Have you ever been given a sales pitch from your stock broker, insurance agent or banker for a product or service? Chances are you have and though many of the products being offered may sound appealing, it is often difficult to know whether it is the best option for your situation. So, how do you know if something you hear about is right for you? Many of the products and services being offered today are based on factors that you have no control over such as with stock market returns. When your money is left to an old buy, hold and hope philosophy it may leave you uneasy and insecure about the...