Author: Otto Ingrid
Source: ezinearticles.com

In general, auto insurance companies see male drivers between the ages of 18 to 24 years old driving more aggressively than females or any other drivers in all of the other age groups. It also has been proven that men in that age group are on the road much more than any other drivers and they also drive more aggressively and do not always obey the speed limit and they typically ignore some of the most important safety laws. It seems that the entire male population has always believed that they are the best drivers on the road and truly invincible and they don’t think they could ever get into an accident. But, in actuality the opposite is true but only for the younger male, in the age group between 18 to 24 years old. The statistics show that this age group of males makes the most auto insurance claims, 1,828,000 more in just one year. According to statistics in a 2004 report this age group of male drivers is also involved in 27,000 more fatal accidents.

Insurance companies have always based their premium for this particular age group of males on the statistics making their premiums much higher than anyone else. It doesn’t even matter if they meet some of the requirements for lower premiums, the insurance company does not take any of them into consideration. Because statistics haven’t changed yet the insurance companies haven’t changed either. They still view the young male as a high risk driver and their premiums are calculated on that viewpoint.

But, times are starting to change and things are looking up for young men. Because of how our society is these days, females are driving more because more of them are working now, but still taking their children to and from school and outside activities. Females are now put in the position of also being the caretakers for their aging parents. This means taking their parents to their medical appointments, doing their shopping, etc. Also, females are still the ones that run all the errands for their own family also including trips to the doctor for their children, shopping for food and clothes for everyone. So, all of these things put females under a lot more stress while also putting them on the road more driving back and forth, here and there, always in a hurry to get everything done and still make it home in time to prepare dinner for their family.

The statistics still show that males are still the higher risk when it comes to auto insurance but this might change soon as women are on the road more and more. Until then, males will continue to pay the higher premium.

Otto Ingrid is an enthusiast of automobiles alike. He is determined to provide everyone with loads of information about auto insurance. If you’d like to find out more about this topic, please visit Fort Wayne Auto Insurance or Chandler Auto Insurance and find out everything you want to know.

Author: Dean Shainin
Source: articleage.com

The day is soon approaching and it’s time to consider travel
insurance to protect you from the unexpected. There are many
travel insurance plans to choose from for that trip you are
going to take. There are some important tips about travel
insurance and the policies these travel insurance companies
offer. Also, you can have a safe trip if you take a little time
to research and educate yourself with a few simple and helpful
tips.

When you are getting ready to travel, be sure to tell at least
three family members where you are going to stay. Let them know
your hotel details and arrival and departure dates. Another
important tip if you travel in other countries, is the right
vaccinations for the country you are going to visit. This is a
safety issue many forget to even consider while traveling abroad.

Another helpful tip with any type of travel insurance, is your
money and documents. Be sure you have the right passports and
all required visas and that they are current. One of the best
things you can do is get travelers checks. You really don’t want
to carry cash if at all possible. Another important thing to
remember in regards to travelers checks, is not to counter sign
them until you use them.

Travel insurance companies can give you a check list of all the
important tips for a safe trip. Make sure you have copies of
your travel documents, airline tickets, passport, visas and your
vaccination records. It’s best to leave a copy at home and also
carry them in your carry on luggage and your suitcase. This will
help insure you have these important documents in case one set
gets lost while traveling. Another very important consideration,
is to put all valuables and documents in a safe deposit box.
Don’t leave them in your hotel room or you vehicle unattended.

Travel insurance policies should cover you for international
travel. Medical and other expenses, cancellation and
curtailment, personal baggage, delayed baggage, missed
departure, personal money and important documents, travel delay,
personal liability and hijack are generally covered.

Travel insurance reviews online can help you get an idea of the
best company for your travel plans. You can easily see the many
insurance reviews online. It can be well worth your while to do
a simple online search. You can compare travel insurance
companies with a few clicks of your computer mouse.

Take some time to do your research and you can rest assured you
have made a well informed decision in regards to your safety and
travel insurance needs.

