50 Reasons People Give for Believing in a God by Guy P. Harrison

Guy P. Harrison is a columnist and travel writer for a national newspaper. He has won several international awards for his writing.The book under review has 50 chapters. There are about 50 reasons to believe God or not. All the views are put in a perspective manner by the author.He has visited many countries and interviewed almost all great followers of Hinduism, Buddhism, Christianity, Islam, Scientology etc.Why should one believe God? Fear was the first thing on Earth to make Gods. Whether He exists or not, play it safe. The author humorously points out that some gods are very jealous and they don’t condone any worshipping of rival gods!Guy Harrison appreciates Hinduism very much. It is the only religion appears united to outsiders because it is one of the world’s most flexible, open and accommodating religions by far. Hindus are told that everybody on earth is born a Hindu. That is why they are not trying to convert anybody into their fold.As a journalist Guy Harrison interviews famous soccer player Pele, Nobel Peace Prize winner and the father of the H-Bomb.He once interviewed a man who was in the Berlin Bunker with Adolf Hitler during the final days of the Third Reich.His vast experience made him to write this book on God!He treats all religions equally and he has given a place for atheists also.He has scrutinized miracle makers and caution us that these could be explained scientifically.Believing in God does not hurt anyone. No one has ever disproved the existence of God. Without religion society would fall apart. Religion brings people together. Under these headings he is giving a number of anecdotes to prove his points.We come across Michael Shermer who was a born Christian turned now as a non-believer.An interesting investigation is ongoing about the possible natural roots of religion in the human mind and DNA. Some researchers think that we may be biologically “hardwired” for religion. They suggest that our brains are structured in a way that makes religious belief not only possible but virtually inevitable.One chapter is devoted for intelligent design. The author points out that there are three primary problems with intelligent design. First, it has no evidence to support it. Second, intelligent design doesn’t say anything about how life was created. Third, intelligent design encourages us to give up on seeking answers because some mysteries of life are too complex to have a natural explanation.Why god punishes innocent people? Take the case of tsunami, on December 26, 2004 which killed many thousand innocent people. 37 percent of the people killed were under the age of eighteen. Why they were punished?The book makes an interesting reading. All about God packed in a single book!But even though the author had extensively travelled throughout the world, he did not meet any great soul like Ramana or Sri Sathya Saibaba, Had he encountered some great souls, he could have got answers for all of his questions!I wish that who are interested in knowing god from different perspectives, may go in for this book.

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Home Health Care Insurance

There are various insurance policies that help pay for or totally cover the costs of home health care. Consumers are reminded to be very cautious when shopping, comparing and buying home health care insurance policies because coverage is often limited. Considering the limitations and loopholes that home health care insurance has, they may be more expensive than other insurance policies. Home health care may only be accounted for by comprehensive insurance policies with pay benefits for nursing homes, assisted living communities, and adult day care.Types of Home Health Care InsuranceThe different types of home health care insurance depend on each policy’s extent of coverage when paying for home health care services. Private insurance usually only pays for part of the home health care costs which include personal and hospice care. Managed care insurance plans may offer some help with home health care costs if the home health care provider is Medicare-certified, these plans also require hefty premiums.There are also existing home care policies which actually pays for the excess amounts that your original insurance policy does not cover. These supplemental insurance policies cover additional payments on home medical equipment as well. Long-term care insurance cover most medical and nursing services including licensed home health care costs. They may even include personal care as well as services incurred for the upkeep and maintenance of the policyholder’s home. Long term care insurance is paid for in monthly installments based on the individual’s age and health conditions. Many times, the benefits may only be reaped after a pre-defined waiting period, or when the insurance company decides the financial assistance is actually necessary.Originally, long term care insurance policies were intended to pay for a lengthy stay in a nursing home, yet because of the public demand and preference for home health care, a lot of long term care insurance policies now cover in-home services which may vary greatly according to plans. Considerations regarding pre-existing health conditions and prior hospitalizations usually limit the coverage of these insurance policies.

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Leveraging Today’s Business Loan For Tomorrows Business Growth

A business loan is an effective financing tool that allows most entrepreneurs to leverage their resources to help start a business. However, after a company is already established a business might need to consider additional outside funding. Businesses often require extra capital when it becomes necessary to expand to larger offices, increase the number of retail outlets, or increase storage capacity. Starting a business as an entrepreneur in a competitive market is an exciting and difficult venture.Keeping that business alive through expansion is an even more difficult proposition. Careful consideration of current and future potential cash flows should be analyzed, so not to over leverage the core reason behind obtaining a business loan is essential. And therefore introducing new capital into the equation requires some serious attention to both current budgeting and future income and expenditures.Many times it’s common for businesses to require outside cash to expand their operations and profit potential. One of the classic examples is a business that started in someone’s garage and grew to the point where expansion was impossible without a major change of venue. In such cases, the company might lack true equity because of its small size and verifiable office space, so a traditional business loan might be difficult to obtain. Commercial loans may require equity that a small business in someone’s garage wouldn’t normally possess. In such cases, unsecured loans, a co-signer, or an extraordinary history of earnings would provide strong support on the loan application.When deciding whether the time is right to expand and apply for private lending or the different types of SBA loans, serious financial analysis is necessary. In addition, determining whether the business is strong enough to expand and has all of its vital pieces intact can play an important part in the success and implementation of this influx of capital.For example, an increase in new orders and a strong profit margin might appear to be the work of a strong company, but are all the support systems where they need to be to guarantee the expansion plan’s success? Is the company prepared to increase administrative staff and spend more on overhead after securing the business loan funds? Estimating the business’s expenses after expansion is an important step to ensure the right loan amount is chosen and that the company can expand in a fiscally savvy manner.It’s also important to figure out whether expansion into a new space is warranted or whether looking into small loans for less costly growth might be advisable. Perhaps a fledgling company might benefit from smaller, strategic spending rather than immediate expansion into a new space.For example, a company without a solid web presence could invest business loan resources in a dedicated server and information technology professional to handle the company’s network. A new business might also consider enhancing a marketing program or purchasing additional materials to accommodate an increase in sales or an expected holiday rush.Additionally, it’s important for businesses to consider that there isn’t just a single type of business loan or that loans of all types may be used for an incredibly wide variety of improvements, expansions, and development efforts. For example, government loans like the ones through the Small Business Administration come in a variety of types. Banks may offer general SBA loans, available under the 7(a) Loan Program, or a company might look at the CDC/504 loan if the time has come to purchase major equipment or conduct real estate transactions for expansion and construction.The lesson any entrepreneur should take from an investigation of loan types is that the process of obtaining new funding isn’t difficult. However, the planning of what type of funding to obtain, as well as the way that funding will be used, will impact the future health of the business. Making the decision to expand requires good timing and smart budgeting. And by proper planning, obtaining a business loan may provide the funding necessary to construct new offices, add personnel, and reach new customers.

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