It's been a long day. You're at home trying to relax when the door bell rings. Upon opening the door, a stranger hands you a packet of papers. The word "SUMMONS" jumps off the top page as the stranger’s voice declares “You’ve been served.”

Worker's compensation is designed to protect workers who are injured on the job or become sick due to conditions of their work. Generally there are three different types of compensation for any injury.

Have you, someone in your family or a close friend been forced to leave the job market prematurely due to physical or mental problems? Financial security becomes a major concern for those so afflicted. Social Security Disability may provide monthly payments for those who meet the Social Security Administration's strict guidelines.

Keep your old clunker or buy a new car?

It may clang and bang, but your despised old car may be the best bargain around.