Days are never good or bad. It is us who make them so. How, you ask? Well, life is what you make it to be - you choose to be grim and you get a serious life full of frowns and worries; and you choose to be jolly, you get a great day. True, life is made enjoyable simply by flexing a few muscles - by smiling and laughing! And it takes nothing to laugh your heart out and roll on the floor, holding your sides. All you need is the urge to be happy and make others happy along with you.

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I’ve had it! After 19 years in the business, I’m tired of the lies, the misrepresentations, half-truths and down-right mean people. “Life is too short!” No, I’m not simply talking about the clients and potential clients who have assured me of their “clean driving record” or the “I’ve never had an accident” claims.

The distortions come directly from my industry as well: Credit-scoring has been a fiasco that very few companies will discuss. Insurance companies have been sold a bill of goods by third-party credit agencies, and bought the fish store, hook-link-and sinker. Many companies are more concerned about the bottom line than their clients. Fortunately for all of us, the trend for using credit scoring is slowly eroding - it’s costing the companies a ton of money - and they’re not seeing the profit results they were promised.

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As human nature goes we often wonder what we are, who we are and what our place is in the Universe. It would be totally egocentric to think that we are alone in the universe and we are the center of it all. We would be no better than when they thought the world was flat and the Sun orbited the Earth. So where do we fit in? Better yet where do we exist?

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