Payments Annuity » Annuities http://paymentsannuity.com Sell Annuity Payments Fri, 02 Apr 2010 23:52:18 +0000 http://wordpress.org/?v=2.9.2 en hourly 1 How to Get RICH Selling Insurance and Annuities to Women http://paymentsannuity.com/how-to-get-rich-selling-insurance-and-annuities-to-women http://paymentsannuity.com/how-to-get-rich-selling-insurance-and-annuities-to-women#comments Fri, 02 Apr 2010 20:21:36 +0000 Editor http://paymentsannuity.com/how-to-get-rich-selling-insurance-and-annuities-to-women

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]]> http://paymentsannuity.com/how-to-get-rich-selling-insurance-and-annuities-to-women/feed 0 How do you figure annuities with different interest periods and payment periods? http://paymentsannuity.com/how-do-you-figure-annuities-with-different-interest-periods-and-payment-periods http://paymentsannuity.com/how-do-you-figure-annuities-with-different-interest-periods-and-payment-periods#comments Fri, 02 Apr 2010 08:20:59 +0000 Editor http://paymentsannuity.com/how-do-you-figure-annuities-with-different-interest-periods-and-payment-periods Say you want to have :

* $1,000,000 in 40 years (so FV=1,000,000).
* Bank pays 8% APR with quarterly compounding..
* Payments are made at the end of the periods.

How do you get this? Thanks!
Edit: Payments are made the end of periods.

]]> http://paymentsannuity.com/how-do-you-figure-annuities-with-different-interest-periods-and-payment-periods/feed 1 Why not fund social security by using a portion of the ‘trust fund’ each year to purchase Indexed Annuities? http://paymentsannuity.com/why-not-fund-social-security-by-using-a-portion-of-the-trust-fund-each-year-to-purchase-indexed-annuities http://paymentsannuity.com/why-not-fund-social-security-by-using-a-portion-of-the-trust-fund-each-year-to-purchase-indexed-annuities#comments Thu, 01 Apr 2010 15:23:50 +0000 Editor http://paymentsannuity.com/why-not-fund-social-security-by-using-a-portion-of-the-trust-fund-each-year-to-purchase-indexed-annuities Indexed Annuities are fixed and so would offer a guarantee of principle, while allowing for risk-free gains linked to stock indexes

]]> http://paymentsannuity.com/why-not-fund-social-security-by-using-a-portion-of-the-trust-fund-each-year-to-purchase-indexed-annuities/feed 3 The Pocket Idiot’s Guide to Annuities http://paymentsannuity.com/the-pocket-idiots-guide-to-annuities http://paymentsannuity.com/the-pocket-idiots-guide-to-annuities#comments Wed, 31 Mar 2010 22:21:19 +0000 Editor http://paymentsannuity.com/the-pocket-idiots-guide-to-annuities

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]]> http://paymentsannuity.com/the-pocket-idiots-guide-to-annuities/feed 2 Variable Annuities http://paymentsannuity.com/variable-annuities http://paymentsannuity.com/variable-annuities#comments Wed, 31 Mar 2010 05:23:07 +0000 Editor http://paymentsannuity.com/variable-annuities

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]]> http://paymentsannuity.com/variable-annuities/feed 0 ANNUITIES & MUTUAL FUNDS: What Every Investor Needs to Know but Hasn”t Been Told http://paymentsannuity.com/annuities-mutual-funds-what-every-investor-needs-to-know-but-hasnt-been-told http://paymentsannuity.com/annuities-mutual-funds-what-every-investor-needs-to-know-but-hasnt-been-told#comments Tue, 30 Mar 2010 12:22:19 +0000 Editor http://paymentsannuity.com/annuities-mutual-funds-what-every-investor-needs-to-know-but-hasnt-been-told

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]]> http://paymentsannuity.com/annuities-mutual-funds-what-every-investor-needs-to-know-but-hasnt-been-told/feed 1 PA Inheritance Tax – Annuities with Beneficiaries Taxable? http://paymentsannuity.com/pa-inheritance-tax-annuities-with-beneficiaries-taxable http://paymentsannuity.com/pa-inheritance-tax-annuities-with-beneficiaries-taxable#comments Mon, 29 Mar 2010 19:21:36 +0000 Editor http://paymentsannuity.com/pa-inheritance-tax-annuities-with-beneficiaries-taxable I am the executor of an estate in Pennsylvania. There are two annuities in this estate with beneficiaries listed. Does anyone know if these annuities taxable in PA? Any links to the appropriate info? I seem to remember hearing that they are NOT taxable; however, I can’t seem to find any supporting evidence of that.

