Annuities Explained Information

The Annuity Handbook [Paperback]

2012-01-20T18:25:00.000-08:00

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The Financial Insider's Annuity Guide: Understanding Annuities And Your Financial Portfolio [Paperback]

2012-01-20T07:03:00.000-08:00

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Annuities For Dummies [Paperback] review

2012-01-20T04:15:00.000-08:00

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Use annuities to build your own pension
Will annuities work for you? Get the nitty-gritty on these financial tools

Are you a baby boomer who's about to retire? Are you concerned about your financial future? Relax. This plain-English guide will walk you through the ins and outs of using annuities to fund your retirement years. Find out what annuities are, whether they're the right financial vehicle for you, and which of the many options might have your name on it.

Discover how to:

Make sense of annuities

Weigh all the pros and cons

Figure out how much money to commit

Create an income you can't outlive

Avoid common annuity pitfalls
Kerry Pechter is the senior editor of Annuity Market News. As a reporter who writes about annuities and the annuity industry full-time and as a former marketing writer who specialized in annuities at The Vanguard Group, he brings both an outsider’s and an insider’s perspective to the writing of this book.
A financial journalist for many years, Kerry has written for the New York Times, the Wall Street Journal, the Los Angeles Times, and many other national and regional publications. His previous books include two career guides, A Big Splash in a Small Pond: How to Get a Job in a Small Company (Fireside) and An Engineer’s Guide to Lifelong Employability (IEEE). He is a graduate of Kenyon College.

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The Ultimate Depression Survival Guide: Protect Your Savings, Boost Your Income, and Grow Wealthy Even in the Worst of Times [Hardcover] price

2012-01-19T23:38:00.000-08:00

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With no end to the global debt crisis in sight and the American economy sinking into depression, traditional advice on money could lead millions of innocent victims down the road of deepening losses. But with this timely book, Martin Weiss will guide you to the truly safe havens and show you how to turn this crisis into a unique wealth-building opportunity.

As Editor of the Safe Money Report and author of Crash Profits, Martin Weiss specifically warned of this crisis well before it began. He helped thousands of investors avoid losses by forecasting the financial difficulties of Washington Mutual, Wachovia Bank, Fannie Mae, Lehman Brothers, General Motors, and Citigroup—plus nearly every major troubled firm—well in advance. Indeed, the accuracy of his analysis is why the U.S. Government Accountability Office has praised his work; the New York Times wrote that he was "the first to warn of the dangers and say so unambiguously"; and the Wall Street Journal reported that his company's research outperformed that of all Wall Street firms they covered.

Martin Weiss's father, one of the only economists in the modern era who not only advised investors during the 1930s Great Depression, but also predicted it, performed a similar service for investors. And now, with The Ultimate Depression Survival Guide, Weiss combines the past analysis of his father with his own contemporary insights to help you protect your money, improve your income, and build wealth in the worst of times.

Step by step, Weiss outlines effective strategies that will help you to sidestep the continuing dangers in stocks, cut your losses in real estate, escape a banking crisis, build a substantial cash nest egg, and put that cash away in the safest possible place. If you feel you're stuck with sinking real estate or falling stocks, he offers you a solution that will help you sleep at night despite continuing market declines. Plus, he shows you how to recognize the ultimate bottom in real estate and stocks, giving you the opportunity to buy choice assets at bargain prices.

For the duration of this crisis—and beyond—you can also benefit from regular follow-up e-mails directly from the author. Visit www.moneyandmarkets.com/guide to sign up for free financial updates such as critical warnings on upcoming dangers and new opportunities as they arise.

To survive the crisis on Wall Street and Main Street, you don't need extensive investing experience or the ability to forecast the future. All you need is the courage to get out of its way. So throw out your preconceived notions, start with a clean slate, and follow the commonsense guidance found in this reliable resource to survive—and thrive—during the turbulent times ahead.
"Absolutely provocative! Martin Weiss's prediction of the current economic crisis is uncanny. A must-read for the investor who wants to know what happens next!"
—CHRISTOPHER RUDDY, Editor, Newsmax.com
Martin Weiss was "the first to warn of the dangers and say so unambiguously."
—THE NEW YORK TIMES

"Depressions don't happen very often. Psychologically and practically, people are never prepared for them. Martin Weiss has done an excellent job of helping readers understand what they must do to adapt to the grim realities of a depressed economy."
—BILL BONNER, President and CEO of Agora Financial; bestselling author of Mobs, Messiahs, and Markets and Empire of Debt

Weiss is "the leader in identifying vulnerable companies."
—BARRON'S

"The author's father, Irving Weiss, was a historian of deflation. It's a shame he is not around to see the result of the unrestrained credit expansion that he so consistently warned against. Fortunately, his son carried on the legacy of his father with intelligence and aplomb."
—ROBERT R. PRECHTER Jr., author of Conquer the Crash

"In a lively and informative read, veteran investment analyst Martin Weiss provides meaningful insight into the financial dangers confronting us and serves up a course of action to avoid further wealth destruction."
—DAN DORFMAN, financial columnist and commentator

"Dr. Weiss shares with us his unequaled advice for investors during these frightening times. The valuable insight in this book is vital information for all investors looking for safe harbor in a very choppy ocean."
—KEVIN KERR, Editor, Global Commodities Alert

"This is Weiss's best book ever and so appropriate for the tough times! He tells all the steps we need to take now to protect ourselves and our families from financial disasters."
—STEVE CROWLEY, Host, American Scene Radio and WallStreetCast Television

"Martin's work is always clear, direct, and actionable. Read this book and you'll have a plan for growing your wealth rather than losing it in the difficult period ahead."
—Addison Wiggin, Executive Publisher, Agora Financial LLC; author, I.O.U.S.A.

