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There are two broad categories of annuity: fixed and variable. These categories refer to the manner in which the investment generates returns. However, within these categories are immediate and deferred payment annuities, for a total of four basic annuity types. Like most investments, the ins and outs of annuities can be somewhat overwhelming for t

Bonds are rated according to their risk of default by independent credit rating agencies such as Moody's, Standard & Poor's and Fitch. Those with lower ratings have higher risks associated with them that investors should consider. Due to increased risks, these bonds typically carry higher coupon rates. Issuers, such as consumers with less than

Choose one like you would a physician or lawyer. Get advice from friends and relatives who use an agent they trust. Since travel choices are personal decisions that reflect individual desires and lifestyles, you will want to visit or call several travel agencies to find the one that best suits your needs. Consider everything from the appearance of

In order to verify that someone owns the property he claims to own, your best resource is the office where the deeds are filed. You can also learn what liens are on the property and whether he has paid off his mortgage. If you'd rather not make a personal trip, call the office and see whether they offer online access to property information. If not

Real interest rates can indeed be negative. When real interest rates are negative, it means that the inflation rate is larger than the nominal interest rate. Measuring the real interest rate lets investors determine if they are actually making money and growing purchasing power on an investment. If the real interest rate is not larger than inflatio