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1. You should be getting this advise from your accountant, with the limited amount of info supplied here, I would ignore any advise provided here.
2. Good/ Reliable / budget. 2 words that are total opposite ends of the scale. When talking about insurance in particular skin care, you only want the best, not budget.
3. again, not expensive but good quality/repo. You just want good quality, if packaging is cheap its a reflection on the product.
If you plan to start on the cheap, don’t start, go for quality from day one