Pouring wine onto yourself means you might be crazy.
There are a lot of crazy and insane people in this world, and I should know because I used to be one of them. Strictly speaking crazy means you’re wild and possibly aggressive, while insane means you have an abnormal view of the world. Both mean that you can’t interact normally with other people, and that any relationship you’re in is likely to lurch from one crisis to another.
Symptoms of being crazy and insane include extremes of; being intense and passionate, being unstable, doing stupid and dangerous things on an impulse, self-harm, excessive consumption of booze, taking drugs, smoking marijuana, engaging in cheap and meaningless sex, nudity at inappropriate times, mood swings, explosive bad temper, insomnia, extremes of jealousy, panic, paranoia, schizophrenia, feelings of worthlessness, depression, euphoria, and quite a few more personality disorders and character defects.
Most crazy and insane people have most of the above problems some of the time, and most of us have self-diagnosed and tried to cure ourselves with much more of the same things that drove us crazy in the first place.
Insanity is doing the same thing over and over again and expecting different results. ~ Albert Einstein
Or we try to cure ourselves by switching from one crazy and insane set of behaviours to another~ say from depression and melancholia to copious quantities of booze and indulging in unsafe meaningless cheap sex.
I wouldn’t recommend alcohol, sex, drugs, or insanity for everyone, but they’ve always worked for me. Hunter S. Thompson
How do we know if we’re crazy and insane, or as ‘normal’ as the rest of the crazy people out there?
One person’s craziness is another person’s reality. ~ Tim Burton
Some say that if you have to ask yourself the question, ‘Am I going crazy‘ then you probably are insane and crazy. And, that if anyone else says that you’re crazy, then most likely you are. Of course, you can find Am I Insane?, Personality Disorder Tests, and Just How Insane Am I? tests online. Or, find your own online insanity / craziness tests. Your results might surprise you ~ a lot.
The last time I took one of these on-line tests, to see if I was suffering from Borderline Personality Disorder, I came out at the extreme bad end of the scale.
Alternatively you could just look for these attitudes, feelings, and behaviours in yourself;
- Delusions, hallucinations, paranoia, jealousy, anger
- Mania, depression, thoughts of suicide
- Memory loss, personality changes and mood swings, time and place distortions and disorientation
- Talking to yourself, talking to your pets and plants, giving unwanted and unsolicited advice, believing in angels, demons, extraterrestrial abduction, ghosts, gods and goddesses, past lives, and witches.
If you suffer from / truly believe in any of the above, it may mean that while you are doing the best you can, and are thinking deeply and seriously about yourself and your issues, you’re not thinking clearly, and you may be a couple of sandwiches short of a picnic.
The scientists of today think deeply instead of clearly. One must be sane to think clearly, but one can think deeply and be quite insane. ~ Nikola Tesla
Another sign of utterly crazy insanity is being addicted to anything; Alcohol, Anger, Coffee, Cough Medicine, Drugs, Food, Gambling, Jealousy, Laziness, Masturbation, Pornography, Prescription Drugs, Sex, Shopping, Smoking, Social Media, Technology, Trivia, or Work. (Trust me, people can and do get addicted to just about anything.)
Perhaps the easiest things to check to see if you really are an addict is to see if you’re suffering from; alcoholism, drug addiction, or sexual addiction. Alcoholics Anonymous have a very, very good self test that will let you know if you’ve slipped from being a social drinker to an insane boozer. There are similar self tests for drug addiction and sexual addiction.
However, the chances are that if you find yourself ever taking one of these tests, then you are already crazy, insane, and slightly weird. That doesn’t mean you are bad and stupid, it means that you’re unwell.
I’ll take weird and crazy over stupid any day. ~ Joss Whedon
Of course, another sign of being crazy, deranged, insane, peculiar, strange, unstable, unusual, or weird, is doing things in secret and lying about what you’ve done afterwards. And, lying includes lying by omission, refusing to say anything at all, and only telling part of the truth.
The problem with slightly crazy people is they do crazy things ~ and you will know this to your cost if you’ve ever dated a bunny-boiler, stalker, self-confessed witch… or any of the other strange people out there.
