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The steep downturn in the markets has hit senior citizens the hardest. Many of them have seen the value of their portfolios plummet, at a time when they need their money the most.An elderly widow I will call Mary is one victim. Her husband died a few years ago, leaving Mary, in her early eighties,...

We are doing a terrible job saving for retirement. The median 401(k) plan balance is a paltry $18, 986!While there is raging debate over how much you need to save in order to retire with dignity, everyone would agree that most Americans are falling far short of achieving this goal.So how much do...

This post is part of a series where personal finance expert Dan Solin provides 10 insurance tips no one else will tell you. See all 10, plus one bonus tip! What if you had an uncle who was an expert in all aspects of the insurance business? He was retired and no longer sold any products.What a...

This post is part of a series where personal finance expert Dan Solin provides 10 insurance tips no one else will tell you. See all 10, plus one bonus tip!Ratings are often bandied about as the standard by which you should select an insurance company for cash-value insurance (often called...

This post is part of a series where personal finance expert Dan Solin provides 10 insurance tips no one else will tell you. See all 10, plus one bonus tip!If you knew the data, you would take a hard look at disability insurance. Now is the right time since you probably don't have any disability...

This post is part of a series where personal finance expert Dan Solin provides 10 insurance tips no one else will tell you. See all 10, plus one bonus tip!I agree with the traditional advice that term insurance is appropriate for most people. It is relatively inexpensive if purchased at a young...

This post is part of a series where personal finance expert Dan Solin provides 10 insurance tips no one else will tell you. See all 10, plus one bonus tip!When it comes to buying auto insurance, the focus is mainly on the premiums.Premiums are important. Fortunately, there are many web sites that...

This post is part of a series where personal finance expert Dan Solin provides 10 insurance tips no one else will tell you. See all 10, plus one bonus tip! I am for universal health care. The present system -- which leaves almost 50 million Americans (16% of the population) uninsured -- is a...

This post is part of a series where personal finance expert Dan Solin provides 10 insurance tips no one else will tell you. See all 10, plus one bonus tip!I know it sounds counter-intuitive.Children don't earn income and singles typically have no dependents. Since the primary purpose of life...

This post is part of a series where personal finance expert Dan Solin provides 10 insurance tips no one else will tell you. See all 10, plus one bonus tip!Let's say you have determined that you need "permanent" insurance. Probably, you made this decision because you are convinced that you will hold...