Originally Posted by
OFG-1
I believe that all of you are missing the point. It is not the amount of the life insurance, it is the selection of the proper beneficiary. So here are some options:
1 - Your Wife? - OK, so what has she done for you lately? Yeah, she married you, but in retrospect, was that a GOOD thing, or just another female plot.
2 - Your kids? - Face it, they are brats. You have spoiled them rotten, and they have no appreciation of money. Make them work, or have your relatives , you know, the ones that say "Oh, look how cute they are" , foot the bills for the little monsters. And college, well are they REALLY that smart? Are you sure they won't be working in public relations asking "would you like fries with that?"
3 - Your relatives? - Damn vultures- all of them. I bet they encourage you to cave dive, skydive, ride motorcycles, hunt without a orange vest, fish without a life jacket. They can't wait.
4 - Pay off your mortgage? - Hell, its the banks fault for giving you that no qualifying, interest only, no money down, 4 1/2% mortgage with a 6 year ballon payoff in the first place. Let the taxpayers cover the rest of it. I really don't mind.
5 - Friends? - Face it, no one really likes you. They hang around because you cook a mean butt roast on the grill, have a good dive vehicle, offer to pay for lunch, buy their breathing gas, never ask about the sores on their lips, and don't mind if they spit into a McDonalds cup and leave it in the cupholder of your car. You dont see any of them offering you a kidney or anything do you?
Now, MY suggestion, is to leave everything to the "North Florida Cave Divers Retirement/Diving Fund". This is a non profit fund being set up expressly to fund the retirement of people that want to go cave diving, but without YOUR help, would have to continue working.
How does this work, you ask? Simple! You list the fund as your primary beneficiary on whatever life insurance you have. Then go diving. Dive long, dive deep, blow off deco, dive solo, no mount, hell, you only really need one light anyhow. In the event of your demise, you will go out easy knowing that your wife and kids will have to get a job, the house will be forclosed, the relatives will curse you, the county may have to pay to plant you, but somewhere out there, there is a Old Fat Guy having a really good cave diving trip.
So pm today for the forms, you will be contacted by the law firm of Bud Tugley, and the North Florida Cave Divers Retirement/Diving Fund will be grateful.
