CD Type Annuities

What do you do when your attorney lies to you and the court knows it?

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

I’ve been divorced more than 12 yrs. In the div. decree I was given 1/2 pension and annuity of ex. He retired Jan 2006. I was entitled to more than $100,000 annuity. His city job knew this and had documentation. They mistakenly gave him my entitlement and when requested to return it, he refused and got an attorney. He lost.

Now, my attorney (person not responsible for my win) was handling a case for me against the city. I’ve felt that he has been less than honest. On 3/19/07, a status conference was held, as a result of a conference between my attorney and my ex’s atty, and the city’s atty in Dec. 06, and the outcome was to withhold the money mistakenly given to my ex., pending outcome of a decision in family court. He lost in that decision.
No attys except mine were in the ct room on 3/19/07 and he claimed not to know why. I found out from the clerk that my atty called the ct on Friday claiming that a settlement was reached. I never agreed to a settlement. What do I do

A guaranteed payout annuity floor (GPAF) rider in a variable annuity guarantees what?

Editor — Thu, 11 Mar 2010 18:34:09 +0000

a) the owner can eventually annuitize a certain minimum guaranteed income base regardless of how poorly the owner’s investment choices perform

b)the owner can make withdrawals free of surrender charges if the owner needs long-term care

c)once payouts begin, no payment will ever be less than a specified percentage of the first payment

d) the owner will receive at least a return of principal, in a lump sum, after a specified waiting period

find the present value of the ordinary annuity payment of $89 made quarterly for 10yrs at 8% compound quartely

Editor — Thu, 11 Mar 2010 16:43:39 +0000

What is the difference between Annuity Due and Annuity Immediate?

Editor — Thu, 11 Mar 2010 12:30:12 +0000

a. 1 Payment Hence
b. 1 Payment Thereoff
c. 1 Payment Then

what annuity company will actually pay you to start an annuity with them?

Editor — Thu, 11 Mar 2010 12:30:10 +0000

someone told they have an annuity with some company that gave them a small percentage of what they invested. has anyone heard of this? if so, what company or companies do that?

Can I convert my Adjustable Life Insurance policy to Term Insurance?

Editor — Thu, 11 Mar 2010 08:33:51 +0000

I currently have a $300,000 Adjustable Life Insurance policy and want to convert it to a $300,000 20 Year Term. Can I do this or will I have to surrender the policy and start a new policy? I checked my life policy and there is nothing mentioned about any type of conversion. Just curious about everyone’s thoughts.

my 82 year old mother, that lives in wisconsin, just sold her home and has $200,000 to invest for an income?

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

stream. anuities? bonds? she would like to leave it to hiers, also.

Equity-indexed Annuities

Editor — Thu, 11 Mar 2010 06:32:54 +0000

Product Description
This lecture is designed for financial professionals and for those of you who are preparing for Health and Life Insurance License Exam. An equity-indexed annuity (EIA) is generally believed to be a fixed deferred annuity that credits earnings based on the movement in an equity index but yet guarantees a certain minimum return. This lecture covers the following topics: equity-indexed annuity; advantages and disadvantages; how does the indexing work; typical EIA contract features; cap rate; death benefit; fees and expenses; indexing methods; maximum issue ages; minimum guaranteed interest rate; minimum premiums; partial withdrawal provisions; participation rate; policy loans; policy term; settlement options; surr… More >>

Equity-indexed Annuities

What action should I take if my boss has “suggested” a demotion due to a recent disability diagnosis?

Editor — Thu, 11 Mar 2010 02:34:42 +0000

I would appreciate any advice (legal or otherwise “informed”) as to what to do if I feel I’ve been threatened to be terminated or demoted based on a recently revealed disability.

I’ll try my best to keep this as simple as possible, but a little back story is needed to really address the specifics…(I’ll break down the important parts).

My Disability…
About 5 months ago I started to suffer from prolonged aching and sometimes debilitating pain in my joints and occasional acute pain in my chest and back. I’m a 24, athletic, and in otherwise good health so after enduring this for months I finally made an appt. with a rheumatologist and have since been diagnosed with an autoimmune connective tissue disease. There is no known cure for the family of autoimmune diseases and relatively scarce knowledge even for it’s causes. It is essentially a chronic “pain management” disease, through various NSAIDs and immune suppressing drugs.

