There are many things in our life that we wanted to achieve and those dreams are able to determine our fate in the future. There are several people in this world and those people are divided into two groups. First group is people who are having a dream and try their best to achieve it and they did it. the second group is people who have a dream and their dream are become real even if they do not try their best to make it happen. These two groups make some differences in our world no matter we are realizing it or not.

First group of those people will be able to live their life with happiness and they will not become bored about what they do since they are achieving it by trying their best. But it is different with the group of people who are having their dream come true even if they are not trying their best. This will make them easily bored with their dream, as for example is people with dream of having their own business.

These people will soon find out that having your own business is boring and they will thought to sell a business that is boring according to them. of course this will bring benefit to other group of people who are wanted to have their own business and try their best to do so.

There are many factors that go into determining how insurable something is. For an asset to be insurable, it needs to fit into at least several of the below categories. Insurance companies will probably not insure an asset if it isn’t deemed insurable because it would be too risky or have too low of a return.

• Large number of similar units – Insurance operates through the use of pooling resources, and for something to be insurable there has to multiple types of the asset.  Common examples include life insurance (people) and auto insurance (vehicles.)
• Definite loss – This is a type of loss that will take place sometime in the future.  Common examples include life insurance, where the person will definitely die sometime in the future.  Another common example is auto insurance, where the rate of getting into an accident increases dramatically as time goes on.
• Accidental loss – This means that the event that triggers the claim should be outside the control of the beneficiary of the insurance.  The loss should be pure, in the sense that the event should only have an opportunity cost and nothing else.
• Large loss – Insurance companies will only cover something if it has high value.  For example, you wouldn’t find any sane insurance company that would want to cover something as miniscule as your shoes or your clothes.
• Premium affordability – Insurance companies will not cover something if the proposed premium is so high that nobody would purchase the insurance.
• Calculable loss – The loss must be calculable for the insurance company to assume the risk.
• Limited large scale loss – An insurance company does not want to insurance homes in an earthquake zone or flood zone, because the chance for large scale loss is very large, which cuts into the company’s profits.