So if you’ve been a little bit crazy recently, acting like a sack of cats in a thunderstorm, how do you recover?
- Fully and honestly accept that you haven’t been doing so well lately.
- Figure out / try and remember just what the hell you’ve been doing that’s so bad you’re reluctant to even admit it to yourself.
- Go and see your doctor and honestly tell them what’s been going on.
- Take whatever medication your doctor advises.
- Stop self-medicating with booze, drugs, sex, or whatever.
- See a professional counsellor / therapist for whatever flavour of crazy insane you’ve been.
- Get plenty of fresh air, exercise, and sleep.
- Have a good diet, eat plenty of fresh fruit and vegetables.
- Try soothing and calming stuff; meditation, restful music, reading uplifting books, talking long walks in the forest or by the sea, yoga
- Apologise to everyone you have harmed, unless doing so will only make things worse.
- Make a solemn promise to yourself to be a ‘better’ person.
- Just get through each day without being a totally evil crazy insane wazzock, just one day at a time.
In my case I was completely crazy and insane due to a chronic lack of critical vitamins and minerals in my blood, (potassium and thiamine) ~ because I wasn’t eating properly. The symptoms of a lack of potassium, and a lack of thiamine are quite severe~ literally you go crazy insane, and possibly die.
The upside is that within a couple of days of taking prescribed, very strong, vitamin and mineral supplements I made a miraculous recovery. Today I feel very well indeed, in body, mind and spirit.
So however bad you may feel;
nil desperandum ~ carpe diem ~ noli illegitimi carborundum
and that’s crazy.
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The philosophy of fasting calls on us to know ourselves, to master ourselves, and to discipline ourselves the better to free ourselves.
On Monday of this week I was admitted to the rehabilitation ward of my local hospital. I was so confused at the time the doctor didn’t give me any choice in the matter.
The problem is I haven’t been eating and I’ve lost a lot of weight. I’m now just 135 pounds, which is 20 pounds lighter than I was a short while ago.
Not eating does all kinds of bad things to the mind and body, including confusion due lack of potassium in the brain.
Today I was released to return to the garret, with the strongest possible warning that I need to take much better care of myself.
So I am now on a better programme of food, liquid, vitamins, and minerals.
I already feel much better.
Pink isn’t just a colour, it’s an attitude.
I saw a girl driving a shocking pink car today. It could have been worse, it could have been a guy driving a shocking pink car. (It could have been the Pink Panther.) I started to wonder if anything really looked good in pink, and I came up with pink drinks for a summer’s weekend.
Well, actually you could drink these pink drinks at any time of the year, but I think they all look very summery and cooling for a stinking hot and humid day.
And yes, there are cocktails called The Pink Panther, the recipes vary, but girls should beware of all of them.
The ever elegant Heather Christo has some very ‘cool’ drinks recipes, including; spicy watermelon sangria, cherry pomegranate ginger vodka lemonade, and this really pretty in pink watermelon cucumber gin lemonade.
Wetermelon Cucumber Gin Lemonade
Tieghan Gerard from Half Baked Harvest has some really great looking ‘pink drinks’ too; frozen watermelon rosé sangria slushies, raspberry rosé tequila kombucha, and this vicious sounding jalapeno bloody mary.
Jalapeno Bloody Mary
San Diego girl Averie Sunshine has a drink that’s sort of pink in this Malibu sunset, which is made with pineapple and orange juice, coconut rum, grenadine, with some added cherries. Malibu Coconut Rum is a pretty cool spirit with lots of mixers; try it with Coca-Cola for a different tasting Cuba Libre.
Watermelon, Fresh Herbs and Sotol Cocktail
Seattle girl Heather, the Flourishing Foodie has this recipe for a rhubarb collins, and she also tells us how to make simple syrup ~ an essential ingredient for many, many long cocktails.
Chungah at Damn Delicious has this dead easy and very refreshing strawberry thyme prosecco ~ I love that Chungah uses limoncello in this recipe. This drink is very pink indeed.
