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I hear what you say about over-insuring. We have cover on our lives to ensure that the debts are nearly covered (over $1M) and to cover our houses, and sometimes we take landlord cover depending on the tenants going in. Most of this is tax deductible. We have income protection on my husband...

I tend to over-insure, but knowingly. To insure a house for $1M that would cost $300K to rebuild is silly, and if anyone thinks they will get a payout of $1M then they are sillier still. However, say I think my house will cost $300K to rebuild, then I need to allow for clearing of the site...

I'm glad it is not as it sounded at first Nathan :). Regarding moving and mail, the last two times we moved, I paid for a redirection for a full twelve months to catch those letters and bills that only arrive once a year. It only cost something like $70 (from memory) for the year. Anyway, it...

I am shocked that you let your mum drive 1.2 hours a day to feed her dog. Couldn't you do it for her, even a few days a week?