What you think does matter

We all think that insurance is a waste of money - that is until we need it. A co-worker of mine was telling me how a client of his was getting a large $90,000 dollar check from his home insurance company. Apparently the client was home and decided to start cooking his evening meal, then decided to go outside and check on the kids. He spent a wonderful time playing catch with the kids and then realized that he forgot that he had forgotten about cooking dinner. I guess all that billowing smoke and the flames bursting from his home must have been a clue. Sadly enough his entire home was burned down to the ground, thankfully no one was hurt in the fire. Having a house - the great "American" dream.... no one likes paying for house insurance - that is until you need. I have never really enjoyed anything that has to do with insurance, I simply can not put my head around the idea that we are basically gambling with me having my life turned upside down. My house, every American has on