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I know an insurance agent who went from doing well to welfare. I think when you’re close on money the first thing to go is insurance. My home insurance was going up in 20-25% chunks when I was laid off. I cancelled it as it was going to be $2,000 the following year. (That’s with the largest deductible.) I have only the minimum insurance on my cars. So, no fire, no theft, no storm coverage...How will that hurt people if they need it and don’t have it? Most would be wiped out.

I absolutely love my cat. But I think about how much she costs me and she hasn’t had her teeth cleaned since I was laid off. It went from $50, to $100, to $150 to $175. Then, the vet suggested I buy cat insurance and I’d only have to make the copayments. It cost what my first health plan cost in the 1970’s. I’m waiting for a law requiring me to have pet insurance. It already requires I have her vaccinated regularly. (She’s gone off-grid.)

I’m really not hurting for money yet as I owe nothing for anything. But I’m ripe for a disaster or lawsuit or accident as I’m not insured. My money problem is I don’t know when I will have another job. So, I must conserve.

Thank you Obama.

I hear ya. I was in that boat from the beginning of '09 til the oil patch started picking up in '10. Came down here and it has turned into boomtown and the local leaders say there is no end in sight (though you know who has painted a big ol' bullseye on our backs).

But for the cost of maintaining two homes (an affordable and TG almost paid off mortgage in Oregon and sky high rent here) and some extra travel costs I suppose we'd be making hay, but we are at least treading water. Lots of folks in the boat with me down here, would rather be making money at home, this place will eat you up if you let it.