HobeSoundDarryl
macrumors G5
Everyone rationalizes every buy decision they make. Why do I want to buy ice cream today? I want to eat ice cream today. Why do I want this car vs. that car? I like this car better than that car.
I'm certainly NOT telling others what they do or do not need. I'm just sharing something that works well for me and is applicable to the conversation in this thread. If it helps someone else, great. If it doesn't work for anyone else, that's fine too.
And 911 is VALUABLE- no question at all. My way compromises that option a bit. But my way also saves me a couple of thousand dollars vs. the other option. And my workarounds involve having to be able to dial either 10 digits or "speed dialing" with one button click.
I happen to live in what is called a thousand year flood plane. It means the odds in my place being flooded is extreme long shot- once every thousand years. Based upon that, I don't pay the extra money for flood insurance. I hope I never regret not paying those extra hundreds year after year. If my "gamble" is wrong, I'll certainly wish I had it when I absolutely need it... even if only once. To protect oneself against all "certainly glad I had it when I need it" scenarios, we could spend every nickel we make and then some.
None of that should be taken as judging anyone. Everyone should make their own decisions about their own wants, security, etc. I pay a lot of money specifically for hurricane insurance. That's a real risk for my location. Someone living in Montana or New Mexico wouldn't have any need for Hurricane coverage, so I wouldn't expect them to pay for it. Again, I just contribute something that works well for me and saves a lot of money without feeling like it involves a lot of compromises (through my OWN lens). Some may find that helpful. Others will be happy with whatever they choose. Everyone wins.
I'm certainly NOT telling others what they do or do not need. I'm just sharing something that works well for me and is applicable to the conversation in this thread. If it helps someone else, great. If it doesn't work for anyone else, that's fine too.
And 911 is VALUABLE- no question at all. My way compromises that option a bit. But my way also saves me a couple of thousand dollars vs. the other option. And my workarounds involve having to be able to dial either 10 digits or "speed dialing" with one button click.
I happen to live in what is called a thousand year flood plane. It means the odds in my place being flooded is extreme long shot- once every thousand years. Based upon that, I don't pay the extra money for flood insurance. I hope I never regret not paying those extra hundreds year after year. If my "gamble" is wrong, I'll certainly wish I had it when I absolutely need it... even if only once. To protect oneself against all "certainly glad I had it when I need it" scenarios, we could spend every nickel we make and then some.
None of that should be taken as judging anyone. Everyone should make their own decisions about their own wants, security, etc. I pay a lot of money specifically for hurricane insurance. That's a real risk for my location. Someone living in Montana or New Mexico wouldn't have any need for Hurricane coverage, so I wouldn't expect them to pay for it. Again, I just contribute something that works well for me and saves a lot of money without feeling like it involves a lot of compromises (through my OWN lens). Some may find that helpful. Others will be happy with whatever they choose. Everyone wins.
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