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HopeHoops

(47,675 posts)
3. It's a gamble. If you don't use it you lose it. In our case...
Mon Nov 5, 2012, 12:05 PM
Nov 2012

... we decided it was better to avoid it because the hit on the monthly check would pretty much equal our expected expenses anyway. Sometimes we've been wrong, but on balance we've been right more often.

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