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by:
Rodolfo Vargas,
Marketing Director at PHP Agency
While on a trip to Italy, I had the chance to stop in New York, where I saw the Statue of Liberty. I can imagine all the immigrants from Europe leaving their beautiful art  and no longer being able to admire Michelangelo’s David, Leonardo’s La Gioconda, Trevi Fountain, the Coliseum–I could go on and on with the most wonderful pieces of art of the world. But what the Statue of Liberty meant for all the immigrants that their art didn’t was this: The newcomers had freedom in the land of opportunity. They were willing to leave their families, their careers, and everything they knew for the chance to try something great in the new world.

As an immigrant, I myself came to the United States of America in May 2006.  I remember having a great sense of excitement, but at the same time I was a little scared to come to a new place and experience a new language and culture. Millions of people have had the chance to come here and make a significant change in their life, and for all the immigrants still to come I have a few important points to consider if your goal is to achieve the American Dream.

Live in the Land of Opportunity, Not the Land of Jobs.

Recently I read the story of Ronald H. Coase, the 1991 winner of the Nobel Prize in Economics. He came to the United States in 1931 from Great Britain with a traveling scholarship. He was surprised to find that in the land of so much opportunity, in a free enterprise economy, a worker will voluntarily submit to the direction of a corporation instead of selling his own output or service directly to customers in the market.

I personally encourage you to go after your American Dream by taking advantage of the free enterprise system. In doing so, you will have a chance to accumulate wealth while bringing a solution to an existing problem or fulfilling a necessary role. One of the best strategies for success is to have a regular job and start a part-time business of your own. This allows you to start saving money and helps the transition to full-time self employment go smoothly. Starting a part-time business will bring a sense of security and bring your innovation skills to life.

Just think: What would we be doing without the innovation of Steve Jobs, the tenacity of Henry Ford, or the vision of Sam Walton?

Bring Value to the Community.

When early humans first figured out how to control and use fire, they did more than just discover a way to keep themselves warm on cold nights. They also laid down the basis for a variety of other new technologies and many other industries, such as cooking, lighting, and the forging of metal. When you as an immigrant produce or create a new way to do things, you are bringing great value to the community and making yourself an integral part of it. Like early humans and fire, your innovation can be built upon by others, thereby increasing its value.

Imagine how many industries and jobs Henry Ford created because of his vision of the automobile. He was able to make cars available to every single American, which meant the birth of different industries such as road creation and maintenance,  gas stations, mechanic shops, etc. Ford’s car itself was of great value, but the countless opportunities it created for the American community were even more valuable.

The essence of the American Dream is to bring value to the community by improving something that already exists, creating something new, or using the skills that we already have from our home countries. Remember this as you search for your vision in the US.

Always Remember Where You Come From.

I was born and raised in the beautiful country of El Salvador. My parents always encouraged me to be a good citizen, and I owe everything to them. I love my family and I love the country that I’m from.

Because of this, one of the dreams I have is to give back to the country and make my parents proud. Since this is so important to me, I have a big responsibility to always give my best and to become the best that I can. My American Dream has become bigger than myself as a direct result of my love for my home country and my family.

When your dream is bigger than yourself and you want to contribute to a country or to a community, your sense of purpose is increased and you become driven by a crusade or a movement. We need more immigrants who are willing to make a difference not only to their families but to many others in the world. Remembering those you’ve left behind and your home country can give you that drive to do more and be better.

I was in the Basilica of Saint Peter in the Vatican during my Italian vacation,  and Pope Francisco put it this way: We have got to be tough people, and easily the toughest, most irresistible force on earth is love. We need to love life, our profession, the people we are with, God, our country, and our family. So to all of the immigrants, I encourage you above all to follow what you love and live your passions. If you do, you’ll be sure to achieve success in this incredible country.

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Alfredo Garcia

I’m a California native, born and raised in Ventura County in Oxnard. My father was also raised in Ventura County. My mother, on the other hand, is from Chihuahua, Mexico. She came to the United States in the late 1970s when she met my father. Because of their upbringing in two different countries, my parents brought to our family a rich variety of cultural influences.