]]> http://paymentsannuity.com/pa-inheritance-tax-annuities-with-beneficiaries-taxable/feed 1 What is the downside of buying annuities? http://paymentsannuity.com/what-is-the-downside-of-buying-annuities http://paymentsannuity.com/what-is-the-downside-of-buying-annuities#comments Mon, 29 Mar 2010 02:22:13 +0000 Editor http://paymentsannuity.com/what-is-the-downside-of-buying-annuities Are annuities a safe investment?

]]> http://paymentsannuity.com/what-is-the-downside-of-buying-annuities/feed 4 With all the problems with the financial institutions can it affect annuities? http://paymentsannuity.com/with-all-the-problems-with-the-financial-institutions-can-it-affect-annuities http://paymentsannuity.com/with-all-the-problems-with-the-financial-institutions-can-it-affect-annuities#comments Sun, 28 Mar 2010 09:24:04 +0000 Editor http://paymentsannuity.com/with-all-the-problems-with-the-financial-institutions-can-it-affect-annuities With all the problems with the financial institutions can it affect annuities? More specifically if the annuity is issued through an insurance company?

]]> http://paymentsannuity.com/with-all-the-problems-with-the-financial-institutions-can-it-affect-annuities/feed 3 what is the difference between mutual funds and annuities? http://paymentsannuity.com/what-is-the-difference-between-mutual-funds-and-annuities http://paymentsannuity.com/what-is-the-difference-between-mutual-funds-and-annuities#comments Sat, 27 Mar 2010 16:22:54 +0000 Editor http://paymentsannuity.com/what-is-the-difference-between-mutual-funds-and-annuities i currently have some money in annuities and have been told to unvest in mutual funds for a better return.
What do you think?

]]> http://paymentsannuity.com/what-is-the-difference-between-mutual-funds-and-annuities/feed 2 Annuities and interest rates? http://paymentsannuity.com/annuities-and-interest-rates http://paymentsannuity.com/annuities-and-interest-rates#comments Sat, 27 Mar 2010 07:52:08 +0000 Editor http://paymentsannuity.com/annuities-and-interest-rates An annutiy consists of 20 annual payments of 85,000.

Interest rates from 5.5% to 7.5% were used, and i have to find the prices payable in the 2 years to secure this annuity.

I noticed that the higher the interest rates, the lower the price payable.

Can anyone write a brief report as to why this happens?

]]> http://paymentsannuity.com/annuities-and-interest-rates/feed 1 What company has the best fixed or indexed annuities? http://paymentsannuity.com/what-company-has-the-best-fixed-or-indexed-annuities http://paymentsannuity.com/what-company-has-the-best-fixed-or-indexed-annuities#comments Fri, 26 Mar 2010 23:21:12 +0000 Editor http://paymentsannuity.com/what-company-has-the-best-fixed-or-indexed-annuities I am a new producer and want to provide my clients a good safe investment. My average client is 60 years plus. I am interested in the fixed and indexed annuities. Please give me your advise or opinions on the companies and products you feel best about putting your clients in. Thanks and have a great day. Scott

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]]> http://paymentsannuity.com/all-about-annuities-safe-investment-havens-for-high-profit-returns/feed 0 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 http://paymentsannuity.com/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 http://paymentsannuity.com/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#comments Fri, 26 Mar 2010 06:22:20 +0000 Editor http://paymentsannuity.com/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

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]]> http://paymentsannuity.com/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/feed 5 Finance help needed-interest rate, money markets, annuities? http://paymentsannuity.com/finance-help-needed-interest-rate-money-markets-annuities http://paymentsannuity.com/finance-help-needed-interest-rate-money-markets-annuities#comments Fri, 26 Mar 2010 05:53:48 +0000 Editor http://paymentsannuity.com/finance-help-needed-interest-rate-money-markets-annuities Money markets are markets for
Foreign currencies.
Consumer automobile loans.
Corporate stocks.
Long-term bonds.
Short-term debt securities such a Treasury bills.

2. Which of the following statements is CORRECT?

The most important difference between spot markets versus futures markets is the maturity of the instruments that are traded. Spot market transactions involve securities that have maturities of less than one year whereas futures markets transactions involve securities with maturities greater than one year.

Capital market transactions involve only preferred stock or common stock.

