LIFE doesn't always go as planned. Unexpected things happen: a broken air conditioner, a leaky roof or a minor car accident — these can occur at any time, often when we least expect them. It's impossible to plan for everything or prevent every mishap, which is perfectly captured by Murphy's Law: "Anything that can go wrong, will go wrong."

When these situations arise, it becomes our responsibility to be prepared. While we can't predict or guarantee these events will happen, it's wise not to be caught off guard. Think of the spare tire in your car, or the life vest on a plane or boat — you hope you'll never need them, but they're there, just in case. With that in mind, it's always best to be ready for life's surprises. Here are a few tips to help you prepare.

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