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Your resident image smasher has the unfortunate luck of receiving a great number of insurance bills at the end of the year. There are bills for two autos, a homeowners’ policy, a personal articles floater, an umbrella policy, long-term care insurance and term life, in addition to excess medical coverage, the only other health insurance that hasn’t already been deducted from my paycheck. Between insurance and taxes — those are also due at year’s end — I sometimes think I’m single-handedly supporting both the insurance industry and the government. Then letters from charities begging for money start to come. I’d dearly love to feed starving children in Africa and India and save the crippled and homeless, and support public television and lobbyists for causes I believe in, but…. there’s nothing left in my till. Uncle Sam and the insurers got it all.

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