4000 Years Of Wisdom Can Help Save on Insurance


The Chinese have developed an innumerable collection of proverbs in the 4,000 years of their history. One can find a proverb that addresses almost any situation. Many writers and well educated often site Chinese proverbs because of a proverbs ability to communicate simple wisdom in such an effective manner.  This is true even in the realm of Medicare supplement insurance.

Dig the well before you are thirsty

Like Weather, one’s fortune may change by the evening

Man Lost His Horse; Is His Luck Bad?

Medigap PlansMany Baby Boomers are turning 65 and becoming Medicare eligible every day. Some have learned through their life experiences that a little planning can go along way in creating and maintaining their quality of life. A little research and it is easy to discovers that Medicare can leaves some heavy out-of-pocket expenses especially if on a set budget. An effective and easy way to “dig your well in advance” or in other words protect your finances from the gaps in Medicare is to purchase Medicare supplemental insurance. Be prepared for those “weather changes” in life. Medigap quotes are easy to obtain and you will be able to easily find a plan that fits your budget. You can get Medicare supplement quote for free from an independent agent by clicking here. Relying on luck for financial protection is not a plan. Many older Americans are falling into poverty as they age and research shows that one of the biggest drivers of poverty in old age is failing health and the associated medical costs. 70% of retirees living below the poverty line have suffered acute health conditions such as cancer, lung disease, heart problems, or stroke. Government has not managed the money poured into Medicare well and it is not likely that the benefits provided are going to increase over time.

Another aspect that must be considered for those just turning 65 is the open enrollment period. During the first six months, when a person gets Medicare Part A and Medicare Part B, insurance companies are required by law to sell Medicare supplemental insurance regardless of most medical conditions that a person may have. This is a huge benefit! After that six month window has passed insurance companies make medical underwriting mandatory, and will refuse to sell insurance to people deemed high risk.

A man named Confucius once said that “a man who does not plan long ahead will find trouble at his door”. So consider Medicare supplemental insurance to keep from finding trouble at the door to your bank account.


Here are some other Chinese proverbs on planning:

  • A year’s plan starts with spring; a day’s plan starts with early morning
  • He, who could foresee affairs three days in advance would be rich for thousands of years
  • Plan for what is difficult while it is easy, do what is great while it is small

May something on this page help you “cheat” the test of life, because “experience is a hard teacher as she gives the test first, then lesson afterward”.

Chinese porcelain pictureMost Chinese proverbs can be sorted into one of four categories.

  1. accepted phrases (chengyu)
  2. familiar sayings (yanyu)
  3. popular sayings (suyu)
  4. two-part allegorical sayings (xiehouyu)

Chinese proverbs typically consist of only a few characters. These characters represent words that when joined together can communicate a tremendous amount of cultural depth and history. Because many Chinese characters do not translate directly into English and many of the proverbs utilize puns of similar sounding Chinese words there are many Chinese proverbs that make no since accept in their native language.

Chinese proverbs contain bits of philosophy that reflect basic a way of thinking often developed through the trials and experiences of life. Because these philosophies have passed the test of time and cultures they have become regarded as wisdom.  Below are some sample bits of wisdom that hopefully prove useful.

Chinese proverbs on self-development

  • A diamond with a flaw is preferable to a common stone with none
  • A man’s faults conform to his type of mind. Observe his faults and you may know his virtues
  • When your horse is about to jump a cliff it is too late to pull the reins
  • Only when there is no road left does one finally feel despair
  • Reading ten thousands of books is not as useful as traveling ten thousand miles – experience is more useful than theory
  • To talk much and arrive nowhere is the same as climbing a tree to catch a fish
  • It is only when the cold season comes that we know the pine and cypress to be evergreens
  • Failure is not falling down but refusing to get up

Chinese proverbs on  the power of words

  • They who know truth are not equal to those who love it, and they who love it are not equal to those who find pleasure in it
  • Kind words make one feel warm in winter, while unpleasant talk makes one feel cold even in midsummer
  • Talk does not cook rice
  • Good words are like a string of pearls
  • He who talks too much errors often
  • The best advice is often the most offensive
  • A bad word whispered will echo a hundred miles
  • Words are the keys to the heart

Chinese proverbs on politics and leadership

  • Strengthening the military awes the public but wiping out the evil consolidates a country
  • Without a leader, a flock of wild geese cannot fly in a line
  • The people are the foundation of the state; the state will be stable if the foundation is firm
  • A tree cannot grow without its root and a flower cannot bloom without its core
  • A board following the thread will be cut straight, and a man taking good advice will be just and fair
  • It is better to keep your soldiers idle for a hundred years, than to find them absent for one day
  • Give a man a fish and you feed him for a day. Teach a man to fish and you feed him for a lifetime
  • Where there’s smoke, there’s fire
  • Not the cry, but the flight of the wild duck, leads the flock to fly and follow
  • One generation plants the trees, another gets the shade

