Annuity Immediate Quote

I am in need of a tax attorney to quit claim my home to my brother due to IRS tax implications 3 years ago!?

Editor — Fri, 12 Mar 2010 00:02:15 +0000

Does anyone have a tax attorney resource that could help in the Seattle Wa area?

need help with the future value of an annuity?

Editor — Thu, 11 Mar 2010 23:23:41 +0000

I’m going back to college after 10 years so it’s been forever since I’ve had to do an annuity problem lol and I need a little help, I think I’m having problems with the fractions…
Here’s the problem -

Find the future value of the following annuity due:

Payments of $2310 for 7 years at 10.2 % compounded annually

Is it a fact that annuities sold to residents of Arkansas are insured by the State up to $300,000?

Editor — Thu, 11 Mar 2010 17:15:26 +0000

Are Wentworth and Endicott hard colleges to get into?

Editor — Thu, 11 Mar 2010 17:15:24 +0000

Tips and information about the schools can be helpful too, thanks!

When a person retires and the annuity start paying out what is the tax liablity for the company?

Editor — Thu, 11 Mar 2010 16:22:44 +0000

I am studing for the state exam. Just need a little help from some one.

can you liberals please explain this to me?

Editor — Thu, 11 Mar 2010 15:21:31 +0000

Is the Reagan Era Officially Over?

Sen. Chuck Schumer has called the recent Democratic takeover of Congress the end of the Reagan era.
Friday, December 1, 2006
Star Parker – Scripps Howard News Service

Sen. Chuck Schumer has called the recent Democratic takeover of Congress the end of the Reagan era.

If we believe a red flag that the Wall Street Journal has run up about a possible Republican capitulation with the new Democratic majority on Social Security reform, our own Republican president might prove Schumer right.

The Wall Street Journal, and other sources, now report that the Bush administration is expressing openness to forget the idea of private ownership as the basis for Social Security reform, and to work with Democrats to “save” Social Security as it is with tax increases and benefit cuts.

Badly needed reform of our wounded and limping Social Security system has been seriously hampered by what I call the politics of cynicism.

These politics are driven by politicians primarily motivated by protecting their own power and interests as opposed to those of their constituents.

What’s my proof that Social Security reform is driven by this cynical brand of politics?

No one could possibly argue that Social Security is a good program today. If we did not have it, and any politician tried to propose it and get it passed, he or she would be laughed out of Washington.

Social Security is a unique government program in that every taxpayer can personally evaluate it by asking the simple questions – What am I paying, What am I getting, and Is it worth it?

The Heritage Foundation’s Social Security calculator tells me, for example, that a 25 year old male earning $31,000 can expect, based on the Social Security benefit he’ll receive, almost a negative one percent return on the money he puts in over his working life.

If he purchased a diversified portfolio of stocks and bonds over this same period with this same amount of money, this guy could get an annuity five to six times greater than this Social Security benefit. But even a bank CD would produce a monthly payment that could double Social Security.

There are other relevant points that anyone who has been following this debate can recite. With a private account this guy owns his money. Under Social Security, he doesn’t even have a legal right to the benefit. Which is material because the government is constantly changing the rules.

Can you imagine getting a letter from your bank or broker saying they are lowering the return on your investment because they can’t afford to pay you what they promised?

But, this is what is about to happen, again, with Social Security.

Not only are the returns to taxpayers negative, but they are guaranteed, beyond any question, to get worse. The system is bankrupt and can only continue in its current form through some combination of tax increases and benefit cuts. Which will drive what individuals get for what they put in even further south.

Why, then, does there seem to be a political consensus to save this monstrosity?

Politicians will tell you it’s because the American people want it. The polls say so.

And indeed they do. But the fact is taxpayers support this status quo out of fear and not knowledge.

Certainly, no sane individual would buy a program that has the personal investment economics that I just described.

When President Bush proposed changing the program to one of ownership and private accounts, the Democratic Party launched major league into the politics of cynicism. The message that working Americans heard was that they would be kicked off a government program guaranteeing them a payment at retirement in exchange for taking their money and investing it in the stock market.

Is it any wonder that many dived for cover?

I call this the politics of cynicism because there is not a single Democratic senator or congressman who would purchase an insurance policy with the type of legal and economic realities of Social Security. Shut the door and one by one they know the truth.

