I heard simple, yet direct and eye-opening advice last night on financial planning. But first the speaker reassured, “You can understand policies that affect your finances,” she said.

Four check points that make a big difference in finances:

1. Check you deductibles
2. Check your beneficiary designations
3. Check to see if your will is up-to-date
4. Check your home owners insurance to make sure it’s what you need.

If you have cash flow, you may be more inclined to select a high deductible which will come with a lower premium. But, peace of mind can come with a low deductible and save you from getting a shocking surprise.

Always update any documents that specify a beneficiary. Relationships change every day. Some can be shattered, so revisit who you have listed as a beneficiary for a life insurance policy to make sure it reflects your wishes. It’s a matter of simply filling out a ‘change of beneficiary form.’

Have a will and make sure it’s updated since family situation are so volatile these days.

Choose from three types of home owners insurance: basic, broad, and special. You CAN understand them.

Also, you can understand the power of life insurance to work for you and your family financially. You can find out if you can annuitize it if you need extra money for retirement, an illness, or college.

Together we can blast the notion that we can’t understand something. We can understand. We can dismiss the belief that something is a mystery and discover the spiritual cause and effect that helps us get through life with fewer bumps.

From 21^st Century Science and Health, “Not understanding the cause or approach of disease is no argument against the mental origin of disease. You confess to ignorance of the future and incapacity to preserve your own existence, and this thinking helps rather than hinders disease. Such a mindset induces sickness. It is like walking in the darkness on a high narrow ledge. You cannot stop suspecting danger, so your steps are insecure because of fear and your unawareness of mental cause and effect.

“We approach God, Life, as our fidelity to Truth and Love expands; and in that ratio we can know all human need and be able to discern the thought of the sick and the sinning for the purpose of healing them. Error of any kind can’t hide from the law of God. Paul said, “The mind controlled by the Spirit is life and peace.”[1]