My Job…
I have been working in retail for the same company off and on for 7 (almost years now, at various store locations–part-time in high school and full-time through college and at the present. I am a stock manager and have held that position at 3 different stores for a total of about 3 years. So my experience and knowledge of my position and it’s responsibilities are well known to me by now, and up until this recent diagnosis, have been well within my physical capacity. (and while I feel it should be noted, that my mental capacity far exceeds the requirements of the job, there are unfortunately no bonus points or rewards for intellect in retail…we go by a “follow the program” and look pretty policy) lol

The (possible?) discrimination…
Though the company I work for is no stranger to VERY public discrimination suits and (massive) consequential settlements, I’ll withhold from naming names (for my sake as a current employee at this point). So the quick and dirty version of why I feel discriminated against or threatened goes like this…

I went to my store manager with the details of my medical issue and the limitations it may cause in the immediate and foreseeable future, and I asked for understanding and whether I could re-structure my work schedule to come in earlier to avoid having to work through the more painful evening/night hours. I thought this was a pretty reasonable and rational request due to the fact that I can’t escape the daily aches, and want to keep my job despite that. I just wanted to avoid the worst of it. …. While he was empathetic, he really had no say in whether the work schedule would be approved by our district manager. Soooo…. On my DM’s weekly visit I explained the same issue I was having and same request, but he was almost dismissive about it and without giving an absolute yes or no, went into “how my position REQUIRES that I be present for the hours of 1-10pm. And that my necessary duties as stock mgr. won’t be able to be covered by anyone else.” Since that first discussion, he’s asked about specifics of my condition (in a challenging it’s legitimacy kind of way), and has still maintained his position that I really have no choice but to work these hours. Finally, yesterday the straw that broke the camel’s back, was when he finally suggested that if my condition will limit my capability to handle my position then they would have to find a replacement and/or demote me to a part-time employee!!

Now I’m no civil rights expert, but even knowing nothing about law I was pretty stunned that he would even say that to me! My response was, “…um…wouldn’t that be considered discrimination based on disability…?? Since I’ve been in this position and proven my capability up until this recent diagnosis, shouldn’t I be warranted some kind of fair accommodations under the circumstances?? ” and his response (in a slightly defensive tone) was, “well, I can’t really say…. you’ll just have to call (some HR entity–can’t remember the name) … and they can tell you if you have the right to ask for those hours….”

and that was that.

What makes me nervous is his recent persitance about my performance and basically riding me about every little thing, and even telling my store manager to terminate me on the spot if I question any specific task I’m asked to do. I feel like I’m really being singled out, especially considering, upon a recent visit our Regional Mgr’s (DM’s boss) only positive remarks on our audit and store ops were about how strong the organization and maintenance was and personally thanked me for my stockroom on her way out. (RM’s aren’t prone to dolling out individual praise, especially all the way down the food chain) so I felt at least a little vindicated. I was starting to wonder whether I was delusional about how well I do my job!

Anyway… I don’t even know if this qualifies as a “yahoo question”, but I am so stressed that I might lose my job for a bogus reason because my boss doesn’t want to deal w
kagerousan: I appreciate the advice, and I realize the logistics of hearsay… but if the store mgr and other assitant mgrs can attest to his (the district mgr) position on this, does that count for anything?

I’ve only begun to look into all this tonight so my knowledge is limited, but I think I get the basics of “at-will” employment (which I am), but if a medical condition deems you impaired under the disability act, it sounds like there is an exemption from the at-will termination…??

I just doubt I’ll catch him so blatantly (and so stupidly) giving me that ultimatum again… since I called him out on it right away…. bummer.

where’s the damn iphone app for catching your boss making discriminatory statements, when ya need one?!

world history please help 10points and best answer?

Editor — Thu, 11 Mar 2010 00:48:40 +0000

hey guys im stuck on these 3 world history questions and i really need some help so if you can please help me. 10points and best and best answer.

By 30,000 BC Neanderthals had been replaced by

A.Homo sapiens.

B.Homo sapiens sapiens.

C.Homo erectus.

D.Homo paleolithic.

Paleolithic humans were able to do all of the following EXCEPT

A.create simple stone tools.

B.use fire.

C.create cave paintings.

D.create crude metal tools.

The most complete definition of a civilization is

A.any culture that practices art and religion.

B.the gathering of humans in farms, settlements, and villages.

C.a social structure based on economic power.

D.a complex culture in which a large number of humans share
several common elements.

Insurance settlment – tax break?

Editor — Thu, 11 Mar 2010 00:48:39 +0000

I was injured in an accident and settled with my insurance company. They paid for my medical bills and for pain and suffering. From what I understand, the settlement amount is not tax deductible. But can I still claim a tax break for the deductibles I’ve paid for my treatment?
This accident happened in CA, USA

what is a good website or good company to buy term life insurance?

Editor — Thu, 11 Mar 2010 00:48:37 +0000

Are the personal Injury settlements proceeds taxable?

Editor — Thu, 11 Mar 2010 00:48:35 +0000

I am Indian working in India and traveled to USA on a business trip. I slipped in the Ice and had a leg fracture in the the hotel. We have filed a case against the hotel through an US attorney and got the damages of $xxxx as compensation. Do i nee d to pay taxes for this money in India ?.While all my medical expenses were alreaday borne by travel insurance, I had allowances cut in my salary by employer and lost several other indirect emoluments.

