You may be in perfect health, and the thought of how your final expenses will be taken care of is the furthest thing from your mind. But, it’s never too soon to start thinking about taking care of your family should you pass. How will your home be paid? And your unpaid credit card bills? What about your burial expenses? Will your family be able to take care of all these things themselves?

One of the most aggravating thing about owning credit cards is the calls every couple of months offering me ‘valuable services’ These services range anywhere from credit protection to accident insurance to term insurance and so on. Of course I made the mistake of putting my home phone number on a couple of the applications, but I quickly learned my lesson and now I only put my work number or no number at all.