Strawberry Thyme Prosecco
And finally for now, found in Allrecipes magazine, we have this recipe for Jewel’s watermelon margaritas created by Rainbow Jewels. How cute.
Jewel’s Watermelon Margaritas
Please always drink responsibly ~ you know it makes sense. Girls, beware apples laced with anything alcoholic, narcotic, or soporific.
guys need a cocktail recipe book
The Parable of the Good Samaritan.
These days I seldom dream. Last night I had a vivid dream reminding me of a moment in my past.
There was a roadside casualty, a girl in the gutter. Obviously I stopped my car, got out to give assistance, and while I was putting the girl in the recovery position someone drove off in my car. Then the girl got up and ran off, and a guy does not chase a woman late at night. All of which was a bummer because I was then stranded on the wrong side of London, late at night, no wallet and no cell. (We call them mobile phones, and my wallet was in my jacket in the damn car.) Just getting back to my place took until mid-morning, and then all the phone calls cancelling cards, contacting my insurance company, telling the office I wouldn’t be in…. And that was a great car, which I never saw again.
That wasn’t the first, or the last time, my being a ‘Good Samaritan’ caused me much grief, pain, and suffering.
From trying to help a drunken woman in the street, to giving my bank details to a charity worker, (bogus), to rescuing a woman who was being hassled by a drunk in a bar, to driving an acquaintance home late at night, to helping out a coworker solve a tricky problem, to not having first date sex with an inebriated woman… Well, the list of ‘nice’ things I’ve done which then caused me much grief goes on, and on, and on.
Too often in my life I have tried to do the right thing, to be the good guy, the man in the white suit ~ and what has it ever got me? Trouble.
Even in close relationships I’ve found, to my cost, that being a genuinely kind, caring, and considerate guy, leads to trouble in the end. Women can and will walk all over a nice guy.
It seems that many people see a good guy as a soft touch, someone that can be trampled underfoot, someone of no real account. A geek, a jerk, a loser.
Well, maybe that’s their loss.
I can retain my ethics and morality, but my dream tells me that I also need to exercise harsh judgement in the people I am prepared to be kind to. There is no more universally nice Jack Collier.
What ever became of the Good Samaritan anyway?
Terrorism is a significant threat to peace and security.
In some places I could be prosecuted for a hate crime, or at least be accused of racism, for even using the term Islamic Terrorism. The simple fact is, the number of unspeakable acts of violence perpetrated by Muslims purporting to support Radical Islamic organisations such as ISIS / Daesh, has increased exponentially in recent months. It’s terrorism, done by Muslims, and just lately a lot of innocent men, women, and children have died because of it. The Muslim Terrorists are proud of what they do, and have no sympathy for the people they kill and maim.
Whether most Muslims are peaceable is irrelevant. The fact is that fanatics rule Islam now and act-out what the Qur’an truly says… maul, march, murder every infidel if they won’t convert. ~ Gary Patton
Since the horrific events in Paris on Friday November 13th 2015, when 130 people were killed, there have been terror attacks right across Europe, America, and the Middle East. These terribly memorable events go on, and on, and on.
On 19th December 2016 a truck was driven into crowds of innocent shoppers at the Christmas Market in Berlin.
On Wednesday March 22nd 2017, an SUV raced through pedestrians walking across Westminster Bridge in London, before crashing into the gates of the Houses of Parliament.
The left-leaning, and ever so tolerant, Metropolitan Liberal Elite keep to their mantra that Muslims are not terrorists. Tell that to the families of those killed in the Twin Towers, the Pentagon, and aboard the four hijacked airliners on September 11th 2001.
Or come to London and tell that to the families of those killed and maimed on Public Transport on July 7th 2005.
It’s not just in Europe and North America that Muslims kill the Kafir. Yesterday, Sunday April 9th 2017, Palm Sunday, two bombs exploded in Chuches in Egypt. Many Muslims in Egypt and all across the Middle East hate their own Coptic Christian minority populations just as much as they hate other Christians. Egypt is a popular tourist destination, but the whole country is quite dangerous, up to and including your flight out of it.
