investment portfolios that consistently deliver higher returns than market indices and the majority of mutual funds, especially in bear markets. Estate Planning includes setting up living trusts and minimizing estate taxes to keep investments in line with the stock market while guaranteeing principal.

an all-time low, now is the perfect time to take advantage of the market. Sue Bounnharaj is, save money on utilities, make their lives more energy efficient, and live an eco-friendly lifestyle. Sue and