Emergencies are unpredictable, but the money you set aside to cover unexpected expenses (usually big ones) can help. Along with paying off debt, an emergency fund should come before other financial goals like saving for a down payment on a home, funding your child’s future college, and even investing for your retirement. Planning Ahead Conventional …

Like health insurance benefits, Medicare benefits can also change from year to year. Most of these changes tend to be minor, but for seniors who may be living on a fixed income it’s important to factor any Medicare rate changes into your budget planning. So what can Medicare enrollees expect in the coming year? New …

Are you one of the millions of Americans who are underinsured?* Think about it. That policy you bought years ago or only have through your employer might not adequately address your current needs and lifestyle. It’s important to review your policy every so often to help make sure your loved ones are protected financially. 4 …

It’s easy to think that a long-term disability diagnosis will never happen to you. But having a safe profession and low-risk lifestyle does not negate the need to protect your income if you are no longer able to perform the duties of your occupation. Here are two big reasons to consider this coverage: Reason #1: …