The list of terror attacks committed by Muslim extremists goes on, and on, and on. Civilised Peoples cannot ever appease extremist religious terrorists, we cannot negotiate with extremist religious terrorists, and we can never win their hearts and minds.
Right now, there are some places in the world I would not like to visit, unless my trip was essential. Among these countries are; Turkey, Syria, Israel, Jordan, Egypt, Libya, Tunisia, Algeria, and the soft tourist target of Morocco. If I was unfortunate enough to have a non-essential trip booked to any part of the Middle East, I would seriously reconsider my options. Going on a vacation isn’t worth risking my health and life on a bad bet. Neither would I be keen on travel to Berlin, Brussels, or Stockholm for a while. At the moment I would only go into parts of Central London if I had to.
This world has always been a dangerous place. I am afraid that it’s becoming more and more dangerous by the hour.
Let’s all be careful out there.
There is a warrior’s path to the end of suffering.
In my life I have been lost, often alone, and sometimes in pain. I have been down and disappointed, I have been beaten by misfortune, I’ve been so tired and despairing I could not eat or sleep, I’ve been crushed by unrequited love, I wanted things that were always out of reach, and I was so lonely I cried bitter tears. Then I found a guiding star to wish to, and that bright star led me to a good place of freedom from pain and suffering. Now I can cross broad oceans, climb tall mountains, see the far horizons.
Now I can experience true friendship and real love.
Astronomy compels the soul to look upwards, and leads us from this world to another. ~ Plato
You too can find your star to wish upon and to follow, if only you are prepared to search both the heavens and deep within yourself.
In the Hitchhiker’s Guide to the Galaxy a supercomputer reveals that the ultimate answer to Life, The Universe, and Everything is 42.
The answer to the Great Question… Of Life, the Universe, and Everything… Is… Forty-Two. ~ Deep Thought
This was meant as a joke, 42 was just a random number picked out of thin air by Douglas Adams, the author of the Hitchhikers Guide to the Galaxy. Allegedly. However it turns out that the number forty-two has symbolism and special meanings in a whole raft of philosophies, religions, and magical convictions. Forty-two is a highly symbolic number slipped into a work of fiction, seemingly by accident, or coincidence.
However, despite what some may say, there is an answer, a simple answer to Life.
If we are to believe numerology then 42 is an Angel Number, and the energies of this number bring us an inner-wisdom to help us pursue our Life Purpose. To pursue your Life Purpose, then first you must realise that the true purpose of your life is to live and to grow ~ to grow physically, mentally, and spiritually, in health and happiness. That may be a long, long way from where you find yourself right now.
In order to get to where you want to go, you first have to know two things;
- Exactly where you are right now.
- Exactly where it is you want to get to.
You don’t need to know the road in-between, that will become only too apparent on your journey to your ultimate truth.
If you are anything like I used to be, then where you are right now could be unhealthy, unsatisfying, and depressing. There may be no real joy and happiness in your life. You may see no way out, even though you have sought relief and escape through religion, inspirational books, motivational speakers, support groups, counsellors, psychologists, doctors, medication, booze, street drugs, gambling, casual sex…
None of those escape routes will work for long, and the consequences of some methods of escape from hard reality just make things much worse. I know, before I found my own ultimate truth, my own warrior’s path, I tried just about every quick fix there is.
There are more false prophets than there are those inspired by an ultimate truth.
Taking the wrong road through self-destructive behaviour leads to one rock-bottom after another, and each new rock-bottom is worse than the one before.
There are no quick fixes in Life, and nobody can fix you but you.
The Ultimate Truth is this; Life is Difficult and Painful.
Once you are prepared to recognise that truth, once you are prepared to accept, appreciate, and understand that Life is Difficult and Painful, then you can transcend all pain and suffering. You can take your first step on the warrior’s path to freedom from desolation and misery.
The first step in any journey is always the hardest. It will mean uncertainty, leaving your comfort zone, doing things that seem unnatural, and at first it may seem just as painful as the misery you’re trying to leave behind. But, you have to know this ~ follow the warrior’s path and things will get better. Your life will become even better than you could ever have imagined it could be.
