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ANNUITIES MEANING
อ่าน 40 ครั้ง
* มีนาคม 08, 2020, 01:50:07 AM
ANNUITIES MEANING

PURPOSE OF AN ANNUITY
An annuity provides income for a specific number of years or for life. An annuity protects a person against outliving their money. Annuities are not life insurance, but a way of accumulating money and liquidating an estate.

ANNUITY OWNER
Annuity owner is the purchaser of the annuity.

ANNUITANT
Annuitant is the person who receives the payments from the annuity.

ACCUMULATION PERIOD
Accumulation Period, also known as the pay-in period, is the period of time over which the annuitant makes premium payments into the annuity. It is also the time that the premium payments earn interest on a tax deferred basis. Annuity Period, also known as the annuitization period or liquidation period, is the time during which the money that has accumulated during the accumulation period is converted into income payments to the annuitant.
Note: If an annuitant dies during the accumulation period, the beneficiary will receive the cash value or total premiums paid whichever is greater.

ANNUITY FUNDING
There are twoways to fund an annuity:
A single payment (lump sum) Periodic payments, in which premiums are paid in installments over a period of time.
Annuities can also be classified according to when income payments from the annuity begin.

IMMEDIATE ANNUITY
An immediate annuity is one that is purchased with a single lump sum payment and provides income payments that start within one year from the date of purchase.

DEFERRED ANNUITY
A deferred annuity is an annuity in which the income payments begin sometime after the first year. Deferred annuities can be funded either with a single lump sum or through periodic payments.

ANNUITY PAYOUT OPTIONS
Annuity payout options specify how annuity funds are to be paid out. They are very similar to the structured settlements annuities options used in life insurance and determine how the policy proceeds are distributed to the beneficiaries.

STRAIGHT LIFE INCOME OPTION
The Straight Life Payout Option, also known as Pure Life, will pay a specific amount for the remainder of the annuitant's life. This option provides highest monthly benefit for an individual annuity. Although the annuity payments are guaranteed for the lifetime of the annuitant there is no guarantee that all the proceeds will be full fully paid out, because the payments stop after the annuitant's death.

LIFE WITH PERIOD CERTAIN
Life with Period Certain is anotherr annuity payout that is contingent on the annuitant dying. Under this option the annuity payments are guaranteed for the entire lifetime of the annuitant and for a specified period of time to the beneficiary.

FIXED ANNUITIES
Fixed Annuities provide a fixed guaranteed payout. Payments that do not vary from one payment to another and guaranteed minimum rate of interest.

VARIABLE ANNUITIES
A variable annuity serves as a hedge against inflation, and is variable because there is not a guarantee of payout. Payments can vary from one payment to another, and there is not a set rate of interest. A variable annuity is considered a security and is regulated by the Securities and Exchange Commission (SEC). An agent selling annuity must also have a securities license in addition to their Life Insurance License.

ACCUMULATION UNITS
As variable annuity premiums are invested and begin to grow this is known as the accumulation of units.

ANNUITY UNITS
Annuity units is the payout phase of the Variable Annuity.

VARIABLE ANNUITIES
A variable annuity is considered a security and is regulated by the Securities and Exchange Commission (SEC). An agent selling annuity must also have a securities license in addition to their Life Insurance License.

ACCUMULATION UNITS
As variable annuity premmiums are invested and begin to grow this is known as the accumulation of units.

ANNUITY TAXES
A portion of each annuity benefit payment is taxable and a portion is not. The portion that is nontaxable is the anticipated return of the principal paid in. This is known as the Cost Base. The portion that is taxable is the interest earned on the principal. This is known as the Tax Base.

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* พฤษภาคม 14, 2020, 12:44:23 AM
#1
BEST SURVIVAL KNIVES
CRKT Sketch Folder
The Sketch is a great example of what makes an excellent EDC knife. Simple, understated, and it just plain works. It has a blade length barely under 3 inches and stretches to a little over 6.5 inches when open. A frame lock keeps the blade secure while you work, and the 8Cr14MoV steel will keep a sharp edge. A thumb hole at the spine provides one-handed opening capability. The K-tip blade profile is very handy, especially when fine detail work is needed.

