We struggle to make enough to keep up with taxes, utilities and building and equipment repairs. I'm nearing 60 and have nothing saved for retirement (in part because I hope to die still working the farm) other than the farm itself, unless you count the $34 currently in my checking account. "Good insurance" is not an option. Even if it was, the best (and worst) insurance is particularly good for insurance companies. You don't see them scrounging up office space in an old barn, or in a formerly abandoned warehouse in the dead part of downtown when their payouts hit hard. Nope, they take your premiums and do quite well by them as part of "managed risk" - the overwhelming odds that most of their policy holders will never make a substantial claim. You likely won't ever see your broker "broke", nor the company they work for. In the worst case scenarios, the gov (your tax dollars) bails them out, after deduction a substantial portion for "management fees".
I'd much rather send someone like Allen a check that does real good to someone who does real work, than send a check to someone who pushes paper and collects bonuses on up-selling riders that bring in more revenue than risk, who in turn might send a small portion to someone who has "suffered a covered loss" (not valid in all instances, some exclusions may apply; read your policy carefully, document everything, and be prepared to hire a lawyer).
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Today's Featured Article - Engine Valves - Some Helpful Information - by Staff. Intake - On the intake stroke the piston moves doward, sucking in carburized fuel through the open intake valve. Exhaust valve is closed. Compression - With both the intake and exhaust valves closed, the pistons upward stroke compresses or squeezes the fuel into the combustion chamber. Firing - Ignited by the spark, the compressed fuel explodes and forces the piston downward on its power stroke. Intake and exhaust valves are closed. Exhaust valves and seats are exp
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