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"I wish I could, but I don't have time". "Sorry, but I have too much to do". "Maybe I can fit it in next week". Monday turns into Thursday and Thursday turns into the following month. I feel like a dog chasing its tail. It's time to stop and smell the beef jerky treat.

It's time to enjoy the reason we moved to Southern california - the weather. For my husband and me living in the East had become one of those four-letter words - snow. Now I'm addicted to sunshine.

If it rains, I try to remember what my grandmother used to say, "If there wasn't rain, what would umbrella makers do?" Well, Grandmother, they could become Southern california weather forecasters.

You don't need formal training. All you need is good hair and a charming smile. The smile is very useful when they explain why their weather predictions weren't accurate.

forecasting weather in Southern california isn't any harder than forecasting nighttime. Instead of having a degree in meteorology, weather forecasters should have windows in their offices.

The average Southern Californians don't have a barometer, humidity readings and satellite pictures to predict rain. We know that there's a good chance it will rain if we've just washed our car. We also know that there's a good chance it won't rain if we carry our umbrellas all day.

If weather forecasters predict partly cloudy skies, I know more about them than I do about the upcoming weather. They're pessimists. If they were optimists, they'd predict partly sunny skies.

In the musical, "man from La Mancha", Don Quixote sings, "Whether I'm right or whether I'm wrong - I've got to be me". If you change the word whether to weather, you've got the perfect theme song for all weather forecasters.

Unfortunately, these people need our sympathy more than they need a theme song. If their weather reports get lower rating than their competition does, they're weather beaten.

Family and friends living in the Midwest, as well as the East, give Southern california weather low ratings because we don't have seasons. I can weather the storm of their jealousy - especially November through March.

After all, it's been scientifically proven that weather affects our moods. For me sunshine makes me feel happy, rain makes me feel depressed and fog makes me feel lonely. However, when we lived in New jersey, snow made me feel like - moving.

KNIGHT PIERCE HIRST takes humorous looks at life. Take a minute to make yourself smile at http://knightwatch.typepad.com

Golf is becoming an increasingly popular sport worldwide, but it is estimated that there are 27,000 golf injuries every year that require hospital treatment and that millions of dollars worth of equipment is stolen. Yet an independent survey claims that 9 out of 10 golfers have insufficient golf insurance.

Ask yourself this question, could you afford to be sued should you cause damage to third party property or injure an individual with a stray golf ball?

It is important to remember that not all incidents could be the fault of the golf player. There are many golfers on a course at the same time, many being amateurs, as golf is becoming the new up and coming sport and there are new members on the courses that wish to start playing. It is easy for someone to get in the line of fire when you are taking your shot, resulting in a possible injury. Also many golf courses are close to public property, or are surrounded by hotel complexes for instance when abroad, it could be possible to cause damage to such property.

A majority of people wrongly believe that their household contents insurance covers their golfing equipment. In many cases, this is not true. A large quantity of household insurance policies exclude sports equipment and sports injury cover, which means that if anything should occur either on or off the course, you would be held financially responsible.

Reliable coverage against theft, loss or damage to your golfing equipment, damage to property and personal injury is highly important. The fact of the matter is that golf can be a very expensive game if it goes wrong when you dont have the correct insurance cover. Remember, the more golf you play without sufficient insurance, the greater the risk.

All golfers, regardless of ability, run the risk of injuring another person while out on the course playing golf. The last thing you want is to be on the golf course, achieving those pars, birdies and eagles that you long for, but having that uneasy sensation in the back of your mind that you dont have sufficient golf insurance coverage.

So, if you think that your insurance policy provides sufficient protection for your equipment used for golf and public liability cover for golf sport injury, please think again and check the policy wording very carefully;

Does it protect your golf equipment from theft, loss or damage, 24 hours a day, anywhere worldwide;

Does it provide you with cover for playing golf on any golf course or driving range anywhere worldwide;

If you are covered, can you make a claim without adversely affecting your premiums or No Claims Discount;

Does it cover your golf equipment if lost or stolen whilst left unattended?

Very few household policies provide adequate cover and making a claim usually results in a premium increase and a reduction in your No Claims Discount allowance. So remember, if you dont have the correct golf insurance coverage, make sure to check it out!

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