Reply #40: my wise grandfather said "It is betting against yourself, and being [View All]

[Bluerthanblue]

guaranteed that you will win the bet, making you a loser either way you look at it". He was a real old fashioned General Practitioner, and a farmer- lived 94 yrs, and practiced medicine until the early 60's- (in his late 80's) before insurance became the nightmare it now is-
I have very little insurance- no health, only have liability insurance on my auto, because i wouldn't want to be at fault in an accident, and leave the other person with nothing- and can't afford home insurance. We live in a very ...'rustic' home on a dirt road, but there is not mortgage to force us to carry insurance, which would mean having to give up our home.

Auto insurance in our state is optional- unless you've been convicted of DWI or have a bad driving history. My 22yr old son has his CDL- driving truck as part of his job, and doesn't drink- we only have the minimal coverage, for the reasons i listed above.

As for life insurance.... i've never understood that one- Cremation can be done for under 1,000 here- and casting my ashes to the wind will only be expensive if my kids take me to Jamaica to do that as i've asked them to do- so they can experience the one dream i've always had- to see the island, even if it is in spirit only.

Insurance is alot like dogma (i'm not talking about spiritual faith) It is mostly useful for those who don't believe in positive outcomes.

In my offthewall opinion.