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Why look into annuities? If you're a Baby Boomer with little or no pension and most of your money in low-interest savings accounts, an annuity may be the key to a secure and comfortable retirement. How can you find out whether an annuity is right for you? Read Annuities For Dummies.This plain-English guide is packed with the latest information on choosing the best annuity for your retirement needs. You'll find out exactly what annuities are, whether they're the right financial vehicle for you, and which of the many annuity options might have your name on it. You'll learn the ins and outs of using annuities to fund your retirement years, figure out whether to stress investments with insurance or insurance with investments, and find out how the right combination of annuities can help you squeeze more income out of your savings that any other financial tool. Discover how to:Identify the main types of annuitiesWeigh the pros and cons of annuities for yourselfMinimize the complexity and cost of your annuity investmentFigure out how much money to commitAvoid common annuity pitfallsCreate an income you can't outliveThe time to start securing your financial future is now. Annuities For Dummies gives you knowledge, insider tips, and expert advice you need to make your money do its best for you.

People seem to either love annuities or hate them. Those that love annuities are often blinded by the product? limitations, thereby giving more fuel to those that hate annuities. Those that hate annuities are often ignorant about many key aspects of annuities. Like in most debates, the truth is typically somewhere in the middle. While annuities can solve many financial planning problems, they can? solve them all. In fact, in my experience the biggest misuse of annuities typically occurs when advisors expect them to do too much. Unlike when I started in the industry, today there are numerous books and articles on annuities - including ?nnuities for Dummies? While some of these books are quite informative, I find that most of them are heavy and dense. They read too much like textbooks or get mired in the mechanics of the annuity contract, or both. I hope you find this book to be both an easy read as well as a balanced account of what annuities can and can? do for an individual? retirement portfolio.

146 pages. 9.00x6.00x0.33 inches. In Stock.

This book provides a summary of research on life annuities, longevity insurance, and their role in the “optimal” retirement portfolio. It starts with an overview of institutional aspects, moves on to discuss valuation issues, and concludes with a comprehensive review of the scholarly literature.

An investment counselor defines the world of annuities, details the advantages and disadvantages of annuities, and describes the ten best fixed-rate and the ten best variable rate annuities

Annuities have become one of the most popular ways to save for retirement and also one of the most misunderstood, overhyped, and dangerous investment vehicles available today. Some annuities are worth the money... but too many are flawed, overpriced, and packed with hidden fees that make them absolutely horrible investments. In The Truth About Buying Annuities, consumer finance expert Steven Weisman helps you make smart decisions about annuities and avoid the lies, misrepresentations, and ripoffs that await uninformed investors. From start to finish, Weisman delivers quick, bite-size, just-the-facts information and plain-English explanations you can actually use. You'll learn all you need to know about immediate, deferred, and variable annuities; actively-managed vs. indexed annuities; inflation-protected and tax-sheltered annuities; and more. Weisman explains the impact of annuities on taxes, Medicare, Medicaid, long-term care, and your other retirement plans. He presents crucial, hard-to-find information about death benefits, joint and survivor annuities, alternatives to annuities, assessing annuity risk, avoiding scams, and even how to escape from a bad annuity you've already purchased. Unlike some books on annuities, this one's simple to read, simple to use, up-to-date, and complete: it's the only annuity guide you need!

The essays in this volume offer a state-of-the-art analysis of a heretofore somewhat neglected part of financial history: the way in which urban governments in Western Europe during the late Middle Ages and early Modern Times handled the public debts their cities were confronted with. The technical aspects of the sale of annuities (renten, rentes) may have already been abundantly studied, but the links with social and political history still needed to be tackled. Who bought these annuities and thus participated in sharing the burden and profits which were likely to arise from them? What were their motives? How did the obvious links with urban elites work? And, perhaps most significantly, how did these occasional sales evolve into a structural way of linking financially important private persons with public finances, in the context both of cities and of growing states, since often the cities needed the money on a short-term basis in order to accomplish their own financial obligations toward 'the state'. Participants in the colloquium where a large number of the essays were first presented represent in the first place the urban strongholds of Europe in the period under scrutiny: the Low Countries and Northern and Central Italy, but the Swiss cities, the cities of Aragon, London and papal Rome are also considered.

This text is listed in the Course of Reading for SOA Fellowship study in the Advanced Finance/ERM and Individual Life & Annuities specialties. This text addresses the many issues and considerations involved in reinsurance for life, health and annuity products. Although written by actuaries, it may be read by anyone interested in the topic and does not require an actuarial background. Starting with basic concepts and definitions, the book builds through discussions of the various plans of reinsurance, regulatory issues, accounting and tax implications, administrative necessities, and international considerations to a discussion of some of the currently used complex applications of reinsurance. It is a valuable complete reference book addressing all issues affecting reinsurance. This also makes it an excellent continuing education resource. The Third Edition of the text updated the original work to reflect the many changes that occurred since the text's original publication, especially in the areas of regulation and taxation.

