Tim Boychuckwww.timboychuck.com

Everyone could likely use life insurance at some point, but did you know that one in two Americans will need prolonged medical and personal assistance at some point in their lives as well? That's a fifty percent chance! With those odds, plus the very high costs of long-term care, the best time to think about helping protect your loved ones and your future is now.

Residential fires caused by candles have more than doubled over the past decade, according to the National Fire Protection Association Journal article.

Each year, about 1.5 million animal-vehicle collisions cause about $1 billion in damage, according to the Insurance Information Institute for Highway Safety (IIHS).

Cell phone units that allow the hands to be free offer no safety advantage over hand-held units.

Some insurers increase premiums for cars that have higher rates of damage or occupant injury. And cars that do better in safety tests? They're more likely to get you lower rates.