Is Insurance an Investment or a Scam?

Insurance is an idea that goes back to thousands of years before Christ. In early Chinese history, merchants would redistribute their wares on many vessels to avoid a huge loss if one vessel was capsized and lost. In ancient Greece and Roman times, ”benevolent societies”, were groups of nobles who would take care of members families if disaster would befall them. In 1680, “The Fire Office” was established to insure against deadly fires and loss of habitat in London. Benjamin Franklin helped to popularize the practice of insurance, especially fire insurance, during colonial times in Philadelphia. In the later 1800’s, Fr. McGivney founded the Knights of Columbus. This Catholic society for men was founded originally to take care of widows and orphans as a result of injuries and deaths caused on the docks of Bridgeport, Ct. Today it still functions as one of the most successful insurance companies in existence.

There are many types of insurance, but personal insurance on one’s life, home, health and work are the most common. Life Insurance is a good bet for those who wish to safeguard one’s family in the event of the death of the major provider. Term life insurance is inexpensive and serves the purpose. Whole Life Insurance is more of an investment strategy and many times is not the most optimum choice.

Property insurance prevents losses by theft, fire, burglary or any natural calamity. Most people must carry this insurance to finance loans which require this protection.

Health insurance consists of a package of various types of insurance related to health. Medical insurance to guard against major costs of surgery or doctors bills is quite common. Insurance for injuries is a bit less common and must be studied carefully to avoid expensive alternative insurance based on the possible pay-off.

Auto-insurance is required by law in most states and has become part of any car ownership expenses.

Travel insurance covers losses incurred while traveling or the cost of travel itself in case of an unavoidable delay or cancellation.

Credit insurance is required many times if a debtor is trying to take on a large loan and the bank requires safeguards.

Insurance is a major business that has a firm grasp on today’s economy. While insurance can be a major addition to financial security, it must be carefully examined as many insurance policies are expensive gambles. Like any business transaction, insurance must be studied carefully. Here is a complete personal financial planning guide which provides you links to various investment resources to study further.

Dogs Rule and Cats Suck

The best thing about cats is that they taste just like chicken! They do not serve any viable purpose unless they are catching rats on a farm or in a manufacturing plant. Unless you have rats in your home, why have a cat? They are not trainable. They won’t fetch. They won’t come when you call them. They jump all over your furniture and even on your kitchen table! They are not loyal but look out only for their own interests. Cats urinate and defecate in your house in a box of smelly litter. They cost money to maintain and they offer no attributes in their defense. Cats are for people without the balls to own a dog.

Dogs come in all sizes and shapes and their sole purpose in life is to please you. They greet you at the door when you come into the house, and they look so sad to see you leave. Regardless how long you leave them, they again celebrate the moment you return. Dogs love people! They are loyal to a fault. They will defend you and even put themselves in danger to safeguard you. They keep strangers at bay and they protect your home and your family. Dogs are wonderful companions. They are happy just to hang out with you for hours on end.

Cats really don’t like people- they just tolerate people to get what they want. They have their own agenda. They do nothing to earn their keep. You can’t even take a cat for a walk. Most cats shed worse than dogs and they live much longer so you are stuck with them for years and years- long after you are sick and tired of them. Babies and young children must be careful not to upset a cat or they will suffer the consequences of this self-centered four-legged anti-social creature.

Dogs really care about your moods. They are solicitous when you are down or feeling bad. They can celebrate at the drop of a hat. They can get your newspaper and they use the outdoors as their restroom. Dogs will come when called and stay when told to remain. Dogs are always ready to go with you anywhere, anyplace at any time. Dogs are also great for working or doing specific tasks. They will run until exhausted just to please you.

Dogs rule- they are the best of God’s inventions! Cats prove that even God has a sense of humor.

What Do People Like?

Welcome to my first post of the “What Do People Like” blog. This isn’t really about you or other people, it is about me and what I like. Too many people care about what other people think and like. I am not one of those people. I will share my honest thoughts and opinions with the world and you can make the determination if you like them or not. I am 35 year old self employed electrical contractor from Chicago, Illinois. I am enjoying life and I just feel it is time to share my thoughts through the world wide web. That is why I created this blog. I hope everyone enjoys it, but if you don’t that is you opinion.