News Blog



5 People Share Their Near Death Experiences (NDEs)

5 People Share Their Near Death Experiences (NDEs)

Near-Death Experiences (NDEs) are as seemingly real as they are life-changing.

For reference, NDEs are defined as “Lucid (experiences) associated with perceived consciousness apart from the body occurring at the time of actual or threatened imminent death.”

In this article, we’re going to discuss the nature of NDEs – including the accumulating scientific evidence regarding their validity. Included are ten incredible accounts of individuals who have “crossed over” only to return to their Earthly abode.

Let us first discuss the evidence.

The Evidence for NDEs

“There was no confusion. This was not a dream. This was the real experience of my soul outside of my body, outside of my personality, outside fo my ego, and outside of my human form. Having a real experience at what I call ‘The Source.’ [original author’s emphasis]”

“It was more real than this reality. We all remember that experience better than anything else in our life.”

Two NDE testimonies from the documentary ‘Beyond Our Sight.’

It is estimated that around 17 percent of people who nearly die have an NDE. People who report an NDE come from a wide range of backgrounds: adults, children, religious and non-religious, physicians, scientists, ministers, and more. NDEs are reported across the world, with no area of the globe more or less likely to have an NDE.

Something interesting is that there seems to be commonly observed features of many NDE experiences. Some scientists believe that this commonality of experience also serves as proof for the validity of NDEs.

Among the most common experiences are:

  • Seeing and hearing apart from the physical body.
  • Passing into or through a tunnel
  • Encountering a mystical light
  • Intense (generally positive) emotions
  • Review of life experiences
  • Encountering deceased loved ones
  • The choice to return to their earthly life

Nine Lines of Evidence of a Near Death Experience

Jeffrey Long, MD, founder of the Near Death Experience Research Foundation (NDERF,, cites nine “lines of evidence” that suggest the reality of near-death experiences.

#1- Lucid, organized experiences while unconscious, comatose, or clinically dead.

From a scientific perspective, having a highly lucid experience while unconscious, comatose, or clinically dead should not be possible. Yet, 74.4 percent of near-death experiencers (NDEers) report experiencing “More consciousness and alertness than normal.”

#2 – Witnessing ongoing events from a location apart from the physical body while unconscious.

Nearly have of NDEers report seeing or hearing events from a perspective that is apart (typically above) their physical bodies.

 #3 – Enhanced, “supernormal” vision.

In a survey of 1,122 NDEers, over 64 percent responded “Yes” to a question inquiring into any “supernormal” vision experiences. It is noteworthy that just 19 percent responded “No” to the question. (16 percent responded “Uncertain.”)

#4 – NDE under general anesthesia.

Having a lucid experience should not be possible under conditions of general anesthesia. However, NDEs (including some of the most extraordinary cases) are often reported under anesthesia.

#5 – Life reviews.

Many NDEs include at least a partial “life review.” Most NDEers describe the life review as taking place from a third-person perspective. Most tellingly, these life reviews often contain parts of their lives that they’d long forgotten until that point.

#6 – Encountering dead loved ones.

Many NDEs include encounters with deceased relatives. In one interesting study, one-third of NDE cases of this type included encountering relatives with whom the NDE experiencer had a poor or distant relationship. Some of these cases also involved meeting a relative or loved one who had died before the NDEer was born.

#7 – NDEs of young children mirror those of adults.

NDE accounts from young children are considered important, as they are less likely to have established religious or spiritual beliefs and less developed vocabulary. In one study, experimenters analyzed the responses of NDEers aged six or younger (average 3.6 years) to the rest of the group. Of the 33 questions asked, there were no statistically significant differences to the responses between the young children’s age group and the older participants.

#8 – Similar NDEs across cultures.

In Western society especially, we’d think that and NDE would be dependent on the spiritual or religious background of the experiencer. However, the evidence shows NDE content to be “strikingly similar” across cultures. This led one study to conclude: “All near-death experience elements appearing in Western NDEs are present in non-Western NDEs.”

#9 – After-effects of NDEs.

NDEs appear to transform the lives of those who experience them. 278 NDErs answered the question, “My experience directly resulted in…:” Here is how they responded:

  • Large changes in my life: 152 (54.7%)
  • Moderate changes in my life: 68 (24.5%)
  • Slight changes in my life: 28 (10.1%)
  • No changes in my life: 14 (5.0%)
  • Unknown: 16 (5.8%)

 Taken together, this compounding evidence seems to point toward – not away from – the reality of near-death experiences.

10 Amazing Near Death Experience Testimonies

Each of the following NDE accounts is curated from Quora and checked for validity.

  1. Sharon Elizabeth Jensen

“Everything around me was white, cloud white, not bright, shiny, can’t-see light, [but] comfortable light. In fact, everything was comfortable as the most amazing and beautiful music I have ever and will ever hear again (no Human music will EVER compare favorably) was wafting literally in the air and surrounding everything.

I have never really understood what the meaning of ‘unconditional love’ was; cynical being that I am, but I sure do now. Wow. SO wonderful and completely inexplicable in words.”

