I promised you a little bit about me, so here it is. I was born in a little shack in Greenville TX in 1942. My Dad was in France at the time tryin? to teach Germans to respect Texans, and I wasn?t doing much ? just kinda layin? around and goofin? off. ?Course, that is what you do from 0 to 2 years old. I went to live with my grand parents at the age of three. We lived in a little cabin my Grand Dad built. It was kinda secluded ? about a mile back down in the woods. I was 8 years old before I lived in a house with electricity or indoor plumbing.
We were share croppers. Now for you folks that have no idea what a share cropper is, let me enlighten you. The share cropper strikes a deal with the land owner. The land owner furnishes the land to plant on, and the share cropper furnishes everything else. The seed, the farming equipment, all the labor, gasoline plus anything else that might be needed we furnished. When the crop was harvested, we took it to market, sold it, and the land owner got half the money. Great deal ay? That half of what was raised on 40 acres had to last ?till next year at harvest time. Oh, ?bout 800 to 1100 dollars a year.
You ever try to stretch that kinda money out for 12 or 13 months? You learn to save money. When I graduated from high school in 1962, my Grandad worked at the College as a grounds keeper bringin? in $162.00 per month, paid once a month. Ya gotta really stretch it to make it from payday to payday. Yep, I got me some experience! Now my Gramma lived by a very strict set of rules. You never say anything unkind or harsh to anyone. She had a term she used tho, that was so very useful in a lot of situations. Well bless your heart!? That phrase had so many uses. When I came in and told her I had gotten a speeding ticket, she said, “Don’t drive to fast, and they won’t give you no tickets!”
The next time I got a speeding ticket, she just looked at me in that way she had, and said, Yep, ?Well, bless your heart!? which meant ?Ya Moron, I told you to slow down!? Being a very gentle lady, she would have never said that. It would have been rude. Now, if you go out and get burned on some get rich quick scheme or by some foreign company (You know all them folks on the internet ain’t from around these parts, don?t ya), then I?ll feel plumb sorry for ya ? the first time. But, if, after I’ve warned you and you do it again, Well, bless your heart! As ya go through this site, you might just notice that the language is a bit different than yer used to. That’s on purpose, Friends. A very nice gentleman was kind enough to do a review on my web site. He said that, quite frankly, the language irritated him. He did say, however, that he was English.
I told him, “Well now, see. There ya go. You’re operating on the mistaken idea that we in Texas speak English! We speak Texican.” Now Texican is somewhat similar to English, and folks who speak English can understand most of what we say, but it’s a whole different language. Stick with me pardner. Why before you know it, you’ll be speakin Texican as a second language! Ya might even pursue a career as an interpreter fer the Newninted Nations! For a number of years, I was on the road as a Native American artist, flute maker, and recording artist. I?m semi-retired now.
I only work about 60 hours a week. A lot of that time is in research to help my family, (that be you), save some money. Helping each other is a tribal thing that is ingrained in the Native American traditions. Working together is the only way we could stay alive during the hard times. We know that if we work together, we can make it. Welcome home cousin. Take off ya coat, and sit a spell. Stumble It!
Auto insurance is something that most people must have at some point throughout their lifetime, and it’s important not to make mistakes trying to save on your policy. Comparing different companies and rates can help you save, but you have to know what you need before you start shopping. You always want to make sure that you have all of the coverage you need, and you want to avoid the following.
Getting the Bare Minimum
Don’t assume that the bare minimum policy is the best for your automobile, just because the vehicle isn’t brand new. The basic policy may leave out things like theft, natural disasters and more, and then you will have to pay for all of the lost items or damages on your own.
You also may only have to pay a couple of extra dollars a month for tow coverage, which could save you a lot if you end up needing a tow throughout the year. If you would have no form of transportation if something happened to your vehicle, the additional cost for a plan with rental coverage may also be worth the investment.
Choose Unrealistic Deductible
You can save money when you raise the deductible on your auto insurance policy. This is the amount that you have to pay if you make a claim with your insurance provider. If you make the amount too large so you can save a lot of money on your policy, and you can’t afford to pay it when something happens to your vehicle, you will be out of luck.
Letting Insurance Expire
If you are shopping for insurance and you have let your old insurance policy expire, this is a huge mistake. The new insurance provider is going to consider you a high risk applicant who has been driving without coverage, and they may charge you more because you have been reckless. Driving without insurance is also against the law, and you could face criminal charges if something happened.
If you have a lean on your vehicle, there may be a specific amount of insurance that your lender requires you have at all times, and you’ll want to know this amount before you start shopping. There are a lot of benefits to having a high quality auto insurance policy, and you don’t want to find out that you have a mediocre policy by getting into an accident and drowning in bills.
Insurance is almost necessary for survival these days. There are some top insurance products in the market – car insurance, home insurance, life insurance, general liability insurance, retirement, investment and savings insurance, and travel insurance.
Car or Auto Insurance
Basic auto insurance is legally required for all vehicles in the United States by the law of all states. This is the insurance everyone gets. The pros include affordability in basic insurance. However, the biggest con is that basic insurance covers only the minimum requirements. For added coverage, more expensive premiums have to be paid and this reduces the driver’s liability in case of any accidents.
With homes too, many homeowners get insurance so that they may not have to pay for large damages in their homes. Any accidents that might happen are covered by this insurance. As compared to repairs, the deductible is low and many causes are included. However, the biggest disadvantage is that floods are not covered. The monthly premium is also high because of low deductible.
Life insurance can be either whole life or term life. Whole life insurance offers lifetime coverage and the premiums are set. However, the price is extremely high and there is utter lack of flexibility. Term life insurance, on the other hand, has low prices, flexibility and guaranteed premiums but conversion options are limited and extended coverage is expensive.
General Liability Insurance
General Liability insurance covers a lot of things like bodily injury coverage, personal and advertising coverage, medical expense claims, liquor liability claims et al. However, the biggest disadvantage for certain businesses is that employee liability is not covered under this insurance. It also costs to get this insurance, plus additional money needs to be spent on getting separate coverage for employees.
Retirement plans are ideal for both individuals and companies because they give some insurance about regular earnings even after retirement. The biggest pro is that it comes with tax benefits (for individuals and business). However, the disadvantage is that current income can be hurt and for companies, special administration has to be set up for formulating a plan. Thus, it comes with additional costs.
Investment and Savings Plans
Investment and savings plans like the 529 have tax advantages in most states. These plans also include savings and investment scope even after the reason of the plan is already finished. For instance, in the 529, the contributions continue even after the child is in college. The control is retained by plan owners at all time. The disadvantage is that these plans are inflexible and during withdrawal, some amount of penalty can be levied, depending on the conditions.
The biggest advantage of travel insurance is for people who are travelling with a lot of precious belongings and their family. It offers complete peace of mind. However, the disadvantages are – a definite lack of flexibility and the lack of coverage for pre-existing medical conditions, self-induced illness and customs related damage. It also excludes terrorist threats and war outbreaks.