Insurance is a financial tool. We buy protection for a catastrophic situation we don’t have enough money of our own to cover.
Experts say we spend 40 hours a year looking for the important stuff we put away in safe places. We just can’t remember which safe place we put it in!
I’ve heard so many sad stories regarding beneficiary designations.
Most of us keep too much of the paper that comes into our homes. Common sense should prevail about what to keep and how long.