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Terry Savage’s Archives

Below you will find the columns terry has written by date.

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Outliving Your Life Insurance

October 02, 2018

Will you live to be 100? Will your life insurance live to be 100? Those are not idle questions. Many people who have paid for whole life and universal life policies for many years are finding that even if they are current on all their payments, the policies will “end” or “endow” at age 95..

FAFSA Time, Again!

September 25, 2018

Ready, set, borrow! The annual race to score money to pay for college starts October 1, when the new FAFSA (Free Application for Federal Student Aid) becomes available for the 2019-2020 school year. And since much of the money is given out on a first-come, first-served basis, it pays to get going right away. After..

Free Credit Freeze for All

September 18, 2018

More than a year has passed since the massive data breach at Equifax that put highly sensitive information about 148 million Americans at risk. It sent many people scrambling to “freeze” their credit reports or place fraud alerts and subscribe to credit monitoring services. No major criminal use of that data has been reported in..

Financial Match-making Service

September 11, 2018

Could I match you up with a financial adviser you could trust — one who would give good investment and planning advice — and who would put your interests first and fully reveal all incentives, fees, costs and commissions? In other words, could I hook you up with a true fiduciary who has a long..

How to Save for College

September 05, 2018

Last week I wrote about the importance of having a family discussion about the realities of college costs. The time to do that is when your child starts high school. That’s when you can set realistic expectations about the costs of college, the impact on the family’s finances, and what children can reasonably expect in..

Re-Thinking College Costs

August 28, 2018

Now that students are back in school, it’s time for parents (and grandparents) to take a breath and gain some perspective on the costs and benefits of a college education. Yes, college will pay off in the long run. But you may be doing yourselves and your children a disservice with magical thinking about how..

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