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Friday, December 4, 2009

What is Life Without Digital?


I asked myself this question and a lot of things came to my mind. True, the world revolved and life went on normally before internet became a byword. Scientists were able to invent gadgets and equipment that made life easier for all of us. Einstein gave us the light bulb. Alexander Graham Bell invented the telephone. A lot of things were invented that made a great impact to civilization but nothing compares to the advent of digital technology.
When I was in my teens, my family shared one black and white television set in the living room. All of us had our favorite TV show but we had to follow a schedule in watching. That way, everyone was given a chance to watch his TV show given the limited number of TV channels to choose from. There was no cable then. This situation was changed when my father brought home our second TV set, this time a color television unit but still no cable.
One of the things that digital technology brought that made a major impact on my life is the mobile phone. I grew up sharing our PLDT landline with a neighbor, in short, we had a partyline. I cannot use the phone whenever I want to. I had to wait for my neighbor to put down his phone before I can use it. That was a cause of irritation between us neighbors. Twenty years or so after, the situation is completely different. Not only do I have a landline telephone, I have three mobile phones in my bag, my major phone Smart, Sun used for calling my employees and a wireless landline. It’s just incredible and amazing.
Digital technology has brought convenience and speed to our daily chores. Nowadays, we reheat our pre-cooked meals in the microwave oven, type our correspondences using the computer, conduct business using emails, bank and buy online, call or send SMS using the mobile phone. Everything is done through the click of a finger. We’ve really gone a long way. What if we decide to give up digital technology even for a week? For a digital immigrant like me, life will go on albeit slowly. I will feel isolated as I can’t network with my loved ones and friends who are on the other side of the globe. I will drag myself to the bank to pay my bills or just to get my account balance. It will be a big inconvenience. I can still do things that have to be done except that it will take more time and effort to accomplish them.
I think the crucial question is if I am willing to give up digital technology.
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Mary & Bobby

Mary sat in the corner of the emergency room at the nearby hospital as the lifeless body of Bobby, her husband of ten years, lies on the hospital bed. Around her the doctor and the nurses were busy removing the tubes and equipment used to prolong his life. She craned her neck towards the door of the emergency room trying to look for a familiar face. She saw Timmy and Samantha inching towards her with her parents. Tears suddenly welled in her eyes at the sight of her children. Mary tried to compose herself and put up a brave front for Timmy and Samantha. She knew that with Bobby gone, she and the children face a bleak future. Bobby was a bank manager and his modest income allowed him to send his children to a nearby private school and indulge his family to an annual vacation with his folks in the province. Mary, on the other hand, sold ladies’ brassieres, panties, cosmetics and toiletries to augment the family income. With the minimal amount of insurance proceeds that she will be receiving from the bank plus the savings deposit that Bobby opened, Mary knew that she and the children will be doing a lot of adjustments just to live by.

Does this scenario look familiar to you? Do you know of someone, maybe a sister, a brother, a cousin or a friend, who just lost a loved one? This scene has been played a thousand times to many people. People just failed to plan for the future. 



If somebody will be displaced with your untimely death, insuring it becomes compulsory. You can put money in the bank or invest in a business but this entails big sums of money.  Setting aside a small percentage of one’s monthly income to buy a life insurance policy is a good way to start planning for the future.  A good life insurance program does more than just replace the loss of income that occurs if you die. It also provides money to cover the final costs that arise after one’s death,  college education for the children and part or all of your spouse's retirement needs. 

When is the right time to buy? The answer to that question is NOW. Procrastination could be costly. Your untimely death, a breadwinner, could spell suffering to those you left behind, delay in the realization of dreams or failure of a business. A life insurance policy is the best love letter you can give to your loved ones.



Have you done your love letter yet?

http://www.lifeinsurancewiz.com/LifeInsurance/basics.htm

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