When you have a new hard drive, or when you're reinstalling Windows, the OS may ask you to format the drive. If given a choice, the two common modes are NTFS and FAT32. But what are those, and why would you choose one over the other? We break down the differences between FAT32 vs. NTFS..
Between the ages of 45 and 55, an annuity investor is usually able to take on more risk with his or her investments, as there will be more time to make up for any losses. He or she also has a number of annuity options that are suited for individual financial goals and risk tolerance.
People pay an insurance company a premium and are provided with a stream of payments. The savings grow tax-free and come with little to no risk. Unlike a 401(k) or IRA, there is no limit to the amount you may put into an annuity. Funds may not be withdrawn until you reach 59.5 years, or you will pay a penalty. If you need your money back sooner, most annuities have a surrender charge built in.