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another typical example the bushfires in victoria a few years ago, those that had paid their expensive insurance premiums every year were pretty annoyed when those that had no bushfire insurance got either half or all of their houses replaced by the government, often faster then the insurance...

maybe im the one who needs to learn as well, because ive never budgeted in my life (39), even as a poor student living away from home, I had a credit card, but was one of those people that paid it off monthly, I did live frugally since moving out and that has continued, so ive never had to...

can i ask why you are so insistent on helping him out? relaitve? partner? brother? a lot of people just need to learn the hard way a kid, you tell him not to go near the stove 3 times per day, he keeps on going near the stove, until he actually burns himself, and then he will learn to not...