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Personal Loans and Credit Card Payoffs - What You Need To Know

With credit card interest rates ranging between 11% and 22%, it’s no wonder people are looking for alternative ways to manage and pay off their credit card debt. This is where a personal loan might come into play; using a personal loan to pay off your credit card debt can help you manage your overall debt once and for all, if you know how to navigate the pitfalls.

Immediate and Deferred Annuities: Making Both Work for a Secure Retirement

Annuities have a long and historic lineage dating back to ancient times when Roman citizens and soldiers would receive an “annua”, or annual stipend, from the government in exchange for a lump sum of money.

Keeping your Credit Safe – Are Credit Monitoring Services the Answer?

We learned from legendary bank robber, Willie Sutton that the reason he robbed so many banks was, as he put it, “obvious ... you go where the money is and you go there often.”  Today, the real money exists not in banks, but in cyberspace among the trillions of bits and bytes that hold the keys to the massive digital vault guarding our most sensitive personal data.

Are Investors Their Own Worst Enemy?

When it comes to investing, people can be their own worst enemy. Nearly all of the mistakes made by investors can be attributed to their behaviour, which is typically dictated by their emotions. Fear and greed have ways of influencing the investing decisions of even the most rational people; which is why most investors typically underperform the markets.

Record Keeping in the Cloud – is it Safe?

As our lives become more intertwined with the Internet it may be only a matter of time before all of our important data is stored in this vast “cloud” of bits and bytes.  Most people are well on their way with online banking and bill paying, e-tax filing, email, document storage vaults, Social Security information, and soon we will be making payments using our smart phones.&nbs

When Should I Change My Life Insurance Coverage?

The one thing of which we can all be certain of, is change.  Life happens every day and, as a result, we are constantly assessing our situation and changing our course, usually by making small adjustments.  A life insurance purchase is one of the few decisions we make with a more long-term perspective.

The 4 Essential Elements of a Retirement Plan

Until recently, many retirees have been able to rely upon the three-legged stool of retirement income sources: a defined benefit pension plan that guarantees a lifetime income, their own savings, and the Canada Pension Plan.

Does Your Portfolio Embrace Market Volatility?

Many investors, especially those still reeling from the 2008 – 2011 stock market roller coaster ride, have developed a low tolerance for volatility. As a result they have moved a significant portion of their investments into bonds or other fixed yield vehicles.

Does Your Portfolio Embrace Market Volatility?

Many investors, especially those still reeling from the 2008 – 2011 stock market roller coaster ride, have developed a low tolerance for volatility. As a result they have moved a significant portion of their investments into bonds or other fixed yield vehicles.

The Daily Choices of Financial Freedom

If given the choice, most people would choose financial freedom over financial servitude. Who doesn’t want to be financially independent, having your money work for you, as opposed to you working for your money?

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