The first step is to recognise and accept that you are the cause of your own unhappiness. Whatever the proximate cause of your misery and unhappiness, be it alcoholism, gambling, an abusive relationship, or whatever is your personal purgatory, the ultimate cause of your pain is your own need for instant gratification. We must to accept that the causes of all our problems and unhappiness are our own cravings, desires, wants, lusts, needs, and our blaming of others when things don’t go the way we want them to.
Self-discipline is hard, it means not taking that next drink, not having that next cigarette, not overeating, not placing our happiness in the hands of another. Self-discipline means turning up for work on time, getting enough good quality sleep, getting enough fresh air and exercise. Self-discipline means not blaming others for our misfortunes, not spending money we don’t have, not allowing ourselves to become infatuated with someone who will never truly return our affections. Self-discipline is what will free you from pain, misery, and the teachings of false prophets.
You don’t need the hurt anymore, and you don’t need the pain in your life. I promise you that if you accept and understand that you can’t ever change what happens to you, but you can change what you do, then your shadows will turn into warm sunlight. Don’t ever allow yourself to give in to your craving for instant gratification, have the patience to appreciate, accept,and understand yourself, trust in yourself and not in others, and your life will get better. Your whole life will improve very fast, and it will be better than you have ever dreamed possible.
Keep moving forward and opening new doors.
Big Brother is watching You.
Sometimes it’s called Political Correctness, and sometimes Equality and Diversity, and sometimes Inclusively, but by whatever name it’s a sickness taking over our society in the name of Human Rights. If you say the wrong thing, if your opinions don’t fit in, if anyone thinks you show disrespect towards minorities, you too could be prosecuted for a hate crime.
There was of course no way of knowing whether you were being watched at any given moment. ~ George Orwell, from 1984.
Along with many, many other UK Institutions All Souls College, Oxford, now has a diversity officer, whose job it is to warn or discipline colleagues who stereotype, show disrespect towards minorities, or create a climate in which an individual might feel their dignity infringed. That sounds a lot like thought police to me.
Campuses that were once havens of free speech are now patrolled and regulated by thought police. Intellectual dishonesty has become a job requirement for University Administrators. ~ Michael Barone.
A woman, 26, appeared in court accused of raping a man, twice. How the hell does that work? How can a woman rape a man? Turns out that the rapist, Katie Brennan, was born a man, but we weren’t initially allowed to know that because of the political correctness surrounding misgendering. To qualify as rape I assume that Katie Brennan still had male genitals at the time of the assault, but we aren’t allowed to know that either. I do know that, for a woman, the transgender Katie Brennan looks like a bloke.
The militant transgender lobby are powerful, and have found natural allies within the left-leaning liberal BBC, (British Broadcasting Corporation). Anyone who questions the self-proclaimed ‘rights’ of transgender people will be silenced.
Axe, machete, knife, truck, and bomb attacks all across Europe are responded to by anti-terror squads, even though nobody in the media ever calls these incidents terrorism, and certainly never Islamic religious terrorism. In order to fit in with multiculturalism we are usually told that the attacker comes from somewhere that isn’t on President Trump’s list of banned countries, (until the real story comes out). Even the British Government are keen to push this non-Islamic terrorism line by saying that one in three terror suspects arrested in Britain last year was white. Which means that two-thirds of those arrested in the UK on suspicion of being a terrorist was non-white. Only 10% of the censored UK population is non-white ~ so 10% of our population commit 66% of terrorist attacks. Yet, nobody is ever allowed to say that Islamic extremism is a problem in Great Britain ~ because of Political Correctness.
