I recently heard a great saying....one is entitled to their own opinions but NOT to their own facts. The logic goes that their facts are not facts at all when they can't substantiate them. I also like the saying that happens when two people start to debate politics and when it becomes clear that the losing side of the debate is in denial, we say "they can't be confused by the facts."
TB invited me to his father's wake. I have to be honest and admit that I really haven't found that TB was the nicest person on earth, but I felt the right thing to do would be to go to support TB during this time. I looked at it as an opportunity to show him that we are more than just classmates to him. I was the first one there as I had to go early in order to make it to class that night. He was really appreciative and I saw a different side of him that night. This is what happens when we are young, immature and immortal. We think nothing will happen to us and it only happens to other people. I too thought this until some major events took place in my life. First my best friend died in a car accident at the age of sixteen, the roof of my house blew off and we were forced to move in with a co-worker of my mother, and my cousin was murdered and her sister, also my cousin died in a car accident all these events occurred before I was twenty-five. These are the times that have defined my dependence on insurance.
I learned through these times that if something could happen, it probably would happen to me. So as a precaution in order to control the uncontrollable, I bought insurance. It really has helped me in the times I've needed it. As a result, I'm probably overinsured. I had insurance for my car, for my health, for my teeth, for my life, for accident disability and for cancer. Up until last month these were up to date. Since COBRA federal subsidies have stopped I can't afford the $465/month payment on the $1100 monthly income and as a result don't have health and dental insurance anymore. I'm not sure whether I can maintain the rest of the insurance either. I'm a little worried to tell you the truth about getting sick. Dying doesn't bother me as much as getting sick, because I wouldn't be here to worry about it.