Walking on Rubies

Life insurance is often a misunderstood financial tool, despite its critical role in ensuring peace of mind and financial security. Whether you're just starting to build your financial plan or re-evaluating your current strategies, understanding the truths about life insurance can make a significant difference. This article aims to debunk four common myths that may be holding you back from making informed decisions about life insurance. Myth 1: Life Insurance is Only for Older Adults One of the most prevalent myths is that life insurance is something you only need to consider when you’re an older adult. Many people think they don’t need to worry about it until later in life, but this couldn’t be further from the truth. Purchasing life insurance at a younger age can be more cost-effective and increase financial returns invested within the policy. Premiums are often lower when you’re younger and healthier, making it an ideal time to lock in a good rate. Additionally, life insurance i...

  Everyone has dreams. Many people miss out on the best that life has to offer, however, because they fail to properly prepare. You must choose to be different. You'll see your dreams come to pass if you recognize and seize the opportunities that are presented to you. You can realize your dreams if you take the time to prepare for them. You are worth your time, effort, and energy. Being ready means you prepare to tackle whatever obstacles that stand in your way. It means that you refuse to be denied the destiny that is rightfully yours. Sometimes, dreams get fulfilled in unexpected ways. While it's not possible to be ready for everything, it is possible to be as prepared as you can be for anything that might come your way. This includes both the challenges and the blessings that come with the journey toward living your dreams out loud. Preparation is the key to recognizing, receiving and experiencing the joy of fulfillment. Ways to Prepare to Realize Your Dreams Everyone is ...

    As the vibrant colors of fall begin to appear, the changing season offers a perfect opportunity for a mental and spiritual reset. Just as nature sheds what it no longer needs, this season calls us to release the unfruitful thoughts, habits, and distractions that have accumulated over time.  Mental clutter can take many forms— negative self-talk, unresolved conflicts, unfulfilled expectations, or lingering doubts. It’s the accumulation of thoughts and emotions that don’t serve us well, often leading to stress, anxiety, and even depression. Recognizing this clutter is the first step towards mental clarity and peace. When our minds are cluttered, it affects every aspect of our lives. Decision-making becomes harder, relationships can suffer, and our sense of joy and contentment diminishes. It’s like trying to find something important in a messy room —you might eventually find it, but not without a lot of unnecessary frustration. Anchored in biblical truth, this “mental p...

  It’s easy to get caught up in the pursuit of self-fulfillment. Whether in our personal lives or business ventures, the drive to succeed often stems from a desire for personal gain, recognition, or satisfaction. While there’s nothing wrong with aspiring to succeed, it’s crucial to pause and ask ourselves: Who is at the center of our endeavors? Is it all about us, or are we striving to bring glory to God through what we do? Shifting from self-fulfillment to focusing on God’s glory doesn’t mean we abandon our goals or aspirations. Instead, it involves reorienting our intentions, aligning them with God’s will, and seeking to glorify Him through every decision, action, and pursuit. Three Dangers of Self-Fulfillment The world tells us to “follow our hearts,” chase our dreams, and prioritize our happiness above all else. However, when we focus solely on self-fulfillment, a few issues can arise: 1. Burnout Constantly chasing personal fulfillment can lead to exhaustion. We may find that...

  Every day is an opportunity to reflect on God’s greatness and bring glory to His name through our actions and choices. We often focus on what makes us feel good, but let's shift the focus to what truly makes God awesome to others! God’s greatness is displayed through His love, grace, mercy, and power. As believers, we are called to reflect His awesomeness in our lives by living in a way that honors Him. This means being intentional with our words, our attitudes, and our responses, choosing to be lights in the darkness. When we offer forgiveness, show kindness, and extend grace, we reflect God's character and draw others closer to Him.  Let’s focus on doing more of what truly magnifies His awesomeness in our lives and the lives of those around us. B y prioritizing His will over our own, we allow His greatness to shine through us , pointing people back to His amazing love and power. Here’s how we can do more of what makes God awesome in the eyes of others: Love Like Jesus Jesu...

  In today's dynamic and competitive business landscape, the need for strong, effective leadership has never been more crucial. For entrepreneurial and professional women, developing leadership skills is essential to navigate challenges, inspire teams, and drive organizational success. The journey to becoming an effective leader begins with the ability to intentionally and effectively lead oneself. Leadership is not solely about managing others; it's about setting a personal standard, cultivating self-discipline, and making conscious choices that align with your values and goals.  Here’s how to cultivate those leadership qualities and build a powerful presence in your professional journey. Understanding Leadership Leadership isn't about holding a title or position; it's about influence, inspiration, and impact. Effective leaders are those who can envision the future, communicate that vision, and guide their teams toward achieving it. They exhibit qualities such as empat...

  In the course of our daily lives, we make plans. We plan for dinner, parties, vacations, trips to the grocery store, and cleaning our house. We also make long-term plans for our education,  finances, and businesses. However, despite all the planning we do, very few of us actually make a life plan. This is a critical oversight, as a life plan would encompass all those areas as well as our self-development, personal relationships, and overall happiness. We all have the capacity for happiness and success in every area of our lives, including our personal development, relationships, and professional lives. But happiness and success do not just happen; we must actively seek them out and set in motion plans and actions that will make them not only possible but probable. As Proverbs 16:9 says, "In their hearts humans plan their course, but the Lord establishes their steps." That is why you need a life plan, but creating one takes time and thought—something so many of us have lit...

When was the last time you asked yourself, "Do I really like me? What is it about me that I like?" Most people spend their lives speculating whether other people like them: "Does _____ like me?" "Am I attractive to _____?" "What have I done to upset _______?" The result is that you spend a considerable part of your life trying to please others, trying not to offend others, and trying to keep the peace, no matter what. Although you may be successful using this method, the result is that you spend most of your time doing what you think others would like. You are rarely effective.  Just think for a moment: How much of my day is spent trying to please others? How much time do I spend thinking I mustn’t say that? Rather than trying to make others fall in love with you, how about falling in love with yourself? I don’t mean that in a vain, egotistical, self-absorbed way where you’re always looking in the mirror and telling others how good you are. But,...