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[Clansgian AT wmconnect.com]

We carry liablity on our vehicles.  The insurance company would pay us 
nothing for the loss of our bottom-feeder vehicles anyway.  But it takes the 
most 
innocent tap on someone's car for them to claim all and sundry dire injuries. 
 
So my conclustion has been that if gas and tags and such are the bare 
essentials for driving, so is insurance.  If ever the insurance becomes so 
odious that 
I don't want it, I will stop driving.

With the world oil situation, that could soon be a moot point anyway.

Likewise house insurance, which also covers the farm, is pretty cheap here.  
What this and the auto insurance means is that if I am bothered by someone's 
claims, the insurance company can have the headaches.

All my business is conducted through an LLC so any liability from that 
quarter would garner the claimant and their sheisters nothing, as the well 
know and 
so it is no temptation.

Also Tennessee is one of the states in which all property is held by married 
people as "tenancy by entirety".  This means each spouse fully and separately 
owns all communal property.  If someone obtains judgement against me, Denise 
still owns the all our property in its entirety and so it cannot be attached. 
 
And vice versa.  It behooves one to know if this is the case in your state.  
Here is is automatic and in some states you can opt for it.

As far as health insurance goes, the poeple who have expressed that cash 
payers are charged MORE are entirely correct.  That's to make a case that the 
insurance companies are getting a bogus deep discount.  When dental insurance 
was 
uncommon, a filling cost $16.  Just as soon as insurance covered it, the 
average around here shot up to $80.

The best insurance is live as well as you can, and that includes taking a 
long hard look at the 'malady du jour' that everyone claims at any given 
time.  
Spend the attention funds on good food, good work, and a good attitude.  The 
odds that insurance backed medicine is going to correct something are far 
worse 
than the odds that you could prevent it to begin with.

At our ages health insurance would cost four times it otherwise takes us to 
live.  Why mirthlessly enslave oneself to such a system?  Better, says I, to 
live well while one can than to live half-assed because of a fear of 
something 
going wrong.

James   </HTML>