact that the reputations of driving schools are actually run by the efficiency of the driving instructors. And that driving instructors are after all nothing but employees of the driving schools. The best point that comes in to play is that they are both complementing each other and that no one has ascendancy over the other. After all, it is all about keeping the driving instructors motivated enough to love their job and perform it with the best of their ability. But once again, pure efficiency of the driving institutes lies in the hands of the driving instructors so it is basically a two-way process.

When talking to a number of individuals who have been associated with the driving institutes in the UK either as part of the administration, as driving instructors or as students; All have been of opinions differentiating from each other. Many simply said that it's the reputation of the driving institutes rather than that of the driving instructors since the driving instructors are known and recognized by the driving schools only. But a few students also explained as to why they often switch from one driving school to another and that is simply because the instructor they are comfortable with switches jobs. This once again leaves us to the confusion whether it is the driving schools or the instructors for driving that matter the most.

Driving in the UK is different as compared to any other country. Driving institutes often add values such as discounts and change of routes and timing convenience in order to pull more and more customers towards their portfolio. Many driving schools also offer experienced and well-known driving instructors as part of their staff in order to attract through the goodwill of the driving instructors. This now has a contrary effect on the previously mentioned discussion and it is evident that driving institutes benefit a great deal from the instructors as well.

Much said, driving institutes also offer a great deal of challenging drills when it comes to making the pupil perfect in the art. Such kind of diversity in offerings is what you usually find financial institutes and banks do and even with the fast moving consumer goods industry. Instructors for Driving are definitely a source of due attraction that eventually lead to such institutes being more and more evidently efficient in their offerings.

Since the discussion of whether driving institutes draw more customers towards the business or it is the instructors that do so would continue for a long time to come; the job that is on hand is of great importance. The best driving schools are those that apply a mix of both in the offerings and prepare a detailed sketch of all that they are supposed to deliver.

The best in the business as per my analysis has been London School. Whether it is the variance in packages that they offer or it is the nature of driving instructors, the London School has been the best in the business. Log onto Driving schools Merton and get yourself registered with the most effective and affordable driving school in the UK.

Jesus Taught the Law of Attraction - Part 1

The Law of Attraction is a popular phenomenon that promotes the theory that you can attract anything you want into your life by thinking about it. Now, this is a 30,000 foot view of the Law of Attraction, because upon closer inspection, there are many other factors that are needed to insure success for manifesting what you want into your life. Religious fundamentalists have criticized the Law of Attraction because of its emphasis on seeking material possessions and because it looks like the Law of Attraction places the power of creation solely upon the individual, as opposed to God, which is not a concept embroidered in fundamentalist religious ideology .

The Law of Attraction gained its popularity by the huge success of the book and movie, "The Secret". If you use only "The Secret" as an argument against the Law of Attraction due to the movie / books simplicity of LOA (Law of Attraction) principles and the hedonistic tone of the movie, I may have to agree. But, the true value of "The Secret" was the mass exposure the book / movie provided to the general public about the concept of LOA. Before the "The Secret" was produced, the idea itself of being a participant in your own life design was totally alien. There is no doubt that the prevailing attitude of our current culture, whether you're religious or not, is that we are all victims in a tough world, and I thank "The Secret" for opening the door of opportunity to see the world differently .

The initial first look at the principles of the Law of Attraction in "The Secret" was a good introduction, but ironically the true principles of the Law of Attraction have been around for over 2000 years, in fact, they were taught to us by Jesus . The Law of Attraction, when studied deeply and from a metaphysical level, is really an opportunity to live our lives the way that Jesus taught us to do, infinitely and abundantly.

"But seek ye first the kingdom of God, and His righteousness; and all these things shall be added unto you." (Matthew 6:33)

At first glance, Jesus words above might simply that we have a huge task to fulfill before we can get to the good part for us, (things added until you). But although the above words from Jesus holds more to it than we thought possible before.