What is the best way to cancel a cash value life insurance policy.?

Editor — Thu, 11 Mar 2010 00:48:32 +0000

I want to keep the cash value invested, and would like to reduce the amount of penalty’s that would be levied against it. I have done numerous studing on the topic and have realized that this was a mistake and i got taken. I’ve been funding it for a little over a year and have about a thousand dollars in the cash value. The surrender period is ten years. I’ve heard it is a good idea to role it over in a 1035 exchange into a variable annuity with the same company to reduce the fee’s. Help????

Is it true that taking annuity instead of cash when winning the lottery you get more money paid to you?

Editor — Wed, 10 Mar 2010 21:36:29 +0000

If it is true How?

what do you think about a fixed annuity for 5 years paying 4.80%?

Editor — Wed, 10 Mar 2010 21:36:27 +0000

just opted out of the stock market-is a fixed annuity good investment for a 58 year old?

If you receive an insurance settlement, do you have to pay taxes on the amount received.?

Editor — Wed, 10 Mar 2010 18:32:02 +0000

How much should we be saving for retirement?

Editor — Wed, 10 Mar 2010 16:30:39 +0000

My husband only works, I am a stay at home mother of four children ( I worked for 8 years as a lab manager before having children). How much should we be saving for retirement? He is 35 years old, I am 36 years old. We currently max out his 401K at 15% of his pre-tax salary. We also save 10% post tax into an annuity type account (life insurance also). When I use retirement calculators, they usually say we should be saving only 5% of our pre-tax income actually since we started at age 26 or so, but I believe that this is only for 1 person, and we are actually saving for both of us. The Yahoo retirement calculator says we should have $2,000,000 in all based on 8% return. Should this be $4,000,000 instead for 2? We have no debt except for a $70,000 mortgage with 9 years left. None of our friends or family save as much as we do, but are we really going overboard here with savings? Or is it better to save as much as we can now and ease up later when our children are in college?
I guess I actually have two questions: With the retirerement calculators, they ask if you are married and if your spouse has any income, but are the totals for one person or two? Also, is a total savings rate of 25% totally off the mark (too much)? My husband thinks we are saving too much, I am very conservative!
Thanks so far for all the answers. With all of our savings as is, and 4 young children with 1 income only, we really have no “disposable”spending money. Is cutting back to 10% for his 401K a good idea? Would our retirement still be “on course” for both of us? We never eat out, have not gone on vacation since we were married 10 years ago, his car is 9 years old and we would need to buy a new one soon, etc. He thinks we need to enjoy our lives now a bit more. We do also fund an HSA with about 4% pretax also each month! But we have no separate college savings plan yet.
I thought that 529 plans only had state tax benefits, not federal currently?

Where can I Find Reliable Cheap Life Insurance Quotes?

Editor — Wed, 10 Mar 2010 14:35:09 +0000

I recently started a home internet based business. When I was just starting out I went without insurance for a while. Now that things are going well I would like to buy a life insurance policy.

There are a ton of life insurance sites, but most of them seem biased or focused on an individual provider. Where can I find a good life insurance quote site that is unbiased or gives me quotes from a wide array of services?

Also, are there any good tips for saving money buying life insurance for small business owners?

Did I get “snow-balled”?

Editor — Wed, 10 Mar 2010 12:32:00 +0000

I have been with my man for over 2yrs and we have a 1yr old daughter. We mutually decided to move to KY to be closer to my family – increase a family support structure for my daughter. We were self sufficient before we relocated but went bust in the process of moving. Next milestone we ended up having to live at my fathers for 9 months because we were unable to find work. My father decided that my fiancé was taking a free ride and told him he had to be out in 2 weeks (Note: in two more months we would have had our own place because I had a settlement coming and I was going to buy a new home.) He had two choices: 1) get an efficiency, ride it out (all we could afford) and be near me and the baby 2) Move back home to mommie in FL.
He chose to move back to FL – even though he finally got a good job! He claims that he will come back after 2 months, when I got my place. I love him but I really don’t like the situation and he calls everyday. If he wanted to bail before he could have left whe

I pln to retire in Mar ‘08-At 66 spouse 61. Should I roll over my TSP a/c to an IRA , VTOVX or buy an annuity?

Editor — Wed, 10 Mar 2010 09:30:43 +0000

Does term life insurance take into account the combined income of a married couple?

Editor — Wed, 10 Mar 2010 06:46:20 +0000

I have seen around the internet that the maximum term life insurance policy allowed for a person in their 20s is usually 20 times their income. However, I was wondering if there are any policies that take into account the combined household income. If a husband and wife both make $40,000 a year, are they entitled to a policy that is based on $80,000 of combined income, or are all policies handled on an individual basis?

I will be 60 next month, should I purchase life insurance or an annuity?

