A Look at an Equity-Indexed Annuity

After writing yesterday’s post on seminars, I decided to build a spreadsheet to analyze an equity-indexed annuity similar to the one my dad told me ... . This means that the annuity holder gets 100% of anything up to 10% rate of return. So, if the annuity ... , for an average annual rate of return of 6.81%. The non-annuity account would have grown to [more...]

Date: 2007-09-13 14:52:33
Blog: � AllFinancialMatters...

Blog posts (98) | No video
Sorted by : Date | Pertinence | Popularity

 

(no comments)

(no comments) 3 Categories: annuity annuity rate rate Updated by daoco9 2 minutes ago Link Business name page yellow - BizBuySell - The Internet's Largest Business for Sale [more...]

Date: 2007-09-29 10:32:11
Blog: MarkaBoo :: Recent Book...

John Brandrick and the annuity puzzle

The story of John Brandrick - who's sueing the NHS because he spent his life savings after being misdiagnosed with terminal cancer - highlights a ... wealth, who get low annuities. 3. Money illusion. Annuity rates today look worse than they were ... nice economic problem: the annuity puzzle. In a sense, there are only two economic risks [more...]

Date: 2007-05-08 12:48:25
Blog: Stumbling and Mumbling...

(no comments)

(no comments) 3 Categories: rate annuity annuity rate Updated by daoco9 9 minutes ago Link Working in the garden a real family activity [more...]

Date: 2007-08-20 04:38:11
Blog: MarkaBoo :: Recent Book...

Approaching Retirement Issue 3 – How much do you like paying the taxman?

I'm pleased to bring you the third in a series of articles by UK Financial Adviser, Helen Kanolik, ... , your earnings or other savings can provide the income you need. If you are buying an annuity ... Guaranteed Annuity Rate in the pension contract. Income drawdown can give you flexibility to take [more...]

Date: 2007-10-17 01:05:20
Blog: Contemporary Retirement...

My Students Are NOT Off To A Good Start

This semester I tried something a bit different in my security analysis class. Since the finance principles (i.e. required core finance) ... of the basics (like time value, using their financial calculator, constant dividend growth valuation ... of a lump sum, PV of an annuity, find the interest rate on the FV of an annuity) A constant dividend [more...]

Date: 2007-09-20 22:55:12
Blog: Financial Rounds...

Gilt Yields Are Up And Rising Rates Should Be Good News For Savers

Rising rates are lousy news for debtors not tucked up in long-term fixed rate deals. But where theres a yin theres a yang when it comes to rates ... retirement too. Gilt yields are up that means annuity rates are up too. According to a helpful chart from the Annuity Bureau back in 1990, a pot of pension money built up over a working life could [more...]

Date: 2007-07-02 00:00:00
Blog: Stock Market Investing ...

Retirement Homes

There are many different types of properties available for retirees ... , council taxes, falling annuity rates or low interest rates could be affecting your savings. Thus, a move ... your ideal retirement home has never been easier. Ktimatoemporiki Crete's property sections give [more...]

Date: 2007-07-27 12:35:11
Blog: Living in Crete...

Dividend Analysis - Compass Bancshares Inc (NASDAQ:CBSS)

The next S&P 500 Dividend Aristocrat to apply for membership in our portfolio of superior dividend yielding stocks is Compass Bancshares Inc ... , it provides discount brokerage services, mutual funds, and variable annuities to individuals and businesses ... , and employee benefit plans; agency services for term life insurance, fixed rate annuities, [more...]

Date: 2007-08-03 13:00:36
Blog: Dividends Matter...

NOW WE KNOW WHY THE ENGLISH INVENTED THE DEEP FRIED MARS BAR

One of the headlines in “The Times” Business Section today claims that “Wealthier pensioners ‘may subsidise the poor’” ... of Actuarial maths to work out what the real annuity rates for our Scottish friend, and his SW3 ... counterparts, they should receive a higher annual annuity payment from life insurance companies [more...]

Date: 2007-11-08 21:00:31
Blog: 42 @ 60...

Should you buy extra pension years?

Buying back added years within your NHS pension could provide a tremendous boost to your income when retired ... of guaranteeing yourself income in retirement and locking yourself into today's annuity rates ... at retirement but there are some significant downsides too. What are the positives/negatives to buying back [more...]

Date: 2007-07-22 09:53:09
Blog: medinvest.org.uk...

[annuities] help me please, mr economist

In The Lotus Eater, by William Somerset Maugham, the main protagonist, Wilson, explains his annuity: ... would go for a fixed term annuity, say 25 years? Is the rate better, is it the lack of worry, knowing ... , I just hadn`t enough to buy an annuity to last the rest of my life. It would have been silly to sacrifice [more...]