If General Electric were to issue new stock this year, it would be considered a secondary market transaction since the company already has stock outstanding.

Both Nasdaq dealers and “specialists” on the NYSE hold inventories of stocks.

Money market transactions do not involve securities denominated in currencies other than the U.S. dollar.

3. If the stock market is semistrong-form efficient, which of the following statements would be CORRECT?

The required returns on all stocks are the same, and the required returns on stocks are higher than the required returns on bonds.

The required returns on stocks equal the required returns on bonds.

A trading strategy in which you buy stocks that have recently fallen in price is likely to provide you with a return that exceeds the return on the overall stock market.

If you have insider information about a particular stock, you cannot expect to earn an above average return on this information because it is already incorporated into the current stock price.

Even if a market is semistrong-form efficient, an investor could still earn a better return than the market return if he or she had inside information.

4.
Suppose 1-year T-bills currently yield 5.00% and the future inflation rate is expected to be constant at 3.10% per year. What is the real risk-free rate of return, r*? Disregard cross-product terms, i.e., if averaging is required, use the arithmetic average.

1.90%

2.00%

2.10%

2.20%

2.30%

5.
Suppose the real risk-free rate is 3.50%, the average future inflation rate is 2.25%, and a maturity premium of 0.10% per year to maturity applies, i.e., MRP = 0.10%(t), where t is the years to maturity. What rate of return would you expect on a 5-year Treasury security, assuming the pure expectations theory is NOT valid? Disregard cross-product terms, i.e., if averaging is required, use the arithmetic average.

5.95%

6.05%

6.15%

6.25%

6.35%

6.
Which of the following would be most likely to lead to a higher level of interest rates in the economy?

Households start saving a larger percentage of their income.

Corporations step up their expansion plans and thus increase their demand for capital.

The level of inflation begins to decline.

The economy moves from a boom to a recession.

The Federal Reserve decides to try to stimulate the economy.

7.
Assume that interest rates on 20-year Treasury and corporate bonds are as follows:

T-bond = 7.72% A = 9.64%

AAA = 8.72% BBB = 10.18%

The differences in rates among these issues were caused primarily by

Tax effects.

Default risk differences.

Maturity risk differences.

Inflation differences.

Real risk-free rate differences

]]> http://paymentsannuity.com/finance-help-needed-interest-rate-money-markets-annuities/feed 1 Swiss Annuities and Life Insurance: Secure Returns, Asset Protection, and Privacy http://paymentsannuity.com/swiss-annuities-and-life-insurance-secure-returns-asset-protection-and-privacy http://paymentsannuity.com/swiss-annuities-and-life-insurance-secure-returns-asset-protection-and-privacy#comments Thu, 25 Mar 2010 09:21:37 +0000 Editor http://paymentsannuity.com/swiss-annuities-and-life-insurance-secure-returns-asset-protection-and-privacy

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]]> http://paymentsannuity.com/swiss-annuities-and-life-insurance-secure-returns-asset-protection-and-privacy/feed 3 Do you need to have good credit in order to get your insurance license to sell fixed annuities? http://paymentsannuity.com/do-you-need-to-have-good-credit-in-order-to-get-your-insurance-license-to-sell-fixed-annuities http://paymentsannuity.com/do-you-need-to-have-good-credit-in-order-to-get-your-insurance-license-to-sell-fixed-annuities#comments Wed, 24 Mar 2010 20:21:25 +0000 Editor http://paymentsannuity.com/do-you-need-to-have-good-credit-in-order-to-get-your-insurance-license-to-sell-fixed-annuities I have been offered a job with a financial company that is a broker who sells cd’s, fixed annuities, IRA’s etc and was told that you have to have very good credit in order to get your license and be appointed by the larger insurance companies whose products you will be selling. If so what sort of items are looking for on your credit report.

]]> http://paymentsannuity.com/do-you-need-to-have-good-credit-in-order-to-get-your-insurance-license-to-sell-fixed-annuities/feed 2 Which of these annuities would have the greatest present value? http://paymentsannuity.com/which-of-these-annuities-would-have-the-greatest-present-value http://paymentsannuity.com/which-of-these-annuities-would-have-the-greatest-present-value#comments Wed, 24 Mar 2010 03:22:28 +0000 Editor http://paymentsannuity.com/which-of-these-annuities-would-have-the-greatest-present-value 10-yr annuities, assuming they all have the same interest rate. Which of these 10-yr annuities would have the highest present value?

