Easter is traditionally celebrated by Christians to recognize the miracle of the resurrection of Jesus the Christ.
What is a miracle? Is it hocus-pocus or truly something supernatural? To some it can be either, but more often than not a miracle is something ordinary but yet unexpected.
One dictionary defines miracle as "a surprising and welcome event that is not explicable by natural or scientific laws and is therefore considered to be the work of a divine agency."
A dear friend who is deeply passionate about their faith says there are no such things as coincidences, but there are God-incidences. I tend to agree, although if truth be known, I am not always in touch with God and more often than not completely miss the small miracles that occur right before me.
Miracles come in big packages with neon signs and in small ways that may be missed until someone points it out. Each of us define and recognize miracles differently.
A few months ago both our adult children were traveling to the other side of the world, two different countries, traveling independently of the other. One was in Switzerland and the Netherlands, the other in the China mainland. We prayed for their safety. Sure enough, they made it back without a hitch.
Was that a miracle? In spite of the fact the "odds" favored them returning home safely we chose to accept the miracle of their trips.
But for some people, in the last stages of life, a miracle can be as ordinary as watching the sun come up the next day.
What follows is a story of a miracle that is both ordinary and yet totally unexpected.
Is That All There Is?
Oliver Hart, age 11, knows his Bible stories. A few days ago, the school captain of Christ Church Grammar School in South Yarra (Australia) helped re-enact the Easter story - there were the 30 pieces of silver, the crown of thorns, the Crucifixion and resurrection.
The school says many of its parents aren't even believers, but they still want their children to know the critical stories of the Bible. As for 11 year old Oliver, "Easter symbolizes there is always hope … you don't have to believe in God, but I think the message in the story is a good one''.
Prime Minister Julia Gillard would agree. An atheist, Ms Gillard believes Australians need to understand the Bible because it ''has formed such an important part of our culture''.
Yet Oliver Hart is in a minority. Ms Gillard may have learned to recite scripture at her Baptist Sunday school, but many young Australians have no clue about the Good Samaritan, the Great Flood or even Easter. When Jesus went into the Garden of Gethsemane and prayed to God that he might be spared the horror of the cross, he might well have added that ''by 2011, most kids won't even know who I am … they'll be more concerned about why chocolate eggs are delivered by a rabbit''.
Many Adults are Equally Ambivalent About Christianity.
A psychologist who writes poetry and fiction, has reconsidered the Bible's value as a store of ''rich and beautiful language and evocative imagery''.
''The story of the Good Samaritan, and the many instances of Jesus challenging the cruel orthodoxies of the time, were good and powerful stories.''
But is that all they are? Good stories that might as well be fiction for all they know.
Bible stories about children, especially about the baby Jesus, still have resonance in the non-church community.
Jesus is The Problem
''It's the adult Jesus story that's in trouble,'' Professor Carroll says. ''The story of Good Friday and resurrection is floundering badly. If we lose the tragic Jesus story from the culture, we lose a lot. That symbol of the cross sits on top of Western civilization.''
He says the loss of biblical stories from the culture is a direct failing of the Christian churches, who have a responsibility to ''tell those stories in a way that is engaging today''.
In essence, Prof. Carroll is saying the stories don't capture our attention and draw us in, literally and figuratively, to the story of Jesus' life and death. In this short attention span world, the Easter story, the TRUE Easter story just doesn't resonate in today's glitzy, fast paced world.
In other words, it would take a MIRACLE to capture the attention of adults and children, compel them to set aside their electronic devices and unplug their ear buds, and listen to a history lesson about faith.
Are Moral Lessons Enough?
For the non-religious, stories that impart moral lessons are more appealing if they avoid religious overtones.
Amanda Cox, 38, a mother of three boys, gave up Sunday school for swimming club. ''The way they told the stories was boring,'' she says. And although Ms Cox found the religious angles ''off-putting'', she is sad the stories with their ''fantastic morals and lessons'' aren't as prevalent now.
As one raised in a family that attended church regularly, I can still recall being fascinated by the stories taught to us in Sunday School. It never occurred to me that building an ark that would hold all the animals as well as family members was a humanly impossible task. Or that Moses could wave a stick over the Red Sea and the waters would part so the Israelite's could escape Pharaoh's army. I did wonder why Jesus, who had done nothing wrong, arrested and crucified. Why would they do that to a man who had helped so many people?
One person suggested ''I do agree that some of the stories display great interpretation of good values, but the same thing could be said about Aesop's fables or even Shakespeare.''
Is that all that the Christian faith has to offer these days? Stories with good moral values?
Who Has Made a Lasting Impression in History?
Sadly for many that is true. I heard someone say that Jesus was a good man but so was Dr. Albert Schweitzer.
