Always The First


Always The First

I have to be honest with you guys. I don’t really feel like talking about insurance. Tomorrow is my birthday and I am feeling quite blessed that my family won’t be cashing in my insurance policy. I just want sit here and take in the blessing of making it to see one more year. I do realize this is not a platform for pushing one’s faith, and that is not my intention. Whatever your faith may be, there has to be a point in which you take the time to sit down and simply express your gratitude for life. I have experienced and accomplished much. I have had my triumphs and my perceived failures, but I woke up this morning and I realized that in all that I have been through, I was still st anding.

Life has a way of putting things in perspective. With the forest and brush fires that you guys in California experience among other cataclysmic events, it can be easy to become consumed by the moment. Whether you live in Encino, Brentwood, of Beverly Hills, life happens. If you are insured when these moments come in your life, than great, but remember there are certain things that money can’t replace. Spend your life being grateful.

Okay, now that I have that out of the way, I do have something that I want to talk with you about. Yes, I am about to go there. People who live in California are always quick to remind me that they are not as liberal as most people think they are. Tell me why the passing of Proposition 215 was the first statewide medical marijuana initiative passed in the United States. Don’t get me wrong, this has nothing to do with politics, but I am just looking for some clarity. The passing of this proposition means that the majority of Californians voted to legalize marijuana for medical purposes. I am not arguing against it or for it, I am simply saying that a state that tries extremely hard to convince everyone else that they are not liberal in their approach to life has vending machines in which terminally ill patients can stop by and get their marijuana.

I have no desire to get into the political side or medical side of the discussion; I am simply attempting to wrap my head around the concept that legalizing marijuana should not be considered a liberal act. I know a bunch of people that are feeling pretty liberated right now.

Look, you guys were the first to legalize marijuana, but other states have since followed suit. I simply want you guys to realize that you have a liberal approach to life in general. I don’t doubt that there are some extremely conservative people who were just plain flabbergasted when that proposition became law, but they were in the minority on this one.

Now, to the logistics involved here. If a person is diagnosed with a terminal illness like cancer and they end up taking chemo, the doctor prescribes them some marijuana in whatever dose increments it is dispensed in, and the person just walks up to the vending machine and gets some weed? That is interesting. We need to revisit this one again.

Why Me?

The title says it all. At some point in our lives, we all ask ourselves that question, “Why me?” If you are like me, your mother answered your question with a question, “Why not you?” Why is it that parents always taught us not to answer a question with a question, but answered 90 percent of our questions with one? That is just a thought that ran across my mind. You will find that I do that a lot. Don’t worry, I checked, and the doctor says it normal. The difference is, with me I am just more open with mine.

So, I have been pondering a simple, somewhat insignificant question in the scope of things. Now considering the fact that this article is tied the topic of insurance and this thought that is running through my mind has nothing really to do with insurance, this may become quite an interesting endeavor. The question I have is, “Do all Californians eat Tofu? I told you that my thought processes can venture some time, and since you are reading this article it is important to underst and that you have to be able to shift gears quick.

Back to the Tofu question, there are many that believe that there are a lot of body conscious people in California, especially in places such as Los Angeles, Beverly Hills, Malibu and Santa Monica. They believe that Tofu is the order of the day for these image centered individuals. I have been involved the health and fitness arena for more than twenty years, and I have to tell you that I am not a fan of Tofu in the slightest. I don’t even discuss the topic, that is, until I met this one Californian who decided to initiate his conversation with me by setting the record straight on Tofu. He looks at me and says, “You know that all people from California don’t eat Tofu, right? Sitting there scratching my head, I’m thinking, “They may not all eat Tofu, but there are some more serious issues that concern me about people from California right now.

He begins to go on about how people in Southern California people are quite decadent, eating burritos from the nearest taco shop (really? did he just use the word decadent, to describe a burrito of all things?). Okay, I’m thinking to myself, this guy has some serious issues with Tofu.

Then my psychology background begins to emerge and insert itself into the moment. I am sitting there listening and analyzing every word this man speaks. I decided to ask him about his childhood and the issues he faced as a child growing up. If you think this put the man on edge or in any way upset him, not even close. He positioned himself to be more comfortable and he begins to unleash. By this time my mind is wondering again. Now I’m thinking I wonder if this guy has health insurance. You may be wondering why that matters. It matters because I am serious thinking about billing this guy for taking up so much of my time. I know, I will sell him some health insurance and then I will bill him for the counseling session. As I sat there listening, all I could think was, “Why me?” Sorry mom!

Well, I guess the whole Tofu question will have to wait until another time.

Headed Out West

Many people have called insurance the necessary evil. No one wants to pay for insurance, but everyone has to. Whether you are speaking about medical insurance or automobile insurance, insurance is quite necessary. If you don’t think so, stop making your premium payments on your medical insurance, and then take a trip to the doctor’s office. Please don’t look surprised when the receptionist asks for more than your usual $10.00 co-pay.

Yes, we all need insurance. I don’t think anyone needs insurance more than the people that live in the state of California. California is an insurance haven. There is earthquake related insurance. There is fire insurance (this is very necessary because at some point in your life in California a brush fire is going to threaten your home).

In California you need travel insurance because nothing is close in proximity. If you live in Los Angeles you will needed health insurance because the smog is going to get you.

While on the subject of Los Angeles we might as well discuss auto insurance, because no one there can drive, but everyone is in a hurry to get somewhere. While on the subject of traffic I have to pose a rhetorical question: How is it that the 2nd largest city in America has road construction going on constantly, but the traffic never improves. This is just a little something that boggles my mind.

I hate to keep picking on Los Angeles, but Santa Monica doesn’t register on the insurance Richter scale like Los Angeles. With that being said, if you live anywhere near South Central Los Angeles, you will need life insurance. Don’t be surprised if the premiums are a little higher than normal. You will soon find out why.

Back to earthquakes; why in the world are people literally making plans on retiring to a state in which the ground moves; frequently! No, really, the ground moves! Maybe, I am not being clear enough, the ground moves. In fact, if I was out there I would need extra health insurance because I would be consumed with postulating when the state will fall into the ocean. Who makes predictions like that anyway? Imagine, you are watching the news and the weather guy says, “Today we have sunny skies and no chance of rain. You can expect the high to be around 92, and by the way, look for the state to total fall off into the ocean. Are you kidding me?

How many parents couldn’t get their kids to go to school after something like that?

The truth is that California is an awesome state and next to San Francisco, Los Angeles is my favorite city to visit there, but even in a gorgeous state like California things happen. No, no one wants to give a company money on a just in case scenario, but the alternative is definitely not a good one.

So, we will have to learn how to fork over the cash and smile, because when that accident happens or that surgery is needed, we will be thinking, “Man, I am so glad I got this insurance.” It is always better to be safe than it is to be sorry.