Two things:
1) Don't look at your choices in the past with your now knowledge of the future. That's not how it works, we are not Gods.
2) Do what you love, what brings you joy work is often a means to an end in this regard. (Work, by it's nature is often not fun, but it is often not your life.)
We all (currently) enter and exit this world in the same manor. It's the bit in between that matters. We all could be hit by a car tomorrow or live to be 120. Most of us don't get to know. You got an reality check and a potential expiration date. Congrats, you know more then most of us, and yes, can make more accurate plans. But live, because you likely will!
Now, answer me this. Why should you live your life any differently? And if there is something, should you not have been doing that anyway?
One thing about accessibility and usability, is that when you design something for the minority it tends to make things better for the majority. Take ramps for example, they not only server those in wheel chairs, but also families with strollers and elderly with walkers.
Based on my limited understanding of American politics, it depends on which side of the Mason–Dixon line you live on and when such a divided was relevant.
Insurance is never a good deal. They are betting you’ll never use more then you pay and you are hedging that the day you really do need it, it’ll be worth it. Anything an insurance company covers out of pocket is purely them hedging that those services will save them money in the long run or they have factored it into the price you pay up front.
So yes, insurance is never worth it... unless it is... and then often it really was worth it all along.
I doubt this is true for health insurance, but for many competitive insurance industries insurers will frequently break even or even take a loss on premiums. Warren buffet explains it well in his letters to investors.
Basically, insurers make most of their money by investing the float, so their incentive is to have a bigger float by offering competitive rates to bring in more customers. They don’t really care if they pay out every dollar they take in, because they made money by holding onto the premium in the time in between when you paid it and when a claim was made.
So for things like car insurance, it actually is a pretty good deal. Many companies expect to pay out as much as their clients put in, with the added benefit that you can take out more than you put in if you have a claim immediately after getting insured.
Given this is in Canada, we have decent labor laws, not as good as the UK, but much better then the US. With that said, go talk to a lawyer, note free ones will alway tell you they can get more.
Unprecedented supply and demand shocks are causing significant fertilizer shortages and soaring prices worldwide. With this scenario explorer tool, see the impact of changing fertilizer availability scenarios on global food production, and the resulting risks to food security.
We all (currently) enter and exit this world in the same manor. It's the bit in between that matters. We all could be hit by a car tomorrow or live to be 120. Most of us don't get to know. You got an reality check and a potential expiration date. Congrats, you know more then most of us, and yes, can make more accurate plans. But live, because you likely will!
Now, answer me this. Why should you live your life any differently? And if there is something, should you not have been doing that anyway?