We obviously can’t predict a market downturn in advance, but we can certainly prepare for one.  With the markets in a bit of a doldrums the past month, that
      
            
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            Insurers have, in some cases, been raising the rates they charge as a result of the increasing likelihood of disasters, and in some places have stopped
      
            
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            Many of us find ourselves thinking about financial stability on a day-to-day basis. Given the current situation and the economic uncertainty we're now facing
      
            
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            What doesn’t get done can cause years of headaches, tens of thousands of legal expenses and family animosity.  Disorganized finances can cause a lot of wealth
      
            
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