Death is a fact of life-and when you fail to pre-arrange your funeral, you are laying a heavy burden on loved ones who are grieving.

Understanding the elements of funeral planning allows you to take final charge of the ending of your life, financially and psychologically.

The sole purpose of insurance is to replace what is lost or damaged. Property insurance covers physical assets, while life and medical insurance covers something less tangible but far more precious: your health and life.

Married or single, childless or with dependents, you need to make certain you have the coverage you need-before you need it.

An estate plan is truly planning for the future. It includes your will, a general durable power of attorney, and a medical directive or living will.

Your estate plan speaks for you-when you can no longer voice your requests.

Financial planning is simply a method of saving and investing money with a specific goal in mind. Without a financial plan, you put your comfort, and those closest to you, at risk.

Creating a financial plan also makes you aware of all the aspects of your current situation.

Think you won't be downsized? Think again-for many workers, it's an economic reality.

A proactive approach to your employment keeps you in the driving seat of your career, and can help offset "pink slip" damages.

Buying a home is simple, right? You visit with a Realtor, make your selection, the bank approves the mortgage and the home is yours.

Finding and purchasing your new home can be a dream-or a nightmare. Without a solid understanding of all the elements of this transaction, you might be making a major investment error.

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