My prior insurance company used to charge $5/month if you pay in installments. I couldn't see paying $60/yr. for this privilege, so we just paid it all at once. Now I have it automatically deducted from my paycheck through my union, so there are no installment charges that way - plus I don't have to cough it all up at once. I love win-wins!
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Contentment is the magic touch that turns everything to gold.
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