These insurance products offer the promise of guaranteed income, an attractive proposition for many retirees in a volatile market. Variable annuity sales rose 16% in the first quarter over the same period last year.  What’s an annuity? In simple terms, an annuity is a contract between a customer and an insurance company. The customer makes…

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If your tax return was a target, the bullseye would be $0. You don’t want a giant tax bill—that means you didn’t have enough money taken out of your paycheck for taxes. And that huge tax refund? That’s not free money—it’s your money, which you’ve been loaning too much of to the government throughout the year (with…

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