A comprehensive publication with step-by-step worksheets for those about 10 years from retirement.

Questions to ask, tips and what to do if you run into problems.

Find out how to prevent identity theft, how to report it and if you can get a new Social Security number if you are a victim.

How to choose a company, an agency and a policy.

Practical help also for those dealing with a medical emergency, job loss or other major life events.

Answers to common questions about how Federal Deposit Insurance Corporation coverage works, what is not covered and what happens if a bank fails.

"We've got terrible times right now, but it's also a problem with confidence. You ought to be optimistic about the future," Bill Stanley said.

Some financial experts say it is not only a smart financial decision, but waiting before it's too late will cost a lot more.

Five suggestions to help those piled high with debt.