Monday, September 12, 2016

Bad Logic

   I use to be immortal. Life insurance was for an older and much wiser genre. I got sick. Now it is too late. They don't sell life insurance to people who need it. I was kind of like this guy.
  Okay so I wasn't the brightest crayon in the box. Few faux-immortals are. It wasn't a problem prior to Diagnosis.
         I kind of felt like this guy.

So, I am going to die really young they said. How do I provide for my family? "Simple" said my financial guy. "Go heavily into debt on high dollar minimally depreciating items and take out life insurance on the loans." Wow... Great idea. I die, the loans are paid off and Mandy can sell the Items for profit.
   As mentioned above, I am not the brightest crayon in the box. Further more I am not the sharpest tool in the shed. I am a brick short of a load. My elevator doesn't reach the "Top floor", and if brains were gasoline, I couldn't power a sugar ants motorcycle around the inside of A cheerio! I neglected to factor in one possible scenario. What if I don't die?
   For the last ten+ years I have remained heavily in debt hoping to buck the system. Over the course of ten years, I have managed to piurchase and pay off quality firearms, expensive guitars, a very nice boat and several other toys and vehicles. While in doing so I have managed to fill our toy box, it is clear that 10 years later I would have served my family far better by putting that money into short term bonds and long term investments. I am not complaining. It has been a lot of fun. Mandy will benefit financially and we have all benefitted in the enjoyment of our lifestyle but hindsight is 20/20. 
   My plan would have worked quite well had I followed my original prognosis but I guess life really is a crap shoot. 
In summation: "It is time to go boat shopping!!"