Chinese proverbs dealing with life wisdom

  • Smiles make one younger; worries make one older
  • No one knows a man better than his own father does
  • The gem cannot be polished without friction, nor man perfected without trials
  • He who sacrifices his conscience to ambition burns a picture to obtain the ashes
  • Thatch your roof before rainy weather; dig your well before you become parched with thirst
  • One’s good deeds are only known at home; one’s bad deeds far away
  • Fool me once, shame on you; fool me twice, shame on me
  • Rotten wood cannot be carved
  • Deal with the faults of others as gently as with your own
  • Make happy those who are near, and those who are far will come
  • Outside noisy, inside empty
  • A man who asks is a fool for five minutes. A man who never asks is a fool for life


Wise Chinese Proverb on Saving Money

” The rich man plans for tomorrow…the poor man for today.” Chinese Proverb

One can learn a lot from studying the wise Chinese Proverbs. Insurance is a subject than a lot of people do not enjoy talking about. However, in today’s times, we feel it is important to plan for tomorrow. How can you plan for tomorrow you might ask?

First, if you are on Medicare it is more important than ever that you get Medigap quotes from multiple companies. All too often seniors pick one company without doing proper research. Sure, the company might have might be well known but well known does not equate to the best price?

You can ask your agent for quotes from several insurance companies. Often, you can get a much greater picture of the Medicare market place than people realize. The cheapest rate is not always the best know company. Planning for tomorrow means you will need to look at multiple companies and not just what is head and seen in those expensive TV and other adds.

As I was having coffee at my local Starbucks last week, I heard one senior complain that when he moved from Houston Texas to Grenville South Carolina, he realized how bad his Texas agent was. He purchased a Texas Medigap plan from a captive agent that can only sell plans from one insurance company. His new independent insurance agent in South Carolina gave him a a lot more than one insurance company to choose from. It was surprising how much the different companies charge for the same level of insurance. If you would like to save money we suggest that you find an independent insurance agent like the man from Houston Texas did and request quotes.

Next time you are looking for any type of insurance make sure you do your research and Plan for tomorrow by getting ALL the facts! – compare Medicare Supplement Plans F and G as well.

Medicare vs Medicaid | Lubbock TX | Nathan Ziegler & Associates

Nathan Ziegler & Associates | Lubbock, TX (806) 765-8801

Do you have a loved one living in an assisted living or skilled nursing facility? Will your loved one need long-term care within the next five years?

Whether you are planning ahead or in the middle of a care crisis, we will help your family take the important steps and decisive actions needed to help you reduce or eliminate the rising costs of care for your loved one.

Nathan Ziegler & Associates is a full-service elder law, estate planning, Medicaid nursing home benefits, probate law and veterans benefits firm in Lubbock, TX. We are here to help you navigate through the costs and preparations associated with long-term care and estate planning. With the skilled professionals and attorneys at Nathan Ziegler & Associates, we can provide peace of mind and protection to seniors, their homes and savings, and their families.

We understand that every situation is unique, and invite you to call our office today for an appointment at (806) 765-8801

Practice Areas:

Long-Term Care Planning
Veterans’ Benefits Planning
Disability Planning
Medicaid Planning
Estate Planning
Adult Guardianship Litigation
Asset Protection

Nathan Ziegler & Associates
12002 Trafalgar Avenue
Ste. 202
Lubbock, TX 79424
(806) 765-8801

Nathan Ziegler & Associates
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Midland, TX 79701

What is the difference between Medicare and Medicaid? Will Medicare pay for a nursing home?
A lot of folks are not familiar with the difference between Medicare and Medicaid. Medicare is the health insurance program, if you will, for most people in retirement. So that’s part of the bargain that the government made with us, we’re going to pay in throughout our productive years, we’re going to pay a little bit of everything that we paid into the system and then in retirement, Medicare is supposed to cover our sales expenses, cover our health care. Unfortunately when Medicare was put in place the average man didn’t even live till age 65. The need for long-term care wasn’t so much on the radar when Medicare was put in gear. Now that we’re living longer, there’s a new reality that wasn’t in place when Medicare was put in place and as a result whether Medicare is going to cover the cost of my healthcare in my retirement depends largely on what happens to me, what sort of illness befalls me. If I need a quadruple bypass in retirement, I’m covered with Medicare. But if I developed Parkinson’s, or dementia, or need longer care, Medicare is not going to cover it. In Texas, about 2/3 of people in nursing homes are on Medicaid. The vast majority of people did not start out on Medicaid, most of them had some savings and went into a nursing home once their savings was exhausted then they qualified for Medicaid. If they own the house, that house became subject to Medicaid estate recovery through the state program, Medicare does not pay for long-term care. For most folks they will pay for 20 days and then for a portion of the next 80 days after that nobody has a guarantee that Medicare will pay any of those 100 days that largely depends on the circumstances under which you go in. Medicare doesn’t pay anything for long term care after 100 days. The fall back is either you have long-term care insurance that picks that up which by the time those people are thinking about the need for that sort of coverage, its either not cost effective or they can’t get through under writing, to be able to afford long-term care insurance. And so they’re either going to get qualified for Medicaid to pay for it, or they’re going to private pay and spend down their savings to pay for it or potentially get qualified for veterans benefits to pay for it, or a family member is going to pay for it. The difference between Medicaid and Medicare are significant and has a big impact on folks on the elder care journey