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Dealer financing is convenient, but that convenience has a price. Understanding how auto loan markup works and when direct lenders beat the dealership can save you hundreds to thousands of dollars on your next car purchase.

Term life insurance provides pure death benefit coverage for a fixed period at a low cost. Whole life insurance combines a death benefit with a savings component at a much higher premium. For the vast majority of people, the math strongly favors buying term and investing the difference.

Homeowners insurance covers your dwelling, personal property, liability, and additional living expenses if your home becomes uninhabitable — but flood, earthquake, and sewer backup are typically excluded. Understanding what you have and what gaps exist is the only way to avoid a coverage surprise after a loss.

Most people review their insurance once — when they buy it. Coverage that was right three years ago may be wrong for your life now, and the difference shows up when you file a claim.

A working-age adult is statistically more likely to become disabled than to die during their prime earning years. Here is what disability insurance covers, what it doesn't, and how much you actually need.

Most people are over-insured in areas that cost them money and under-insured in areas that could cost them much more. Here is what to check and what to change.

Most people with life insurance don't know what kind they have or whether the amount is anywhere near enough. Here is what you need, how much, and why term beats whole life for almost everyone.

Most people pick health insurance by premium alone. That's usually the wrong call. Here's what the terms actually mean and how to choose a plan that makes sense for you.