What has always struck me about my parents is this: Though one grew up in the US and the other in Mexico, neither one knew the first thing about financial services or insurance. All they knew was that you have to work hard and never complain; they always strove to get ahead in life by following this philosophy. They worked hard for their money, but they did not know how to make their money work hard for them. Even to this day they are working hard: My father still works in agriculture and my mother works for a local school district.

I have found it to be an unfortunate fact that much of the Latino community is uneducated when it comes to financial services and insurance. Like my parents, Latinos work hard for what they have and show tremendous work ethic, yet so many don’t realize the true potential of their earnings. We value our families above all else, but through a lack of financial education we don’t take the necessary steps to protect and provide for them in the event of tragedy. Many Latinos have simply been left behind when it comes to financial services, and as a result many are suffering.

The Latino community isn’t alone in this. Too many times, we see cultural groups miss out on the services and opportunities offered by our industry, to the detriment of all. We are in constant need of new players in the financial services industry with fresh perspectives–and moreover, we need to protect all families, regardless of their cultural background.

Why is it that Latinos and other cultural groups get left behind? It often has to do with three central misconceptions:

  • They wont understand. Cultural differences can to an outsider seem enormous, to the point that we mistakenly think a person won’t appreciate the need for something like life insurance. But if we don’t explore a person’s cultural values, how can we really know this? Does anyone, regardless of their background, really not want to protect their family or see their money work for them?
  • They don’t speak English. While a language barrier can be an obstacle, we sometimes let ourselves get overly intimidated by this. Interpreters can help you get your points across, allowing you to open up the world of financial services to a person who would otherwise get left behind.
  • They don’t make enough money. This is an unfortunate stereotype about many minority cultures. But the fact is that people from all cultures can thrive financially and excel in our country. Even for those people who are struggling, insurance doesn’t have to be expensive.

The truth is that Latinos and members of all cultural groups in the US want to understand financial services and insurance, but they need somebody they can trust to explain these concepts to them. I have a passion to help people out like my father and mother. For this reason, I have made it my personal mission to foster success and business relationships in the Latino community. I go through my day and see how many hard working people there are in my community, and I realize that each one of those people needs somebody to serve them. We Latinos have all the connections if we want to celebrate–a Jolly Jumper man, a taco man, a table-and-chair man, a dj, a mariachi band, etc. But what if a Latino wants to retire, send the kids to college, or ask questions about Obamacare? Who do they have to go to? NOBODY!!

That’s why it’s important to connect with not just Latinos but all the varied, colorful cultures out there. It doesn’t even matter if you speak their language or share their background as long as they understand that you are there to help.

Remember that there is power in cultural groups. The Latino community, for example, is very tightly knit: We trust people we know, value close relationships, and always help out people who have treated us right in the past. I know members of the Latino community will help me grow my business through word-of-mouth marketing and personal referrals. I’m a friend to my community and know that relationships hold more value than transactions, and in turn the Latino community values me as an agent.

If through birth or marriage you’re part of a particular cultural group, I encourage you to share your knowledge of financial services and insurance with your community. If you don’t have any particular cultural ties, see what communities are in your area. As you enrich the lives of others, I hope you’ll find yourself enriched in turn through the exploration of another culture’s worldview.

Episode 31: Great empires, civilizations and nations have always gone through very unique and identifying phases. Each phase breeds new and different types of leaders and environments. However, there are some stages to this cycle that can be dangerous if we linger in them for too long, either as individuals or as a country.

Read the latest blog by PBD: http://patrickbetdavidblog.com/

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Purchase Patrick’s best selling book, “25 Laws for Doing the Impossible” on Amazon: http://amzn.to/SyDWq4

by: kt3Kehinde Thomas

A life insurance policy is a lot like a river: Just like running water has to adapt to the landscape to properly flow, your insurance must be updated in order to properly flow as your life changes. After all, the only life change that’s really certain is change itself!

You might not think about your insurance policies very often, but it is a necessary responsibility to do so on a regular basis. If you are one of the 95 million people without life insurance and have people who depend on your income, you need to pick up the phone immediately and call an agent for help—and yes, it’s that important! If you already have coverage, when was the last time you or your agent reviewed your policies?

