I Can’t Afford Life

Well, we played baseball last night. Pathetically. Some of our good players weren’t there, but there were still a couple of good ones and we were pathetic anyway. I caught a couple of nice long throws to home but, unfortunately, the players were already at the plate, so, too bad.

Tonight I’m just waiting for my daughter to arrive. I’m feeling hungry (like ‘wings’ hungry), but we’ll have to wait til she’s here because she hasn’t usually had dinner before she arrives.

Aside from that, I just finished talking to the insurance company. I was wondering what policies I still had in effect when I saw the money taken out of my bank account the other day, so I phoned them.

They sent me some paperwork on the policies and then I saw the insurance policy I have on my honey (which is a term policy). I now pay $34.83 a month for that one (in case he dies I wanted to be able to pay the rent). But then, in 2010, the policy goes up to $164.07 a month. $164.07 A MONTH! Then in 2020 it goes to $388.51 A MONTH!

That’s because it’s term insurance they just explained to me. If I’m looking for long term, I should get permanent insurance. So they put me through to another guy who let me know that for $100,000 coverage (which is what I have now), it would only be $198 a month (but it would never go up).

Who the fuck do they think I am… Donald Trump? I can hardly afford the $34.83 a month, that’s why I was checking to see what it was.

So now I have a choice. Do I continue until 2010 to pay $34.83 a month and in the event that something happens to him, I’ll get some money to help me out, or do I cancel it right now and save the $1600 I’ll be throwing away if he stays ok and alive?

I’d really be screwed financially if something happened to him. There’s no way I could afford the rent or the bills so I have a tendency to think I should keep going til 2010. But even that’s difficult considering that the company I’m working for seems to be having payroll difficulties lately.

Money – it’s the root of all evil, and probably depression and suicide attempts (as long as the insurance pays out).

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Comments

Insurance , the white mans burden.

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