Many traditional religions teach that life is successful, happy, fulfilling, etc., or not, by the manner in which we conduct ourselves according to the religious rules / principles, and by doing so, we create a positive or negative flow into our lives . (seek the Kingdom of God first THEN the you will be rewarded accordingly). Yet, a devoutly religious person may do everything their religion says they should do, and yet still experience great hardships and suffering in their lives. This is sometimes attributed to being the will of God or part of a plan that God has for you. Or, these hardships may be because you clearly have not been "seeking the Kingdom of God first". While there may be some spiritual sanction in the text for these traditional religious beliefs, the precept that you are not a participant in your own life design, other than to live by the rules mandated in order to receive your blessings in this life or the next , is highly subjective and clearly interpretive. Religious themes leave out the fact that as a child and image of God, that you, yourself, have amazing power as well. The find God principle taught in almost all religious belief systems, is what I call the top down approach to spiritual connection. God is above and we are below and it is our responsibility to reach out to God by following these rules and opening our hearts and then all should be pretty good for us in the here and after after. In the approach, we start with a baseline of separateness and use religion and ideology as a way to connect to God. In other words, we do not go to church to learn about our power because of our inseparable relationship with God, instead we learn what God has done for us already, separately from us, to encourage us to connect to a relationship with God.

The notion of learning about God, and I mean connecting to God in a serious intimate and powerful way, comes by first looking inside ourselves and therein finding God. This is what I call the bottom up approach to connecting to God. In this approach, our baseline starts with us being ALREADY connected and using our own Divine power within to discover and awaken to God and the Divine Universe, which includes the LOA principles. It is in this approach to spiritual connection and personal empowerment that true LOA processes begin.

So another interpretation of our earlier Bible verse that may more closely align with our innate power and divine inheritance is:

"But seek ( discover, obtain ) ye first the kingdom of God, ( the divine power of God manifested in you ) and his righteousness; ( God's qualities, such as worth, value, abundance, and joy that is already within you ) and all these things ( human and spiritual wants and needs related to what you find within you ) will be added to you. " (Matthew 6:33)

And to support the kingdom of God verbiage (because without the following words from Jesus, the kingdom of God could be construed to be some faraway or unknown place), Jesus clarifies for us where the kingdom of God is located.

"Either shall say, Lo here! Or, lo there! For, behold, the kingdom of God is within you." (Luke 17:21)

The Law of Attraction also teaches that in order to manifest the things that we want to see realized into our lives, we must go within as well. The greatest LOA teachers will equate the powerful visualization and certainty of our strongest desires to a heartfelt calling from your inner divine being. Manifesting a new trinket for pure pleasure may be possible by the power of a strong energetic will, but this parlor trick is not a true Law of Attraction principle. LOA principals operate from a fundamental covenant that God and man, cooperatively manifest from the infinite possibilities available within each one of us (kingdom of God within).

The exact Law of Attraction definition simply states that "like contracts like", which is another way of saying that we live within our true beliefs. So, the best start for a successful LOA practice is to think and act from our existing beliefs (go within). Certainly it is possible with a strong belief, and an undeniable firm conviction, to manifest just about anything. But for those only looking for a new distractions and material possessions to manifest for the purposes of status, ego gratification, or neediness, then you have missed the true power of the Law of Attraction. You may be able to apply LOA principles to get what you want, but then next day, the want will still be there. The bottom line is you can think and attract all you want, but the core element of practicing a successful and strongly beneficial Law of Attraction practice is first starting within to manifest from a divine and authentic belief system. Know where your power comes from, which is from the kingdom of God within you. Applying the LOA principles from a position of divine strength, by going within, to see the enfoldment of all the "things" that will be added to you (through our beliefs), is the Law of Attraction being practiced as Jesus taught.

Now, the next steps in a successful Law of Attraction practice were also taught by Jesus in many different examples in the Bible. We will address the next fundamental step of LOA principles, which is your belief in the power of manifestation and what you are manifesting, in Part 2 of this article. For this article, the main concept to consider is this: The Law of Attraction is a process of living a life of unlimited potential within your own Divine authority (kingdom of God within). We all have the ability to do this, but the reasons we are unsuccessful at it are: we ask and desire from an inauthentic mindset (our desires do not match a true need that wants to be met), we do not really believe in the process or in the thing that we are asking for, and we do not "live" within the Divine authority to create the life we ​​want. All of these problems with the LOA process will be addressed in the next segment of this article and additional teachings of Jesus will be referred to demonstrate how Jesus also taught the Law of Attraction.

Summary

Law of Attraction - Like Attract Like

Step One - Before you go manifesting things like, days off from work, cars, money, or for your ex-husband to get the crabs, you MUST identify what you really want and where the want comes from. Want that comes from neediness, resentment, revenge, unworthiness, fear, and lack, are inauthentic wants (meaning they come from the ego and not from the divine higher self), and you may succeed in manifesting some of your wants but they will never satisfy the authentic need. This does not mean you can not manifest material "things", it just means that your manifestation must come from "within" to be a true Law of Attraction principle in action. This is why Jesus instructs us to find the kingdom of God (within) before the things are added to us. Know where your power comes from and understand what your true wants are.

