Cost-Effective Ways To Consult A Therapist Even Without Health Insurance


From a scale of one to infinity, how badly do you need to talk to a counselor?

It’s admirable if you genuinely believe that your mental health is on point. You must be among the lucky people out there whose potential problems already die down before reaching you. Hence, there may not ever be a time in your life in which you’ll want SOS from a therapist.

Steve B. Reed, L.P.C., L.M.S.W., L.M.F.T. said “Replace that negative thought with a more desirable one. Imprint and integrate it well.”

If it’s the distance from the nearest counseling facility that worries you, there are online platforms at your service now. A virtual counselor is not so different from the expert you’ll likely meet in person, in the sense that the former also garners the same diplomas and certifications as the latter. It can also eliminate the fear of coming across anyone you know outside of the therapist’s office since the therapy can take place without leaving your room.

Consequently, if the issue is your health insurance – or lack thereof – then say no more. Here are cost-effective ways to consult a counselor even without one.

  1. Go To A Training Center

Your first stop should be a clinic where all soon-to-be-therapists commune. That can be inside or near a university that offers a psychology-related degree.

What’s great about this kind of facility is that they typically don’t charge a penny. You may only need to bring yourself along with your issues, and a practicing counselor will attend to you. A probable downside is that folks with severe mental disorders may have to go somewhere more official to receive treatment.

E. Michael Priddy, MA, LCPC said “A number of benefits are available from participating in therapy. Therapists can provide support, problem-solving skills, and enhanced coping strategies for issues such as depression, anxiety, relationship troubles, unresolved childhood issues, grief, stress management, body image issues and creative blocks.”

  1. Attend Free Group Therapies

Another way to speak with a therapist is by contacting organizations that hold counseling sessions in your community. Anyone can often join for free, and some even give snacks on site.

Now, remember that group therapy does not only involve listening to the counselor talk for hours. The participants like yourself usually have to share your issues with everyone there before gaining advice. It is an applicable option, therefore, if you don’t mind letting others know about the problems you carry.

According to Celeste Viciere, LMHC, “Because so many therapists come from different backgrounds and teaching philosophies, it’s important to understand what lens the therapist is looking from.”

  1. Seek Counselors With Flexible Payment Schemes

Despite the widespread belief that traditional therapists charge for a leg and an arm before anyone can avail his or her services, there are a reasonable few whose rates can adjust depending on the client’s economic status. If the usual cost for every session is a hundred dollars to deal with social anxiety, for instance, it may drop to 70 bucks or less.

This sliding scale arrangement, fortunately, is already accessible in many facilities. It won’t hurt to call all the clinics near or even beyond your place to know if they have flexible payment schemes as well.

  1. Learn DIY Methods

In case none of the earlier tips is accessible, the internet is always a free source of information. You can search for websites that provide therapy, and then figure out the self-help treatments they offer through the blog section. E.g., journaling, exercising, getting creative, and much more.


The sweetest thing about counseling is that it comes in diverse forms. You don’t need to stick with the conventional one if: 1) you cannot afford it, and 2) it may never work for you. Think outside of the box if you must to be able to consult a therapist without depending on health insurance.

You can also explore the wonders of nature. According to Richard Shuster, PsyD, “Staring at the ocean actually changes our brain waves’ frequency and puts us into a mild meditative state.”

Good luck!


Frequently Asked Questions About How Psychologists Use And Apply Developmental Psychology

Change is a state in our life that we could hardly ignore or avoid. As we grew up, we observed how we became taller than the kitchen sink we used to sit on. Also, our voices changed drastically compared to how they sounded when we were kids.

At the same time, we witnessed how our moods persisted and how our habits changed over the years. Human development indeed plays an unconscious role in our lives. We are actually involuntarily experiencing it as we grow old. 

Did you know that there is an entire field dedicated to this very interesting craft in psychology? Check developmental psychology.