One that pays $500 at the beginning of every 6 months, one that pays $500 at the end of each 6 months, one that pays $1000 at the beginning of each year, or one that pays $1000 at the end of each year?

]]> http://paymentsannuity.com/which-of-these-annuities-would-have-the-greatest-present-value/feed 2 Can someone tell me what would be a good company to purchase annuities for retirement? http://paymentsannuity.com/can-someone-tell-me-what-would-be-a-good-company-to-purchase-annuities-for-retirement http://paymentsannuity.com/can-someone-tell-me-what-would-be-a-good-company-to-purchase-annuities-for-retirement#comments Tue, 23 Mar 2010 10:21:03 +0000 Editor http://paymentsannuity.com/can-someone-tell-me-what-would-be-a-good-company-to-purchase-annuities-for-retirement I am not familiar with annuities so I would appreciate any and all information that I get. What would I have to do or who would I need to contact about buying annuities.

]]> http://paymentsannuity.com/can-someone-tell-me-what-would-be-a-good-company-to-purchase-annuities-for-retirement/feed 3 What effects will a high or low interest rate have on annuities? http://paymentsannuity.com/what-effects-will-a-high-or-low-interest-rate-have-on-annuities http://paymentsannuity.com/what-effects-will-a-high-or-low-interest-rate-have-on-annuities#comments Sun, 21 Mar 2010 21:52:24 +0000 Editor http://paymentsannuity.com/what-effects-will-a-high-or-low-interest-rate-have-on-annuities Say an interest rate of 5.5% and 7.5%.

]]> http://paymentsannuity.com/what-effects-will-a-high-or-low-interest-rate-have-on-annuities/feed 1 Where can I find the best information on annuities so I can make an informed purchase and where should I buy? http://paymentsannuity.com/where-can-i-find-the-best-information-on-annuities-so-i-can-make-an-informed-purchase-and-where-should-i-buy http://paymentsannuity.com/where-can-i-find-the-best-information-on-annuities-so-i-can-make-an-informed-purchase-and-where-should-i-buy#comments Sun, 21 Mar 2010 07:21:14 +0000 Editor http://paymentsannuity.com/where-can-i-find-the-best-information-on-annuities-so-i-can-make-an-informed-purchase-and-where-should-i-buy My husband and I just fired our financial advisor. Over the last 8 years this advisor who charged us fees had lost us approximately $1.2 million in the value of our account. We were in a diversified portfolio of about 8 mutual funds plus 2 bond funds (medium & long term) and some adjustments have been made along the way. We were told and were presented evidence back in the mid 90’s that there had never been a rolling 10 year period where stock prices had negative returns. Except now.

We have now decided to put our money where everyone else goes for protection, insurance companies! Many insurance companies have been around for over 100 years. Yes, some do fail but compared to everything else out there they are very safe.

We want to put our money into annuities which pay interest each year. We also understand annuities are available that pay interest based on a stock index. Also, in 1 year we want to begin to receive a fixed monthly income for life from an immediate annuity.

]]> http://paymentsannuity.com/where-can-i-find-the-best-information-on-annuities-so-i-can-make-an-informed-purchase-and-where-should-i-buy/feed 8 How can I go about getting my license for life insurance, health and annuities? http://paymentsannuity.com/how-can-i-go-about-getting-my-license-for-life-insurance-health-and-annuities http://paymentsannuity.com/how-can-i-go-about-getting-my-license-for-life-insurance-health-and-annuities#comments Sat, 20 Mar 2010 14:21:10 +0000 Editor http://paymentsannuity.com/how-can-i-go-about-getting-my-license-for-life-insurance-health-and-annuities I want to get my life, health and annuities license without being backed by a company. I just think it would be something good to have. I have looked all over the internet but couldn’t find an answer. Does anyone know how I go about qualifying or scheduling to take a test to get my license? And help would be great. Thanks in advance!

]]> http://paymentsannuity.com/how-can-i-go-about-getting-my-license-for-life-insurance-health-and-annuities/feed 4 Understanding Annuities, Insurance, and Retirement Systems http://paymentsannuity.com/understanding-annuities-insurance-and-retirement-systems http://paymentsannuity.com/understanding-annuities-insurance-and-retirement-systems#comments Fri, 19 Mar 2010 21:21:29 +0000 Editor http://paymentsannuity.com/understanding-annuities-insurance-and-retirement-systems

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]]> http://paymentsannuity.com/understanding-annuities-insurance-and-retirement-systems/feed 0 How are mathematics used in mortgages and annuities? http://paymentsannuity.com/how-are-mathematics-used-in-mortgages-and-annuities http://paymentsannuity.com/how-are-mathematics-used-in-mortgages-and-annuities#comments Fri, 19 Mar 2010 04:23:17 +0000 Editor http://paymentsannuity.com/how-are-mathematics-used-in-mortgages-and-annuities How is the application of mathematics used in calculating ones own mortgages and annuities? Are there any related charts, formulae, graphs, or images?

