－ Keep your boarding pass, train, bus and taxi tickets.
－Get police report in case of robbery and traffic accident.
－Medical receipts should bear diagnosis.
－Get certifying letter from airline company for travel delay and loss of baggage’s.
－In case of any liability issue claimed against you, don’t try to settle or negotiate.

Nearly anything you might do with your money involves risk. The key is to understand, limit and manage risk in such a way as to accomplish your objectives no matter what happens. There is no investment that does not have one or more elements of risk. Yet, some of those with significant risk, such as real estate, common stock and closely held businesses, have the greatest potential for return. The only solution is to diversify, spread your funds around, carefully balancing one risk against another.

Academic studies conducted over the last twenty years have shown the asset allocation decision is the most important variable in controlling the return from a portfolio of securities. This means the importance of the percentage of your money invested in stocks, bonds, real estate, precious metals, cash, etc., may far outweigh the effects of the individual security decisions. Your asset allocation is more critical to your long-range portfolio goals than the individual securities choices that you have agonized over, time and again.

How Can an Income Annuity Protect Against the Risk of Living Too Long? The purpose of an annuity is to protect against the financial risk of living too long…the risk of outliving retirement income…by providing a guaranteed* income for life.

When the topic is money, few things command more attention than retirement planning. Despite all the time we spend thinking about our retirement income; few people are good at saving and planning for retirement.