Developmental Psychology is a special field in psychology that aims to explain and discover why humans change. It observes how a person’s behavior, thoughts, or feelings change as he moves on to the next chapters. 

This field in psychology uses different approaches to explain these changes. It could be biological with the help of evolutionary and developmental biology. It may also be a social approach.

The persisting theories of person-society connections can explain development. It can be through an emotional method too. An example is assessing the changes through how a person feels or reacts.

Developmental psychology covers the entire lifetime of a person in uncovering its themes. But normally, it emphasizes the child or youth stage. Experts say that it is the period where human development occurs drastically. In fact, changes at this point occur multiple times.

Psychologists in this field aim to do three major things: describe, explain, and optimize or induce development.

Describing the developmental patterns of a specific individual is the first step in developmental psychology. It includes identifying normative (typical) or idiographic (personal or unique) mechanisms of change.

Upon describing, a psychologist will then aim to explain how and why these changes occur. Using extensive perspectives, this part is much more taxing compared to the foremost.

The last part of this process is the optimization of development. Here, experts use their findings and research to help the person in his current or future situations.

Developmental psychology also targets to answer and specify some questions in psychology. Some of these questions include the following:

  • Nature vs. Nurture (which between personal biology or environmental background impact more changes in human development)
  • Continuity or Discontinuity (whether people go through gradual or abrupt changes)
  • Stability or Change (will a specific personality stay on a child, or will his interactions with the world change it)

If you want to know more about developmental psychology and how psychologist uses it to help people deal with their normal lives, check out the handy FAQs provided to you’re here below:

What is a developmental psychologist?

 A developmental psychologist studies how individuals develop, grow, and adapt to various life phases. He performs research created to help people attain their highest potential.

 What is an example of developmental psychology?

Developmental psychologists frequently use several theories to explore various areas of human development.

For instance, a psychologist evaluating intellectual development in a child may utilize Piaget’s cognitive development approach. This outlines the essential stages that children experience as they learn.

Is Developmental Psychology the same as Lifespan Psychology?

Lifespan psychology is also known as developmental psychology. This is a branch of psychology that focuses on the changes in motivational, social, cognitive, and psychophysiological functioning throughout one’s lifespan.

What are the three major issues in developmental psychology?

The three major issues in developmental psychology are as follows:

  • Stability and change. This explores which traits exist throughout one’s lifespan.
  • Nature and nurture. This answers the query on how genetic inheritance, or our nature, relates to one’s experiences or nurture, affecting a person’s development.
  • Continuity and stages: this explains the parts of development, which are slow yet continuous.

Who is the most famous developmental psychologist?

Jean Piaget is the most popularly known developmental psychologist.

What are the five major principles of human development from a life span perspective?

Baltes’ lifespan approach stresses that development is long-lasting, multidirectional, multidisciplinary, contextual, plastic, and multidimensional.


What are the four principles of development?

The three principles of child development are as follows:

  • Social – how a child connects, talks, and plays with others.
  • Cognitive – how children think, solve problems, reason, and comprehend and use language.
  • Emotional – a child’s self-awareness, how he expresses his emotions and takes care of himself, and feels about himself.

What is Baltes’s theory?

Baltes stresses that the development of a specific domain does not happen in a precisely linear way. Rather, the development of particular traits can be described as having the ability to decrease and increase effectiveness throughout a person’s life.

What is the life span approach?

The lifespan approach has developed an all-embracing framework for attempting to understand human development from birth to death.

Development evolves as a process that comprises both losses and gains throughout a person’s lifespan, resulting in a multidirectional, multifunctional, and multidimensional perspective.

What characterizes the life span approach?

Baltes’ lifespan perspective stresses that development is long-lasting, multidisciplinary, multidirectional, multidimensional, plastic, and contextual.

What are the four important issues of lifespan development?

The four vital issues of lifespan development are the nature-nurture dispute, continuity versus discontinuity in terms of development, whether or not to focus on particular stages or the whole life span, and the importance of critical stages.