The Democrats’ campaign to “save Social Security” has really been a campaign to save their own butts.

To have endorsed the president’s reform would have been an endorsement of a fundamental move away from welfare state politics that has been the bread and butter of the Democratic Party.

Now, playing on fears and not the real interests of working Americans, and the inability of Republicans to stick to and sell their message, the Democrats have won.

The real victims are the low and middle income Americans whose hard earned money is being sucked into this black hole that will only get deeper and blacker. This is happening while Democrats bewail wage and wealth stagnation at the lower end of our income spectrum.

Is a Republican White House, for fear that it will look like it did nothing on Social Security, about to join Democrats in the ranks of the politics of cynicism?

The Reagan era is still alive for this writer. Let’s hope it’s still alive in the Bush White House.

Photo Copyright Getty Images

Copyright Scripps Howard News Service 2006
you want Bush to “work” with you but you pick the things you your self think is stupid and nobody would do. you just want to make sure the service state stays in tact is how I read it but Im a stupid conservative.
obviously not one of you read this….

Guaranteed Income for Life: How Variable Annuities can Cut Your Taxes, Pay You Every Year of Your Life, and Bring You Financial Peace of Mind

Editor — Thu, 11 Mar 2010 13:21:19 +0000

Product Description
“One thing is for certain: Variable annuities have become a part of the investment landscape and show no signs of going away.”–The Wall Street Journal. The investing public’s love of variable annuities has soared so high that The Wall Street Journal started a weekly column on annuities, “Annuity Watch.” The reason for the popularity is simple. Variable annuities give investors the opportunity to receive money every year of their life, no matter how long they live. Guaranteed Income for Life explains the benefits of variable annuities. this informative book: Shows specific ways that variable annuities can help investors achieve lifelong financial security; Proves how variable annuities are in many ways superior… More >>

Guaranteed Income for Life: How Variable Annuities can Cut Your Taxes, Pay You Every Year of Your Life, and Bring You Financial Peace of Mind

Retirement plan?

Editor — Thu, 11 Mar 2010 13:21:17 +0000

I’m 33 years old and make 33.000 a year. I’m married, but my husband only works part-time, so his income is not always the same.
I’m a permanent resident so if decide to go back to my country, can I keep contributing towards the IRA? I’m confused because in the bank they told me yes and when I contacted fidelity they said no way!
What is the right option for me?
I do want to start a retirement plan but I don’t want to loose the money if I moove to another country or start another one…

Any suggestions?
Thanks for you help!

Questions and Answers on Life Insurance: The Life Insurance Toolbook

Editor — Thu, 11 Mar 2010 13:21:16 +0000

Product Description
During your life, you’re likely to make important choices that will affect you for years to come: determining the best community, buying the perfect house, and starting a new family. Purchasing life insurance falls into the same category. But selecting the right policy isn’t easy, especially when you’re faced with a constant barrage of commercials and brochures from competing life insurance companies. With twenty years of experience in the life insurance business, Anthony Steuer delivers a practical, one-of-a-kind resource to guide you through the basics—and the finer points—of life insurance and to help you choose the policy that is just right for you and your family. Using a simple question-and-a… More >>

Questions and Answers on Life Insurance: The Life Insurance Toolbook

Is using an immediate annuity and investing in mutual funds the best of both worlds for an early retirement?

Editor — Thu, 11 Mar 2010 13:21:14 +0000

Lately, I’ve been thinking much about an early retirement. Have worked over 20 years in the same company. Plus, always good to prepare as I’ve seen friends and family get an early retirement forced upon them. I was thinking about using an immediate annuity (along with a pension) for a guarenteed income stream. However, since a regular income wouldn’t keep up with inflation, I’d definitely still want to have money invested in mutual funds too.

Let’s say the annuity plus penison brings in about $50,000 a year, with about $400,000 left in other investments and a Roth IRA about $50,000. Also, no mortage in home, no dependents to provide for. With $50,000, some of that can still be used to continue investing in mutual funds even in retirement. Thus, if a bear market comes along, it’s comforting to know there is a steady income stream.

Would that combination of annuity and mutual funds be the best of both worlds for a stress free early retirement?

Please explain the difference between variable rate, immediate, fixed, and index annuities?

Editor — Thu, 11 Mar 2010 13:21:12 +0000

These would be invested with IRA funds. I am 70 years old.
Which type would be the best for me?

