In a message dated 00-02-24 11:21:23 EST, [EMAIL PROTECTED] writes:

<< To add in my 2 cents, I do believe that the original person was describing
 something more like a savings account.  She wanted to put aside a set amount
 of money each month (the premium) and then be able to access that account in
 case of emergency.  Many people would find it a much smarter idea (and
 easier to implement) if they simply opened up a "Christmas Club" account at
 their bank.


Thats true, i could just set aside money... never thought about that, I just
wanted to throw a couple suggestions on, get us chatting about something..

Best Wishes...
Kristen

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