Author: Linda Mecklerbr
Source: articleage.combr
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Disaster can strike when you do not have medical insurance for yourself or your family.
Do you think people do not have medical insurance because they dont want it?— or think its frivolous? —What happens when you— Lose Your Job—Get Sick— Or Relocate—.
When you need to make a decision on spending money on medical insurance or food for your family—food wins hands down—. If you are a full time employee and you lose your job—generally you lose your medical coverage also.
This is the time to ask your past employer what is my options for continuing my medical insurance. Cobra can be purchased for a higher premium and for a short time only. It is a stop gap measure only until you next full – time employment.
When people work part time they dont qualify for medical insurance through their employment. Your employer isnt dumb. PART TIME EMPLOYMENT FOR THEIR EMPLOYEES MEANS NO MEDICAL INSURANCE PREMIUMS OF THEIR POCKETS. This means you still do not have medical insurance for yourself and your family.
LOW INCOME INDIVIDUALS:
You might qualify for Medi-cal or County Medical Services (CMS.)
These are the only two government funded agencies that can help you. You are screened by income and the amount of money you have in the bank.— If you as an adult do not qualify for these agencies,—your children might.
CHILDREN:
Children have an easier time qualifying for government assisted programs. There are several programs available for children depending on their special needs.
YOUR RESPONSIBILITY:
If you qualify for one of these agencies do not think that filling out one form is all you do. You have to show up for your scheduled appointment and bring the proper paper work with you. —Otherwise, your claim will be denied—.
Medical Insurance is obtained by full – employment or by purchasing it yourself through a private insurance company which is fine for the people that can afford the huge premiums.
INSURANCE COMPANIES:
When you apply for Medical Insurance you may be denied because of a pre-existing condition. This simply means, you have medical problems already and the Medical Insurance Company will not cover you for these problems.
ALTERNATIVE: DISCOUNT CARDS
Discount cards are available through private insurance companies. Let me explain. You still pay a monthly fee but not as much as your typical medical insurance monthly premium. When you go to a doctor or pharmacy you get a cash discount. The only catch is,—you have to pay for your doctors visit at the time of the visit—.
You have to be careful when applying for this discount card, just like everything else it could rip you off. So do your homework. These are becoming very popular.
URGENT CARE:
These are medical facilities that take care of minor problems. Anything serious would be referred to a hospital emergency room.
You will have to pay for your medical visit at the time of service.
211 PHONE NUMBER
There is a new source of vital information at our finger tips, by calling 211. If this new number is established in your area, one phone call can hook you up to massive information. The people that answer this phone number gives out important everyday useful information.
Example: What is the phone number to Med-cal? I do not have any medical insurance and my child is sick, what do I do? Where can I go to get help for my child? Is there any free clinics available?
These people have all that information and more at their fingertips.
HOSPITAL EMERGENCY ROOMS:
When you need medical care the Emergency Room is where most people head. When you get to the Emergency Room you can wait hours to be examined by a doctor. When you are finally examined, the doctor may request lab tests, x-rays etc. These tests can escalate into hundreds even thousands of dollars. What about emergency surgery? What about being a patient in the hospital a few days or longer? The medical bills will start pouring in!
The hospital billing office will ask you these questions:
(l) Can you make monthly payments?
(2) Can you refinance your home?
(3) Can you borrow money from your family or friend?
—You Can Always Negotiate Your Final Bill.—
This amount must be accepted by the facility. You can save yourself thousands of dollars, providing you have the money handy or use a charge card.
When you cant pay your medical bill—What is the next step?
Your account is sent to a Collection Agency.
MEDICATIONS:
Medicine is sky high. When you dont have Medical Insurance you have to pay the full amount or go without your medicine.
This is not a simple problem. We are talking millions of people in this situation. —There has to be a solution—.
The Medical Insurance Companies do not want to change. The Pharmaceutical Companies do not want to change.
—We the individuals must take the first step to change the way medicine is obtained for everybody in this country not just a few! We as individuals need to write our Congressmen to wake up our local, state representatives and federal representatives.
We Need Change In Our Medical Insurance Program. WE WANT MEDICAL CARE FOR EVERYBODY. NOT JUST A FEW.
If you have medical insurance and still have to pay check out my article listed below:
Horrifying! Medical Bills! When You Have Medical Insurance/Fight Back.
Please feel free to read all my other articles. I love to hear from you. Just leave a comment on this article.
Copyright 2005 Linda Meckler
Linda has had first hand experience working in the field mentioned above. She has worked in Medical Insurance Billing for many years. Now her love is writing. Her first published book is Ghost Kids Trilogy, three complete books in one book. The first of its kind adventure childrens book. Love, Family Values, and Charity burst off the pages. For children ages 8-14 to adult. Book (1) Ghost Kids: Two real children and two Ghost Kids team up with two Ghost Kids. They want to be reunited with their parents. Book (2) Blue Vase Mystery: Uncle Charlie the villain of the book wants out of the Blue Vase. In return he will tell the real children where the Pirates Treasure is hidden. Book (3) Pirates Treasure-the hunt: Take the exciting trip hunting for Pirates Treasure. order at http://www.amazon.com or http://www.buybooksontheweb.com an order of 5 books = 40% discount. With an order of 20 books no shipping and handling. My email is lmecky@tns.net.br
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Author: Jim Johnson
Source: articleage.com