Regarding annuities, you can either make one lump-sum payment to purchase a single-premium annuity or make ong

Editor — Thu, 11 Mar 2010 13:19:06 +0000

1: Regarding annuities, you can either make one lump-sum payment to purchase a single-premium annuity or make ongoing contributions to a flexible-payment annuity.
True
False

2: An immediate annuity is a financial vehicle that can provide guaranteed income for a short period of time only.
True
False

3: Your name, place of residence, and a brief description of your assets are typically part of what is included in a will.
True
False

4: Two of the most important items included in your will are naming a guardian for minor children and naming an executor.
True
False

5: A dying will is a separate document from your will that lets your family members know what type of care you do or don’t want to receive should you become terminally ill or permanently unconscious.
True
False

6: It is generally a good idea to keep emergency items in a safe deposit box.
True
False

7: Does FDIC insurance cover the contents of a safety deposit box?
Yes
No

immediate needs annuity?

Editor — Thu, 11 Mar 2010 13:18:52 +0000

Can someone please explain, in lay terms, what an immediate needs annuity is, and how it relates to paying for care homes.

Should I purchase an immediate annuity at my age 77, or perhaps long term care insurance? Income $2000 month?

Editor — Thu, 11 Mar 2010 13:18:34 +0000

Or, should I buy an immediate annuity? Home value $200,000, mortgage free. CDs $150,000. Paid-up burial policy and $5,000 life insurance policy. No debts except usual household expenses and home maintenance. Disabled son lives with me.

Has anyone ever dealt with an Immediate needs annuity or CFPP (Care fees payment plan).?

Editor — Thu, 11 Mar 2010 13:18:10 +0000

I’m trying to find out wether they are any good. If they are, who does them?
I know you pay a lump sum and in return get payments for care for the rest of life (lump sum being approx 4 to 5 x the annual payment).
Where can I get more independant advice?
Thanks

O’Neill John Hancock boys thermal L Brown

Editor — Thu, 11 Mar 2010 09:00:44 +0000

Boy’s long sleeve screenprinted thermal shirt.

Product Description
Boy’s long sleeve screenprinted thermal shirt…. More >>

O’Neill John Hancock boys thermal L Brown

child support question?

Editor — Thu, 11 Mar 2010 07:09:31 +0000

I hope someone can resolve this question.Me and my significant other have been together for 17years we are not legally married.We went to a tax auction in our state of washington state the pacific northwest.We bought property and put the property in both of our names.We just put the property up for sale.My question is my significant other owes back child support. His son is in college now but still owes back child support.I need to know if and when we sell this property will there be a lein on the property because his name is on the property as one of the owners.and will they take out the back child support when we sell the property.We are selling the property on our own but if the buyer wants to go through a title company will this back support be taken out.We live in western washington near seattle

Annuity help?

Editor — Wed, 10 Mar 2010 23:22:34 +0000

I know the definition of an annuity and I comprehend what it is, but where do they come from? Like after you retire, does your 401k turn into an annuity?

What is downside of variable annuities? We have money in a fixed annunity but it is performing poorly.?

Editor — Wed, 10 Mar 2010 18:05:30 +0000

The advisor selling the variable annuity makes it sound too good.

Head Case: Season 1, Vol. 1

Editor — Wed, 10 Mar 2010 18:05:29 +0000

Description
Meet Dr. Elizabeth Goode, Ph. D (Alexandra Wentworth), a brash and judgmental therapist who uses her own unconventional methods of therapy to treat the elite of the entertainment, sports and music industries. Her unique brand of treating the celebrity psyche has made her the “it” therapist in Hollywood and NY with an undeniably thriving practice. Rosanna Arquette, Andy Dick, Ione Skye, Lea Thompson, Richard Kind, James Denton, David Alan Grier, Greg Grunberg, Monica Potter, Joel Madden, Christopher Lloyd, Jason Lewis, Jonathan Silverman, Jennifer Finnigan, Ahmet Zappa, Trudie Styler, Cindy Margolis and Jeff Goldblum guest star as themselves in this Starz Originals series that the New York Post hails as “unscripte… More >>

Head Case: Season 1, Vol. 1

Lab 5 Question 4 – Coupon rate, Finance question?

