I agree completely

來源: ##^^## 於 2009-05-19 07:49:34 [] [舊帖] [給我悄悄話] 閱讀數 : (284 bytes)

If one can handle the loss, don't buy insurance. In a way,
buy insurance is gambling. It is a bet against yourself because you "win" only if bad thing happens.
Therefore all the efforts you put to reduce risk doesn't
benefit you (may be reduce your future premium).

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