]]> http://paymentsannuity.com/how-are-mathematics-used-in-mortgages-and-annuities/feed 2 Equity-Indexed Annuities: The Smart Consumer’s Guide http://paymentsannuity.com/equity-indexed-annuities-the-smart-consumers-guide http://paymentsannuity.com/equity-indexed-annuities-the-smart-consumers-guide#comments Wed, 17 Mar 2010 18:21:31 +0000 Editor http://paymentsannuity.com/equity-indexed-annuities-the-smart-consumers-guide

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]]> http://paymentsannuity.com/equity-indexed-annuities-the-smart-consumers-guide/feed 5 How is NJ and Federal Estate and Income Tax handled for annuities and life insurance? http://paymentsannuity.com/how-is-nj-and-federal-estate-and-income-tax-handled-for-annuities-and-life-insurance http://paymentsannuity.com/how-is-nj-and-federal-estate-and-income-tax-handled-for-annuities-and-life-insurance#comments Tue, 16 Mar 2010 08:23:42 +0000 Editor http://paymentsannuity.com/how-is-nj-and-federal-estate-and-income-tax-handled-for-annuities-and-life-insurance Serving as executor – both parents passed in 2005. How is the Estate and Income Tax handled for both New Jersey and Federal returns on Annuities and Life/Term Insurance. Not sure what is taxable as Income and what is taxable to Estate. Also, not sure who pays the taxes, beneficiary or estate on the income tax – assuming there is a income tax liability.

]]> http://paymentsannuity.com/how-is-nj-and-federal-estate-and-income-tax-handled-for-annuities-and-life-insurance/feed 1 The Consumer’s Guide to Swiss Annuities http://paymentsannuity.com/the-consumers-guide-to-swiss-annuities http://paymentsannuity.com/the-consumers-guide-to-swiss-annuities#comments Mon, 15 Mar 2010 17:21:20 +0000 Editor http://paymentsannuity.com/the-consumers-guide-to-swiss-annuities

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]]> http://paymentsannuity.com/the-consumers-guide-to-swiss-annuities/feed 5 How can I find the annuities of a family member after death? http://paymentsannuity.com/how-can-i-find-the-annuities-of-a-family-member-after-death http://paymentsannuity.com/how-can-i-find-the-annuities-of-a-family-member-after-death#comments Mon, 15 Mar 2010 15:21:36 +0000 Editor http://paymentsannuity.com/how-can-i-find-the-annuities-of-a-family-member-after-death I have a family member that has passed and she had multiple very large annuities and none of the existing relatives can find them. How do you find the annuities? Thanks!

]]> http://paymentsannuity.com/how-can-i-find-the-annuities-of-a-family-member-after-death/feed 1 The Truth About Buying Annuities http://paymentsannuity.com/the-truth-about-buying-annuities http://paymentsannuity.com/the-truth-about-buying-annuities#comments Sun, 14 Mar 2010 12:28:52 +0000 Editor http://paymentsannuity.com/the-truth-about-buying-annuities

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]]> http://paymentsannuity.com/the-truth-about-buying-annuities/feed 4 After someone dies, are Annuities that are part of a trust considered income the beneficieres pay taxes on? http://paymentsannuity.com/after-someone-dies-are-annuities-that-are-part-of-a-trust-considered-income-the-beneficieres-pay-taxes-on http://paymentsannuity.com/after-someone-dies-are-annuities-that-are-part-of-a-trust-considered-income-the-beneficieres-pay-taxes-on#comments Sun, 14 Mar 2010 05:21:12 +0000 Editor http://paymentsannuity.com/after-someone-dies-are-annuities-that-are-part-of-a-trust-considered-income-the-beneficieres-pay-taxes-on The Annuities have been cashed out and the question is if they are considered income the beneficieres have to pay Federal or State taxes on.

]]> http://paymentsannuity.com/after-someone-dies-are-annuities-that-are-part-of-a-trust-considered-income-the-beneficieres-pay-taxes-on/feed 1