I did most of the big stuff almost out of accident but I could have been better.  

However, insurance is limited because it only protects you from one type of liability: accidents/negligence.

There would also be a major increase in DUI accidents because it is a known fact that mexican loves their tequilla and when there is nothing better to do, they start drinking alot.

I have to admit that some were by accident.

I'm sure you want the world to suffer the way that you have but this guy didnt cause your accident and he didn't cause the bank to raise the short sale price.

Johnny Gets injured in a ski accident and has to take time off of work insurance pays 80% of accident but he is left with a 4000 dollar bill he must pay and Johny cant work for 3 months because of the injury cannot make car pmt.

If your sister lived with you and drove your car everyday you would add her to the insurance so if she was involved in an accident it was covered, right?

Keim 12) The Compound Effect - Darren Hardy 13) 6 Steps to 7 Figures - RE Professional's Guide to Building Wealth and Creating Your Own Destiny - Pat Hiban 14) 21 Things I wish my broker had told me - Frank Cook 15) Buy and Hold Forever - David Schumacher 16) Success is not an accident - Tommy Newberry17) The Upside of Adversity - Rising from the Pit to Greatness : Christian author Os Hillman.

I had found over the years (by accident since I had no idea what I was doing back in the 90s) that areas with the best schools make the best long term investment properties.

I'm talking about obvious damage for which there is no easy fix, caused intentionally or by neglect or by accident.