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6 Time Management Tips for Moms
6 Time Management Tips for Moms Many of you have expressed the challenge of not having enough time to accomplish all your needed tasks and not being organized. Having good organization and management skills is absolutely imperative to your...
Are you like millions of Americans struggling to manage their debt - Debt Management can help
Are you like millions of Americans who are struggling to manage their debt effectively? Well, you don’t have to be! Debt management is important to understand so sit back and learn something new today. There’s nothing to be ashamed or embarrassed...
Collective of Concepts to Better Understand your Project Management [0727]
Collective of Concepts to Better Understand your Project Management [0727] Publishing Guidelines: You may publish my article in your newsletter, on your website or in your print publication provided you include the resource box at the end....
Money Management
There are a number of ways that people can use to manage money to stay out of debt and even establish savings over time.
Establish a Budget
The first, and maybe the most important step, is to set a budget for yourself and stick by it. Take a look...
Why Asset Management Is Not A Get Rich Quick Scheme
When you are considering asset management consider what it takes to learn the field before you attempt it yourself. What I mean by asset management is more complex than just balancing your check book (although that is part of it). I mean your...
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Conservative Investment Management Pays for This Firm
It is genrally not a good idea for an independent financial adviser to endorse specific companies or products by name and this article is not intentionally written as an endorsement. But when another industry magazine printed an article sub-titled “American Skandia’s Stroke of Genius” for viewing by financial professionals only, it seems apparent that the outstanding actions of this company deserve further comment in public media.
In short, variable annuities are insured stock accounts where a private insurance company guarantees that investors will not lose money. That guarantee can be expensive to insurance companies, especially when the stock market perfumes poorly as is has in the past few years.
Some variable annuity companies are facing significant losses from these guarantees, to the point of threatening the financial stability of some very popular names in the financial services industry. But one of the
largest issuer’s of variable annuities, American Skandia, has been able to avoid this financial risk through the use of unique but fundamentally sound investment management and accounting. In other words, by setting up automated systems to automatically manage money more conservatively during periods of declining stock prices, American Skandia has significantly outmaneuvered the market and avoided risk for its investors.
American Skandia is one of the few investment companies that offers a no-load account without investment commissions through independent investment advisers. It own distribution costs are minimal because the company does not maintain an internal sales force, but relies instead on the recommendations of independent financial advisers.
About the Author
Tony Novak is an independent writer and financial adviser in Narberth PA who provides OnlineAdviser services through MedSave.com and FreedomBenefits.org
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