why pessimistic people believe insurance ?
480442
Wrong, dude! People who believe in insurance are realistic people because they know that no one can avoid death, no one knows when they are getting sick and will not be able to earn money anymore, or they know that bad things can happen to anybody at anytime. They are still healthy and they buy insurance policies, they are building a protection for themselves and their love ones because if they are unhealthy no insurance companies will take them as clients. Insurance companies only except clients with good health conditions to start their policies. \n\nFor your information, modern insurance companies will work as financial consultant, not only for insurance matter but they can make their clients' policies as investment as well. It's commonly called asset management. Investment with protection (insurance).
294788
Cute!!!\nHmmmm...\nCautiously optimistic would be someone who looks at the postive things in life, but must discern toward reality at times.\nFor example - GMU could win the NCAA, but the odds are against them because of the powerhouse that is UConn.\n\nOptimistically cautious, on the other hand (yes I have two), would be someone who looks at life positively but with ever watchful concern.  As in life is good, but something could go wrong.\nNow I said "could," not "will." That make it pessimistic.\n\nYou buyin' this??????\n\nI think I'm Cautiously Opt....
692601
The reason people are generally pessimistic is out of fear. We all fear being hurt and being wrong. The pessimist uses their negative outlook as a way to justify their fear anytime anything does go wrong and to avoid disappointment by assuming that nothing can ever go well. We get this way when we've been through hard emotional ordeals that give us a sense of loss, such as a bad break up or your parents divorcing. We become unsure of ourselves and choose to hide behind the defense of negativity. I bet you've caught yourself thinking "why should I even try, it's not going to happen anyway?" before. That is a defense mechinism. To heal from this sort of thing you have look within yourself and try to discover why you feel this way? What shook your trust? What made you feel asthough you were vulnerable and needed to defend yourself this way? When you can determine that you are on the road to fixing the problem. Once you've gotten that far make an effort to trust others about small issues. Think about the fact that if you are in a situation and you believe you will not succeed not only are you more likely to fail but you will be miserable through the whole experience. If you believe you will succeed whether you're right or wrong you usually enjoy yourself more so you are not wasting your time. As odd as it sounds pessimism is in part just mental discipline, you have to correct yourself everytime you are being unresonably pessimistic. Make the effort to change your thinking and replace it with a more neutral thought and eventually it will just become habit.\n\nIf councelling and changing thought patterns are not improving the situation at all there is also the possibility that you are chemically depressed. Only a psychiatrist will be able to diagnose and treat you for this. It's a very common thing in this day and age and you don't need to feel embarrassed if you need some help. Chemical depression has many sources, if you have been chemically depressed for any length of time your body begins to fall into that pattern and you may not be able to get out of that state on your own. Many people only need to take anti-depressants for a short time until their bodies can start producing the chemicals that regulate your emotions again on it's own.\n\nWhatever you choose to do, I wish you good luck. Take care.
609423
i think suicide is commitedby those who r a pessimist and do not havea stable mind
893214
because some people are narrow-minded
616511
I just heard on the news this morning that hurricane season is once again upon us. They did say that it shouldn't be as bad as last year though.\n\nI don't know how the people that live in these areas do it...they really have to love where they're at to continue to live in the hurricane zones and rebuild or evacuate or whatever comes along. \n\nPersonally I am not that flexible with my life. I like stability and security.  Even if the insurance does cover the loss of the actual building and contents..you can never replace or put a value on your possessions or your life. \n\nI think the predictions hold some merit. They are just that...predictions,but I would definitely think twice before building in that area. Not the life for me.
1065712
People who believe in something think there is no wrong.
238555
Yes, I did. And I am. I think this way of thinking involves both negative and positive minds. If you are an optimist you think that you are unique in a kind of way. But if you are a pessimist you would think of the opposite.
561827
I wish people would be happy as much as i expect but no they aren't. It is kinda like we are living in a whining world. Everybody wants more and more, even though they have everything they want, i think they still are gonna be unhappy. Kinda nature of people. It is not that only pessimism or greediness something more deep hard to explain. Because if they have been cured they still gonna crave for something. Sometimes drives you to live, and sometimes makes you blow up.
744008
Oh  my gosh! Tell me about it!!! I have a couple of friends that are just constantly pessimistic about life in general and it drives me BONKERS!!! If you are unhappy with your life get off your @$$ and do something about it! I have no tolerance for pessimism. NONE!!!
612965
People say it because they are pessimists, and are into trying to scare people.
223215
If people buy whole life insurance policies they are buying both life insurance and an investment vehicle.\nThe money above what pays for the insurance is the 'savings' part of the policy and thus increases the national savings rate.\nThe US national savings rate recently has been negative for the first time in our nation's history.  It means people as a whole are spending more than they are bringing in.\nIt is a sad harbinger of an impending credit crisis.\nInterest rates will soar.\nIt's best to try to limit your credit and save more if you can right now.
141430
I used to be, the only positives to being negative, a pessimist, is that you tend to keep things real and you don't get blinded by stupid things or possibilities. There aren't many though, try changing.
300093
dsinngerdj,\nYou are providing poor information to the public and any clients that you meet with.  It appears that your only product line is term insurance so you say that that is the only type of insurance that makes sense for anyone.  That is simply wrong.  Every person has a different financial situation and until they have reviewed their situation and established a plan, you can not say that.  For many people a combination of term and permanent coverage is their best bet.
687873
They are private companies that have to make a profit.\n\nThey look at various risks and will not insure anything that is a too high a risk.\n\na 80 year old will not get life insurance normaly\n\na bad driver will not be insured,\n\npeople with dangeroius dogs will not get house insurance.\n\nThey most likely are losing money on mobile homes.
40867
I assume you are asking in a business context.\n\nAdvantage\nSelf-insurance makes economic sense when the premiums you would pay far outweigh the risks you are covering (the yearly damages costs less than the premiums)\n\nDisadvantage\nYou can't predict the future, the once in two hundred year event can happen any year,  (a Tsunami etc), so you could end up with a huge loss.\n\nThe solution that self-insuring companies follow is to self-insure everything below a disaster and only take out insurance for events above a certain amount (for example above $x million).
72459
I'm sure that there are some who wanted "fire insurance", if you will. They see the big picture of the interplay of good vs evil. Then see the whole of creation, either the immense universe, or the simple design of the flower everyday. They realize that they have committed "sin", at least disobeyed one of the ten commandments. They begin to think there might possibly be something to this "God" thing, and if so, maybe they ought to do something about it. \n\nThing is, that simple step of faith becomes something more than ever thought. It introduces them to a person. Jesus. He then introduces them to the living God. The fear of death or hell is no longer an issue. It is not because they believe it, but because of a real, dynamic relationship with a loving God allows them to know it for certain.