Sour grapes are still sweet when they are dried!

Some people are just sour.  They can find the downside to everything.  If you get a raise at work they say "you'll pay more taxes now."  If you buy a new type of shoe they say "you'll get a blister if you wear them before you brake them in."  Order a steak and they'll tell you how bad the last one they had was, or how bad the service was the last time they were at that restaurant. 

Nothing is every just good or great ... there is always a downside and those folks are there to show it to you.  But now you can't let that get you down.  Just like the downside there is always an upside and that's what you need to keep your eye on.  Don't let a few Debby downers get to you. 

Be unshakable, stand firm in the face of sour people, your attitude is just as infectious as their bad attitude so reflect the upside and ignore the downside.  People with sour attitudes must have agreement to spread their sourness.  If you refuse to agree with with them and refuse to help them spread their doom and gloom then they can't change you.

Plus, if they can't shake your optimism over time something happens ... they start to change and they will begin to have a sunnier disposition.  Just like grapes that have been dried into raisins, these sour people may start out sour but a warm sunny day will sweeten them right up and they won't even look like the same people.

Moral - Stay sunny ... and you'll dry out the sour people (or something like that)

J

Email me with your questions on Life Insurance.

Ever need something and not have it?

As an insurance agent, I often review client insurance policies to make sure they have the appropriate type of policies, amount of coverage and most cost effective policy. The most commonly overlooked protections is a personal umbrella policy.
An Umbrella or personal liability policy is usually an all risk, all peril policy with coverage limits that start at $1,000,000. There are some very specific reasons that you might want to consider purchasing an umbrella and there are also some adjustments that you will want to make to your homeowners and auto insurance if you do. How do you know if you need an Umbrella?
Well, do you have youthful drivers in the home? One of the most basic reasons to purchase a liability umbrella is if you have young children that are learning to drive or are under age 25. Young drivers are inexperienced, easily distracted (friends, cell phones, texting, etc.) and statistically are involved in more accidents than any other age group. An umbrella policy will cover them all and protect you from losing everything if one of your children happens to cause a serious accident.
Do you have assets to protect? Most homeowner and auto policies have liability coverage between $300,000 and $500,000. But if you have assets in excess of this amount, you are exposed to a potentially higher liability problem if someone decides to sue you. Maybe you were involved in a car accident or someone slipped on your property, etc. If they sue you for more than the $500,000 and win, the rest will come out of your pocket or you may have to sell some assets (usually at a loss). If your net worth is over this limit, (value of home, land, retirement, autos, investments and all other assets added together) consider purchasing an umbrella policy for the appropriate amount. Think about the last time you heard about a lawsuit for less than a million dollars, how many do you hear about that are below two million these days?
Another reason to consider is if you are in a profession where incomes are typically high. Someone may think that you are wealthier than you are just because of your title or profession and may be more inclined to sue for a larger amount.
Today we live in a sue happy society. Lawyers are suing for larger and larger amounts and if you bear any liability, they are winning. Even if you are not liable, the legal defense fees are expensive. Some say that having a million dollar umbrella causes attorney's to sue for more. This may be true, but if you need the protection, it is better to buy the policy and hope you never use it, than it is to need it and not have it.
For many families today, young drivers, increasing net worth and higher incomes make personal liability protection a necessity rather than an option. The additional cost is not extreme, and if you make increase your deductibles on other policies, you can possibly cut your extra out-of-pocket cost in half.

Email me if you want to discuss your Liability needs