Date: 2007-05-10 04:39:25
Blog: nourishing obscurity...

Homeowners insurance provides coverage in the event of damage to your property, ... , disability, long term care, cancer, burial, group insurance or annuity rates, their company ... you can get Free Instant Insurance Quotes Online... Find Affordable Insurance Rates from Carriers & Brokers [more...]

Date: 2007-09-06 15:14:52
Blog: diwatangbyaning...

HelenLindars

“…Women’s lives are significantly different to men’s Working Lives Parenting Caring Absent from paidwork Full time work Part time work ... longevity deeper poverty later in life. Women greater longevity than men Lower annuity rates ... Significantly reduced income Retirement Significantly reduced pension income Large difference [more...]

Date: 2007-07-25 16:37:13
Blog: Excerptus...

Nice Work If You Can Get It

You know, I don’t have to be a financial analyst to know there’s something really wrong with this picture: The Blackstone Group, ... at the highest levels of the economy. “These guys have figured out how to turn paying taxes into an annuity ... in Washington about what tax rate to pay misses the big picture.” (And by the way, Times reporter [more...]

Date: 2007-07-13 11:21:49
Blog: Suburban Guerrilla ...

Comparing a Lump Sum With an Annuity

Every since I wrote about the variable annuity sold to an 86-year-old, ... expectancy of 18 years at age 65, then the annuity’s internal rate of return is really only 4.16%. In other ... ou live beyond your actuarial life expectancy, the better the annuity deal. You would also h [more...]

Date: 2007-05-18 15:21:19
Blog: Consumerism Commentary...

Permalink to Be Sure About Insurance

moneypillars-125.jpg     November14, 2007 –     William Kay reports on     “postcode-rated annuities”     in The Sunday Times (UK)     –and their potential end     result.     “The main [more...]

Date: 2007-11-14 04:27:12
Blog: AWidow - Widows are giv...

Don Ezra Wants to Talk About it... but nobody else does

Don Ezra at Russell Investments wants to talk about decumulation. He is absolutely right to promote debate about decumulation ... to know you get a better rate for your annuity because you've lived a life digging coal and drinking Newcastle Brown. [more...]

Date: 2007-11-15 02:54:18
Blog: moneyblog...

50 Myths About Money

(Souce) Many misconceptions about personal finance could leave you out of pocket if you act on them ... and plunging annuity rates, it’s hardly surprising that so many people have lost faith in pension plans [more...]

Date: 2007-09-27 13:17:56
Blog: arnold ho...

EROEI Short #3: Price-Estimated EROEI

We have previously discussed the difficulty in accounting for all relevant energy inputs to a given energy production process ... the Treasury’s inflation adjusted rate of return, an annuity that will make 40 annual payments [more...]

Date: 2007-08-31 15:05:30
Blog: The Oil Drum | Discussi...

(no comments)

(no comments) 2 Categories: annuity rate settlements Updated by congjiehui 4 minutes ago Link Income tax calculator - Maine State Library: Library Use Value Calculator What [more...]

Date: 2007-07-15 15:29:06
Blog: MarkaBoo :: Recent Book...

Increase Your Pension Income By £1,000

Pensioners are being trapped into low levels of pension income with persistently poor annuity rates. Here's one alternative to help you get more out of your pension fund. [more...]

Date: 2007-09-07 03:40:00
Blog: Best credit cards, che...

Increase Your Pension Income By £1,000

Pensioners are being trapped into low levels of pension income with persistently poor annuity rates. Here's one alternative to help you get more out of your pension fund. [more...]

Date: 2007-09-18 09:03:07
Blog: Best credit cards, che...

Home owner insurance online quote

Home owner insurance online quote Posted on September 11th, ... , long term care, cancer, burial, group insurance or annuity rates, 2insure4less will find you low [more...]

Date: 2007-09-11 08:45:44
Blog: www.host.echathost.com...

FedEx Cup: Success? Tiger Woods: Sick.

23 under? REALLY? That’s the golf course we want them to play for the finals of the first ever Fedex Cup? ... mean something, and at least he earned himself the $3M second place annuity. That’ll be some decent retirement money at any percentage rate. But let’s face it - if Tiger “sat on his laurels” [more...]

Date: 2007-09-17 15:40:06
Blog: The Golfchick...

Thoughts on response to CPF speech

Since my speech on the proposed CPF changes last week, and after thinking hard about the Government's responses ( ... : The rate of return for CPF members can, and should be, higher.The compulsory annuity represented [more...]

Date: 2007-09-24 19:14:56
Blog: Siew Kum Hong...

