To gain an understanding of annuities, we need to start at the beginning. In the year 1740, the Presbyterian Church began to use annuities in order to aid widows and the priestly order. The simple purpose of an annuity is to ensure that you have a sound financial back up during retirement. Today, there are different kinds of products sold by Insurance companies and agents.

By Dr Kristie Some people are reluctant to begin an exercise program, but when they finally make the commitment they give it 110% of their effort. While such motivation is laudable, exercising too vigorously or frequently can lead to a common problem in the fitness world – overtraining. Overtraining has