If you can buy it, an “own occupation” long-term disability policy is best. Own occupation coverage provides protection in the event of a disability that precluded you from earning the salary that you are accustomed to earning. Any benefit payments received will be tax-free,
What is a cash reserve? A reserve of cash is important to pay for ongoing expenses—such as credit card, medical, and tuition bills—and to cover large annual costs, such as property taxes. A cash reserve also provides a buffer for unexpected emergencies so that
During extreme market volatility many investors make poor decisions that can ultimately hurt them. Great investors remind us that a disciplined, patient, unemotional investment approach is required to reach your financial goals. The wise words of history’s most successful investors are tenets of long-term
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