Proverbs 29:18, "Where there is no vision, the people perish."

Choosing a Rack Mount Power Distribution Unit for Computers and Network Equipment

The power distribution unit (PDU) utilized in data centers has been enhanced from its original design. Numerous features have been integrated to keep pace with the ever evolving information and communications technology (ICT) industry. Moreover the popularity of personal computers and the internet generated a huge need for more data centers including devices to power all the hardware devices. Thus clever power management of power boards was an illustrating necessity for ICT staff to establish better practices in the implementation and the monitoring of electrical equipment.

A PDU can be referred to as a 'rack mount power board' in the ICT industry. The name rack is utilized because the PDU are installed inside internationally standardized cabinet housing equipment that conform to the same rack size. For instance the cabinet equipment such as servers, network devices and other power related equipment are manufactured to specific rack sizes. Moreover a common rack size is 19 inches (482.6mm) wide where the measurement is taken.

19 inch rack mount power strips have outlets to connect electrical power cords from servers and network equipment. Additionally, the power board can utilize, for example, 6 power outputs, or as many as 20 outputs integrated into the power board. Furthermore these units can be mounted horizontal, vertical and even floor mounted. A data center may require features like surge overload protection, thermal magnetic fuses and inbuilt power meter displays for monitoring purpose.

The remote device monitoring in data centers and server rooms enhances the daily-operations for energy management. Authorized ICT staff can remotely access and control PDU to ensure the computer network devices uptime is maximized. Furthermore remote power management allows staff to be alerted of problems promptly. Additionally power consumption can be monitored for analysis, stability, capacity planning and reporting purposes to senior management. The information gathered can provide valuable insight to power consumption for the network.

PDU aka power strips in some countries will have a specific power rating; this should be checked before interconnection between hardware. The power strips utilized in cabinets with multiple servers can draw high currents. Voltage, power and current ratings require attention during the planning process. In addition, even though manufacturers are becoming more environmental-friendly the actual power consumption of hardware in data centers is high.

The power strips can have mixed output socket configurations such as IEC sockets and general purpose outputs (GPO). Some suppliers can even customize the PDU for you in specific layouts for large orders. IEC power boards are ideal because they require a specific interface type for connection. IEC power cords can be connected to suitable IEC power strips, uninterruptible power supply (UPS) and server equipment.

Some power strips are available with outlets on both sides ie front and rear surfaces of the power board. Additionally there are power boards rated to 10 amps and 15 amps. You'll find the earth pin on the 15 amps plugs will differ in size, for example the 15 amps earth pin will be larger.

There are clever power boards on the market which can improve stability for networks and save business money on energy costs everyday.

What Type Of Life Insurance Is Best?

Life Insurance (although it should not be) is to this day a very controversial issue. There seems to be a lot of different types of life insurance out there, but there are really only two kinds. They are Term Insurance and Whole Life (Cash Value) Insurance. Term Insurance is pure insurance. It protects you over a certain period of time. Whole Life Insurance is insurance plus a side account known as cash value. Generally speaking, consumer reports recommend term insurance as the most economic choice and they have for some time. But still, whole life insurance is the most prevalent in today's society. Which one should we buy?

Let's talk about the purpose of life insurance. Once we get the proper purpose of insurance down to a science, then everything else will fall into place. The purpose of life insurance is the same purpose as any other type of insurance. It is to "insure against loss of". Car insurance is to insure your car or someone else's car in case of an accident. So in other words, since you probably could not pay for the damage yourself, insurance is in place. Home owners insurance is to insure against loss of your home or items in it. So since you probably could not pay for a new house, you buy an insurance policy to cover it.

Life insurance is the same way. It is to insure against loss of your life. If you had a family, it would be impossible to support them after you died, so you buy life insurance so that if something were to happen to you, your family could replace your income. Life insurance is not to make you or your descendants rich or give them a reason to kill you. Life insurance is not to help you retire (or else it would have called retirement insurance)! Life insurance is to replace your income if you die. But the wicked ones have made us believe otherwise, so that they can overcharge us and sell all kinds of other things to us to get paid.