Editor — Wed, 10 Mar 2010 14:25:24 +0000

Below is the question- I just cant seem to figure out how to show for the rates given below as solution using a BA II calculator or any other financial calculator. Does anyone know how to solve for the rates using a calculator?

Bentley Inc. has bonds on the market making semiannual payments, with 12 years to maturity, and selling for $1,200. At this price, the bonds yield 20 percent. Note: default value for face value is $1000. What must the coupon rate be on Bentley Inc.’s bonds? Round your answer to two decimal places

The correct answer was: 24.45%

As the bonds make semiannual payments:
Time to Maturity = 12yrs × 2 = 24 years
YTM = 20% / 2 = 10%

Let’s denote C as the coupon paid each period
Bond value = [Annuity present value of the coupons] + [Present value of the face amount]
1,200 = $C × (1 – 1/1.1024)/0.10 + 1000/1.1024

Solve the equation, we get C = 122.26. Therefore, coupon rates = 2 × 12.23% = 24.45%

Thanks

Did John Hancock write any important documents?

Editor — Wed, 10 Mar 2010 10:00:45 +0000

Does anybody know if John Hancock wrote any documents or pamphets before the signing of the Declaration of Indepedence? Even something small or insignificant. I’m having trouble finding anything on the internet. Or if anyone knows any internet sites that might say. Thanks.

What monthly payment is needed to make an ordinary annuity obtain $200,000 in 30 years at 9.75% interest?

Editor — Wed, 10 Mar 2010 07:23:53 +0000

What monthly payment is needed to make an ordinary annuity obtain $200,000 in 30 years at 9.75% interest?

How would you describe from your personal experience the concept of Present Value of Annuity?

Editor — Wed, 10 Mar 2010 06:21:51 +0000

I married a guy who owns a house. If he sells will all my back child support have to be paid from his equity?

Editor — Wed, 10 Mar 2010 03:13:42 +0000

where can i cash a check for 36,000.00 dollars if i don’t have a checking account?

Editor — Tue, 09 Mar 2010 21:22:22 +0000

it’s an annuity check

Is American Equity Life Insurance Company a company which can be trusted?

Editor — Tue, 09 Mar 2010 19:04:11 +0000

American Equity sells fixed annuities, Have they ever defaulted on paying there customers there monthly payments on fixed annuities or any other investment?

How long would it take to get from Wentworth Avenue,Sydney to The Sydney Harbor Bridge?

Editor — Tue, 09 Mar 2010 19:04:09 +0000

Could you walk it?

Question about future value of an annuity?

Editor — Tue, 09 Mar 2010 13:26:08 +0000

You have a 40 year old client, who wants to start saving for retirement, with her first payment coming one year from now. She can save $5,000 per year, and expect an average return of 9% in the future.

A.) How much money will she have at 65?
B.) How much money will she have at 70?
C.) If she expects to live for 20 years in retirement if she retires at 65 and for 15 years at 70, and her investment continues to earn the same rate, how much could she withdraw at the end of each year after retirement at each retirement age?

3.)A.) For this problem, I plugged in the following values into the financial calculator application: N = 25, I = 9%, PV = 0, PMT = -5,000. The variable to be solved in this case is the future value. The answer I got was $423,504.48.

B.) For this problem, the only value I switched was N = 25, to N = 30. The answer I got was $681,537.69.

C.) At 65 years old, the client could withdraw $46,393.42 each year during retirement, for 20 years. I arrived at my answer by inputting the following values into the financial calculator application: N = 20, PV = -423,504.48, I = 9%, and FV = 0. The value to be solved for is the payment, or the withdrawals she would be able to make at the end of each year.
At 70 years old, the client could withdraw $84,550.80 for 15 years. I arrived at my answer by inputting the following values into the financial calculator application: N = 15, I = 9%, PV = -681,537.69 and FV = 0. And again, the value to be solved for is the payment, or the withdrawals she would be able to make at the end of the year.

^ Those are the answers I got. Can anyone just check them over and make sure I did the problem correctly?
Thanks.

What impact did John Hancock have on America?

Editor — Tue, 09 Mar 2010 11:02:35 +0000

I am doing a project on John Hancock and I need to know what impact he had on America. Please help!
Thank you! You all have been a big help!

Annuity Immediate Quote

I am in need of a tax attorney to quit claim my home to my brother due to IRS tax implications 3 years ago!?

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