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.

The larger the deductible you choose, the less insurance you are buying. Insurers want to sell insurance.

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

The best thing I have are 5 percent bonds from 1780, denominated from $1 to $20. As far as I can tell, they are obligations from the United States of America, so I should be able to walk down to the Federal Reserve and redeem the uncanceled ones. With 217 years of accrued interest, for a $20 bond, that's about $800,000.

Now listen. You can't fool all the people all the time-- but I want you to try.

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.

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