How Does Life Insurance Work?

Rather than make this complicated, I will give a very simple explanation on how and what goes down in an insurance policy. As a matter of fact, it will be over simplified because we would otherwise be here all day. This is an example. Let's say that you are 31 years old. A typical term insurance policy for 20 years for $ 200,000 would be about $ 20 / month. Now ... if you wanted to buy a whole life insurance policy for $ 200,000 you might pay $ 100 / month for it. So instead of charging you $ 20 (which is the true cost) you will be overcharged by $ 80, which will then be put into a savings account.

Now, this $ 80 will continue to accumulate in a separate account for you. Typically speaking, if you want to get some of your money out of the account, you can then BORROW IT from the account and pay it back with interest. Now ... let's say you were to take $ 80 dollars a month and give it to your bank. If you went to withdraw the money from your bank account and they told you that you had to BORROW your own money from them and pay it back with interest, you would probably go clean upside someone's head. But somehow, when it comes to insurance, this is okay

This stems from the fact that most people do not realize that they are borrowing their own money. The "agent" (of the insurance Matrix) rarely will explain it that way. You see, one of the ways that companies get rich, is by getting people to pay them, and then turn around and borrow their own money back and pay more interest! Home equity loans are another example of this, but that is a whole different sermon.

Deal or No Deal

Let us stick with the previous illustration. Let us say the one thousand 31 year olds (all in good health) bought the aforementioned term policy (20 years, $ 200,000 dollars at $ 20 / month). If these people were paying $ 20 / month, that is $ 240 per year. If you take that and multiply it over the 20 year term then you will have $ 4800. So each individual will pay $ 4800 over the life of the term. Since one thousand individuals bought the policy, they will end up paying 4.8 million in premiums to the company. The insurance company has already calculated that around 20 people with good health (between the ages of 31 and 51) will die. So if 20 people pass away, then the company will have to pay out 20 x $ 200,000 or $ 4,000,000. So, if the company pays out $ 4,000,000 and takes in $ 4,800,000 it will then make a $ 800,000 profit.

This is of course OVER simplifying because a lot of people will cancel the policy (which will also bring down the number of death claims paid), and some of those premiums can be used to accumulate interest, but you can get a general idea of ​​how things work.

On the other hand, let's look at whole life insurance. Let us say the one thousand 31 year olds (all in good health) bought the aforementioned whole life policy ($ 200,000 dollars at $ 100 / month). These people are paying $ 100 / month. That is $ 1200 per year. If the average person's lifespan (in good health people) goes to 75, then on average, the people will pay 44 years worth of premiums. If you take that and multiply it by $ 1200 you will get $ 52,800. So each individual will pay $ 52,800 over the life of the policy. Since one thousand individuals bought the policy, they will end up paying 52.8 million in premiums to the company. If you buy a whole life policy, the insurance company has already calculated the probability that you will die. What is that probability? 100%, because it is a whole life (till death do us part) insurance policy! This means that if everyone kept their policies, the insurance company would have to pay out 1000 x $ 200,000 = $ 2,000,000,000) That's right, two billion dollars!

Ladies and gentleman, how can a company afford to pay out two billion dollars knowing that it will only take in 52.8 million? Now just like in the previous example, this is an oversimplification as policies will lapse. As a matter of fact, MOST whole life policies do lapse because people can not afford them, I hope you see my point. Let's take the individual. A 31 year old male bought a policy in which he is suppose to pay in $ 52,800 and get $ 200,000 back? There is no such thing as a free lunch. The company somehow has to weasel $ 147,200 out of him, JUST TO BREAK EVEN on this policy! Not to mention, pay the agents (who get paid much higher bills on whole life policies), underwriters, insurance fees, advertising fees, 30 story buildings ... etc, etc.

This does not even take into account these variable life and universal life policies that claim to be so good for your retirement. So you are going to pay $ 52,800 into a policy and this policy will make you rich, AND pay you the $ 200,000 death benefit, AND pay the agents, staff and fees? This has to be a rip off.

Well, how could they rip you off? Maybe for the first five years of the policy, no cash value will accruate (you may want to check your policy). Maybe it's misrepresenting the value of the return (this is easy if the customer is not knowledgeable on exactly how investments work). Also, if you read my article on the Rule of 72 you can clearly see that giving your money to someone else to invest can lose you millions! You see, you may pay in $ 52,800 but that does not take into account how much money you LOSE by not investing it yourself! This is regardless of how well your agent may tell you the company will invest your money! Plain and simple, they have to get over on you somehow or they would go out of business!

