One has a sneak leak that I haven’t found, so I brought a second for extra insurance so I didn’t end up chilling my body like a sushi roll on the ice every 45 minutes. I tore off my socks and stuffed my feet into the sleeping bag, suddenly coming to the realization that I had...
One effective strategy: I read recently about a person who asked in advance about the cash price for a discretionary surgical procedure. Then he had the procedure and came out — to find an insurance payment that took care of part of the bill, while he was asked to pay more. The insuran...