life advice

Anton Darius / UNSPLASH.COM

I’m talking to a young man in his early 30s who happens to be the sole breadwinner for his family for now. This couple both want Mom to be able to stay home with their children, so among other things they’ve realized, they need to get some life insurance on Hubby.

How much coverage should they get and how long should the term be?

Hans Splinter /

“When you’re going through hell, keep going.”


Winston Churchill’s advice still applies. If you’re going through a hard time, financially or otherwise, now is definitely not the time to stop. Now is the time to get back up, dust yourself off and redouble your efforts.

Pimthida / FLICKR.COM

Fear can be a great help. Or it can be a great hindrance. It all depends on how well you understand it.

All of us have had the unpleasant experience of having a smoke alarm go off for no apparent reason. It is one of the unwritten laws of the universe that it never happens at noon. No, it always occurs between midnight and 4am.