A faithfully kept program of savings and conservative investments can give you more money and a better life than that of your neighbors who spend everything they get. This is probably the oldest financial advice in the world, but there are some things you can't improve on.

The shortest period of time lies between the minute you put some money away for a rainy day and the unexpected arrival of rain.

Auto insurance is a toll bridge, over which every honest driver has to pass.

A faithfully kept program of savings and conservative investments can give you more money and a better life than that of your neighbors who spend everything they get. This is probably the oldest financial advice in the world, but there are some things you can't improve on.

You don't date an annuity, you marry it. An annuity isn't a mutual fund that you buy today and sell tomorrow. Nor is it a certificate of deposit, ready for any new use at maturity. When you buy an annuity, you are making (or ought to be making) a 15- or 20-year commitment, at least.

Savings will not make you rich. Only canny investments do that. The role of savings is to keep you from becoming poor.

Life insurance can be numbingly complicated. Clients often turn off their brains and surrender their judgment to the very agent or planner who brought on their coma in the first place.