If you’re like most people, you probably don’t get a warm feeling inside when paying your insurance premiums.  It’s common to grumble a little and write the check because you “have to.”  But insurance is a valuable financial tool that is much more than a requirement or obligation.  Insurance allows us to live

On a September evening in 2015, my wife and I played the back nine at Thousand Oaks Golf Course.  I was having a good round – one stroke over par going into the 15th hole, a 150 yard par three.  I hit a 7 iron off the tee and said to my