I was doing a bit of cost analysis for my prcatice, to determine a rpojection fro the remainder of this year and out to the next three or four. I am a bit different in my projections, because I don't care for five year projections. Placing things out three to four years ihas allowed me to consider changes in my practice in a manner that keeps me a bit more nimble in the marketplace.

This view also keeps me on top of a rapidly hanging and inreasingly global economy, of which i feel a dtringent need to keep abreast of. This is something I am finding happens on a four year basis, which is somewhat mirroring the Presidential election schedule in our ountry.My metohod for this are still in development, but over the last dozen years have shown more acurate and reliable vs. a standard five year observation.

One of the things I always examine losely are the costs of vehicle operation. Fuel, maintenance, repairs, and even rgistration costs are a part of the equation. One important oost is insurance. At this time, due to continued and irregular spikes in oils pricesI find it more necessary not to finance the purchase of any car. We have two urrently financed in our household, and I am diligently workign to reduce that to one.I can then roll the interest savings back into the spread to cover the rise in oil and maintenance costs occurring from the rise in fuel costs.

Another measure i have undertaken is to make sure that ll of my errands, showings, previews, pickups and deliveries performed in a master route, and ony two or three days a week. This reduces the total miles driven, and optimizes milage by keeping the car at its optimum operating temperature.I am also investigating alternative to gasoline in my current vehicles. I am reviewing hundereds of articles, and looking at how i can convert my car to run off of something other than gasoline. I know that every dollar conserved translates to stronger financials from whcih I can grow my business.

So, here is a kicker. I found this article on MarketWatch, which I subscribe to for a variety of news feeds. This particular table illustrates rises of insurance costs. take a look for your state:

This article was reported and written by Ruth Mantell for MarketWatch.

What can you do? About the only thing i can think of is to petition you governor, adn your insurance commission simultaneously. There has to be a solution that will work better than the current one. The real key, according to the article, is how much the state regulates the insurance industry. I think we, the people need to stand up, and determine not to allow ourselves to get ripped off any more.

Insurance is supposed to be a large pool of people, contiriuting small amounts in order to offset the catastrophic needs of the members of the pool. The math works out the say that most people never experience a catastrophic loss. So why are we being charged so much?

Thanks to the folks at marketWatch for this article. Maybe it is disturbing enough for all of us to act on it. I have a few emails to send to my representatives. How about you?