The landscape of our economy and society is changing so rapidly. Whether you are changing careers, staying at home, wanting a promotion, or wanting to increase your skills, you must be continually learning and adapting. Personal education, regardless of higher education or certifications or even reading about topics, is a must in today’s world of change.

People dislike paying for something that they do not use. This is the rationale that prevents some people from using insurance. The purpose is not that I hope that I have an accident happen so I can use my insurance. The purpose is to protect you and loved ones in the event of an accident. Managing the risk of those events that could destroy your finances is just as important as all the other...

We all know that at one point we are going to die. When this happens we may leave behind real and personal property. Real property is real estate and personal property is our other possessions: cars, jewelry, bank accounts, etc.  The purpose of estate planning is, while still alive, to plan on how you want to distribute your real and personal property after you are gone. It should be set up to...

Many young people think of retirement as something far off that can be thought about another day. This mentality can be very harmful to your financial goals. In 2011, the American Institute of Certified Public Accountants released a report showing that 40% of working Americans will never be able to afford retirement, 55% said they did not know how much to save for retirement and 56% said they...