RV insurance is one of those things in life that you are glad to have and hope you never have to actually use. Almost all states require that you have some form of insurance for your motorhome or RV and it just makes good sense anyway. So if you are going to be buying RV insurance soon, here are a few tips to consider as you do:
* If you don’t plan on living in your motorhome, and you only use it for short, small trips, you may actually want to consult your current homeowners policy and see if it is covered there. You then may want to call your insurance agent and ask if there is a rider that can be purchased to include your RV on your homeowner’s policy if it is not already covered. If so, what are the coverages and for how much? Make sure you get a complete picture of exactly what is covered and what the limitations of the coverage are before proceeding. Often you can save money by adding your RV onto to your homeowners policy, but be sure that you get proper coverage if you do.
* For those that spend a good deal of time in their motorhome, or maybe even live and full-time in it, getting an insurance policy from an insurer that specializes in RV insurance would be a wise move. Most auto insurance companies don’t really understand RVers needs all that much and so you can easily wind up with a policy that has clauses and requirements that make no sense at all for a person who lives in their RV. The coverage limits themselves can be very inadequate too, so don’t just go to your auto insurance company and accept what they provide. At least shop around and get some quotes from RV insurance specialists too.
* If you do live in your motorhome, say so clearly when getting the insurance quote. Some people think that telling the insurance company that you only use the RV for short trips occasionally will save them money if they live in it instead, and perhaps it will. But if you actually do have to file a claim at any point, the insurer may simply deny the claim if the coverage is written for occasional use and you are actually living in the RV. So state what your exact usage will be and you should be fine.
* Avoid any insurance companies that are relatively new, and so haven’t had enough time to build up a track record of customer service. The insurance field has had some less than honest people set up a company, sell policies and then either just deny most claims or disappear altogether. That’s why most states have an insurance commissioner to prevent this kind of activity as much as possible. So before you buy a policy, check to see how long the company has been in business and perhaps even check with the insurance commissioner in that state to be sure that the company is in good standing with them before you decide to buy. Using insurance companies endorsed by major RVing groups like The Good Sam Club is usually a wise move for peace of mind as well.
Getting adequate RV and motorhome insurance is much easier today than it has ever been in the past, and there are more choices than ever too, in large part thanks to the internet. So if you are looking for RV insurance, shop carefully and if you use the suggestions given above it will most likely help you make a wise and successful choice.
Jim Johnson writes on many consumer related topics including motorhomes. You can find out more about motorhome insurance and rv insurance by visiting our Motorhomes Review website.

Author: Stephen L. Nelson, CPA
Source: articleage.com

By following the eight rules explained here, you can save money, and just as important, you can save yourself from making serious mistakes when you shop for and acquire insurance policies.

Rule 1: Buy Insurance Only for Financial Risks You Can?’t Afford to Bear on Your Own

The purpose of insurance is to cover catastrophes that would devastate you or your family. Don?’t treat insurance as a chance to cover all your losses no matter how small or insignificant, because if you do you?’ll fritter away money on insurance you really don?’t need. For example, if your house caught fire and burned down, you would be glad you had homeowner?’s insurance. Homeowner?’s insurance is worth having, because you likely can?’t??and you certainly don?’t want to??cover the cost of rebuilding a house. On the other hand, insuring an old clunker is a waste of money if the car is only worth $800. You would be throwing away money for something you could cover yourself if you had to.

Rule 2: Buy from Insurers Rated A or Better by A.M. Best

Insurance companies go bust, they are bought and sold, and they suffer the same economic travails that all companies do. Between 1989 and 1993, 143 insurance companies declared bankruptcy. You want to pick a reliable company with a good track record.

