When we talk about Risk

 

 

When we talk of risk, we often associate this with things such as Car Insurance or some form of insurance.

 

We talk of risk like it is something we can calculate and reduce to Rands per million at a premium per month.

 

I would like to share a few experiences of taking a Risk, which cannot be calculated. Unless you have a lot of time on your hands, and lack a sense of humour.

As a young man, I would often think back to how my parents raised me. I would think carefully of the things they had done completely wrong like clipping me on the back of the head with a flat hand when I made an inappropriate comment, like chirping them for being lazy when they asked for a cup of tea or some help around the house. I recall thinking that in going to school and achieving an above average grade I had done my job, why should I also clean the pool or mow the lawn?

I was a cheeky little brat, I could drop comments and be sarcastic with the best of them. I didn’t like the way my parents raised me when I thought about it. I thought they could have done better!

When I met my wife we were both in agreement, our parents had done a poor job of it. The way they raised us was so risky, it is a surprise we made it to the chapel! We would be SO MUCH BETTER. These are the things we would never do.

1. Say the following: “I brought you into this world, I’ll take you out of it!” Nor any of those classic lines about taking a look off your face and such like.
2. Smack a child in public! (Very taboo).
3. Scold a child when they are tired.
4. Raise our voice in anger. (Like we would never be angry with our angels??)
5. Exceed the speed limit!
6. Start the car before each child has been strapped in or confirmed that his seat belt is clipped in.
7. Give the children sweets before driving any distance with them, or putting them to bed.
8. Smacking them across the back of the head – ever.
9. We would never yell at our child to not be stupid
10. We would never make them; do something, eat something, or be something they did not want to; do eat or be.
11. The list goes on.

 

How long do you think it took for me to hear my father’s voice in the garden, telling the two fools to stop bickering with each other? “If you two “chops” are bored, I’ll give you something to do! Don’t look at me like that, I’ll wipe that look right off your face!”

On more than one occasion, I have clipped my son on the back of the head for a comment or chirp he has fired at his mother, without even thinking – almost like it was instinct.

I have since, and on many occasions noted, with much humility and occasionally a little smile on my face, that the apple falls close to the tree. I am not my father, but I am not too different.

So why tell this story, why be vulnerable and share that I am not perfect? Well the truth is that not all risks can be calculated. Not all mistakes are avoidable. We make choices intuitively, and without so much as a thought.

We drive to work, drop off the children, walk across the street, run for exercise and think nothing of the collective risks we take.

 

When life throws us a curve ball. Take a swing at it!

Mountbatten Insurance consultants is an Independent Brokerage. We are parents, we are mothers and fathers who understand that you have not done the calculations, and you have not worked out what risks you are taking. You are quite likely just taking life one day at a time, and doing the very best that you can!

We do however have products that can help limit the impact of things going wrong in many areas of your life. Every product type we offer is there to help.

From Assurance (Life Cover, Disability Cover, Dread Disease), to Investing. From Insurance and all of it’s guises, Contractors all Risk, Guarantee’s, Event Liability to Household and vehicle insurance. We are here and available to help.

If you have read this article, and can identify in any way with what has been written, feel free to send a mail to sizaminakakhulu@gmail.com One lucky respondent will win one thousand rand. I will accept mails until the 30^th of July and respond to all on the 1^st of August.

If you would like additional information about what we can do to assist you with your daily risks, be it insuring a hole in one, or the risks associated with building a bridge, send an e-mail to brad@mountbatten.co.za We are here to partner with you in every aspect of your business and life.