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Some principles about insurance:<br> <br> 1) The first dollar of coverage is always the most expensive. Self-insure as many of those first dollars as you can through deductibles.<br> <br> 2) Just like Vegas, the insurance industry wasn't built on "winners". Insurance is a bit of a sucker bet--only insure those things that you CANNOT afford to lose, since you're not going to "beat the house" in the long run. Hint: Your comfort due to a sniffle is NOT one of them.
By jabster

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