A.M. Best is an insurance company monitoring service that rates insurance companies on reliability. Look for insurers rated A or better by A.M. Best, and periodically check to see whether your insurer is maintaining its high rating. If your insurer goes down a notch, consider finding a new insurance company. You can probably get A.M. Best?’s directory of insurance companies at your local public library, and you can find A.M. Best on the Web at www.ambest.com.

Rule 3: Shop Around

There are many, many, many kinds of insurance policies, and insurers don?’t advertise by price. You need to do some legwork to match your needs with the cheapest possible policy. Talk to at least two brokers to start with. Look for no-load insurance companies??companies that sell policies directly to the public without a broker taking a commission??since they usually offer cheaper prices.

Rule 4: Never Lie on a Policy Application

If you fib and get caught, the company can cancel your policy. If you lie on an application for life insurance and die during the first three years you hold the policy, the company will cancel your policy, and your beneficiaries will receive nothing. Health, life, and disability insurers run background checks on applicants through the Medical Information Bureau, so you can get caught lying. The medical examination you take for life insurance can also turn up a lie. For example, if you smoked tobacco in the previous year, it will come up in the test.

Rule 5: Don?’t Buy Specific-Risk Policies??Buy General Policies Instead

When it comes to insurance, you want the broadest coverage you can get. Buying insurance against cancer or an uninsured motorist defeats the purpose of having an insurance policy. If you have ulcers, your cancer insurance will not help you. Get comprehensive medical coverage instead.

Uninsured motorist insurance is supposed to protect you if you get hit by someone who doesn?’t have car insurance or doesn?’t have adequate car insurance. But, in my opinion, you don?’t need it if you have adequate car insurance yourself, as well as health, disability, and life insurance. I should point out that some attorneys advise you to carry uninsured motorist insurance because, by doing so, you may be able to recover damages for ?”pain and suffering.?”

Rule 6: Never Cancel One Policy until You Have a Replacement Policy in Place

If you cancel a policy without getting a replacement, you will be uninsured for however long it takes to get a new policy. And if disaster strikes during this period, you could be financially devastated. This rule goes for everyone, but especially for people getting on in years, since older folks sometimes have trouble getting health and life insurance.

Rule 7: Get a High Deductible

You save money by having insurance policies with high deductibles. The premium for high-deductible policies is always lower. Not only that, but you save yourself all the trouble of filing a claim and needing to haggle with insurance company representatives if you have a high deductible and you don?’t need to make as many claims.

People who buy low-deductible policies usually do so because they want to be covered under all circumstances. But the cost, for example, of a $400 fender-bender is usually worth paying out of your own pocket when compared to the overall cost of being insured for $400 accidents. Statistics show that most people have a fender-bender once every ten years. The $400 hurts to pay, but the cost of insuring yourself for such accidents over a ten-year period comes to far more than $400.

One other thing: If you have a low deductible, you will make more claims. That means you become an expensive headache for the insurance company. That means your rates will go up, and you don?’t want that to happen.

Rule 8: Use the Money You Save on Insurance Payments to Beef Up Your Rainy Day Account

While you can save money on your insurance premiums by following the rules mentioned earlier, it?’s probably a big mistake to use that money for, say, a trip to Hawaii. Instead, use any savings to build a nice-sized rainy day fund that you can draw on to pay deductibles. A big enough rainy day fund can cover both periods of unemployment and your insurance deductibles.