The term ‘Political Correctness’ has always appalled me, reminding me of Orwell’s ‘Thought Police’ and fascist regimes. ~ Helmut Newton
The thought police are powerful enough to stifle scientific debate, change world politics, and even dictate the car you drive to work. Anyone who dares to challenge the politically correct view that man-made carbon dioxide is causing catastrophic anthropogenic climate change will be labeled a ‘denier’. This is the language of religious intolerance and has nothing to do with science. You know what? The whole man-made global warming industry is a scam, and pointing out that the Emperor has no clothes will have the proponents of global warming going into fits of apoplexy. But respectable scientists never question the man-made global warming mantra because to do so would mean that they never again get published, never get another grant, see their tenure cut off… Question anthropogenic climate change and your career as a scientist is over.
Women can say anything they want to men, or blacks to whites, with impunity. But strong words in the other direction can bring down the wrath of the thought police, as well as punishments… ~ Thomas Sowell
I am English, and I like to think I’m a Gentleman, so there are some things I would never say in public, and there are some opinions which are an anathema to me. However, there are some things I’d like to say, and some thoughts I’d like to think, that I’m not allowed to for fear of running up against the Politically Correct, Diversity Inclusive, Thought Police. I thought we’d spent the last few hundred years working and fighting for freedom of thought and expression.
Maybe not. Maybe I am a prisoner in my own land.
Remember, Big Brother is watching You.
a fool and his money are soon parted
If you want to lose money really fast, or just guarantee that you will go broke eventually, then here are some brilliant ideas for you;
- Online Gambling. Gambling in any form ~ from playing the slots in Las Vegas, to betting on horse racing at a high-street bookmaker in England ~ is guaranteed to lose you as much money as you like. All those attractive online gambling sites just allow you to lose your money with 24/7 dedication from the comfort of your own home / office / car… Online Forex Trading is just another form of gambling ~ you will lose loads of money.
- Forex Trading. The foreign exchange market exists for some very sensible reasons ~ it allows me to pay for a hotel stay in Wyoming, (priced in $), on my English credit card, (denominated in £). Unecessary trading on the the Forex Market also allows idiots to risk vast amounts of money, and then inevitably lose it. I’m an expert in all this stuff, and it would take me a week to teach you the basics, so just trust me, you will lose if you go online trading. Even companies like Rolls Royce get burned, (lately to the tune of £4 billion), due to unecessarily hedging the Forex Market.
- Expensive New Cars. A hot set of wheels might boost your ego, get you a hot date, and it will also lose you a fortune. Almost all cars depreciate over time, and some high-status cars depreciate at an horrific rate. Add in the high cost on insuring your new car, and the good chance that you’ll crash the thing if you ever drive it hard, and an expensive new car can be a real money pit. Best of all, get drunk, drive really fast, and then roll your car down a freeway embankment. By the way, never believe a car salesperson, all sales people are professional liars, and I should know because I used to be one.
- Online Dating. If your expensive new car hasn’t got you a real date, you could be a totally insane pathetic loser and try online dating as well. Online dating isn’t cheap, both in terms of money and time. And, it’s one of most dangerous things you can do, for example both human and robot scammers target the sad people who use online dating sites. Or, you could get used, abused, robbed, raped, or dead. If you just want to ruin your life, the get yourself addicted to paid online porn.
- Dangerous Drugs. I include here; street drugs including marijuana, prescription drugs, party drugs, legal highs, tobacco, and booze. To really waste a great deal of money while ruining your health and your life along the way, then get into everything at once. Best of all get buzzed and go on the internet with your credit cards to hand. Do not go near 12 step groups like Alcoholics Anonymous.
There are some other brilliant ways to go broke fast; trophy wife, mistress, toyboy, high-class hookers, marrying a foreigner, getting sick abroad without proper insurance, buying a home without having a full survey, signing things you don’t understand, and perhaps best of all guaranteed get rich quick schemes.
If you really throw yourself into the above activities, not only could you lose all the money you have, you could also get yourself heavily into debt with some nasty people. Along the way you are very likely to lose your self-respect, job, real friends, home, family, health, and maybe your life. If you want to go downhill really, really fast, then I recommend you start at #5 and work your way upwards.
Most of you will never get as far as #1 because you’ll be on the streets, in jail, or dead long before that. If you work diligently at #5 you could be dead broke and dead in a couple of years.
