There's no such thing as altruism.

Still, most people don't have much money. So finding ways to come out a couple of thousand dollars ahead every year still matters.

No wonder lawyers, who control the legal system, have fought so hard, and with great success, against "no fault" insurance. No fault, no lawsuits. No lawsuits, no lunch.

There are only two things as complicated as insurance accounting and I have no idea what they are.

You want 21 percent risk free? Pay off your credit cards.

Life insurance is a commodity.

Not surprisingly, the insurance lobby recoils in horror at the prospect of automatic coverage (including, when it was first proposed, Social Security), no matter how efficient it may be. Automatic coverage eliminates sales commissions and profit.