Of all the financial nightmares we can imagine, the one most people fear the most is being without an income for an extended period of time. I am sure that over half of all American families would experience financial stress if they lost their income for at least a month. And there are virtually no stop-gap measures to protect you from such a short window of deprived income.

If you are like me you probably have 3-10 credit cards that eat into your monthly budget. Why do we need so many credit cards? I don't know but once you get them all you find you are reluctant to use them.

You're looking at that bright, beautiful baby and you're thinking about the future. You imagine this lovely child standing up and walking, playing with friends, going to school, playing sports, graduating from high school, and going on to college....