Usually when the salesman starts his pitch for life insurance, his spiel is about how the coverage will pay for funeral expenses and living expenses for the rest of the family usually for about a year. But here’s the kicker, it is not a stable investment in my eyes and you must wait for the person to die. I can understand this a little better when you are older. It is harder to convince someone in their 30s of this value.

So here’s what I came up with: instead of using that money for life insurance, invest it in a wiser way — toward a 401K, IRA or gold. Or better, yet a combination of the two.

I don’t think a lot of people realize that you can create a gold IRA, where you are investing in your retirement with the safest commodity around. In my opinion, it just makes sense that IRA gold will grow in value. There are so many flighty companies nowadays it is scary to sock away your future in one area. It will be super easy to do a gold IRA transfer, as well.

If you don’t have an IRA, be aware there are also gold 401k packages that are just as easy to set up. 401k gold is just another fantastic vehicle to invest your retirement savings in.

The idea behind my theory is that if you do die young, your family can use the proceeds from your IRA or 401K account to pay your funeral expenses and help them survive the transition period.

I have owned a credit card since I was 14 — a store card that required my mother’s signature to obtain, but nonetheless I had my own credit line and have worked hard to establish good credit. Who would have known I would then buy a house at the countries peak buying prices and then lose a job shortly thereafter with an adjustable rate loan? I sure didn’t anticipate it. So I’ve found myself researching a credit repair service I could investigate online.

It didn’t take long for me to come across The Credit People. I like how there is no obligation, how they have more than a decade of experience and how you can see results within 60 days.

I am upside down on my home right now and just barely scraping by to maintain, but I know in the next few years I will be looking to sell and buy a house that fits my family better and I want my credit to be golden by then. Meanwhile, I am taking steps toward this by The Credit People and another option: Repair Your Bad Credit. I especially like how they have more than 50,000 referrals. That says so much in today’s day and age.

If you find yourself in the same position as me please don’t hesitate to start looking around for ways to improve and repair your credit. It takes little more than the click of a mouse.

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