Back in my college days, I got a call from a casual acquaintance who said she wanted to come over to my house to talk to me about something very important. While there was no way of knowing what the call was about, being the very socially awkward (if not backward) young man that I was, I was flattered at the prospect that this young woman might actually have a crush on me and was forward enough to make the first move.

She showed up at my house the next evening with a briefcase in-hand. As it turned out, she was working part time at her father's insurance agency, and called on me to sell me a life insurance policy. It could even be used to help settle my educational debts later on, she explained to me. While I had definitely misread the situation, I thought it may be a good idea to have such a policy — I signed on the dotted line.

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