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Brought
to you by:
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| Hurlbut Insurance Services
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About Our Firm:
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Bringing you 39 years of experience to help meet your
needs in the areas of life insurance, health insurance, disability
insurance, long term care insurance, cancer insurance, fixed annuities,
group insurance and employee benefit plans.
You may also want to check out HEB Health Insurance for no obligation health insurance quotes.
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| QUOTES from
the
Masters... |
| On Relationships |
On Balance |
"Do
not save your loving speeches for your friends till they are dead; do not
write them on their tombstones, speak them rather now instead." -–
Anna Cummins
"They
may forget what you said, but they will never forget how you made them
feel." -- Carl W. Buechner
"If
you find it in your heart to care for somebody else, you will have succeeded."
-- Maya Angelou
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"You
have to decide what your highest priorities are and have the courage --
pleasantly, smilingly, non-apologetically -- to say 'no' to other things.
And the way you do that is by having a bigger 'yes' burning inside. The
enemy of the 'best' is often the 'good.'" -- Stephen
Covey
"I
will love the light for it shows me the way, yet I will endure the darkness
for it shows me the stars." -- Og Mandino
"You're
never as good as everyone tells you when you win, and you're never as bad
as they say when you lose." -- Lou Holtz
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Advance Directives |
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Advance Directives are a way to
"have your say" about the type of care you receive (or don't receive)
in the event you suffer a catastrophic medical event, such as a stroke or an
accident, that leaves you unable to communicate your wishes. Every adult should plan ahead by completing
an Advance Directive that specifies his or her personal preferences in regard
to acceptable and unacceptable medical treatments. There are two types of Advance Directives:
A Living Will states your
preferences regarding the type of medical care you want to receive (or don't
want to receive) if you are incapacitated and cannot communicate. You specify the treatment you want to
receive or not receive in different scenarios.
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Medical Power of Attorney
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Also known as a durable power of
attorney for health care or a health care proxy, a Medical Power of Attorney
names another person, such as your spouse, daughter or son, to make medical
decisions for you if you are no longer able to make medical decisions for
yourself, or you are unable to communicate your preferences.
Note that a Medical Power of
Attorney is not the same as a Power of Attorney, which gives another person the
authority to act on your behalf on matters you specify, such as handling your
financial affairs.
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Important Points to Remember
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- Each state regulates Advance Directives differently. As a result, you may wish to involve an
attorney in the preparation of your Advance Directiv
- You can modify, update or cancel an Advance Directive at
any time, in accordance with state law.
- If you spend a good deal of time in several states, you
may want to have an Advance Directive for each state.
- Make sure that the person you name to act for you - your
health care proxy - has current copies of your Advance Directive.
- Give a copy of your Advance Directive to your physician
and, if appropriate, your long-term care facility.
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| MESSAGES
from
the Masters... |
YOUR DREAM BEGINS TODAY by Les Brown
What will your life be like when you've achieved your most deeply held
dreams? Let's take a look at how you can start living your dreams this
very day.
Do you have a dream, a vision of the life you wish to live? How
specific is that dream? How clear is that vision? How do you intend to
reach it? What obstacles stand in your way? Are your fears holding you
back or are you using them to move you forward?
Your fears can actually lead you to success. Fear is an intense
emotion. But that doesn't mean it has to control you, or even stop you.
Fear can prepare you and push you forward just as strongly as it can
hold you back. Fear heightens your awareness and increases your
physical strength. Fear brings your mind to sharp focus. With all that
going for you, does it make sense to just run and hide? Of course not.
Fear gets you in shape to take action!
Are you waiting for things to get better before moving ahead? If you're
serious about success; you need to start taking action today. If you're
waiting for things to be perfect, you'll wait forever and nothing will
ever get done.
The way to achieve is to bloom where you're planted, to do what you
can, where you are, with what you have. It's easy to think up excuses
for not taking action. "If only I had more hours in the day. If only I
had a better job. If only I could meet the right person." But excuses
won't bring you anything of value. You've got to change your "if only"
into an "I will." "I will make better use of my time. I will work on
improving my career. I will create and nurture my relationships."
Take a chance. Have faith in yourself. Your circumstances will improve
when you make the effort to improve them. Start where you are right
now. You have everything it takes to reach for whatever you desire.
Stop wishing. Use your time, your energy, your thoughts and efforts to
make it happen! You'll be glad you did!
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We
don't want to add to your e-mail clutter! If you do not enjoy
my
newsletter, just reply to this e-mail and ask to be removed or call my
office. Thanks!
The purpose
of this newsletter
is to provide information of general interest to our clients, potential
clients and other professionals. The information provided is
general
in nature and should not be considered complete information on any
product
or concept described. For more complete information, please
contact
my office at the phone number above.
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