But did Dr. Schweitzer perform miracles that cannot be explained in human terms?
No doubt, Dr. Schweitzer made great contributions to the world and awarded a Nobel prize, but how many people today know what he did, or even know his name?
This Sunday many will attend church for the first time in months, or even years. Their motivations for attending on this particular day are varied. Some may attend out of obligation. Others may come to take their kids. Some will come hoping to reconnect with their faith.
Still others will attend, and never come back because the church was too crowded.
Whether you worship in a corporate setting or privately in your home, take a moment to reconnect with your past. Reflect on all that has happened in your life and how, through it all, you have had a good life so far. Maybe not perfect. Perhaps not the way you wanted, but you had a good life overall.
And maybe, just maybe, that is your miracle.
from InsureBlog http://ift.tt/2pjZqSv
Saturday, 15 April 2017
Friday, 14 April 2017
Deadly Big Brother, MVNHS©-style
Young and old, government-run health "care" schemes are getting pretty good at reining in the cost of care. Last month, for example, we learned how the Dutch manage such a feat:
"A Dutch woman doctor who asked an elderly patient’s family to hold her down while she administered a fatal drug dose has been cleared under Holland’s euthanasia laws"
But hey, that's just a sick old woman. No way this would happen to a youngling.
Right?
Um:
"Doctors can withdraw life support from a sick baby with a rare genetic condition against his parents' wishes"
Apparently, It takes a village to kill a child.
But wait, it gets even better (for certain values of "better"):
"His parents ... had wanted to take him to the US for a treatment trial."
Of course, this is far from the first time we've blogged on the Much Vaunted National Health System©'s war on children:
"A mother has described how her baby was left to die 'like an abandoned animal' after hospital doctors repeatedly ignored her desperate pleas for help."
Which begs the question: how, exactly, are our Cousins Across the Pond going to pay for care, since they keep killing off their young 'uns?
"A Dutch woman doctor who asked an elderly patient’s family to hold her down while she administered a fatal drug dose has been cleared under Holland’s euthanasia laws"
But hey, that's just a sick old woman. No way this would happen to a youngling.
Right?
Um:
"Doctors can withdraw life support from a sick baby with a rare genetic condition against his parents' wishes"
Apparently, It takes a village to kill a child.
But wait, it gets even better (for certain values of "better"):
"His parents ... had wanted to take him to the US for a treatment trial."
Of course, this is far from the first time we've blogged on the Much Vaunted National Health System©'s war on children:
"A mother has described how her baby was left to die 'like an abandoned animal' after hospital doctors repeatedly ignored her desperate pleas for help."
Which begs the question: how, exactly, are our Cousins Across the Pond going to pay for care, since they keep killing off their young 'uns?
Original content copyright © InsureBlog
from InsureBlog http://ift.tt/2pfnO7O
Twisting in the Wind
So, yesterday I fielded a call from a young lady looking for health insurance help. It seems that she travels quite a bit all over the country, and is having a very interesting (well, to me; problematic to her) issue:
She and her husband had been covered under his employer's plan, but that's gone away (I inferred that he'd been let go, but didn't pursue since I didn't need to know). She's been searching for replacement coverage herself, and is running out of time (they have but 5 days left on the Special Open Enrollment eligibility). The problem is that she needs a plan that will cover her while she's on the road.
Sorry, Charlie!
As we've mentioned, plans used be built on the PPO model, which offered (reduced) out-of-network coverage. Now (at least in this market) the only plans available are built ion the HMO chassis, which basically covers out-of-network charges only for life-threatening emergency care.
So, get sick in Dayton, no problem.
Get sick in Milwaukee, problem.
I did tell her her that there are options:
First, Short Term Medical plans. These are still PPO-based, so she'd have coverage wherever she traveled in this great land of ours. But, they aren't ACA-compliant, and she can only keep a plan for 3 months at a time. And, of course, they don't cover any pre-exisiting conditions.
Second, I mentioned Dave's plan.
And third, I brought up Sharing Ministries.
She demurred on all three.
I did tell her I'd be happy to answer any other questions if she wants to cal back, but reminded her that the clock is ticking....
She and her husband had been covered under his employer's plan, but that's gone away (I inferred that he'd been let go, but didn't pursue since I didn't need to know). She's been searching for replacement coverage herself, and is running out of time (they have but 5 days left on the Special Open Enrollment eligibility). The problem is that she needs a plan that will cover her while she's on the road.
Sorry, Charlie!
As we've mentioned, plans used be built on the PPO model, which offered (reduced) out-of-network coverage. Now (at least in this market) the only plans available are built ion the HMO chassis, which basically covers out-of-network charges only for life-threatening emergency care.
So, get sick in Dayton, no problem.
Get sick in Milwaukee, problem.