Why is Lifespan Psychology important?

Lifespan development discovers how people change and grow from birth to death. This specific field is learned and practiced by developmental psychologists.

They see development as a constant process that can be studied methodically through three developmental areas – psychosocial, physical, and cognitive development.

What is multidimensional psychology?

Development happens through a person’s whole life – hence, it is life-long. Development is also multidimensional, meaning that it involves the active interaction of elements such as psychosocial, emotional, and physical development.

It is multidirectional as well, and it results in losses and gains throughout an individual’s life.


Developmental psychology provides a fresh perspective to understand the human psyche better. It has connections with different fields like biology, human anatomy, and even social sciences.

Through that, it gets to comprehend human behavioral and emotional patterns in a very comprehensive way.


In fact, the flexibility of this field has been used to contribute to various themes like:

  • Self-concept problems
  • Emotional and Motor development
  • Moral Reasoning and Language Learning

Dedicated experts have also been trusting this area of practice to predict and answer problems involving the human person, such as:

Developmental psychology is a good way to assess children’s development. Experts in this field welcome people from all age groups and periods of life. They respond to anyone who wants help about their personal developments or are curious about their aging.

If you are looking forward to having yourself assessed, do your research first and ask questions. See to it to address any confusions or clarifications that you may have.

When you get a result showing you have an issue, make sure to keep an open mind. Research and learn more about it. Coordinate with your health care practitioner. Your full commitment will be a significant role-player in the process.

Frequently Asked Questions About Nutrition Depression Meal

Looking at the proper ways of dealing with stress, anxiety, and depression, I somehow like the idea of self-care. There is not much hassle to go around because the focus relies on keeping the overall well-being healthy. There is no medication, therapy, or surgeries needed in the process. As long I understand the importance of my physical, emotional, and mental health, the possibility of getting and staying healthy is endless.

And speaking about healthy ways, one of my favorite aside from getting enough sleep and exercise, is eating healthy food. For me, having a well-balanced diet is already a great way to stay fit and healthy. Yes, the process takes a long way, and most of the time, you will get distracted from all the savory yet unhealthy food around you. But if I still could not convince you, maybe these answered frequently asked questions will.


What foods are good for mental health? 

Boosting your mental health has a lot to do with the focus on eating plenty of fruits and vegetables. These include dark green leafy vegetables as they help protect the brain. Also, seeds, nuts, and legumes, such as lentils and beans, are excellent brain foods. Along with foods should contain vitamins and minerals and omega-3 fatty acids that can be found in Algal Oil, salmon, and Brussels sprouts.

 Is there any connection between diet and depression? 

Unfortunately, experts found a link between depression and diet. Several studies show that people who constantly eat a poor-quality diet tend to experience mental health issues such as anxiety and depression. That is specifically with processed meat, refined cereals, sweet desserts, chocolates, fried food, and high-fat dairy products.

Thus, think about it. The more you consume your favorite unhealthy foods, the more you endanger your health, not just the physical one, but as well as your emotional and mental state. I am not saying that you should instantly cut those eating habits out. Instead, gradually change your diet and incorporate healthy meals until you finally realize that you do not need those unhealthy foods anymore.

 What food is a natural antidepressant? 

The foods that naturally boost your mental health and serves as antidepressants are salmon, nuts, seeds, soy products, milk, spinach, poultry, and eggs. But be mindful. Though all of these foods are recommended by experts, it is essential to consult a health specialist nutritionist before making any dietary changes.

Always remember that even healthy foods can still cause health complications, especially when taken too much. So before I ruin your positive hope concerning these mentioned antidepressant foods, visit your doctor or nutritionists first.

 Do bananas help with depression? 

Eating a banana helps in reducing the level of stress and depression among most people. It is because bananas contain a type of protein called tryptophan, which the body turns into mood-lifting serotonin.

