It’s always a good idea to have a will, regardless of your situation (financial, medical, etc.). In fact, I'd say it's imperative to have a will because it's the set of instructions or directions you're leaving for the courts for how to deal with all your 'stuff'. Without a legally binding identifier that indicates where your assets are supposed to go after you pass, you risk... the state claiming it your surviving family fight over it Generally speaking, the beneficiary listed on your accounts will trump who’s listed [...]

According to Gallup, this Christmas individual Americans intend to spend an average of $932 on gifts. That’s up nearly $100 over last year. Are people planning to spend more because they have more money in their pockets? Not exactly. Over the past year Americans have been relying more and more on credit to make ends meet. According to an analysis of Federal Reserve data by WalletHub, in the second quarter of this year alone credit card debt increased by roughly 6% compared to the previous quarter. [...]