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Asking “how” to buy life insurance presumes that you’ve moved beyond the “why” which is a big leap forward; however, it’s not quite as easy to answer.

These are truly remarkable times in the mortgage industry. Mortgage rates are still at their lowest point in more than 50 years presenting homeowners with a once-in-a lifetime opportunity to lock in rates while they’re at or near the bottom. No one can say for certain whether rates can or will drop even further, but what is certain is that, at some point, they will go up.

1. Underestimating the Odds of Becoming Disabled

The risk of a disabling illness or injury that prevents a worker from doing his or her job is more significant than most people realize.  According to information compiled by the National Association of Insurance Commissioners (NAIC), a male U.S.

Most people looking to implement a financial plan are making decisions with the long term in mind. While what long term means tends to vary depending on factors like age, individual and family goals it’s safe to say most planners and their clients would agree that long term is usually measured in years, not months.

It’s no secret to any parent with aspirations of sending their children to college that the cost of doing so is quickly inching beyond the reach of even the most affluent families. According to the College Board, which surveys college pricing annually, the average cost for an in-state public college in 2016-2017 is $24,610, and $49,320 for a private college.

It happens when you least expect it -- A fall from a ladder. a skiing accident; a serious illness. No one plans to become disabled.

Along with most consumer prices, college tuition costs are heating up again. It seems as though we have become accustomed to college cost increases that have outpaced the rate of inflation; however, recent data shows them rising at an even more alarming rate  into the double digits in many states and as high as 30% in California.

An increasing number of Americans are facing an uphill battle just trying to save enough and earn enough on their savings to be able to retire on time.