[fabsroman]

Wolvie,

Nobody is prepared for everything that life can throw at us. For instance, I am not prepared for a meteor to hit my house tonight, but you can bet that there would be certain things I would do if I didn't die. I have home owner's insurance, and I would hope that the policy covered the damage. Likewise, my wife and I have health insurance, so if we get hurt that would cover us also. The dog would be SOL. We would end up living at my parent's house for a while. Luckily, I have a backup copy of all my files at my parents and they have a computer too, so if I'm not too hurt I could still continue to work. My paper files would be gone, but as long as I have a client list, my financial file, and the documents file, I'll be good to go. Luckily, I don't keep all my life savings in the matress, so I could get some money out of the bank. Now, the birth certificates and such are in the fire proof gun safe on the bottom floor, so hopefully that didn't go up in smoke.

Regarding your scenario, a lot of things would have to go wrong for 2 out of 3 of my dogs to get shot while out hunting because that would mean that somebody was intentionally shooting them or somebody was completely careless. However, I do carry dog and human first aid kits with me in the truck and I usually have my wallet with me. However, if I forgot my wallet, I usually have my cell phone with me. If I am hunting with my dad, which I usually do, he would usually have his wallet on him. Then again, I usually carry some cash on me too. The cash is on a money clip and the wallet has my credit cards and ID. Every morning, before I leave the house, I make sure I have 5 things in my pockets. The left pocket gets the Trident sugar free gum and the Blistex spf15 lip balm and the right pocket gets my money clip, wallet, and cell phone. The car keys go in the left hand coat pocket and the house keys go in the right hand coat pocket. If I'm not wearing a coat, the car keys go in the left hand pants pocket and the house keys are carried out to the car and left in the glove box. I take precautions to avoid things just happening to me. I like to keep $10,000 at the minimum liquid just in case something does come up, and by liquid I mean in a savings/checking account and not in an investment account. My truck has 2 batteries in it too, but that was Ford's doing, I just made sure I got the option. Even if I did make it to the vet without any money or credit cards, I would offer him the truck and my guns as collateral until I could get my wife, mom, dad, brother, or sister to come to the vet with the money.

About the only way I would be really in trouble is if I got shot or if a meteor hit the truck while me, my dad, and the dog were getting in it, but then I don't think anybody could be prepared for that. Kind of like having a stroke, nobody can prepare for that except to make sure that they have all the proper documents in place (e.g., Power of Attorney, Advance Health Care Directive, and Last Will and Testament).

I guess I could be in some sort of trouble if the boat were to tip over in rough, cold water, but I still carry matches, a lighter, and all the other survival stuff in a waterproof box and I keep another set in my hunting bag sans flares and flare gun. While the boat is moving, we always wear life vests and the dog has a neoprene vest on too.

Come to think of it, when I took Nitro to the Emergency Vet, they never once asked for payment up front, they just expected it before we left.

I still like TD's quote, but I thought of a couple more.

If you fail to prepare, prepare to fail.

Chance favors a prepared mind.

Assumption is the mother of all screw ups.

Don't get me wrong, stuff does happen, it is just a matter of how prepared you are when it does happen.