No well-planned retirement should be without long term care insurance. It is the very cornerstone of retirement security.

You are to set your own value, communicate that value to the world, and then not settle for less. Sound daunting? That's just because it takes you out of your comfort zone. You have got to stop being an obstacle on your own path to wealth and security and happiness. You must understand that valuing yourself is well within your control.

The advantage of online banking is that you can pay bills superfast, and your account is automatically credited or debited for each deposit and payment, making it easier to stay on track.

We each focus on what we're going to buy, but that's an incorrect focus. Focus instead on why you want to spend the money on this or that. What feeling in you does it satisfy?

You have to see every potential roadblock as an opportunity and a benefit.

Make it a priority to have at least eight months of living costs set aside in a federally insured bank or credit union account.

No one's ever achieved financial fitness with a January resolution that's abandoned by February.