I did tell her her that there are options:
First, Short Term Medical plans. These are still PPO-based, so she'd have coverage wherever she traveled in this great land of ours. But, they aren't ACA-compliant, and she can only keep a plan for 3 months at a time. And, of course, they don't cover any pre-exisiting conditions.
Second, I mentioned Dave's plan.
And third, I brought up Sharing Ministries.
She demurred on all three.
I did tell her I'd be happy to answer any other questions if she wants to cal back, but reminded her that the clock is ticking....
Original content copyright © InsureBlog
from InsureBlog http://ift.tt/2otOMFP
Thursday, 13 April 2017
1035in' along
A few months ago, I called out Erie Insurance for what I considered inappropriate activity. Today, I received the final notice from our carrier's Home Office that the plan had, in fact been surrendered, and the check cut and sent to Erie via 1035 exchange.
That's nice, Henry, but what the heck's a 1035 exchange? An exit off I-75?
No, it's actually a very useful tool we use to avoid excess taxation when trading life insurance polices. And I was quite surprised to find that, 12+ years in, we've never blogged on this.
Allow me to correct that:
First, we need to understand that in permanent life insurance plans (such as Whole or Universal Life), the cash value accumulates with no taxes due. It's called tax-deferred, but not tax-free: the funds accumulate until they're withdrawn, and then one is taxed on the gain over the premiums paid. Turns out, Marcus had paid almost $33,000 in premiums, and the policy value at time of surrender was just north of $87,000. So, he had a gain of about $54,000. If he had just cashed the policy out, and then sent the check over to Erie, he would be on the hook for taxes on that $54,000.
By using a 1035 exchange, and having the original carrier transfer the funds directly to (in this case) Erie, Marcus was saved a major hurtin'. I'm still of the opinion that this was (at best) ill-advised, but at least the gentleman was spared further damage.
That's nice, Henry, but what the heck's a 1035 exchange? An exit off I-75?
No, it's actually a very useful tool we use to avoid excess taxation when trading life insurance polices. And I was quite surprised to find that, 12+ years in, we've never blogged on this.
Allow me to correct that:
First, we need to understand that in permanent life insurance plans (such as Whole or Universal Life), the cash value accumulates with no taxes due. It's called tax-deferred, but not tax-free: the funds accumulate until they're withdrawn, and then one is taxed on the gain over the premiums paid. Turns out, Marcus had paid almost $33,000 in premiums, and the policy value at time of surrender was just north of $87,000. So, he had a gain of about $54,000. If he had just cashed the policy out, and then sent the check over to Erie, he would be on the hook for taxes on that $54,000.
By using a 1035 exchange, and having the original carrier transfer the funds directly to (in this case) Erie, Marcus was saved a major hurtin'. I'm still of the opinion that this was (at best) ill-advised, but at least the gentleman was spared further damage.
Original content copyright © InsureBlog
from InsureBlog http://ift.tt/2owtskD
Wednesday, 12 April 2017
Tuesday, 11 April 2017
A Face for Radio
So, I made my talk radio debut yesterday on the Chad Adams show (a North Carolina institution). Many thanks to FoIB Jeff M for facilitating this.
It was a lot of fun.
Here's the show (my segment begins at ~30:00):
It was a lot of fun.
Here's the show (my segment begins at ~30:00):
Original content copyright © InsureBlog
from InsureBlog http://ift.tt/2nBcLpr
Monday, 10 April 2017
Part Time Disability?
Got this from Illinos Mutual the other day, thought readers might find it interesting:
"Do all your Disability Income Insurance (DI) clients or prospects work full time? Probably not."
I've never really thought about it, but part time folks might consider disability insurance a good idea. For example, many (most?) part-timers are ineligible for company-sponsored short- or long-term disability plans. And they may not even know individual plans exist (after all, who's actively marketing to them?).
One caveat: when IM says part-time, they mean at least 20 hours a week (on average), so folks who work less than that aren't eligible. But I have to believe that there's a sizable group of folks who would fit into that over 20 but less than 40 hours demographic.
Something to consider, no?
"Do all your Disability Income Insurance (DI) clients or prospects work full time? Probably not."
I've never really thought about it, but part time folks might consider disability insurance a good idea. For example, many (most?) part-timers are ineligible for company-sponsored short- or long-term disability plans. And they may not even know individual plans exist (after all, who's actively marketing to them?).
One caveat: when IM says part-time, they mean at least 20 hours a week (on average), so folks who work less than that aren't eligible. But I have to believe that there's a sizable group of folks who would fit into that over 20 but less than 40 hours demographic.
Something to consider, no?
Original content copyright © InsureBlog
from InsureBlog http://ift.tt/2oicp5G
Subscribe to:
Posts (Atom)