People in todays economy are all in the same boat. They all have debt, and they all need a way out. With the economic conditions that are present today, people are relying on credit to live their life. Although the government is attempting to help aid citizens, their debt grows tremendously and so does our debt. This is unacceptable and nobody is doing anything to stop this huge dilemma.With such widespread debt issues, it can be very easy to...more
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Annuities are investments for retirement. Two words that go hand in hand with annuities and are important for you to remember are the terms accumulation and annuitization. You start in the accumulation phase. This begins from when you invest your money or buy into the annuity. After your account has grown for several years you can choose to receive payments from your annuity for your lifetime or for a specific number of years. This is known as annuitization. What Types of Annuities Are Available? Most companies offer three types of annuity contracts to their customers. Variable Annuities A variable annuity is a contract with various subaccounts. These subaccounts may offer a varying degree of growth potential. Similar to mutual funds, these accounts can make large gains if they are based on aggressive funds or accumulate less money if based on more stable funds. The gains or losses you achieve in a Variable annuity reflect the performance of the underlying stock or bond indices. You can switch your money between subaccounts for a fee. After annuitization, your payment amounts will change depending upon how the growth fund is performing. Some companies offer a fixed...more
A friend of mine was thinking of starting a cleaning business and she asked me what types of liability insurance she should consider. Here's the advice I gave her...Since she was starting out by herself, she would likely be considered an independent contractor. Contractors need insurance just like any other business that deals with clients and...more
While having your child play in football competitions is a source of great pride, it is also a source of great responsibility. Most parents of young footballers are required to pay special attention to children's football kits because kits are a major part of any football team. In the olden days, buying football kits used to involve scouring the...more
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While most people will tell you to just eat healthier and stay away from fatty food this is only part of what it takes to lose weight. This is good advice but there is to it than that. I will give you some tips to get started.It can be frustrating...more
These days, one doesnt often associate girls and tradition, but one tradition that has lasted well beyond feminism and all its offshoots is the girls jewelry box.The girls jewelry box transcends its stereotypes. Today there are as many different...more
I dont want to study now, do you get that? This kind of statement is used by those kids mostly who are stubborn by nature. Many of the kids are seen to scream and throw tantrums when things dont go their way. As compared to adults, children are big...more
Theres just one thing online interior designer entrepreneurs like me love more than cupcakes and thats being at the vanguard of the evolution of an entire industry. Every industry has had its challenges when it comes to evolving to better serve its...more
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