Editor — Wed, 10 Mar 2010 06:46:18 +0000

I want access to my investment and I want to pass funds on to my son when I die.

Is an indexed annuity a good way to save?

Editor — Wed, 10 Mar 2010 03:33:58 +0000

Can a variable annuity be used for a down payment on a house without incurring penalties?

Editor — Tue, 09 Mar 2010 20:31:11 +0000

TSA (teachers retirement annuity), how do they basically work?

Editor — Tue, 09 Mar 2010 20:31:10 +0000

My sister has 30K TSA in California and has asked for some help. Do they grow in value over time? How much do they typically pay at retirement?

Any info is appreciated!!

Is buying an annuity with a fixed index,the safest way to invest? Linda?

Editor — Tue, 09 Mar 2010 20:31:08 +0000

Annuity Settlement, Audio Course

Editor — Tue, 09 Mar 2010 18:30:00 +0000

Product Description
This lecture is designed for financial professionals and for those of you who are preparing for Health and Life Insurance License Exam. This lecture covers the following topics:
SETTLEMENT OPTIONS;
Life Annuity;
Life with Period Certain Guarantee;
Refund Life Annuity;
Joint and Survivor Life Annuity;
Fixed Period Annuity;
Fixed Amount Annuity;
Interest Income;
SURRENDER CHARGES;
WITHDRAWALS;
Partial Surrender;
Full Surrender;
10% Per Year Withdrawal;
Systematic Withdrawal Option;
Loans;
THE VARIOUS TYPES OF ANNUITIES;
SINGLE PREMIUM ANNUITIES;
FLEXIBLE PREMIUM ANNUITIES;
FIXED ANNUITIES;
EQUITY-INDEXED ANNUITIES;
VARIABLE ANNUITIES;
Assumption of the Investment Risk;
The Variable Accounts;
The Guaranteed Accoun… More >>

Annuity Settlement, Audio Course

What banks are the easiest to get a home loan from with insufficient credit history?

Editor — Tue, 09 Mar 2010 16:36:40 +0000

score around 600, and eligible for a VA loan. Also, have a structured settlement to use toward income.

Annuity Help?

Editor — Tue, 09 Mar 2010 15:29:43 +0000

What amount would I have to put aside if I wanted to offer someone a 15 year Annuity with an Annual Payment of 100,000

If an employee was working for 10 years – there would have to be enough money put aside.

In other terms, Present Value of Payment Stream (Cash Out) = Future Value of Payment Stream

Interest Rate : 5.75%

CD Type Annuities

What do you do when your attorney lies to you and the court knows it?

Related Posts

A guaranteed payout annuity floor (GPAF) rider in a variable annuity guarantees what?

Related Posts

find the present value of the ordinary annuity payment of $89 made quarterly for 10yrs at 8% compound quartely

Related Posts

What is the difference between Annuity Due and Annuity Immediate?

Related Posts

what annuity company will actually pay you to start an annuity with them?

Related Posts

Can I convert my Adjustable Life Insurance policy to Term Insurance?

Related Posts

my 82 year old mother, that lives in wisconsin, just sold her home and has $200,000 to invest for an income?

Related Posts

Equity-indexed Annuities

Related Posts

What action should I take if my boss has “suggested” a demotion due to a recent disability diagnosis?

Related Posts

world history please help 10points and best answer?

Related Posts

Insurance settlment – tax break?

Related Posts

what is a good website or good company to buy term life insurance?

Related Posts

Are the personal Injury settlements proceeds taxable?

Related Posts

What is the best way to cancel a cash value life insurance policy.?

Related Posts

Is it true that taking annuity instead of cash when winning the lottery you get more money paid to you?

Related Posts

what do you think about a fixed annuity for 5 years paying 4.80%?

Related Posts

If you receive an insurance settlement, do you have to pay taxes on the amount received.?

Related Posts

How much should we be saving for retirement?

Related Posts

Where can I Find Reliable Cheap Life Insurance Quotes?

Related Posts

Did I get “snow-balled”?

Popular Posts

I pln to retire in Mar ‘08-At 66 spouse 61. Should I roll over my TSP a/c to an IRA , VTOVX or buy an annuity?

Related Posts

Does term life insurance take into account the combined income of a married couple?

Related Posts

I will be 60 next month, should I purchase life insurance or an annuity?

Related Posts

Is an indexed annuity a good way to save?

Related Posts

Can a variable annuity be used for a down payment on a house without incurring penalties?

Related Posts

TSA (teachers retirement annuity), how do they basically work?

Related Posts

Is buying an annuity with a fixed index,the safest way to invest? Linda?

Related Posts

Annuity Settlement, Audio Course

Related Posts

What banks are the easiest to get a home loan from with insufficient credit history?

Related Posts

Annuity Help?

Related Posts