How does responsibility or the lack of responsibility effect us?
Our parents taught us personal responsbility early on in our lives. If you spent your lunch money on candy then you missed out on lunch. If you took something that did not belong to you your parents would make you take it back, apoligize and make restitution.
You learned to reduce risk from your parents. "Son put your bike up or someone will steal it," your dad or mom would say. They would also tell you to lock things, to stay out of the road, and wear your seatbelt. As you got older they say things like don't dpeed, don't drink and drive, or hang out with bad apples. Now you are older and I am going to give that same kind of advice to reduce your risk as an adult.
1. Seriously think about what could happen that would expose you financially. Risks that people frequently mishandle are as follows:
a. To put a car in your name because a child or other person can not obtain a loan.
b. Getting a separate auto policy for a child that lives at home.
c. Not having enough liability insurance on you auto policy.
d. Not having enough uninsured/underinsured motorist coverage.
e. Not having catastrophic health insurance on you or your dependants.
f. Owning toys such as 4-wheelers, jetskis or boats.
These frequently mishandled risks each have the potential for you to lose everything finacially that you have worked your whole life to obtain. Everyday these things cause families to go into bankruptcy.
The probabability that these things will happen to you has two elements. The amount of risk and the amount of time that passes. Example: you drive a car for 1 minute at 100 miles per hour. Your risk is very high but the time span is low. Most of do not speed excessively but, you do drive normally over long periods of time. The risk is still high because of the length of the time exposure.
Example: So you drive five years with 100,000 liability on your car and then have an accident. The accident causes damages in excess of $500,000. You write a check for $400,000+ or potentially lose your material posseions. This is real.
Call me to discuss how we can help you increase your personal responsibility in common sense ways at a resonable cost.
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