Getting Started in annuities One of the most popular retirement investment options, annuities are also among the most difficult to comprehend. This handy volume provides an in-depth, easy-to-understand look at these complex instruments, revealing exactly what they are, how they work, and what advantages they have over other investment vehicles. Along with performance tables, sample portfolios, and a helpful Q & A section, you'll find up-to-date details on tax law changes, as well as complete information on:

This text is listed in the Course of Reading for SOA Fellowship study in the Advanced Finance/ERM and Individual Life & Annuities specialties. This text addresses the many issues and considerations involved in reinsurance for life, health and annuity products. Although written by actuaries, it may be read by anyone interested in the topic and does not require an actuarial background. Starting with basic concepts and definitions, the book builds through discussions of the various plans of reinsurance, regulatory issues, accounting and tax implications, administrative necessities, and international considerations to a discussion of some of the currently used complex applications of reinsurance. It is a valuable complete reference book addressing all issues affecting reinsurance. This also makes it an excellent continuing education resource. The Third Edition of the text updated the original work to reflect the many changes that occurred since the text's original publication, especially in the areas of regulation and taxation.

As a veteran of the financial services industry, I realize the importance of the position I have been placed in to help others. As our industry has evolved, we have taken on a greater responsibility to make sure we do right by others through adherence to ethics and acquiring as much education as we possibly can. After being in the business for over twenty-five years, I've come to really appreciate what we do and how we do it to the point where I am now mentoring others in our business. The key word that I stress to all in our mentor program is “lifetime” because it gives peace of mind to seniors who fear outliving their money. I love the television commercial with the college professor who is conducting a study for the Prudential Life Insurance Company, asking people who the oldest person is that they know. I also enjoy the ad that has people pulling a blue ribbon until their money runs out (usually before they expect). And the woman looks up and says “I better rethink this thing.” Those commercials portray exactly what our clients fear most-running out of money.

Life, Health & Annuity Reinsurance addresses the many issues and considerations involved in reinsurance for life, health and annuity companies. Although written by actuaries, it may be read by anyone interested in the topic and does not require an actuarial background. The fourth edition of the text updates the third edition to reflect the many changes that have occurred in the past ten years, especially in the areas of regulation and taxation, and adds considerable Canadian reinsurance content.

288 pages. 8.90x6.00x0.70 inches. In Stock.

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With pension plans becoming an endangered species, more and more Americans are now dependent on their 401k. With no other solutions in sight, investors have watched their balances go up and down like a roller coaster at a theme park. In What Should I Do with My 401k?, author Tim Clairmont answers the question on everyone’s mind: What should I do with my 401k? This veteran _fiduciary, who is gifted at making the complicated simple and easy to understand, shares the facts and circumstances behind annuities, managed money, mutual funds, ETFs, and the limited array of options for the investment of your 401k plan. Whether you’re an expert or starting from scratch, Tim gives enough information to help you make your own decisions about the approach you want to use. Answering a host of questions, and offering a clear view of the investment landscape, What Should I Do with My 401k? provides useful advice about retirement planning and investment choices.

You're no idiot, of course. You have a responsible job, manage the family finances and help the kids with their science projects. But when it comes to buying insurance, you're so overwhelmed that you're ready to say yes to almost any policy. Don't sign on the dotted line! In The Complete Idiot's Guide to Buying Insurance and Annuities you get:

This 2006 book introduces and develops the basic actuarial models and underlying pricing of life-contingent pension annuities and life insurance from a unique financial perspective. The ideas and techniques are then applied to the real-world problem of generating sustainable retirement income towards the end of the human life-cycle. The role of lifetime income, longevity insurance, and systematic withdrawal plans are investigated in a parsimonious framework. The underlying technology and terminology of the book are based on continuous-time financial economics by merging analytic laws of mortality with the dynamics of equity markets and interest rates. Nonetheless, the book requires a minimal background in mathematics and emphasizes applications and examples more than proofs and theorems. It can serve as an ideal textbook for an applied course on wealth management and retirement planning in addition to being a reference for quantitatively-inclined financial planners.

The Advisor's Guide to Annuities provides objective, impartial guidance on what annuities can and cannot do, their costs, and what risk-management features annuities offer. All delivered in easy-to-read language.

Designed for professionals who need to know how and when annuities work, The Advisor's Guide to Annuities provides objective, impartial guidance on what annuities can and cannot do, their costs, and what risk-management features annuities offer. All delivered in easy-to-read language.