Today I heard an auto glass commercial promoting fixing dings on the windshield before they crack. Good idea. But the commercial suggested that if you have insurance there is "no cost". Hundreds of dollars a year for auto insurance is "no cost"? I don't think so. Yes, if you have insurance there may be no extra cost to you, but there is a cost.
Right now a lot of people are talking about what they're getting back from the Internal Revenue Service. Some people are. But a person who is receiving more from the IRS than he or she paid in income tax is not getting back (some of what they paid in). That is person is getting someone else's money!
How often I hear someone who has purchased a lottery ticket talking about what he was "won". Do the math! If you just told me you purchased a $5 lotto ticket and won $3 -- hey, you actually just lost two dollars!