We all have the ability to “power through” things. To put our heads down and do what needs to be done, in spite of being exhausted, burned-out, or not feeling like it.  And, we all do it.  Besides, what choice do we have? All the things still need to get...

We spend a lot of money protecting things.  There’s life insurance to protect our loves should something happen to us. Health insurance pays for the cost (or some of the cost) of medical care. Long term care insurance pays for skilled care should we need it when...

Car accidents happen.  We don’t cause them on purpose, which is why they’re called accidents. Being in a car accident can be a surreal and life-threatening experience. Hopefully, should you ever be involved in one, the only damage will be to the car. ...

It probably won’t surprise you that Ben Franklin was the Founder of the first home owners insurance company in the United States.  His company, Philadelphia Contributionship for the Insurance of Houses from Loss by Fire was formed in 1752.  For a long time,...

Don’t I already have insurance that covers this?  Probably. Your homeowners insurance and auto insurance commonly provide coverage for personal liability.  But is it enough?  That’s the key question I hope to help you answer.  Understanding...

“That’ll never happen to me.” We buy insurance despite low odds of something bad happening. You and I are probably not going to die before we’re supposed to.   But if we did, the consequences would be catastrophic.  That’s why we buy life...

What is financial wellness? Should it be part of your benefits program? If you offer it, how do you make sure it will work?  Simply put, financial wellness is getting clear on how you want your financial life to be, then making and executing plans for bringing...

It’s hard to think of ourselves as an elderly person, but God willing, it’s going to happen.  It’s also hard to think of our future, elderly selves, requiring help doing simple things like moving around the house, preparing food and eating it, getting dressed,...

Nobody plans to get sick or hurt, but life frequently ruins those plans. Healthcare costs are very high with a night in the hospital going for around $12,000. Health insurance covers the costs of medical care as well as provides a lot of other valuable benefits like...