To build a better future, you need to make an investment plan. The plan that is not only put some money after you’re retired, but also the plan that keeps growing up. Here are some investment tools that you could take advantage of in building a successful financial life :

1. 401K Plan – This is the easiest and fastest way to save some money for your retirement day. The money will be taken from your payroll, and usually you’ll never realize that you have it before until your retirement day. Make sure you have this 401K Plan. If you haven’t, open a new one.

2. Life Insurance – No one in their right mind will skip the life insurance. It is the best tool to protect yourself against any accidents that may occur to you. It will make your family more secure just in case you passed away and left your children and wife with nothing.

3. Stocks – This one is quite popular today. This investment tool allows you to buy some shares of the company, and they will pay you with dividends for it. This will require a good time of research to find the best company. But after you’re done, you could relax and let them grow themselves.

4. Bonds – Bonds is a promise note from a private company or government. You give them some money as a loan with interest for a number of years until they paid you back, in full. This is usually the lowest risk of investment tool and very useful for people who just starting to investing.

5. Mutual Funds – This is the investment tool that based in gains and loses of shareholder. One person will manage the money from several people or companies, and then spread the investment in several place to minimize the risk that might occur.

6. Money Market Funds – This is a short-term investment tool. You could get in and get out of the market along with your cash in a matter of minutes. You could act as an independent shareholder and manage your own money.

7. Brokered Certificates of Deposit (CDs) – This is an investment tool that require you to invest your money in a set of time. The benefit that you can enjoy from this CDs is that you could take out your money anytime you want without paying any penalty fees.

8. Real Estate – This is the most favorite investment tools all the time. Real estate investment could be your house, empty lands, or rental properties. Many investors love to use this investment tool because it’s steady and the properties price usually rising throughout the years.

No matter which investment tools that you choose, just make sure that you learn something about it first before you jumped off with both feet. You could also ask some advices from the expert in the fields regarding your investment tools before you start investing.

Banque PSA Finance SA, registered in June 2008 as the financial branch of French auto concern PSA Peugeot Citroen, is going to buy the above mentioned bank. German Deutsche Bank will be the financial consultant from the part of AIG, whereas the Russian unit of CMS will consult the French side.

Other terms of the transaction have not yet been disclosed.

It should be recalled that the net loss of AIG for the Ist quarter of 2009 decreased by 44 per cent and amounted to 4.35 billion dollars, while a year earlier the company recorded a net loss of  7.8 billion U.S. dollars. In doing so, the losses in terms of one share in the I quarter of 2009 amounted to 1.98 dollars while a year ago they were recorded at U.S. 3.09 dollars per share.

The company AIG has been one of the biggest victims of the world financial crisis. In autumn of the last year it was on the brink of bankruptcy, and the government had to actually buy back the entire company, spending tens of billions of dollars. Since then, AIG has begun to restructure, gradually getting rid of its units and moving to a less bulky structure of the company.

In April of this year AIG agreed to the sale of its insurance business named 21st Century Insurance Group to Swiss insurer Zurich Financial Services Group. Under the deal, one of the “daughters” of Zurich Financial will pay 1,9 billion dollars to AIG, of which U.S. $ 1.5 billion will be paid in cash and another 400 million dollars – in the form of debt securities guaranteed by Zurich Insurance Company, the principal operating unit of Zurich Financial.

Pharmaceutical Industry of the United States is prepared to spend 80 billion dollars over 10 years for the reform of American health care, which is being developed by the administration of U.S. President Barack Obama.
Democrat Senator Max Bokus has managed to negotiate with pharmaceutical associations on the bill on the reform to transfer part of program costs on the shoulders of businesses, passes Associated Press.
The agreement between the White House, lawmakers and the pharmaceutical industry should facilitate access to prescription drugs for millions of older Americans and reduce costs of the federal government.
B. Obama welcomed the agreement that was reached by the senator and pharmaceutical companies, describing it as a “turning point” in improving the national health system.
The current U.S. public health system, by the general view of American politicians, is imperfect and is in need of immediate reform. Approximately 46 million people in the country are not covered by a health insurance program, the budgetary costs of Medicaid and Medicare programs are growing at a daunting pace and the budget already has a huge deficit.
Congressmen, working on the reform bill, hope that the cost of the plan will not exceed 1 trillion U.S.