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To improve your self esteem, the first thing you want to do is pay attention to self talk. You know what I mean, that little voice in your head that keeps up a running commentary on every little thing you do.

And if you have low self esteem and want to improve it, then that voice is most likely saying negative things to you, not positive ones. It's telling you you can't do something. You aren't good looking enough, smart enough, rich enough. In short, if you have low self esteem, you feel inferior to other people in some way–or maybe even in many ways.

Fortunately, that voice in your head isn't right. You have everything you need to be a confident and fulfilled person. You have to tell yourself that, though. It's one of the strange laws of the universe that you get what you tell yourself you'll get! And this is one of the hardest things for people with low self esteem to believe.

But it's true. This is because what you tell yourself determines how you act toward others and how they, in turn, will react to you. If you tell yourself you're confident, you'll act in a way that inspires trust in other people. If you tell yourself you're uncertain and lack confidence, you'll act in such a way that won't instill a sense of trust in other people.

To break this vicious cycle, you have to listen closely to what that voice in your head is telling you. Then you have to talk back with positive self talk. This is the first and most important step in self esteem improvement.

For help in learning what positive self talk is and how to change it, look to self improvement books, self improvement tapes and CDs, self improvement seminars, and self improvement groups. You can find a multitude of these online and in your local bookstores.

If you've tried some of these without results, you may want to seek guidance from a professional counselor or therapist who is an expert in self esteem improvement. If you're already seeing a counselor, then adding self improvement books, tapes, videos, etc., will only help. And don't waste another second. You can have the improved self esteem you want, so get started today!

You can sell your life insurance policy if you are critically ill and need cash urgently. The amount you get will be from 50 per cent to 80% of the face value of the policy, depending on the condition of your health. But before selling, you should think why you bought the policy in the first place.

A company that intends to buy your life insurance policy will ask for all your medical records since you are not healthy. The company?s profit on buying your policy depends on how long you live after selling the policy.

You might be surprised to see people who are total strangers showing more interest in your deteriorating health. The viatical company will keep an eye on your progress through phone calls, post cards and any other means of communication. This is not always done confidentially and almost everyone around you will be aware of what?s happening.

It is therefore important that you choose the viatical company carefully. Some of the points that you must keep in mind are:

1. Is the viatical company licenced? This is important because some states have such requirements.

2. Consult your lawyer, accountant or financial planner. Check for the tax that is involved in the procedure. Some states allow tax-free transactions. Find out the impact on probate and estate settlements. As per the Health Insurance Portability and Accountability Act, the viatical settlements in case of a terminally ill recipient are exempt from federal income taxes. But those involving people with mild illness or total good health are taxed as capital gains.

3. Approach several viatical companies to get a competitive rate. A person with a life expectancy of 2 years or less may get 60% of the face value, while one with a life expectancy of less than 6 months may get 80% of the face value.

4. Ask the company to open an escrow account in your name to ensure that the funds are there to cover the offer. A reputed viatical firm will do this straight away. If a company hesitates to do so, better look for someone else.

5. Discuss the transaction with your initial beneficiary. It is his/her life that will also be affected due to the sale of your policy and be sure they are not bothered by your medical bills once you are no more.

6. Remember that once you receive a viatical settlement, it will affect any other financial help you may receive for your medical expenditure. Your creditors may also cry for settlement.

7. Look out for any other available alternative for getting fast cash. Check if your policy has an accelerated death benefit.

If you are getitng married and need to do so on a tight budget, there are many tips that you can follow to make sure that you r wedding and reception doesn't break the banks. Here are some tips that will save you money when you are planning your wedding ceremony and reception.

* Trim the guest list to include only friends and family that are close to you. This is difficult to do but sometimes it is necessary if the cost per guest is going to break your budget. Think about it like this; you can simply cross off the names on the list of guests who might feel obligated to come to the wedding if they are invited, but would not be upset in the least if they are not asked to attend. Invite only the people who are important to you and your parents, rather than everyone you know.
* Have your wedding ceremony and/or reception held at a hotel area, and ask for discounts when your family and friends are staying at same hotel which they will likely give. Reserve a block of rooms for your guests several months beforehand just to be sure that all goes smoothly on the day. Speak with the appropriate manager when asking for discounts and reserving rooms.
* Stick to the schedule that you set beforehand for your ceremony and reception. Musicians will charge you a lot more if they are asked asked to perform beyond the time stated in their contract.
* Have your ceremony and reception in the same location which will make things a great deal simpler.
* Ask friends to lend their talents instead of buying a gift such as DJ's, flowers, centerpieces etc.
* Have your wedding on a non-weekend day. Choose a weekday evening for your wedding. Schedule the wedding to allow guests time to arrive at the ceremony after the work day has ended. Many guests enjoy weekday weddings more because this frees up their weekends other things. Choose a date between November and April to avoid higher seasonal rates.
* Supply disposable cameras all over the place for people to take pictures at your wedding. It will save a lot on fancy photographers. You can also ask a friend who you know is good at taking pictures to help. You can also get your friends with digital cameras to email you all the photos they take.
* Get someone from college to help out with making a video of the ceremony. It will save you piles of money and still giving you the professional look that you may be hoping for.
* Offer a buffet instead of fancy dinners. Get your family members to each cook and bring something to add to the festivities.
* Serve beer and wine instead of expensive champagnes. Let people know that they can bring their own liquor if they prefer something else.