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The Wealthy Barber explains insurance in great detail.

1.  4 points-  The Wealthy Barber explains insurance in great detail.   Please explain how term and cash value policies work.  What is the benefit to a renewable and convertible policy?    Take the time to calculate for yourself how much insurance you need.   Consider calling around if you find that you need insurance.   (you do not need to post your insurance needs within the discussion board)  

2.  4 points- Roy talks about some of the advantages and disadvantages of home ownership.   When would renting be a better option for an individual?

3.  3 points-   There are many things that you can do to have and maintain good credit.   Discuss three things that you can do?

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Approximately 250 words