  1. Lori Miller

“I floated on my back along an invisible path surrounded by a speckled gray atmosphere. A white light illumined far in the distance. I kept my eyes on it without diverting my gaze as I moved towards it.

Absolute peace purified me. I shed all earthy worries, perspective, and concerns, things that I didn’t realize I’d been carrying vanished, and in their place, complete freedom overtook me.

I felt unburdened, blissful, harmonious, and centered, but these words don’t convey how amazing the experience was for me. There are no words that can adequately describe how I felt. The only way I can try to get across what it was like is to ask you to think of the best day of your life; the day you felt utter peace, a day when abundant love filled your heart, and you had no worries or things that you needed to get done, and then multiply those feelings by a million maybe even a trillion; yes, it was that good!”

  1. Raul Young

“I wasn’t dead, as my consciousness was still there; I wasn’t alive as I was no longer in my body. I was just simply being. I was an eternal force. An energy beyond explanation. It was like floating in the air.

I was no longer seeing the world — I wasn’t even seeing black. I was in a place bright as white. It was peaceful and perhaps heavenly.

The thing that I remembered the most was a sense of selfishness if I can truly put it into words. As I remembered my life, it really didn’t have much feeling of worth anymore. I felt like everything is perfect and just the way it should be.”

  1. Jiri Kroc

“It is an incredible feeling, the most beautiful ‘place’ which I ever visited during this life. It is like being in the heavenly place of the immense beauty of structures observed there and sounds perceived. It is our true home where our spirits reside.

The world, which I did enter, was pure light, pure resonations, pure oscillations, pure sound that all created an unbelievable beauty. Do you remember your early childhood and how you cuddled to your mother, felt absolutely safe, warm, and comforted? This is the exact same with the difference that the world which we are speaking about is the world of pure energy, a world where our souls reside.”

  1. ‘Jerry’

“What GOD showed me that day, there are not enough words on earth to tell you, but I will do my best with want words I have. There was the most beautiful gate, where we saw my parents, grandparents who had died a long time ago. One person I didn’t know, but he told me he loved me too. They all said they are fine and would wait for me to come back. We went on in. It seemed like everything was in a room, but you could see forever. You would be in one place, then in a second; you were somewhere else.

There was so much to see the clearest rivers and streams. The water was crystal clear. The sky was so blue, the grass so green, and when you walked in the grass, you didn’t leave footprints. The most beautiful music you have ever heard. The flowers were the most beautiful I had ever seen. I didn’t see any person who was sick, or cripple, or looked unhappy.”


Financial Planners Share 21 Money Saving Tips Never to Ignore

Financial Planners Share 21 Money Saving Tips Never to Ignore

Financial planners have different opinions about what you should do with your money, but there are essential money saving tips they all agree on. So, what do financial planners say are the best money saving tips you should never ignore?

21 Money Saving Tips Never to Ignore

1.Have some savings

One tip all financial planners agree on is that you should have a savings plan. They advise that you save a certain amount every month, at least five or ten percent of your salary. It’s best to have the money automatically deposited into your savings account from your paycheck. Experts recommend you save at least one month’s funds to cover an emergency.

2. Don’t spend everything you make

This advice seems simple enough, but if you are living paycheck to paycheck, it is challenging to do. If you have a small salary with debt, you must consider this as you make financial decisions. This time may not be right to purchase a car or eat out every evening.  Making wise choices on big or small purchases helps you live within your means.

3. Ask for a raise

If you need an increase to make ends meet at home, ask for it. You need to know what your job is worth in the marketplace. Think about your education, training, job experience, and what you’ve done for your company-all these things contribute to your overall job worth.

Get paid what you’re worth, being underpaid is money you need for bills, savings, and investments. You’ll never be able to get ahead if you are underpaid. If your current job can’t pay you what you’re worth, it may be time to find another job.

4. Pay down credit cards

If you have several credit cards, pay down the credit cards with the highest amount of interest first. Pay off the smallest amount required on your other credits cards to avoid a penalty. After paying off the high-interest credit card, close that one out using only the low-interest cards.

5. Have a budget

Another money savings tip recommended by all financial planners is to have a budget. It gives you a good understanding of where you’re spending your money. Figure out what your total income is after taxes. Choose what kind of budget plan you want to use to keep track of your expenses. You can use banking apps that automatically break down your spending or a spreadsheet to keep track of costs. Pick the plan that works best for you. Then decide what your costs are. The National Institutes of Health offers a list of money-saving tips for food budgeting.

Besides food, your budget includes

  • Other groceries
  • Rent
  • Household expenses
  • Insurance
  • Car
  • Child care
  • Entertainment
  • Perscriptions
  • Pet care
  • Parking
  • Clothing
  • Work wardrobe
  • Gifts
  • Banking fees
  • Loan payments/credit card payments
  • Travel
  • Gym memberships
  • Subscriptions

6. Prepare for retirement

Saving for retirement doesn’t seem important when you are just getting started, but it’s one money savings tips all financial planners suggest.  They say you should contribute something to your retirement savings, even if it’s a slight amount. Your employer may offer you a 401(K) retirement plan, and it’s a good idea to add to it.  Some plans match what you add with interest.  Saving for retirement is essential, and if you begin early, you’ll be nicely situated when you’re older.

