Author: Ken Fisher, Special to USA TODAY

Knowing how companies price life insurance is key. Rates boil down to age, health, type and term, desired payout, gender and lifestyle.

Someday you may need to sue someone, and you’ll need a good lawyer with the right experience. Here’s how to find one.

Fact: Retirement saving is simple, like losing weight. Sadly, like with shedding pounds, most people just won’t do it.

HSAs are tax deferred, and you can invest the funds. Growth isn’t taxed, and withdrawals used for qualified medical expenses aren’t taxed.

The financial industry bombards us with complicated analysis and unnecessarily intimidating jargon. How can you simplify it to what matters?

What makes companies like Coca-Cola and Merck endure? It’s a culture thatstays restless. You need that same attitude to build your career.

Everywhere I look, people seek negatives and ignore positives. When that happens, better times lie ahead for the stock market.

Consider these indexes, the LEIs and PMIs. They show global expansion.

December was bad for stocks, but it’s over. Stocks always bounce after extreme nasty stretches. And they do so in a near perfect V-shaped pattern.

I was too optimistic in 2018. That makes me even more optimistic for 2019. When most folks expect bad times, stocks usually shine the following year.