Wayne Hemrick

A self-directed IRA that holds real estate, also referred to as a "real estate IRA," is becoming an increasingly popular way individuals are choosing to diversify their retirement portfolios.

In a 401(k) plan, your account balance will determine the amount of retirement income you will receive.

Many 401(k) providers use terms such as "open architecture 401(k)" and "fee disclosure" in their marketing efforts, but what do those terms really mean?

A self-directed IRA allows you to invest in a broad range of investments and gives you ultimate control over all your investment decisions.

Many courses offer less expensive tee times during the middle of the day, for example, or golf tee times later in the evening, which can also be called twilight golfing.

As part of the attractions that they offer, they will typically post when they are having golf specials for daily games of golf, as well as golf deals for tournaments and events.

You can also meet new golfers in your area and join a golf-related group through golf social networking sites. In this way, you need never golf alone again if that is your desire.

Another great feature is that most of these golf groups are free to join, which makes it affordable for everyone to participate.

Tour, and today's course has been revamped and renewed to enhance the game played to an even greater extent than in previous years.

You will also often have the ability to join and form groups, so that if the golf network does not offer a specific fantasy golf league, you may be able to start a fantasy golf game on your own for fun.