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I have this old friend (in tenure, not age) who comes up with some pretty good one liners. This was the last one.

She had just gotten off the phone with her car dealer service guy who was suggesting about $500 in “work” be done on her car that had just crossed 15,000 miles. Many of the line items she read off fell under “diagnostics.” When she asked me what to do, I suggested she go with the oil change and call it a day. Her car happens to have a computerized system that will tell her when things need to be done, therefore constantly running it’s own “diagnostics.” She wondered out loud why they would suggest so many other services as being “necessary” (Yes, I’m having a quotation mark problem today. No, I’m not going to curb it. It’s the first day back from holiday for Christ’s sake.). My answer was simple. To create FEAR.

“That’s a whole lot of money to pay for some fear.”

This lead into a debate of premium vs. regular fuel, but I’m not going to take you down that foxhole. Once was enough.

When you take a look around our world you see examples of fear based communication. I mean, seriously, if we need to have disclosures on our clothes dryers that say,”don’t place children inside the dryer, close the door, and turn it on” we’re living in a world with a huge dose of irrational fear. And irrational law suits, but that’s a post for a different day.

Unfortunately, we make a lot of decisions based on fear. And then there are those we DON’T make, based on fear.

Like life insurance.

“I’m afraid I can’t afford it.”

“I’m afraid I can’t be underwritten.”

“I’m afraid something might actually happen if I do take care of it.”

Are any of these rational? No. The first two are simply excuses or myths that are most likely untrue and the last, nothing short of superstition.

The reality? The damage that can be caused by not having life insurance when it’s needed is “a whole lot of money to pay for some fear.”

That same old friend with the car just bought a $1 million dollar policy for $22.06 a month. At that rate, everyone should have one.

Even your dog.


**Very, very serious and important disclosure: you can’t really buy life insurance for dogs. Or cats. And definitely not pet tarantulas. 


A little Thanksgiving love from all of us at The Insurist. Enjoy, be well and Happy Thanksgiving!!

Click here to see what’s on our table this week :)

Biscuits Be Gone

This week was spent in Atlanta for the Operation Hope Global Financial Dignity Summit. I’ll spend more time on that subject over the weekend when I’m not playing mad catch up. An absolutely GREAT event with great people, great content, and an in person performance by Ben Bernanke. Ok, so performance is a strong word, but he did talk about the housing market.

Food in the South is generally in the to die for category, but it’s not exactly light. And not so green either. In my plight yesterday morning to vegetize, I asked to substitute my breakfast potatoes with a side of spinach and was sorely disappointed when my dream of a mountain of little green leaves was crushed by a ramekin of frozen nonsense. Not that it was Georgia’s fault. It happens in California too. I did find some delicious fried green beans. At least they were green on the inside.

So I woke up this morning dedicated to filling up with as many raw nutrients as possible. This made lunch a juicing adventure and one I had to share. It delivered a sweet flavor made up of the following:

3 carrots

2 gala apples

2 stalks of celery

1 slice of lemon

1 crown of broccoli, stem included

3 slices of ginger

I’m calling it “Biscuits Be Gone.”  You might think it’s a strange combo, but it’s really good. Light and sweet and the color of pumpkin.

On that note…another fun one is Pumpkin juice. Get crazy.


8 q

“John Fenton left us much too early at the age of 56 on November 6, 2012. John leaves a loving family of four adult children; his wife JoAnne and countless number of friends and acquaintances to grieve his sad passing as a result of complications of medical issues. John, a hard-working dedicated father and husband, lived with great pain over the past couple of years. He never complained! His most recent surgery of approximately one month ago required John to rest. This was not John. He loved his work and was dedicated to his family and could not just sit by and recuperate as was necessary. It took great effort, despite his pain, for John to rise every morning at 3:30 am to travel from Acton to his job in Hermosa Beach while being limited with his mobility that required use of crutches to assist his walking. John knew that his most recent surgery carried great risks to correct his prior surgery of ankle reconstruction. Unfortunately, John was afflicted with serious blood-clotting issues that eventually led to his untimely death. John was a major provider for his family which the loss of his income is devastating to the family. There are on-going medical expenses; family expenses and funeral expenses that, unfortunately, are not covered by insurance as John was not able to qualify for life insurance due to his age and medical condition. There have been many loving messages and condolences expressed in a very short period of time since his passing with the request of “what can we do to help?” Contributing whatever you can afford will provide the family with great assistance at this time. Of course, the family would prefer that this request would never have been necessary. They offer their loving and God-felt wishes for your love and support.”

If you would like to support the Fenton Family, you can do so at

We are.

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