Insurance; is it worth the money?

WHY, AND WHAT INSURANCE TO GET

Insurance is a necessary evil in today's society. If you were unfortunately robbed or involved in an accident, could you afford to replace all your lost or damaged items?

Insurance is to protect you if something bad happens. That being said, finding the right insurance may be difficult, so here’s what insurance you’ll need for what, what to look for in your insurance and why you want it.

RENTER’S INSURANCE

Anyone that’s going to rent an apartment or house NEEDS renter’s insurance. This’ll protect all of the stuff in your apartment/home in the event of a robbery or if they’re damaged. On top of this, you’ll probably need other types of insurance for things like natural disasters, but this really only applies if you own your home. Homeowners insurance is practically the same thing, just for a house.

More Information

HEALTH INSURANCE

Health insurance is what saves you when you get your medical bill. Nowadays you can stay on your parent’s health insurance until you’re 26, so it shouldn’t be of concern for most of you quite yet. If that doesn’t quite work out, then colleges often have their own health insurance programs and there is also always government-funded health insurance. Keep in mind that this only goes for people in America, since other countries have different systems it may be different, depending on where you live.

More Information

CAR INSURANCE

There are lots of different types of car insurance which may or may not be needed, based on your situation. First off is liability insurance, which protects other people’s things and health in the event of a car crash you caused. Then there’s personal injury protection (you can figure that one out on your own), collision insurance which protects YOUR car and things in the event of a car crash. Then there’s comprehensive insurance which protects you from “Acts of God” (so if lightning strikes your car or a tree falls on it, you’re covered). Finally, you have uninsured insurance which is an oxymoron that protects you from people who are lacking liability insurance.


More Information

WHAT TO LOOK FOR IN INSURANCE

LOW PREMIUMS

Your premium is kind of like your bill. Always look for an affordable premium alongside a good insurance policy (a good insurance policy for you, everyone needs different things covered remember, that part is up to you) or you’ll go broke.

LOW DEDUCTIBLE

Let’s say you go to the hospital and come out with a $1000 medical bill. Now let’s say you have a deductible of $500, this means that once you pay the first $500, the insurance company will cover the rest.

Keep in mind, low deductibles typically mean higher premiums and the same for the other way around.

COPAY

Your copay is a percentage of your medical bill that you have to pay. Typically it isn’t all that expensive, but everything can add up easily.

BASIC HYGIENE PRACTICES

Brush and floss your teeth

Brush at least once a day, but try for twice a day. Using baking soda on your toothbrush is really good at whitening your teeth, but you should still brush with toothpaste afterwords. Flossing should be done every 24 hours, it doesn’t hurt that bad and it makes your teeth healthier later on in life.

Use deodorant everyday

No matter what, never, ever, under any circumstances leave the house without deodorant. If you smell bad, no one wants to be around you. It’s shameful on you and your entire family tree.

Wash your clothes

All your nasty sweat is collected by your clothes all day and usually begins to smell on day 3 of use, but it depends on the article of clothing you’re talking about here. Shirts can be re-used 3 times max, jeans can be used all week, normal pants/bottoms go for 3 days, underwear (including boxers, compression shorts, etc.) should be used ONLY once and the same goes for socks. Hats go for 2 weeks. Bras go for about 3 days. A week is pushing it.

Shave at least 4 times a week

Shaving every day is a pain for guys, it’s understandable, but going over 3 days without shaving (unless you’re going for a beard) is kind of grimy, don’t do that, shave it.

Clip your nails at least twice a week

Nothing is more revolting than seeing someone with dirty alligator claws. Long nails are too common and there’s no excuse for it, try clipping once every 3 or 4 days, not once every 3 or 4 weeks you heathens.

Clean your ears

When someone sees anyone with hunks of yellow in their ears, the first thing that comes to mind is the scene from “Shrek” when he pulls wax out of his ear and turns it into a candle. Earwax is unacceptable and should be taken care of. Get your ears cleaned frequently by a professional if possible, but if that won’t work due to expenses just try not to push ear wax into your ear or you can hurt yourself while cleaning them.


Wash your face twice a day

This one is less complicated than everyone makes it: take your soap and warm water to make your hands a little sudsy,  start smearing that stuff all over your face, rinse with cold water. From there make adjustments according to your skin, but that’s on you. Remember that there are 4 types of skin: dry, oily, medium, combination; you should take care of your skin based on your skin type.

SIMPLE FACIAL CREAMS EVERYDAY AND SUNSCREEN
Benzoyl peroxide is the base of most acne medications and can be found on its own for much cheaper than a facial care kit. It works amazingly for spot treatment, but you need to be careful because it’ll dry out your face. For that, moisturising every night with a moisturiser that doesn’t clog pores ( I avoid oil based creams) is recommended. One final thing, remember that sunscreen is important, yes it’s a pain, but it’s better than risking skin cancer later in life.

One final thing

Remember that going to the doctor and the dentist at least yearly for a check-up can be very important. You don’t want any issues worsening or arising because you chose to avoid the doctor. Your health is worth the extra hour or so you’ll have to take out of your day.