Since my monthly earning is limited, I sometimes ponder over the question of whether I have been spending too much money sustaining insurance premiums from all the policies that I have purchased for myself as well as for the entire family. I like insurance which is the transfer of risk to insurer for protection. However, insurance and the protection can only bring benefit once certain conditions are triggered which means the unfortunate event already happened. The money does make life easier for the family but it does not buy you any additional happiness at that juncture. Health supplements are also very important especially as one aged and all sorts of funny ailments started kicking in. Most folks started to get high cholesterol issue. Other metabolism disorder due to aging means the risk of hypertension or diabetics shoots up drastically. Chronic diseases lead to a deterioration in the quality of life. ...