History has demonstrated that if you're patient, over time you can reap substantial rewards from financial markets, assuming that you've invested wisely.

As they age, many people naturally begin to focus on their wills. While planning your bequests is always a good idea, people often overlook a crucial option: Instead of using a simple will, use a will with a built-in trust. In many cases, with the guidance of a qualified attorney, a trust can be more effective than a simple will in achieving your estate goals, and provides far more flexibility for changing life circumstances.

From the time we begin to conceptualize how money and finances impact every facet of our lives, we are also faced with the uncomfortable realization that no one likes to talk about money. Issues surrounding finances and money are among the primary catalysts for family arguments, marital problems and divorce, failed business partnerships (no surprise there), and even dissolved friendships. So, why, if we know how important these issues must be to most of us that they result in so many ended relationships, would we not begin to address the root cause of these problems? Poor communication.

For most people, the best reasons to own a home have little or nothing to do with whether it's a good financial investment. Everyone desires a comfortable place to live and raise their family. Which house you choose, and how you pay for it, is not just an investment. First, it's a lifestyle choice.