The Financial Education You Never Received

I don’t know about what school was like for you, but when I went through school financial education was pretty much non-existent.

I seem to recall one small class on financial education that covered balancing a cheque book and other basics like that. Other than that though, learning how money works wasn’t a subject we were taught in school.

My Own Financial Education

For over a decade now I’ve been on my own mission of financial education that has included reading books, attending seminars, hiring coaches and working with mentors. It’s through this quest for knowledge that I’ve been able to get a much better understanding of what money actually is, and how our financial systems operate today.

Thanks to the internet there is a never ending supply of information available at your fingertips. The challenge is knowing what’s good and accurate and what isn’t. I have a select number of sources that I follow because of the quality of the information they provide, and there’s no shortage of information about how our banking and financial systems work if you look for it.

The Financial Education You Need Won’t Come From Schools

While a large segment of the population is waking up to the scam that has been perpetrated against us, the vast majority of “sheeple” are still in the dark and have no idea how our money system actually works.

Your Financial Education Begins When You Understand That Every Dollar In Existence Is Created As Debt

Once you understand this simple truth, you realize that interest is an instrument of financial enslavement. The money in circulation has been created out of thin air and circulates in the economy, but the money to pay the interest has never been created so we’re simply playing a game of financial musical chairs and when the music stops someone loses their car or home, and the bank gains the asset.

Why Don’t Schools Teach Financial Education?

I’ve often wondered why financial education isn’t taught in school just like math, English and science. In truth, I think it needs to be a core subject. It’s certainly a skill that we’ll all utilize throughout our lives, and without it we tend to suffer.

Perhaps that’s the reason. If you subscribe to some of the theories out there, the modern education system was designed and funded by the elite over a century ago. At that time the globe was full into the industrial revolution, and there was a high demand for factory workers.

Why not create an “education system” that churns out obedient, well trained workers to man the factories. They’d be used to reporting in at a certain time, asking to use the washrooms, eating and taking breaks when the establishment permits.

Whether you buy into that theory completely or not, I believe there’s certainly some truth there. When you follow the money through the system across the globe, it tends to all point back to the same handful of organizations owned by the same handful of wealthy families.

It’s Time To Take Responsibility For Your Own Financial Education

The truth is nobody cares more about you or your money than you do. Your teachers didn’t, your banker doesn’t, your financial planner doesn’t and nobody else does either.

If you ever want to get a handle on your finances and escape the rat race of financial enslavement, then you have to take ownership of your financial education and know how money works, so you can get it working for you.

One of the best ways I know to attain this education is to seek out books by authors like Robert Kiyosaki, and Peter Schiff, and seek out mentors online and offline. There’s a wealth of knowledge available to you, and it’s your responsibility to seek it out and apply it.

Home Insurance Companies & Home Insurance Quotes

Home insurance rates can vary greatly from one insurance company to another. A quick research will find that there are almost 1800 providers in which you could choose from, but now you can find low cost home insurance online more easily then making a hundred different phone calls. Insurance companies are based upon a sharing program in which the money or premiums are placed in a pool then distributed and used when that insurance company has losses and claims by its customers. Back in the 1970s and before, several insurance companies would send salesmen into areas and neighborhoods to knock on doors then signing up large numbers of new customers located in these areas.However, one year brought a string of tornadoes that devastated entire subdivisions and small towns where these insurance providers had signed up so many new customers. Because of such devastation in a concentrated area several of the smaller companies had to go out of business before fulfilling their obligations and responsibilities to their customers who had paid their premiums. Larger companies were simply overwhelmed by the amount of claims that had to be filled out and completed. Not only was it a loss to the customers when those companies went out of business, but it was also a long period of time before many of the others were able and capable of processing their claims and rebuilding their homes.In evaluating of this unfortunate incident Congress enacted new laws that limited the amount of customers that an insurance company could sign up in any given area. This helps to keep all our rates low and protect the insurance company as well as the customers. Getting a quote by getting a home comparison in this age of technology should be an easy chore for the person searching for home insurance companies.A Quote can be accomplished simply by providing a few basic details and allowing your computer to search hundreds of different insurance companies that fit your needs. If you’re one of those who owns a home which is your most prized asset then there is no doubt that you need from a quality company that will provide you with a decent home owners insurance policy. A good home policy not only covers the house itself, but also other buildings on the property and the contents of the home for replacement.Many insurance companies will also check your credit rating when getting insurance so you yourself need to know what your credit rating status is. You also should have a very good ideal of how much it would cost to replace all the contents in your home including furniture, appliances, clothing, and a place to stay while your home is being repaired. Don’t forget most insurance companies only offer flood insurance as an additional. So make sure you ask the company just what all they cover in their insurance quotes. Remember, getting an online home insurance quote can save you hundreds of dollars from one insurance company to another insurance company.Well known names are not always the cheapest and best.

Macro Photography

Exploring the world of miniature objects with a macro lens is a special and exciting area of photography, and once you start, you will quickly become addicted. The world of macro photography holds many delights and is an area that cannot be appreciated with the human eye.Macro photography is the name given to close-up photography, and is best explained as images that are taken at reproduction ratios of life-size and above. Ratios of between 1:7 and 1:1 fall into the macro photography category.Understanding Ratios: This is a term used to express the magnification of a macro lens or other macro equipment that relates the real life-size object to the reproduction size on a slide or negative. If you shoot an object that is 3cm in length and it measures 1.5cm on a 35mm slide or negative – the ratio is 1:2. When both are equal length the ratio is 1:1Choosing the right lens is the most important factor with macro photography. While a telephoto lens may be acceptable with some types of close-up photography, the macro lens is invaluable to get really close and really accurate focusing.There is an endless range of subjects that fall under the range of macro photography. The most common subject for macro photography is the natural world – all types of flowers, plants, and insects. For the more creative photographer, macro photography is used in abstract imagery.With many forms of macro photography, especially with insects, a lens with a long focal lens – minimum 200 mm is required for some nature subjects. You need to keep a working distance from the subject to get a successful image – you don’t want to frighten your subject away.When shooting close-ups you are limited with depth-of-field – to get an attractive image you must focus on the most important part of the subject. This will be achieved easier if you place your camera on a tripod or monopod.By using your tripod you will reduce the risk of camera shake. Subject movement is also an important factor to consider. Macro photography magnifies the subject, leaving more room for blur. A strobe unit can be used to freeze movement – even on the brightest of days you should consider using your strobe unit. Try bouncing light from your strobe unit off a reflector. This will give your image a softer illumination.Many amateur photographers stay away from macro photography because they feel that their technical ability is too inept – your personal ability should not turn you away from this exciting part of photography – macro photography is like all types of photography – practice makes perfect.