Many financial experts consider life insurance to be the cornerstone of sound financial planning. It can be an important tool in the following situations:

1. Replace income for dependents If people depend on your income, life insurance can replace that income for them if you die. The most commonly recognized case of this is parents with young children...

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To obtain a Class M (Motorcycle) license in the state of Pennsylvania, an individual must pass a basic motorcycle knowledge test and apply for a Class M learner’s permit. The learner’s permit allows the applicant to ride only between sunrise and sunset and, except for a rider licensed to operate another class of vehicle, only while under the instruction and supervision of an individual who holds a Class M license. Class M permit holders cannot carry any passengers other than an instructor properly licensed to operate a motorcycle. The permit is valid for 1 year. The cost of the permit is $10.00. Read the rest of this entry »

Motor vehicle crashes are the leading cause of death for U.S. teens, accounting for 36% of all deaths in this age group (CDC 2006). However, research suggests that the most strict and comprehensive graduated drivers licensing programs are associated with reductions of 38% and 40% in fatal and injury crashes, respectively, of 16-year-old drivers (Baker et al. 2007). Read the rest of this entry »

College students who live off-campus should strongly consider purchasing renters insurance, according to Pennsylvania Insurance Commissioner Diane Koken. Read the rest of this entry »