Don’t believe me? Think you’ve got your insurance situation perfectly covered? Let me share with you four common life changes that should prompt you to review your policy. If you haven’t reviewed yours after experiencing one or more of them, please call your agent today!
1) Marriage: When wedding bells rings, it’s time for both you and your spouse to review and update your policies. You are taking responsibility for each other’s lives and need to treat that decision with respect. Your spouse may come to depend on your income or vice versa; if one of you should pass away, you need to be sure the other will be able to pay the bills and continue to support the household.

Yesterday, I attended the wedding of a friend who has children of her own. Her groom likewise brought kids into the marriage. In this particular situation, I know for a fact that my friend would want her policy updated to reflect her new family. Moreover, it’s a fair assumption that she needs to increase her insurance protection with the new additions of a husband and children. If this situation applies to you, you should do the same.

2) Pregnancy: Much like marriage, having a baby means you are now responsible for somebody else’s welfare. But unlike an adult spouse, a baby is entirely dependent on you for all of its needs, financial and otherwise. If you pass away, your spouse can potentially find other means of support, but your children are helpless if you don’t plan ahead.

I know there are so many expenses and responsibilities involved already in getting pregnant, having a baby, and raising kids, but updating your insurance policy should be on the top of your to-do list whenever your family grows. Each child means a long-term financial commitment, which is something you should prepare your spouse to handle in the event of your death.

2) Divorce: In the wake of a divorce, you absolutely must take the time to update your insurance policy. Just picture this: A guy named Felix goes through a divorce, doesn’t review his policy, remarries, and dies in a car accident. Because he never changed his policy, his ex-wife is the sole beneficiary, leaving his new wife with nothing. To make the situation really dire, imagine that he has no children from his previous marriage, while his new wife is pregnant. She is now a widowed single mother with no means of financial support. Clearly, Felix didn’t plan this tragedy; but by putting off a review of his policy, he let his new family down. Don’t be Felix!!!

3) Retirement: Most people rely on their group life insurance at work to do the job of protecting their families; they assume this protection will be in place even during retirement. If that’s you, I have a suggestion: Before you retire or quit your job, make a thorough review of your life insurance plan. Leaving your job may simply mean leaving your life insurance benefits behind. Just because you retire from your career responsibilities doesn’t mean you can retire from your financial responsibilities, so be sure your family is taken care of even during your golden years.

These are just four common reasons to review your policy on a regular basis, meaning once or twice a year or as needed with any life changes. In actuality, there are many more reasons why a life insurance policy should be continuously reviewed. These reasons include purchasing your new home, starting a business, supporting a charity, bringing in more income, sending your child or spouse to college, letting your spouse stay home, etc. Whatever situation applies to you, don’t be a victim of that false sense of security that tells you it is okay to put off today what you can do tomorrow. Don’t procrastinate! Review your life insurance today! Remember: No one has a contract or lease on life!

30th Episode: After coming across a book called “Meditations” by Marcus Aurelius, Pat shares an excerpt by philosopher Theophrastus and his view of Sin. Do you agree with this explanation of where sin stems from? Share your thoughts on the comments section below.

“The philosopher Theophrastus claims that sins of desire are worse than sins of anger. Whereas the angry man seems to reject reason painfully and with a certain unconscious contraction of the spirit, he who sins out of desire, desperate for pleasure, appears more self-seeking and womanish. In general, the one is more like a victim fired to anger first by the pain of an injustice and then by the pain of his response, while the other deliberately desires what he knows to be wrong in the hope of deriving pleasure from it”.

Read the latest blog by PBD: http://patrickbetdavidblog.com/

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PHP Agency Jorge

Having a Definite Purpose

by:

Executive Marketing Director

Jorge Pelayo

What is your purpose in life?

At first glance, this might seem like an overwhelming question, or it might seem too vague to really answer. Between going to school, working to pay the bills, and taking care of the family, who has time to figure out or focus on something like purpose? We do what we have to do to provide for ourselves and our loved ones—isn’t that enough?

If you want to be successful and find fulfillment, then the answer is absolutely not.

