There seems to be an abundance of activity on the financial literacy front. Vitt et al. (2000) identify 91 programs offered by schools, Cooperative Extension, colleges (including community colleges), the military, faith-based organizations, community groups, employers, and others. The National Endowment for Financial Education lists over 150 educational resources from a wide range of agencies, organizations, and firms in its Economic Independence Clearinghouse database; many of these materials are available in multiple languages. (more…)

There are several factors that contribute to the annuity return of payment:
1. Rate of return gained by the fund
2. Distribution procedure of funds to beneficiaries (can raise or lower your monthly annuity return) (more…)