Good luck with totally ruining your life by getting heavily into any of the above financially stupid moves.
these thoughts are mine, and mine alone
Before we go any further to talk about the most common types on insurance ~ and do you need them or not? ~ there is something you should know about insurance agreements. Any contract of insurance is a contract uberrimae fidei ~ a contract of utmost good faith. This means that you must tell your insurance company everything and anything which may have a bearing on the risk they are taking on. If you keep any significant information back, the chances are you are not insured at all.
For example, if you have put bigger wheels and tyres than standard on your car, you should tell your car insurance company. If you’re an alcoholic / drug addict / smoker / overweight / pyromaniac, you should tell your Life Assurance company. If you have ever been refused insurance, you should tell your insurance company. And when you advise your insurance company of something pertinent, do it in writing.
All insurance companies love to collect premiums. All insurance companies hate to pay out for any claims, and will do anything and everything to avoid paying a claim. For example, you not telling your car insurance company that you have recently been found guilty of driving while intoxicated will most likely void your insurance entirely, and they will not pay out under any circumstances. So if in doubt, tell all, in writing ~ else you’re probably not insured at all. And, always pay your insurance premiums by automated bank transfer / direct debit / ACH transfer.
Your best friends when it comes to making a claim are photographs. Always take plenty of pictures of everything, including your home / car / self as it is right now, before anything bad happens. Store these pictures in a cloud, on your blog, in social media… so you can always get at them if the worst happens.
The five most common and necessary types of insurance are;
- Motor / car / vehicle / driver’s cover. In civilised countries it is a legal requirement for you to be insured for the exact car you are driving. The penalties for driving while uninsured are severe. In the small print of your insurance policy it probably says that you should not drive while you are incapable, and that includes driving after drinking. Have an accident drink driving and the chances are you are uninsured.
- Home and contents insurance. Because of the inflexible nature of the laws of probability, you should have your home and its contents fully insured, or face a life on the streets. Maybe add a margin of 10% in excess of the estimated values, to account for unexpected expenses while you put your life back together after your home has burned down, blown up due to a gas leak, been destroyed in an earthquake, flooded…
- Travel insurance. When travelling abroad you may, or probably may not, be entitled to medical services in the country you are visiting. You may have an accident, lose your luggage, get hijacked, robbed… any number of disasters may happen. Travel is by its very nature hazardous and stressful. Things which would be a minor inconvenience at home may become a catastrophe if they happen in a foreign country, or even a different state. If you are travelling abroad, or a very long way, you need comprehensive travel insurance. Only idiots don’t buy travel insurance.
- Medical / health insurance. I’m English and I don’t have any medical insurance, and that doesn’t bother me in the slightest, (for reasons that are too complicated to go into here I do have dental). In the United Kingdom we have a National Health Service, (NHS), which provides free treatment at the point of care. The NHS is paid for out of taxation. Canada has a similar system. If you live anywhere else you really, really need comprehensive medical cover. But remember, you must tell your insurer everything there is to know about your degenerate lifestyle.
- Life Assurance. (not life insurance, you are going to die, you can’t insure against it). A whole life policy pays out a sum of money when you die. You don’t need this. However, if you have a dependant family, then you may want to look after them when you’re dead, therefore most heads of households buy one or more life policies. You don’t actually need to do this. It’s actually much more cost-effective to just save the money you would have paid in premiums. But nobody has that much self-discipline. I have no dependants, therefore my life assurance policies are utterly pointless, except to pay for my funeral.
Getting life insurance is like making a bet you can’t win. If you live, you don’t get the money. If you die, you don’t get to enjoy the money. ~ Oliver Gaspirtz
There are many, many other common forms of insurance, and some really esoteric insurance policies. Lloyds of London will insure against just about anything. You could probably have got insured at Lloyds against Donald Trump being the 45th President of the United States. After all, insurance is really just a bet.
Even Life Assurance is just a bet. The bet isn’t about if you’re going to die or not ~ no matter how much you pray you are going to die. With life assurance the bet is about when you are going to die, not if. And, if you think about it, that’s just creepy.
these opinions are mine and mine alone