But remember not to eat a banana for dinner or even after dinner as it may cause indigestion and mucus formation. It would be best to take it in the morning to give your mind and body a natural boost so you can go around and finish your errands in the morning.

 What fruit is good for depression? 

The fruit that is good for depression is narrowed down to the best ten raw vegetables and fruits. These include dark leafy green vegetables, particularly spinach, kale, cabbage, beet greens, and lettuce. Also, foods like cucumber, carrots, grapefruit, apples, bananas, other citrus fruits, fresh berries, and kiwifruit help aid depression.


 Is milk good for depression? 

Yes. Research suggests that foods high in calcium, like low-fat dairy products, may benefit mental health as they can lower cortisol levels. It has been known that calcium reduces levels of cortisol, a stress hormone associated with anxiety. Thus, individuals with higher intakes of milk and milk products appear to have significantly higher memory and other brain function improvement than those who drink milk less.

 Does b12 help with depression? 

There is substantial evidence that proves a reduction in the vitamin B-12 serum exchanges with an increase in mental health problems, particularly depression. Thus, the higher vitamin B-12 status can well associate with better depression treatment outcome because Vitamin B12 is needed to produce the brain chemical responsible for regulating mood called serotonin. . That explains why most experts recommend and suggest people with depression take at least 1-milligram of B-12 supplement daily.

 What is the best natural antidepressant? 

The best natural antidepressant includes Omega-3 fatty acids, Saffron, Folate, Zinc, SAM-e, and St. John’s wort. But be careful in taking these without your doctor’s prescription. Consult an expert first.

 Are eggs good for depression? 

Eggs are great sources of good quality protein. It helps with managing hunger levels. It also contains a nutrient called choline that’s needed to produce acetylcholine. It is a neurotransmitter that affects the portions of the brain accountable for mood regulation and stress reduction. Experts also suggest that eating the whole egg is necessary as it is an excellent food for alleviating and preventing the conditions of major depression.

For additional information, you should eat at least three eggs daily and not more than that. That way, you can get the health benefits of eggs without negatively affecting your blood chemistry.

 What food reduces anxiety? 

Certain food helps reduce anxiety. A diet full of whole fiber-rich grains, vegetables, fruits, and fish is the one you should consider. Some of these are eggs, pumpkin seeds, turmeric, Brazil nuts, yogurt, chamomile, and fatty fish.

 What can replace antidepressants? 

Antidepressants are known to help with the reduction and prevention of severe mental health problems. However, several treatments can be an alternative to these antidepressants. These include lithium, exercise, healthy food, electric shock treatment, self-help groups, talk therapies, or cognitive behavioral therapy.

 Are almonds good for depression? 

Yes, of course. Nuts are an excellent source of Vitamin E that functions as an antioxidant in the body. You can have them raw or unsalted, depending on your preferences. Some studies show that a Mediterranean diet incorporated with 30 grams of mixed nuts, such as almonds, walnuts, and hazelnuts daily, significantly experienced a reduced mental health problem, particularly depression.


 Is coffee good for depression? 

Research shows that consuming enough amount of caffeine can contribute to mental health benefits over time. It has been associated with decreased fatigue, improved memory, and mental functioning. It also helps speed up reaction times as it adds alertness. However, it is vital to realize that caffeine can cause sleep problems that affect mood, especially when consumed too much. Thus it is important to drink it moderately. Roughly about four cups of coffee in a day appears to be safe for most healthy individuals.

 How can I kill anxiety naturally? 

There are better ways to kill anxiety naturally. You just have to stay active. Spend at least 30 minutes of your time exercising daily. There is no need to engage in an extreme workout, though. A couple of minutes’ walk can do just fine. You can also consider doing some chores in the house to keep your body moving. Then it would help if you had a healthy lifestyle. Quit smoking and drinking alcohol as these are only causing damage to your overall system. Instead, focus on eating a healthy diet, getting enough sleep, and hydrating your body. It will also help if you practice deep breathing and mindfulness meditation.