Remember, too. Your overall expenses will go down once you hit retirement age. By the time you reach 65  or 70, your house mortgage will be paid off. Plus, your children will be out of the house, so you’ll be spending less on supporting their needs.

7. Pay down other debts

Most financial planners suggest you pay down your student loans and mortgage

slowly. Many mortgages have a penalty if you pay off the loan early. Also, this kind of debt isn’t as high in interest as other kinds of debt. And the interest on student loans and mortgages are tax-deductible. Use for money for other things, like investments or savings.

8. Keep your savings and check account separate

Your checking account has available money you need for your regular monthly expenses and bills. It’s the place where your paycheck will be automatically sent, minus monies you’re putting into your savings account.  A checking account gives you access to your money right when you need it.  A savings account should be left alone. Depending upon your bank, they will offer an interest rate on your savings.

9. Get rid of your subscriptions

Dump your subscriptions. They eat away at your income. It’s easy to forget if you have them. You often get one or two months free, and then the fees kick in. You may forget you have it.

10. Buy life insurance

If you’re young, you may not think you need life insurance. But if you have dependents or people who depend upon your financial contributions, then you need life insurance.

These people will become financially responsible after you die, so it’s a necessary part of your fiscal money-saving plan. This life insurance will be used to pay off debts after you die. Even if you’re young, buy life insurance since it’s cheaper when you’re young and healthy.

11. Review your budget every year

Every year, review your income, budget, savings, and debt. Life changes, you get a new job, or you have a baby, you realize these changes mean you need to adjust your budget or taxes since you now have a little tax exemption. Other things that affect your financial assessment include;

  • Rent changes
  • Health insurance premiums rise
  • The cost of living goes up-food, clothing, etc.
  • Inheritance
  • Auto-insurance goes up
  • Property taxes rise
  • Water or electric costs rise

Doing an annual review is like a health checkup.  You keep a pulse on how you’re doing financially and can adjust things if needed at this point rather than in a moment of panicked realization of some unexpected costs.

12. Write down all your expenses

This concept is simple enough, but many people don’t do it. Keeping a record of how you spend your money may be revealing. You may be shocked to find you’re spending lots of money on subscriptions or memberships you don’t even use.

13. Check your credit score

Your credit score is the number that shows lenders your borrowing practices. Knowing your credit score will help

  • Keep your loan interest rates lower when you borrow money
  • Helps you know your overall financial health
  • Make sure your score hasn’t been compromised
  • Determines if you can spend money on a house or car
  • You may not be able to rent an apartment if you have a bad credit score

Having a good credit score is like taking care of your body. Keep it healthy, and you’ll be able to do more things with fewer problems.

14. Use bank apps

Downloading your bank apps on our phone is excellent for keeping tabs on your spending habits. You’re more apt to check your phone since you carry it around. Plus, you’ll get notifications when your account gets hit, so it’s more secure, too.

15. Start saving for holiday costs in January

How many days till the holidays? The best time to save for the next holiday season is as soon as the season is over. Holiday gifts, parties, and travel all add up. When you save early, you won’t be hit with huge expenditures around the holidays.

Financial planners suggest you put aside $50 every month starting in January for your holiday fund. By the time you get to the holidays, you’ll be ready to pay for everything without going into debt.

16. Invest if possible

Most financial planners suggest you invest, even if it’s just a little bit of money. You could invest in

  • the stock market
  • real estate
  • Your employer’s retirement plan
  • 401(K)
  • mutual funds

17. Learn to say no

It’s easy to spend money because of others. If your extended family wants you to join in on a beach house rental for a week, it’s tough to tell them you can’t afford it. It’s hard to admit to your co-workers you can’t go out for drinks with them on Fridays. It takes strength to just say no, but it’s the best choice when you’re trying to get yourself financially stable.

18. Cut out things you don’t need

It’s easy to spend on unnecessary things. Whether it’s purchasing a large coffee every morning at a coffee shop or buying snacks at the snack machine every day, these things add up. Go over your daily, weekly, and monthly expenses. Stop spending money on these little habits. It’s a simple way to save money.

19. Save extra money

If you get a big tax refund, stow it away in your savings account as soon as possible. Things like a bonus at work, an inheritance are perfect for your savings. They weren’t part of your budget, so it’s money you didn’t expect to save.

20. Wait a day before buy

Financial planners would agree that giving yourself a good twenty-four hours before you make a purchase. This waiting period helps offset impulsive purchases. If you’re shopping online, see if you can put your items on a wish list, then go back a few days and see if you want to buy them.

21. Make a cash-only rule

Some financial planners suggest this money saving tip of spending only cash for a brief period. They recommend this so you can get control of your overspending. It’s an abrupt way to get your spending under control, but it might be worth a try.

Final Thoughts on Implementing These Money Saving Tips

These money saving tips will help you get your finances in order. With careful planning, you can lead a satisfying and secure financial life.