How long do you need life insurance?

Let me explain what is called The Theory of Decreasing Responsibility, and maybe we can answer this question. Let's say that you and your spouse just got married and have a child. Like most people, when they are young they are also crazy, so they go out and buy a new car and a new house. Now, here you are with a young child and debt up to the neck! In this particular case, if one of you were to pass away, the loss of income would be devastating to the other spouse and the child. This is the case for life insurance. BUT, this is what happens. You and your spouse begin to pay off that debt. Your child gets older and less dependent on you. You start to build up your assets. Keep in mind that I am talking about REAL assets, not fake or phantom assets like equity in a home (which is just a fixed interest rate credit card)

In the end, the situation is like this. The child is out of the house and no longer dependent on you. You do not have any debt. You have enough money to live off, and pay for your funeral (which now costs thousands of dollars because the DEATH INDUSTRY has found new ways to make money by having people spend more honor and money on a person after they die then they did while that person was alive). So ... at this point, what do you need insurance for? Exactly ... absolutely nothing! So why would you buy Whole Life (aka DEATH) Insurance? The idea of ​​a 179 year old person with grown children who do not depend on him / her still paying insurance premiums is asine to say the least.

As a matter of fact, the need for life insurance could have been greatly decreed and quickly eliminated, if one would learn not to accumulate liabilities, and quickly accumulate wealth first. But I realize that this is almost impossible for most people in this materialistic, Middle Classed matrixed society. But anyway, let's take it a step further.

Confused Insurance Policies

This next statement is very obvious, but very substantial. Living and dying are exact opposites of each other. Why do I say this? The purpose of investing is to accumulate enough money in case you live to retire. The purpose of buying insurance is to protect your family and loved ones if you die before you can retire. These are two diametrically opposed actions! So, if an "agent" waltzes into your home selling you a whole life insurance policy and telling you that it can insure your life AND it can help you retire, your Red Pill Question should be this:

"If this plan will help me retire securely, why will I always need insurance? And on the other hand, if I will be broke enough later on in life that I will still need insurance, then how is this a good retirement plan?"

Now if you ask an insurance agent those questions, she / he may become confused. This of course comes from selling confused policies that do two opposites at once.

Norman Dacey said it best in the book "What's Wrong With Your Life Insurance"

"No one could ever quarrel with the idea of ​​providing protection for one's family while at the same time accumulating a fund for some such purpose as education or retirement. But if you try to do both of these jobs through the medium of one insurance policy, it is inevitable that both jobs will be done badly. "

So you see, even though there are a lot of new variations of whole life, like variable life and universal life, with various bells and whistles (claiming to be better than the original, typical whole life policies), the Red Pill Question must always be asked! If you are going to buy insurance, then buy insurance! If you are going to invest, then invest. It's that simple. Do not let an insurance agent trick you into buying a whole life policy based on the assumption that you are too incompetent and undisciplined to invest your own money.

If you are afraid to invest your money because you do not know how, then educate yourself! It may take some time, but it is better than giving your money to somebody else so they can invest it for you (and get rich with it). How can a company be profitable when it takes the money from it's customers, invests it, and turns around and gives it's customers all of the profits?

And do not fall for the old "What if the runs runs out and you can not get re-insured trick". Listen, there are a lot of term policies out there that are guaranteed renewable until old age (75-100). Yes, the price is a lot higher, but you must realize that if you buy a whole life policy, you will have been duped out of even more money by the time you get to that point (if that even happens). This is also yet another reason to be smart with your money. Do not buy confused policies.

How much should you buy?

I normally recommend 8-10 times your annual income as a good face amount for your insurance. Why so high? Here is the reason. Let's say that you make $ 50,000 per year. If you were to pass away, your family could take $ 500,000 ($ 10 times $ 50,000) and put it into a fund that pays 10 percent (which will give them $ 40,000 per year) and not touch the principle. So what you have done is replaced your income.

This is another reason why Whole Life insurance is bad. It is impossible to afford the amount of insurance you need trying to buy super high priced policies. Term insurance is much cheaper. To add to this, do not let high face values ​​scare you. If you have a lot of liabilities and you are worried about your family, it is much better to be underinsured than to have no insurance at all. Buy what you can manage. Do not get sold what you can not manage.