 What drinks are good for depression?

A better substitute for your favorite bottle of energy drinks and a cup of coffee is green tea. More frequent green tea consumption provides an additional antioxidant boost due to its content of Theanine, an amino acid. Both of these offer an anti-stress benefit that can help people with a mental health issue, particularly depression.


COVID-19 Health Awareness – Managing Sleep

We are all under a lot of stress and anxiety because of this pandemic issue. And those mental conditions can manifest in tons of ways depending on each one of us. But for some, anxiety and stress affect the emotional aspect that causes them to experience difficulty in sleep. It shows up sometimes in either having a hard time falling or staying asleep. In some unfortunate instances, some individuals do not even feel tired, which makes them available for a whole day waking hour.


Why Sleep Is Important

Getting enough sleep is essential because it helps in the development of brain function. When there is enough brain energy, it promotes better problem-solving and critical thinking skills. It also impacts an individual’s self-confidence, making them more emotionally, physically, and mentally in control. Sleep also helps promote a better cognitive function where it increases knowledge retention and develops long and short term memory. Sleep is also a better way to reduce stress and inflammation, as it promotes a better boost in the immune system.

How To Get Better Sleep?

Our minds learn to associate with sight, smell, hearing, sense of touch, and vibes. These are reflexive responses that are entirely out of our control. These are the factors that often prevent us from going to sleep. Unfortunately, we can’t control them. But what we can do is train our brain to know when the right time to sleep is. How can we do that?


Creating A Wind Down Routine

To train our brain, it must first recognize a couple of last activities we do before bedtime. These activities associated with sleeping are listening to soothing music, taking a hot shower, drinking a cup of hot tea or chocolate milk, brushing our teeth, reading a book, putting on our pajamas, and turning off the lights. So with that, we must keep a consistent schedule of doing those things whenever possible. Also, it helps the brain recognize sleep when we wake up around the same time every morning. So if in case it is difficult to wake up early each day, we can set up an alarm to help us get through with the process.


Limit Naps During The Day

It is essential to allow our bodies to rest from time to time, and napping is a great way to do that. However, to get a better night’s sleep, we should limit our naps during the day for less than 30 minutes. That way, our body can acknowledge exhaustion at night. Also, we must avoid napping in our bed, making us want to sleep more during the day. It would be much better if we take a nap on the couch, or find a comfortable position on the floor. If possible, we should only take at least one nap during the day. That is enough to help boost our energy. Napping more than that can distract the brain and body from recognizing night time sleep.


Limit The Use Of Devices

Sleep requires silence and dark surroundings to allow a drifting subconscious. To help ourselves get the rest we need, we must put away all the unnecessary devices that prevent us from thinking about sleep. We should cut our screen time before bed and place our smartphones in out-of-reach areas. That is because our brain recognizes the tone of the light emanating from the device as the same as sunlight. Therefore, we should turn our screen brightness down low. If possible, we need to shut off our phones. That way, those devices cannot cause any brain stimulation and cannot generate a biological trigger to the brain’s alerting system.

How To Properly Care For The Elderly

It is a great experience to be at the Elderly Care event 2019. I was able to learn so many things, especially on properly caring for the elderly. From the engagement up to mental health management, I can say that I fully understand the significance of my role in their lives.


Role Reversal – One thing I do understand now is that life follows a role reversal. Meaning, when we are kids, our parents took care of us because there are things we can’t do all by ourselves. And when they get older, we do the same thing for them. It becomes our responsibility to look after them because there are things they can no longer physically do.

Safety Measures – There are a lot of hazards at home that can endanger the elderly. Some are lethal to their physical health. Examples of these are uneven flooring, cluttered room, improper lighting, and many more. We must secure the comfortability of the elderly at home, and we shouldn’t make them feel they are locked up.


