Cruise Control |Brooklyn Covered

It Happened One Day

I happened to meet one of my clients on the street the other day. When she saw me she had the “Oh no” look so common with people who really don’t want to run into their financial representatives. Why? Because we seem to never forget what most people tend to – the disposition of  their financial affairs.

“Have you and your brother given any thought to talking with your mom about her insurance and planning needs should she require skilled nursing care either at home or in a nursing home?”

Before she could come up with an answer the old Greaves memory kicked in. “And what about the Renters, Life and Disability Insurance program we discussed at your last review? When would you like to get together to put your plans in place?”

She looked at me and said, “Listen, I really can’t worry about that stuff now. I’m getting ready to go on a cruise and I need a complete new wardrobe and I have to finish paying for my ticket…I’ll just take my chances. I’m sure nothing is going to happen and everything will be okay until I get around to it.”

Don’t ask me where my reply came from. “Be careful with the chances you take. You just might run out of luck.”

The Ships’ Company is Prepared

“You mentioned you’re going on a cruise, right? Well, think about this: The captain and each member of the crew of your cruise ship knows exactly how much food, fuel, fresh water and other supplies they need on board before the ship departs. They know to the minute when they’ll reach their first, second and last port of call. They know exactly how many meals will be served, who will sit at the captain’s table and when, how many songs the different bands need in their repertoires, the number of towels for the deck chairs and how many mints for the pillows. They’re ready for any shipboard emergencies because they constantly run simulated drills so they know how and what to do and when. They even know your name, date of birth, food allergies and maybe even your favorite color. All before you set foot on board that ship. And I’ll bet they have a pool on how many shipboard romances will end in broken hearts.”

Confused, she looked at me and asked “So what does that have to do with me? I’m just taking a vacation.”

I looked at her, took a deep breath and said, “They have a plan. You don’t. ”

I didn’t if she was going to laugh, cry or slap me upside the head. After a few seconds that seemed like an eternity, she quietly said, ” Well, if my luck holds out, I’ll see you when I return from the cruise.”

“Give me a date and time,” I said. “And before you can tell me you don’t know when we’ll meet to get your financial house in order, try telling me you don’t know the exact date, pier and time of departure for your cruise.”

I am looking forward to our upcoming appointment.

How Prepared Are You?

Take a moment and just think about your own financial house. A “Little Bit of Luck,” is cute in the New York State Lottery commercials, but how long will your luck hold out? I think you’ll sleep better if you just put yourself on “Cruise Control” so you can really enjoy all your life has to offer.

Just ‘a little’ food for thought.

About BrooklynCovered

Eustace Greaves Jr., LUTCF, authors BrooklynCovered, a Social Media Blog dedicated to providing those in Brooklyn and beyond with the information about insurance, income taxes, point and insurance reduction workshops, NYS vehicle and traffic law and investments to help you and those you love make informed choices about your finances.
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