TOPS Knives XXX Dicer
Combine a wide spatula with a chef’s knife and you’re on the right track for the XXX Dicer. Part of the growing kitchen collection from TOPS Knives, it measures 8.88 inches from tip to butt, with the blade stretching 7 inches of that length. The handle is red and black G-10, providing a positive grip no matter what you’re slicing. The 440C steel blade will stand up to years of use, whether you’re in the kitchen or the backcountry.

TOPS Knives Street Spike
The Street Spike is simplicity itself. Start with a slab of quarter-inch 1095 steel and skeletonize the handle to reduce the weight. Radius the handle edges for comfort so you don’t need to add scales and you’re good to go. It's easy to carry, easy to conceal and easy to use for a wide range of tasks. Even with the Kydex sheath, it is small enough to fit into a pocket or on a neck chain. The plan was to create a no-frills tool that is easy to keep on your body and TOPS succeeded on both counts.

Spyderco Astute Folder
The Astute is a folder that punches way above its weight class. It has a four-position pocket clip as well as a lanyard hole, allowing a wide range of carry options. The blade is 8Cr13MoV steel, and it has a gently curving flat grind edge. A liner lock keeps you safe while you work and the textured G-10 scales keep the knife in your hand, even in cold or wet conditions. All in all, the Astute provides all the quality Spyderco is known for and at a value price point.

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บันทึกการเข้า

* กันยายน 29, 2020, 03:48:11 PM
#2
Mortgage misfits
Tough restrictions on borrower affordability mean growing numbers of people are finding it hard to get a mortgage, says Patrick Collinson in The Guardian. Here are some ways to bag a deal if you’re a misfit:

You are over 40. Most lenders will only grant a mortgage to your planned retirement date – meaning a steep repayment curve for the average 37-year-old first-time buyer. It’s worth shopping around. Bath Building Society, for instance, doesn’t have a maximum age, “but will be looking for proof of continued income”. National Counties will consider applicants up to the age of 89.

You are newly self-employed. Unless you have two or three years of properly audited accounts, “you’ll be turned down by nearly everyone”. A handful of borrowers, including Halifax, Precise and Kensington, are willing to consider borrowers with just one year’s accounts. But you’ll need a deposit of at least 20% and you’ll pay higher rates.

You rely on bonuses. Lenders have made life much tougher if commission or bonuses make up a large part of your pay. Much depends on how often you receive payments. If bonuses are paid weekly, monthly or quarterly, lenders may be sympathetic. But just 50% of a bonus paid annually will count for mortgage purposes.



5 TIPS TO PREPARE FOR YOUR PROPERTY SETTLEMENT
8 HABITS OF WEALTHY AND SUCCESSFUL PEOPLE
WHY MILLENNIALS CHOOSE TO BUY HOME
7 TIPS EVERY HOMEOWNER NEED TO KNOW ABOUT INSURANCE
8 TIP ON HOMEOWNNER INSURANCE
10 QUESTION YOU SHOULD ASK MORTGAGE LENDERS

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บันทึกการเข้า

* กันยายน 29, 2020, 03:49:14 PM
#3
5 Tips to Prepare for Your Property Settlement


1. Insurance


Haven't organised insurance yet? Get it now! It can be a risky practice to rely on the vendor's  insurance cover (or lack thereof) if something happens to the property during the period from exchange to settlement. Having adequate insurance in place will give you peace of mind.

2. Keys, codes and passes


Make sure you organise who has the keys and when you can collect them from the agent or your legal representative. Also, make sure you have the alarm codes (if any) and instruction manuals. Some purchasers want to collect the keys that day from the agent; others have the keys delivered to their solicitor after settlement. By sorting out the logistics beforehand, you can enjoy your property sooner (without setting off any house alarms!).

3. Final inspection


This is probably the most important inspection you will undertake, so you should organise it during daylight hours as close as possible to settlement and really take your time with it. Has any debris been left behind? Do the fittings and fixtures remain? Are the contractual inclusions actually in place? Have the exclusions been disposed of?

4. Final Title Search


Just like a final inspection, a final title search will inform you if there have been any dealings with or new interests in the legal ownership of the property. After all, you can't buy something from someone if they don't own it. You'll also need to remove any caveat you've placed on the title to enable the change of ownership to take place.

5. Cheque directions


Your legal advisor and lender will organise the cheques on your behalf, but it's up to you to make sure the settlement amounts and payees are correct before property settlement. Also, make sure the cheques have correct spellings - incorrectly issued non-negotiable bank cheques can hold up and delay a settlement, and that's the last thing you want!


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