Ensure Physical Activity – A right amount of physical activity helps a lot in boosting the immune system. Thus, we must ensure that our elderly takes at least 10 to 15 minutes of light exercise. These can include walking and stretching. Also, we should provide them nutritional support. Thus, we need to ensure they eat healthy food such as fruits and vegetables.

Emotional Care – Most elderly are sensitive to their surroundings. That is why we need to ensure that they keep their emotional aspect in a balanced state. We need to avoid putting them in uncomfortable situations. It is vital not to put pressure on them, especially when it comes to their preference in things such as food, activity, leisure, and rest.

Learnings On Case Management From The 2019 Care National Conference


Case management is a crucial pillar of health care, a resounding point raised by health workers from various disciplines in ACMA’s 2019 Care National Conference. The conference tackled best practices of case management, such as integrating social determinants into health care and optimizing health insurance. 

Synergizing Care

Healthcare rarely exists in a vacuum as patients undergo their medical journeys from the emergency room to aftercare. Frequent changing of hands is standard, with the patient receiving care from one specialist to another. Moreso, other needs such as psychosocial and spiritual are also essential aspects of patient care.

Case management comes in as a holistic synergy of these various services that healthcare providers can give to patients. Case studies presented in the conference showed actual scenarios where case management made a difference for both patients and health providers. Patient-centric care and research into social health determinants became vital topics in the conference.

Health’s Social Dimension

Health is not only a medical concept but also rooted in the social gears of the real world. Participants of case management conferences reflected the diversity of the discipline in terms of their origins and specialization. 

Given the rampant use of medical jargon in healthcare, professionals emphasized educating patients should know the treatment they will be receiving. Similarly, pointers on how to cultivate a healthy mental headspace for patients should be available. A roundtable on utilization management also specifically addressed how health insurance companies can further help patients manage healthcare costs.


A Meeting of Minds

Case management is a multidisciplinary field. Exchange of new insights and knowledge between stakeholders pushes the field’s standards further. Conferences are also an excellent platform for expanding networks and sharing practical information between clinical specialists and professionals from other areas such as health insurance providers, psychologists, social workers, data scientists, and even priests. 

From this stage, they bring this insight back home to share with their colleagues. With all of these learnings from the conference, healthcare can thus become a seamless experience for patients who are otherwise going through a difficult journey.

Life Of A Patient Dealing With The Symptoms Of COVID-19

It is already more than a month since the world experienced a global outbreak known as the Coronavirus. Unfortunately, thousands of people are reportedly infected by the disease, and quite a number of them already died. And until now, the spread of the virus continues to grow despite the world’s strict safety measures such as social distancing and regular hand washing.

On a small scale, only a few people are ignoring the deadly disease because the majority of the individuals in the world are following necessary health measures. That is perhaps due to the unfortunate information that there hasn’t been any cure for the diseases yet. However, for those who ignore public health message, some of them suffer from the signs and symptoms.


What Are The Signs And Symptoms Of The Virus?

The typical one to two days start of the symptoms of COVID-19 is very similar to the common cold. In most cases, it gets accompanied by a mild sore throat. Then usually, there is a fever and physical discomfort as well. And with all these common symptoms, there is nothing much to worry about it because a patient can still manage to eat and drink as usual. The person can still be active and can still look healthy at some point.

However, for the 3rd day, some of these symptoms appear to get worse. The patient’s throat will feel a bit painful. It will soon become difficult to swallow small amounts of food. In a different individual’s experience, drinking water becomes their problem. Aside from that, body temperature will start to read at around 36.5 degrees Celsius. In some cases, though it is mildly uncommon, an individual will experience vomiting and nausea. It is also possible that diarrhea can set in as well.


In the fourth and 5th day, the symptoms of the virus become more serious. Other symptoms will eventually manifest, and an individual may suddenly feel physically weak and exhausted. The body temperature of the patient may go up to 37 or 38 degrees Celsius as well. Though, in some instances, other individual’s temperature remains the same despite having physical pain.

