BL> If you insure yourself, you have to make sure that you have the
 BL> money to cover the insurance, otherwise it's silly. 

 BG> Furthermore, I think life insurance is a complete waste of
 BG> money.

  Yair... it's better to either save your money or spend it.

 BL> I insure the house because I don't bet that big, but I don't
 BL> insure the car.

 BG> I gave up insuring my car a couple of years ago, and for the
 BG> first time in 10 years, I let both my house and contents
 BG> insurance lapse (although I'm still not completely happy about
 BG> that, even though it saves me $400 pa). 

  Aaarrgh! I don't insure contents because I can afford to carry it,
but betting the house is too much for me. Even so, I am tempted. It's
a double-brick house, and if it burned it'd probably only cost $30K
to restore.

  Insurance companies are crooks. They're charging me $230 a year on a
$30K risk = 130 years. I've lived here 20 years and one house caught
fire about 5 blocks away... 200 houses, say = 4,000 years per house.
It's bloody lousy odds! I'm getting 130/1 on a 4,000/1 risk! I'll back
Octagonal...

 BG> I happen to agree with you, although I'm still toying with the
 BG> idea of taking out a cheap $50 TPP policy, just in case I hit a
 BG> Ferrari or something. There are suddenly too many $500,000 cars
 BG> on the road for my liking... 

  I actually feel happier betting on my own ability than on the other
bastard being able to pay me when *he's* in the wrong. There are too
many on the dole driving wrecks with no assets out there. I wish
they'd make TPP compulsory.

  That's how I lost the $5K. The bitch was a destitute bludger.

Regards,
Bob


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