Then do your insurance through an Islamic Insurance called Takaful.
At the end of the year, there's what they call SURPLUS sharing where the Insurance company shares to its premium holders the surplus money after all claims.
If you were in Nigeria, then I could recommend
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@Tspiceskitchen I learnt this math trick 😁 from @raymonbell back in Ọgbà Fẹ́mi. He said: "when you enter any market, you divide the given price by one-third and start haggling from there". Best market advice I learnt from him.😁
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“Sell at a premium and don’t sell at desperation” - @mcuban
There is nothing that puts people off a service business more than desperation.
A lady came to our estate looking for houses to clean. I needed a cleaner but I didn’t hire her. I preferred one who was recommended.