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Who Needs Referees Anyway?

  There are valid reasons why referees are a vital part of every NFL football game. Their responsibility is to keep the opposing teams on a “level playing field” by identifying and calling out any players, on either team, who take actions that violate the rules of the game. It is one thing to disagree with and complain about the judgment of an NFL referee, but can you imagine the total chaos that would ensue if the NFL coaches decided to disregard any referee’s ruling they did not like? The games would devolve into total chaos. And very quickly the league would fail. Referees Are Not Just For Sports Sports is not the only place where referees are needed to keep things functioning effectively. Referees are also crucial to good government, making sure it is being run fairly and in compliance with the laws and principals of the country. In 1787 the framers of a new constitution for the United States consciously and deliberately delineated three distinct articles of governmen...
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Don't Die From Running Out of Money

  Most of us do what we can to lead a long, healthy and happy life. If health issues threaten our longevity, we do all we can to obtain the medical treatment intended to extend life. Of course, no matter how diligent we may be, eventually we will die from something. Among other things, it could be from an accident, heart disease, cancer, cerebrovascular disease or chronic lower respiratory disease. But there is another type of death that we do have the power to stave off till something else gets us. It is a living-death caused by running out of money during retirement and such a circumstance can be almost worse than physical death. Preparing to Extend Life During Retirement Most of us dutifully work at a job for most of our adult lives, all the while dreaming of the time when we can retire. Retirement is envisioned as a laid-back period of life with discarded alarm clocks, loose schedules, leisure travel and the freedom to do what we want to do, when we want to do it. Suc...
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Think of Retirement as Your Last Job

  Most of us dutifully work at a job for most of our adult lives, all the while dreaming of the time when we can retire. Retirement is envisioned as a laid-back period of life with discarded alarm clocks, loose schedules, leisure travel and the freedom to do what you want to do, when you want to do it. Such a vision is achievable, but it doesn't just happen; it requires hard work. You work hard during your career to support your family and have a good life, but you also need to work hard at retirement to make sure retirement will work for you. To enjoy a comfortable retirement, think of retirement as your last job. The good thing about this job is that you are like an entrepreneur as a direct beneficiary of your effort. The time to begin to work for retirement is the first time you think about retirement. The longer you wait to begin to work on it, the more difficult it will be to achieve your vision for retirement. Just like other jobs, the objective of retirement is a liva...
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ANY STRATEGY TO RESIST CHANGE IN THE ANNUITY DISTRIBUTION SYSTEM WILL FAIL

  Recently John Hilton of Insurance News Net posted an articulate summary of sessions at the Annuity Distribution Summit hosted by the National Association for Fixed Annuities. While not specifically mentioned, it was clear from the remarks of the participants that “change” was the elephant in the room. Hilton wrote, “The panel promised an inside look at the future of (annuity) distribution and covered a variety of threats and disruptions to the industry.” Various panelists offered their strategy to resist the changes that are challenging the tenets of the primary annuity distribution system; the Independent Marketing Organization working with independent agents. The problem with this approach – as the life insurance industry learned in the late 20 th century – is that any strategy intended to resist change will fail. Change is a constant and the only workable strategy to deal with it is to recognize, accept and leverage it. THE LIFE INSURANCE INDUSTRY LEARNED THE HARD WAY...
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Understanding The Popularity and Appeal of Trump

    It has been perplexing for me to understand how intelligent, informed and well-educated people, can continue to support Trump. For me, it is just so obvious that Trump is the diametric antithesis of the type of person who should lead our country. This dichotomy remained unresolved until it came to me that it’s all about one thing: CHANGE . Change is a constant force of nature. At first blush, most of us are naturally suspicious and leery of change, but it is ever present, and it is something we have to recognize, confront and adjust to.       We are wary of change because it requires us to move from the known to the unknown. For many, from all walks of life, the impact of change conjures up a fear of the future, insecurities and uncertainty. This apprehension over change creates in many a desire to go back to what they knew and were comfortable with in the past. But one thing to understand is that once fundamental change is inculcated into society, a...
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The Best Path to Entrepreneurial Success is to Do the Unexpected

If you have a true, passionate desire to become an entrepreneurial leader, it may seem contradictory, but the best path to exceptional success is to either reinvigorate a failing company or start a new one in a business sector currently dominated by established companies. At first blush such an approach may seem like business suicide, but this strategy offers the most potential for success and because so few are willing to try it, there is little competition. Here are a few tips on rebuilding or starting a company in a business sector dominated by established companies: 1.   Make sure you understand and have experience in the selected industry. 2.   Understand that success will come easier by actually changing the industry rather than trying to compete in it. 3.   Position your company to compete against rather then with the established companies. Make sure you understand the difference. 4.   Strive to become a disrupter of the industry’s status quo by ...
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Rules to Violate to Become an Effective Leader

    Rules are something we have to deal with all our lives. We are forever being admonished that the only way forward is to follow. If we don’t follow the rules, we are reprimanded with the equivalent of personal fire and brimstone. Despite this, there are times (more times than you might imagine) when breaking the rules is the best path to success. This is especially true when it comes to rules that rule your activities and future in the corporate world. Over time, corporate rules have become more about containment and control than accomplishment and achievement. Follow these rules at your own risk. The trick is to know why, when and how to break rules that should be broken.     To Become An Effective Leader – Make Your Own Rules We could pick a passel of questionable rules from virtually any endeavor, but for this discussion let’s assume that you have a desire to become an effective corporate leader. What are some of the established and accepted corporate r...
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