Never Say Never.
And I am not talking about Justin Bieber’s documentary movie. 
Remember when I said that I will never get insurance because I do not believe in it? Well, I am biting my own words as we just signed up (the husband and I) last summer. It’s the most basic premium plan, one that we can afford at the moment.
We shelled more than the usual amount of money for this plan and we need to keep this up for at least five years so we can safely assume a ROI (return of investment). At least we have one investment under our names (well, two because we have one each). We pray that a third investment can be done before the year ends.
