Who needs life insurance?  Answer: Just about everyone.  If you’re just married and have kids, life insurance will ensure your spouse and children are provided for. If you and your spouse just bought a house, life insurance means that the mortgage payments will continue and your spouse won’t lose your house. If you are a small business owner, life insurance extends similar protections over your partners and employees.  If you’re concerned about leaving your debt to a...

When it comes to winter weather, the only thing worse than the snow and the cold is ice. We tend to worry most about ice when it comes to road conditions and walking out to our cars, but ice can also do serious damage to our homes in the form of ice dams.  And yes, they are as bad as they sound.  Ice dams form when heat evaporating from your roof melts the snow on top of it. When the snow refreezes, it becomes an ice dam, usually forming at the edge of your roof. Ice dams ca...