life insurance

Do I Need Life Insurance?

We’ve all heard about the importance of having life insurance, but is it really necessary? Often, the answer is “yes,” but it depends on your specific situation. In general, you should consider life insurance protection if any of the following applies to you: You are married and your spouse depends on your income You have…

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How to Avoid Capital Gains Tax

Paying tax is an unavoidable reality of life. While tax dollars may fund important social programs, infrastructure, and services throughout society, that knowledge doesn’t always soothe the burn left behind by a big tax bill. Capital gains tax (tax that is due when a capital asset is sold for a profit) is often one of…