Yes, I have auto insurance. I shopped around and found the best deal I could, one that I thought was reasonable. I pay just under a grand a year for full coverage, and a little exrta for commercial liability coverage for the delivery thing. I had quotes from over $2,000 to just a little lower than the one I choose. A lot of competition in that industry. Lots of companies working to get my buisness. The one I choose actually came down a little on price to be more competitive. So as the consumer do I feel like I got a fair deal. Absolutely. Did anyone take advantage of my need to have insurance? Not that I can tell. They simply fulfilled my need. Supply and demand.
But if I felt strongly enough that it was impossible for me to purchase insurance at a fair price, (which I don't), I would do something else. I could move to NYC and walk and ride subways like millions of people there do. Or I could move down south and get a home close to where I worked and not need a car either. There are options, again, if you feel strongly enough. Just being poor, like me, and thinking things costs too much so someone's taking advantage of me isn't reality. Like I've said in the past, I made choices that I now have to live with. I should've gone to college. I could've stayed in the Navy until retirement, (at age 38!!). But I choose a different path. No one choose it for me, so I'm not looking to blame The Man, the Government, or anyone else for my less than stellar performance thus far. I still think I'll do ok in the end.
Don't let the class warfare kooks beat you. When did we all become entitled to have all the same things everyone has? Prior to WWII most people lived on farms and had very little. So was it after the war that all of a sudden we were supposed to have everything the Rockefellers had? Was it the 60's, the 80's? I didn't know it ever happened at all. The media and other certain groups push it in our faces, try to make us envious and jealous of those who have more. But if you follow that line of reasoning, all the third world countries could look at us and say "Hey, you have so much, you must have taken it from me!". Nope, I don't buy into any of that. I have never taken anything from anyone, and my country has helped more people in the world than every other country combined.
Government, nor any other entity, can guarantee outcomes in life. The best, and only thing they should do, is to make certain everyone has an equal opportunity. What people make of it is there own reward or consequence.
I'm 44 and going back to school. I get a degree and maybe make six figures before I'm all done. You could do the same. And you know what? Then your whole perspective changes.
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Today's Featured Article - Third Brush Generators - by Chris Pratt. While I love straightening sheet metal, cleaning, and painting old tractors, I use every excuse to avoid working on the on the electrics. I find the whole process sheer mystery. I have picked up and attempted to read every auto and farm electrics book with no improvement in the situation. They all seem to start with a chapter entitled "Theory of Electricity". After a few paragraphs I usually close the book and go back to banging out dents. A good friend and I were recently discussing our tractor electrical systems when he stated "I figure it all comes back to applying Ohms Law". At this point
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