Be Smart

Be Smart September 7th, 2007 I do not live in a bad area. We have occasional hurricanes, but they’re normally nothing too serious. I also live in a low crime rate area. There’s not much to worry about living here, but no matter ... , and annuity insurance. You can find low cost insurance quotes in all 50 states and it’s free. Also, if you’re [more...]

Date: 2007-09-07 04:32:29
Blog: Just A Touch of Sweetn...

Global imbalances and valuation effects

With global imbalances starting to decline and a falling US $ it is timely to look at some of the possible macroeconomic effects ... to the annuity value of such gains. But the size of long-run real exchange rate adjustment would be unchanged [more...]

Date: 2007-11-06 08:52:20
Blog: Ecorica-Blog...

GUESS WHO?!

We reported last year that late rapper Tupac hid the fact that he studied Shakespeare because he didn't want to compromise his street cred ... has an "immediate annuity," set up that pays him a five figure monthly salary as well. At the rate he's going [more...]

Date: 2007-07-15 13:16:15
Blog: WE MOVED TO STR8NYC.COM...

The Stingy Government

I was hoping to get full details of the Compulsory Annuity from yesterday's parliament but was very disappointed ... like Hong Kong. Despite of high saving rates, we still find our citizens unable to finance their retirement, why? And the most absurd part [more...]

Date: 2007-09-16 08:24:27
Blog: Singapore Alternatives...

Apple: Bank of America Starts Coverage With Buy Rating, $160 Target

Bank of America’s Scott Craig this afternoon picked up coverage of Apple (AAPL) with a Buy rating and a $160 price target ... reasons. He also notes that it is unclear how the AT&T annuity stream works, and whether it will work ... Apple Trimmed iPhone Build Plans, But Keeps Buy [more...]

Date: 2007-08-01 21:58:04
Blog: Tech Trader Daily - Bar...

Planning For Retirement Study - Are Canadians Saving Enough? University of Waterloo

The on-line report does not contain all the calculation or data details. Some key points include: They used data from Stats Canada ... to an indexed annuity so home ownership could be viewed as retirement income (If I understand ... 65. Assuming one starts at age 40, the required savings rates for a $40,000 income household [more...]

Date: 2007-08-10 16:28:26
Blog: Canadian Money...

Big Money Friday

The Times is on a roll this week, or maybe I'm just noticing it more than usual ... have figured out how to turn paying taxes into an annuity,” Ms. Sheppard said. “What people don’ ... , are in control of their own taxation and so the debate in Washington about what tax rate to pay [more...]

Date: 2007-07-13 13:30:52
Blog: My Open Wallet: A Perso...

Changes to three Public Service Pension Plans that affect RRSP deduction limits

The following is now available on the CRA Web site: Changes to the Public Service (PS), the Canadian Forces (CF) ... . This includes active members and retirees who have opted for a deferred annuity or are receiving an immediate annuity or an annual allowance. * OTHER QUESTIONS 2. What is a pension adjustment (PA [more...]

Date: 2007-09-17 23:59:32
Blog: 1 - 8 0 0 - H A R T...

Do You Attend Retirement, Investment, or Annuity Seminars?

Do You Attend Retirement, Investment, or Annuity Seminars? If so, I want to hear from you. I want to find out how honest these presenters really are ... -indexed annuity. My dad said that two inaccuracies (lies) stood out to him: 1. The presenter told ... . 2. The product this guy was presenting in this seminar was an equity indexed annuity. I don’ [more...]

Date: 2007-09-12 18:18:59
Blog: � AllFinancialMatters...

Reader Question: Should I Pay Off My Car Loan Early?

Here’s a recent email (edited slightly) I received from a reader regarding whether or not to pay off a car early: Hello, I am wondering if you can help me out with some investment math. I can’t tell if i’m doing something wrong, but I’m too close to the data to see it [more...]

Date: 2007-11-11 22:12:39
Blog: � AllFinancialMatters...

Leaving a Variable Annuity Can Improve Your Returns

Leaving a Variable Annuity Can Improve Your Returns October 24, 2007 by Scott Burns Q ... to this suggestion: Pull out most of the variable annuity with Hartford ($112,000) and transfer it into mutual ... as part of a retirement portfolio's international bond portion? ---M.C., by email A. While [more...]

Date: 2007-10-23 13:58:22
Blog: AssetBuilder Inc. - Re...

Why would someone buy a bond at a premium?

A person would buy a bond at a premium (pay more than its maturity value) ... on the day that you are purchasing, you either buy the bond at a premium or you don’t buy a bond ... at Present Value of a Single Amount and Present Value of an Ordinary Annuity. [more...]

Date: 2007-11-07 13:30:59
Blog: Accounting Coach Q&amp...

