Recently a friend in the insurance industry was telling me about an insurance product that had decreasing premiums rather than the increasing ones we have become so familiar with in the term insurance arena. This lead to a discussion about investing and how we are always looking at making money on the upside.

Yet, you can actually make more money faster in a down market. That's not to say that we should all run out and start changing our investments, it's just that we have become so accustomed to looking at things from the same box, that we miss opportunities that are right before our eyes.

What if you could see things from a different perspective: the one that fits your goals, your life priorities, your current situation, your values, and the way you want to live? Do you get frustrated when hearing the same old messages of make more money, save more money, cut back, get a better return. This vertical thinking does not allow for creative, individual solutions to very personal financial situations.

A 12 step e-course might seem like a lot of work, or a long to wait to get an answer but, hey, we didnt get to where we are today overnight the quick fix is the 360 degree view of the current reality combined with some day to day very practical, very tangible, proven, simple activities to make todays step the one that builds on yesterdays step, and the day befores step that all lead very systematically towards the quick fix we all secretly want.

If you do nothing youll still be doing the same things a year from now as you were last year. If you do something maybe at least youll know how and when a decreasing insurance premium makes sense and what to look for to take advantage of dropping investment prices.