Make Your New Year’s Resolution to Stop Using Tobacco

Make Your New Year’s Resolution to Stop Using Tobacco

While quitting smoking can be difficult, the American Lung Association provides resources and tips make this year’s New Year’s resolution a success.

In fact, the American Lung Association recently offered some encouragement to people who may be wavering on the resolutions to quit smoking that they may have made several months ago. A survey from the organization finds that 60 percent of smokers were not able to quit on their first try and instead required multiple attempts.

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Questions to Ask Before Buying an Annuity

Questions to Ask Before Buying an Annuity

An annuity is a life insurance product that pays periodic income benefits for a specific period of time or over the course of your lifetime. Annuities are long term investments. They can allow you to save money on a tax deferred basis or provide you with retirement income immediately, and they protect you against outliving your assets. There are several different types – some provide a guaranteed fixed income and others invest in the stock market and provide a variable income. While annuities can be a great choice, they are not for everyone.

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