Then, for the 7th day of experiencing physical difficulties, the patient will soon have fever along with a dry cough. Then due to the throat’s inability to allow airflow, Dyspnea happens. It is a condition where an individual suddenly feels difficulty in breathing. In this stage, he often feels physically and mentally tired. The patient is somehow unable to stand up and prefer always to lie down.


And after the 7th day without showing any signs of recovery from these symptoms, the patient soon suffers from consistent coughing and breathing difficulty. Then fever gets higher and higher. Headaches, body pain, and diarrhea also get worse. With that state, admission to the hospital becomes necessary.

On the 8th day, the patient begins to suffer, and his other medical conditions will roll up with the virus’s symptoms. That is where severe shortness of breath comes in, and temperature reading goes above 38 degrees Celsius. Usually, at this stage, doctors examine the chest for the status of respiratory conditions.

For the next 10 to 15 days, if the patient is unsuccessful in recovering from the symptoms, then he must prepare for the possibility of having an acute cardiac or kidney failure. From there, death can be expected.


But please note that this general overview serves as a compilation of an initial self-assessment purpose only. Some of these daily signs and symptoms may vary from one person to another. So if you are not feeling well, you should seek professional medical care immediately. Be sure to have an accurate diagnosis of your condition so that you can receive proper treatment for COVID-19.

Qualities To Look For In An Insurance Agent


The 2017 Riverside Conference focused on economic developments and policy, which includes why insurance is a “must” nowadays. It also tackled a topic that most people miss out when getting this service – the qualities that they must look for in their insurance agents. Believe it or not, your insurance agent has the same weight as the insurance package. If they’ll take care of you, then your insurance is in good hands as well. 

Good Listener

There are a lot of agents who are only there to talk to you to earn a commission. They don’t find time to listen and analyze their client’s needs, and what will be the most helpful setup for them. If this is the kind of agent you have, dump him! It is essential to put the needs of the clients first, even if you avail of a product where they’ll receive a lower commission. 


There are a handful of clients who might take time convincing. It may be because they don’t understand the product that much yet, or they don’t have the time to decide because of their busy schedules. One good trait that the right agent should have is persistence. They have to know when to keep going (and get that sale), but they should also know when to give up.


Entrepreneurial Spirit

Some insurance packages have an integrated investment feature. Your insurance agent must acquire an entrepreneurial mindset that will enable you to grow your money. He should be capable of making plans, drafting tailored strategies, spotting opportunities, and undertaking risks. This characteristic will be a driving force to your success! 

Good Customer Service

Believe it or not, there are a lot of agents who disappear after making the sale. However, it’s part of their job description to serve you still whenever you have issues and concerns regarding your insurance. A right agent is reachable at any time of the day, or someone who calls you back immediately once they’re free. 


Just because they’re the ones selling the services doesn’t mean that they know everything about it. There might even be times that you’re more familiar with its ins and outs. Look for someone that’s coachable. If they’re still open to new learnings and knowledge, then you don’t have to worry about them handling your money.

Tightening The Bond: In Sickness And In Health



“Through sickness and health” is once and for all to be acknowledged by both individuals in the sacrament of matrimony.   It is the vow taken by a man and a woman which establishes them a partnership of a lifetime. But life inevitably will come to a time where they will struggle from the problems arising from dispositions of this said lifetime. These problems generally include medical conditions, financial factors and even relationship exhaustion for both individuals. And if these problems persist, it may ruin the sanctity of vows taken and the sacred ceremonies that both parties take heed of an oath.

Continue reading “Tightening The Bond: In Sickness And In Health”

A Wife’s Instinct, Depression, And Strength

Being in a relationship requires a complete understanding between partners.  Honesty is essential no matter how hurting it would be to avoid deep wounds of betrayal.  And to forgive needs a great deal of acceptance of who your partner will be through the years of the committed relationship.


Continue reading “A Wife’s Instinct, Depression, And Strength”