Author: Michael Bens
Source: articleage.com

You may wonder why Travel Insurance Companies alter the Business and Standard packages. The Business trips alter dramatically from trips taking for pleasure. The Travel Insurance then is customized to present protection to travelers of all walks, but the policies consider risk first and situation later.
Business travelers often carry equipments that are needed to complete a job. The travelers may carry additional luggage, printers, laptops, cell phones, palmtops, and other types of devices that fall under the risk category. The company intending to cover the traveler will consider theft, loss, and damage related to accidents when considering the customers needs. Thus, if the equipment carried belongs to the employer, then the customer is responsible for the devices, and if loss occurs, damage or theft, then who will pay for the goods?
As you can see, there are many factors to consider when it comes to business travel. The company will also consider the time of travel, risks involved in the areas visited during travel, and so forth. Therefore, business personnel that travel frequently should first ask their employer what coverage is offered to them for their time traveling before considering additional Travel Insurance coverage. Knowing what you have before you pay extra costs is essential, since businesses that hire-in employees to travel often will provide a measure of coverage to their employees.
The Business Travel Policies considers the rate of risk over anything else, and will often increase the Premiums on the policies to compensate in the event you should file a claim. The policies may also stipulate that you only house in “hotels accommodated by your company.” If you stay at a different hotel then the policy may be invalid.
If the employer travels with other employees then the Travel Insurance companies may offer Joint Insurance Plans so that the travelers can save money. Joint Policies offer the same level of coverage for each traveler; however, the agencies may decide their own definition of ‘joint.’ For the most part, many Travel Insurance companies are impressionable; therefore, look around to find the best deals.
Filing Claims
If you have taking out Travel Insurance Coverage and the plan is active you will need to review your “booklet” supplied with the insurance package at the onset, to learn what is required to fill out the claims. Most Travel Insurance Companies require that the policyholder make immediate contact with the company if a claim is required. The booklet will provide important information, such as policy numbers, which is essential to include in claims. Therefore, if you are traveling it is important that you keep your booklet with you at all times. It is also important to follow the instructions outlined in the booklet to the letter to receive disbursements.
Many Agencies offering Travel Insurance have a “24-hour International Claim Line” offered to travelers in the event emergencies crop up and immediate coverage is needed. The agencies designed the hotlines to help those that need immediate treatment, helping them to get cash fast. If the emergency is not fatal, then you should contact your travel company before agreeing to treatment. You will need proof of condition, plus a basic overview of the costs for treatment. Therefore, you will need to keep any information that is giving to you by the physician to receive disbursement. In addition, never send the original receipts when requesting disbursement, unless it is stipulated in the booklets provided by the Travel Insurance Agency.
Otherwise, send only copies of the receipts. You may also want to learn more about Taxes, since the co-payments may be a source of returns. Prescriptions are also returnable on taxes in some areas.
Note; THE co-payments are non-refundable costs paid by you before a claim is filed. The “Claim-Free Record” may offer additional information to help you save costs.
Finally, Standard Insurance for Travel is for those that are not frequently traveling for business and carrying equipment that could cost a fortune.
Authored by Michael Bens. For more great information about all forms of insurance visit our free online insurance publication the Gabae Insurance Source to find the information you’re looking for!
Also you can check out Gabae Insurance Articles to find the articles’ you’re looking for!

Author: Nola L. Kelsey and August K. Anderson
Source: articleage.com

Insurance is like a myth. From one small seed of truth, a
fairytale the size of 1000 giant sequoias has sprung up. Reality
is blocked from view. Surely, you’ve noticed all the giant,
sequoia-like buildings are owned by banks and insurance
companies. Where do they get all that money? How much money do
the executives make? Who pays for it all? Grab a mirror. “Magic
mirror on the wall, who’s the biggest sucker of them all? What’s
that you said? The Masses!”

Insurance is yet another unquestioned social reflex. You just
buy it. You must. The banker insists you have to purchase
insurance or you don’t get the loan. Your government orders you
to buy auto insurance at any cost. Hence, it must be really good
for you. Hell, why not stock up on some of the non-mandated
insurances as well? You can’t have too much of a good thing. Can
you?

Somewhere in the dark, murky corners of our minds we hide our
thoughts. Like The Emperor’s New Clothes, no one screams out,
“But he has nothing on!” or “Hey, this is just bullshit!” You
are not alone in the darkness. We all think it. So you are no
longer scared to speak, here are some of those secret thoughts
voiced out loud for the first time:

1) If I speak out against insurance, I will be jinxed. My home
will surely burn to the ground and I will look like a moron.

2) If I speak out against insurance, some pecker-head who heard
me will have an accident and sue me because folks are not
responsible for their own choices.

3) Insurance is betting against myself. Why would I bet against
me?

4) If insurance companies must charge such high premiums because
they’re losing so much in payouts, how do they afford all those
big buildings?

5) What do insurance companies sell? Air? Promises they intend
to deny via small print? Contracts? Wouldn’t I rather buy an
IHOP franchise with that money?

6) If government represents the people, why do they make me, a
people, a criminal when I cannot afford auto insurance to get to
work and feed my family?

