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

It's easy to forget that everyone that says they want to help - is honestly trying to help. lets face it, when your drowning it's hard for you to stop and consider - who is giving you a hand. When your drowning, all your looking for is any hand that appears to be outstretched enough to help. That is when you usually get burned, sometimes burned badly. I’m still hocked up on medication and I know I shouldn’t sign over the deed to my house to anyone. It happens to everyone. Crooks are not as stupid as portrayed in movies. They come in all shapes and forms. they are every smart enough to build professional appearances and even legal entities. It's stories like the one above - that proves no matter how good a helping hand may be - ask questions, do background checks, don't take a friends word over your gut feeling. And as always - if it sounds to good to be true - it's not good for you. Lets face it your drowning, if your going to go down - go with dignity.