Most of us probably started out in life with a driving purpose—the dream of being a famous actor or an astronaut, the desire to help the homeless, the thought of exploring the word. But over time as we are inundated with the demanding realities of being adults and having families, we start focusing more and more on what we are doing and less and less on why we are doing it.

Take schooling as an example. Most people would agree that college or some kind of formal training is a necessary component of success. But rather than examining why they are going to school, many people simply do it because they are told by parents and teachers that they have to do it. In this mindless adherence we find the destruction of purpose, which leads to failure.

This is not to say that people go to school without giving it any thought. But instead of focusing on their purpose, they often only look at school in terms of the outcomes or benefits it will bring. Going to school can get you a better job potentially, depending on your chosen field. The point of school then becomes the attainment of a good job. If you dig a little deeper, you can see that a good job brings security and stability, and so the point of school becomes the attainment of a solid foundation. These are all noble goals, but do they really qualify as a driving purpose?

So many of us go to school or follow a given path because our parents, teachers, or other authority figures recommend it. Typically, whatever our teachers or parents value we come to value as well. Rather than figuring out our own purpose and making plans to achieve our real dreams, our purpose often becomes someone else’s purpose for our lives.

Now, don’t get me wrong! Most parents and teachers have the best intentions. They are simply recommending to others what was recommended to them by their teachers and parents. They followed one path through life, and so they are passing their experience on.

My issue with this whole system is that it does not breed independent thought nor does it place emphasis on actually learning and living life with purpose. This approach puts emphasis on the process of learning and living—the steps we need to take to get from A to B (get a degree to get a good job to get stability). It puts more emphasis on the what of life and not enough on the why.

School becomes more about getting a degree than learning about yourself and about life.

Work becomes more about having a stable job or career than discovering what you are passionate about and building your life around that.

We live to pay our bills rather than follow our dreams. We exist rather than leave a legacy.

I believe in having a definite purpose over having a definite plan, especially when the plan leaves so many people wishing they could do life over. If you don’t believe me, look at the number of people who are unhappy because their lives are not what they thought they would be ten, twenty, or thirty years ago.

People aren’t successful for any number of reasons, but a major problem is that too many of us are not maxing out our lives and are living below our capabilities.  Life is about being passionate: If you are doing something you’re passionate about, then you will want to grow and succeed. In turn, your growth will keep feeding your passion with successful life experiences that bring happiness and fulfillment. This passion is your purpose, and having that purpose will allow you to push all of your limits and max out your potential for success.

Instead of asking what we are doing with our lives, we should ask why we are living the way we are. “Why am I doing what I’m doing at this very moment?” “Why am I where I am at in life?” “Why do I stick to my chosen career path?”

Be forewarned: When you start to ask these questions, you may not like the answers. You might find that you aren’t as happy or fulfilled in life as you’d thought. But the good news is that those answers are the key to unlocking your purpose and releasing your full potential.

Your search for purpose may lead you to ask yourself, “Who am I, really?” Your purpose impacts and changes who you are, and discovering that will help you figure out how to get where you want to be in many areas of your life (health, finances, relationships, career, etc). The search for and discovery of our driving purpose is a revolutionary journey of self discovery. Don’t fear it—embrace it!

As you search for purpose, try brainstorming on these points:

  1. What is my purpose in:
    1. Career
    2. Marriage
    3. Family
    4. Friendships
    5. Who do I need to be to accomplish that purpose?
    6. What would that person be doing the moment after reading this blog?

Whatever your answer is to that last question, get out there and do it!

Episode #29: Congratulations to this years Graduates! What’s next though? Surprisingly, after high school is over many teens find themselves unclear of which path to take next. This week, Pat shares 3 different phases that every teen will go through after high school and a piece of advice that can make all the difference. Enjoy this weeks message from 2 Minutes with Pat.

Read the latest blog by PBD: http://patrickbetdavidblog.com/

Follow Pat on Instagram and Twitter: @patrickbetdavid

Purchase Patrick’s best selling book, “25 Laws for Doing the Impossible” on Amazon: http://amzn.to/SyDWq4