Microsoft FAM: COO Kevin Turner Says MSFT Sees 9%-11% PC Unit Growth In FY ‘08

Okay, so next up at Microsoft’s (MSFT) Financial Analysts Meeting is Chief Operating Officer Kevin Turner. Turner is going to focus on Windows ... , with consumer premium SKUs up 19%. New sales and renewals on business side growing best rate in many [more...]

Date: 2007-07-26 18:17:58
Blog: Tech Trader Daily - Bar...

Will suicide rates in Singapore increase?

I was reading the papers when I stumbled upon this article. Curious, I searched and found out that in Singapore, for 2006, there’s about 1 suicide a day, which amounts to about 360 suicides a year - about 1% that of Japan’s. In Singapore itself, this accounts for 2.4% of the total number of deaths in 2006 [more...]

Date: 2007-11-09 12:38:27
Blog: Simply Jean ...

Empire of Lies II: Japan and Credit Crunch "Solutions" I finally caved in to greed and accepted an ad (see below) ... has worked: not super-low interest rates, not papering over [more...]

Date: 2007-11-01 14:15:34
Blog: oftwominds...

By Siew Kum Hong, NMP Speech on the Minister Statement on CPF Reforms and Other Measures for a Secure Retirement 1 ... scheme, without reform, will be inadequate to meet Singaporeans' retirement needs. As a long-term retirement savings plan, the CPF's rate of return is crucial. Unfortunately, the rate of return [more...]

Date: 2007-11-08 10:18:41
Blog: Not a social butterfly...

Money Money Money: Is Wall Street Killing America?

Wall Street's crushing grip on corporate America is eroding the consumer experience with unending calls for short-term profits, according to John Bogle, founder of the Vanguard Group. The overseer of one of the world's largest mutual funds appeared on Bill Moyers Journal to discuss a New York Times [more...]

Date: 2007-10-13 12:20:33
Blog: The Consumerist: Shoppe...

Growing the Nanny State One of the things I like about the Wall Street Journal is that, unlike most mainstream newspapers, ... for retirement. The first thing I noticed about this article was that, despite it's title, it was written ... are making poor choices -- or no choices at all -- to prepare financially for retirement. yes, unfortunately [more...]

Date: 2007-10-31 01:29:34
Blog: Ex Mea Sententia...

Life is such a slog

Or am I the only person who thinks that way? The happiest days are probably when you are a baby, cute and bubbly ... have a pension plan or annuity or some sort of retirement plan. You study hard (some people might even skip [more...]

Date: 2007-11-15 08:51:21
Blog: My little girly blog...

Fixed Annuities Offer Protection Plus Flexibility

Fixed Annuities Offer Protection Plus Flexibility November 6th, 2007 · No Comments Insurance companies issue annuities, ... into the annuity, the annuity gives returns for a set period of time. With fixed annuities, the principal ... , changing the number of income payments and others, etc. A fixed annuity offers security to the investor [more...]

Date: 2007-11-06 06:11:43
Blog: Identity Theft Internet...

When Should We Review Our Life Insurance Coverage?

From time to time, there are certain changes in our lives that may have a significant impact on our insurance needs. We should think of it as a checkup. Most of us go for medical checkup once a year. It might be a simple blood test or a full body examination. Our financial security also need preventive medicine as maintenance [more...]

Date: 2007-07-26 23:00:42
Blog: Best Personal Finance B...

How to Quickly Evaluate an Investment using the Rule of 72

Rule of 72 is a basic investment rule that estimates the amount of time it will take to double your money. It is generally used as a simple and straightforward method for estimating an investment’s doubling time or halving time. In this article, we will go through the application of the Rule of 72 [more...]

Date: 2007-11-08 22:00:15
Blog: Best Personal Finance B...

Intersection of counterterrorism legal regimes and the psychology of Islamist radicalization

Brief note to myself. I am thinking about an article next year - ideally in conjunction with a sociologist or political scientist - on the intersection of two areas, legal regimes of counterterrorism and the psychology of Islamist radicalization. I have in mind, first, the literature on the psychology of radicalization - eg, [more...]

Date: 2007-09-15 18:49:56
Blog: Kenneth Anderson's Law ...

Calculating Bond Price When Market Rate is Higher Than Stated Rate

Calculating the price of bonds always seems to be the hardest thing remember if you don't use it on a daily basis ... of principal = $500,000 x Present value factor for a single payment (6%, 10 periods) = $500,000 x 0.5584 = $279,200 Interest payment each semiannual period = $500,000 x 5% = $25,000 (Coupon rate [more...]

Date: 2007-11-02 11:27:59
Blog: Learn Accounting...

1 - 50 of 98 Posts
Page: First | < Preceding | Next > | Last
0 | 1