7) How much in dollars and perks do insurance lobbyists put into
the pockets of politicians?
Do I really need trip-cancellation insurance? Why would I buy
a dream trip, and then bet on my canceling it at the last
moment?

9) If I put all the money I spend on insurance into the bank or
toward building success, how much money would I have for coping
with my problems on my own terms?

10) If I buy the extended warranty, will I remember I have it or
be able to find it when my widget explodes?

11) Shouldn’t companies make quality widgets that last three
years in the first place?

12) And finally, did Jennifer Lopez really insure herself for
hundreds of millions of dollars? What? She is already rich. The
agent who sold this policy is phenomenal.

Yes, we all know the system is way out of hand! The blame lies
with insurance companies, greedy bankers, spineless politicians
and with the Masses unquestioningly supporting these
absurdities. Every frivolous lawsuit provides government an
excuse for mandating people be protected from themselves via
costly insurances and removal of individual freedoms.

Before long, we will be required to carry Coffee-Burn riders on
auto insurance and Cell- Phone-Earring-Tear addendums on HMOs.
These days Sleeping Beauty would have sued the castle owner
(a.k.a. Dad) for that prick on the finger, lost wages from the
coma and for trauma from the scar. Uninsured sewing needles
would be outlawed throughout the kingdom.

With a system this out of control, how do you protect yourself?
You cut the fat. Quit betting against yourself. Think about all
those different types of insurance. Stop buying out of reflex
and decide for yourself what you can kick to the curb. Consider
the variety out there and what you truly must have.

Life Insurance is for betting you will die such a loser that you
can’t pay for your own funeral or leave your kids any
inheritance. Extra Car Insurance-How much you betting that you
will crash? Not to mention, homeowner’s, mortgage, trip
cancellation, emergency evacuation, unemployment, boat, credit
card, business interruption, earthquake, disability, dental,
smoker, expatriate, backpack traveler, winter sports, flood,
warranty and health insurance. The list goes on.

Here is a new monument to the ludicrous: Terrorist Insurance.
It’s even pushed at Art Gallery Owner’s in isolated communities
of the Northern Great Plains. And, why not? No doubt Osama is
crouching in an Afghan cave right now, plotting to rid the world
of those pesky Remmington Cowboy bronzes.

Insurance agents prey upon these new fears like snakes on
wounded mice. Apparently, companies want to terrorize you into
buying coverage. Another possibility is a rebel SCUD aimed for
Mount Rushmore may slam into a Canada Goose and go askew. It
sucks when this happens! No doubt your goat ranch in Chug Water,
Wyoming is in eminent danger from this likely chain of events.
Perhaps, you should add a specific ‘Unpasteurized-Cheese
Addendum’ to your Terrorist Policy. Call your agent today and
ask them. See if they will sell you one.

The odds of you dying of a mosquito bite are better than the
odds you will die at the hands of a terrorist. Well, crap! The
government better permit companies to require we all carry
Mosquito Insurance. Maybe you can get a DEET discount! Better
still; why not turn over all our bothersome responsibility, like
freedom and privacy, to the Feds. Then good ol’ Uncle Sam can
protect citizens from the winged menaces that haunt our very
souls.

Congress could raise taxes to fund Bug Inspectors. Their job
would be to comb through your private life, home and property
looking for freestanding water. They would not look for anything
else (roll eyes here). Still cancer and glaucoma patients might
want to keep the baggies away from the birdbath.

Speaking of cancer, the Air Force could spray us all from above
with a perfectly “safe” mixture of insecticides called Agent
Tan. Coincidently, that day your governor vacations far away. Is
there anybody in his or her right mind who would elect an
insurance salesman to public office? Of course, both politicians
and insurers are selling you hot air, so perhaps it is a match
made in H…

A very few insurances are worth buying, such as liability
insurance for cars and real estate. Once you have something to
lose, it’s a sure bet some lazy troll with an
entitlement-mentality will try to sue you. In this case, you
want the giants on your side. Insurance companies provide
lawyers to run evil little trolls back under their bridges.

Insurance prices in America are out of control. The wide range
of insurance the bureaucracy would have us believe we cannot
live without is genuinely insulting. Buying all the coverage
companies would have you believe you need wastes thousands of
your dollars each year. Look over policies and eliminate what
you can. Insurance is just legalized gambling. If you are
betting against yourself, how can you take a gamble on yourself?
Pursue your dreams instead!