Submitted by Michael Andre Jr.

michael andre jr. is a graduate of baylor university; he is a commercial insurance professional with over 20 years experience. mike and his wife joy are celebrating 19 years of marriage.

Here are Michael's "Five Rules For Life":

1.) Learn from your mistakes, stop worrying, and enjoy life.
Everyone makes mistakes. Don't hide from a mistake - admit your mistake, learn from it, and move on. Do your best not to make the same mistake twice, but do not worry and lose sleep over them. Look back over your life and realize that of all your worries that caused anxiety, most mean nothing today. Act decidedly and take the consequences; no good is ever done by hesitation. Take advantage of things that can give you enjoyment now.

2.) Help your fellow man.
My greatest satisfaction is helping others. This is not necessarily defined as loaning someone money when they are in financial distress. Examples include helping co-workers with questions and problems, being the "go-to" guy, and providing advice to family, friends, and neighbors. Another great example is helping an elderly person perform a difficult physical task. Expect nothing in return, and be happy if you get a smile or a thank-you.

3.) Exercise financial savvy.
Be smart about your finances. Being frugal does not mean being cheap. Do not carry any credit-card debt ever and use them to your advantage. Always strive to get the best deal for the money you spend. Don't be ashamed to use coupons - it is free money. Do your research, budget, and diversify your investments. Use your money as a tool that will work for you. You can have luxuries without being filthy rich if you have financial savvy.

4.) Do the best job you can...but do not trust your employer.
Work smart and love your occupation. Trust your friends and family but not your employer (this does not mean you need to dislike your employer). Remember that you can be the best at your job, have a great employer, and still lose your job. No matter how much you are valued by your company, you can be replaced. Loyalty is not reciprocal when economic hard times hit a company. Don't be offended, you are not dealing with a person - you are dealing with an entity that is trying to survive and make the best decision for the organization, not the individual. Always consider other opportunities that may come your way.

5.) Nice guys finish last...but only in the short run.
At the end of life, however, nice guys finish first. God will recognize you for the way you have lived your life when you go to heaven. Love your family, friends, and fellow man. Be a gentleman. Respect women and the elderly. Help young people with advice to guide them through life. Always do the right thing and do not lie. Recognize there are many people that are not as fortunate as you. Do not judge others or be envious and greedy. You don't have to be a saint, but realize that your actions in life define you.