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Personal Financial Planning Manual (RSM Bentley Jennison Financial Management) [Paperback]

2012-01-19T17:15:00.000-08:00

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2012 (2009) price

2012-01-19T09:47:00.000-08:00

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Now this is how you destroy the world. Roland Emmerich's 2012 pounces on a Nostradamus-style loophole in the Mayan calendar and rams the apocalypse through it, gleefully conjuring up an enormous amount of Saturday-matinee fun in the process. A scientist (Chiwetel Ejiofor) detects shifting continental plates and sun flares and realizes that this foretells the imminent destruction of the planet. Just as the molten lava is about to hit the fan, a novelist (John Cusack) takes his kids on a trip to Yellowstone; later he'll hook up with his ex (Amanda Peet) and her new boyfriend (Tom McCarthy) in a global journey toward safety. If there is any safety. The suitably hair-raising plot lines are punctuated--frequently, people, frequently--by visions of mayhem around the globe: the Vatican falls over, the White House is clobbered (Emmerich's Independence Day was not enough on that score), and the California coastline dives into the Pacific Ocean. Unlike other action directors we could name, Emmerich actually understands how to let you see and drink in these vast special-effects vistas--and they are incredible. He also honors the old Irwin Allen disaster-movie tradition by actually shelling out for good actors. Cusack and Ejiofor are convincing even in the cheesiest material; toss in Danny Glover (the U.S. president), Woody Harrelson (a nut-bar conspiracy-theorizing radio host), Thandie Newton, and Oliver Platt, and you've got a very watchable batch of people. Emmerich hasn't developed an ear for dialogue, even at this stage in his career, and the final act goes on a bit too long. This is a very silly movie, but if you've got a weakness for B-movie energy and hairbreadth escapes, 2012 delivers quite a bit of both. --Robert Horton

Stills from 2012 (Click for larger image)

From Roland Emmerich, director of THE DAY AFTER TOMORROW and INDEPENDENCE DAY, comes the ultimate action-adventure film, exploding with groundbreaking special effects. As the world faces a catastrophe of apocalyptic proportions, cities collapse and continents crumble. 2012 brings an end to the world and tells of the heroic struggle of the survivors. Starring John Cusack, Chiwetel Ejiofor, Amanda Peet, Woody Harrelson and Danny Glover.

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The Courage to Be Rich: Creating a Life of Material and Spiritual Abundance [Hardcover]

2012-01-18T16:32:00.000-08:00

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Talk about an audacious title! But Suze (pronounced "Suzie") Orman means business in this anecdote-rich compendium of tips on 401(k)s, marriage, homes, and happiness. The PBS star/financial adviser has made plenty of the mistakes she warns against, like getting a 30-year mortgage instead of a cheaper 15-year, using Visa cards as magic carpets to calamity, and losing $20,000 in borrowed bucks to bum investment advice. Then she became a Merrill Lynch broker and an author capable of selling 10,000 books in 12 minutes on QVC.
Orman's point--in this and her No. 1 bestseller The 9 Steps to Financial Freedom--is that you'd better face fiscal facts and avoid fear, denial, and the self-fulfilling low expectations the novelist William Wharton called "the Poverty Mind." America is a nation of check-bouncing, late-fee-incurring, guilty bad planners. How long will it take to pay off that $3,000 Visa bill with minimum payments? Thirty years, you poor, dear fool! What would you gain if you bought stocks instead of your daily latte for 30 years? $165,152! Her book might've been titled The Courage Not to Be a Self-Sabotaging Neurotic.

Orman is the Andrew Weil of money health--she yearns to enrich your life emotionally, too. If you can't stand discussions of the psychological origins of fiscal decisions, or self-help lingo like "money is attracted to people who are strong and powerful, respectful of it, and open to receiving it," you'll want a more nuts-and-bolts adviser. If you want pep talk, true tales of woe and makeovers, and a jolt of a true pop culture phenomenon, Suze is for you. --Tim Appelo
Having shown us The 9 Steps to Financial Freedom, Orman now explains how we can achieve both financial and spiritual well-being simultaneously.
Copyright 1998 Reed Business Information, Inc.

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Guidebook to New Jersey Taxes (Cch State Guidebooks) [Perfect Paperback]

2012-01-18T08:54:00.000-08:00

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Susan A. Feeney, J.D., concentrates her practice in the area of state and local taxation. She has considerable experience in litigating tax appeal cases involving office complexes, hotels, data centers, golf course properties and manufacturing facilities. Ms. Feeney represents business clients on state taxes, including tax planning issues, nexus issues and substantive tax issues. She has extensive experience in New Jersey sales and use tax law and frequently provides planning strategies for clients in the sales and use tax area. She has handled administrative matters before the Division of Taxation and she has litigated precedent-setting cases in the New Jersey Tax Court. Ms. Feeney lectures on sales and use tax and property tax and she also speaks to county tax board administrators and assessors on property tax matters. She is an adjunct professor of state tax at Fairleigh Dickinson University. Ms. Feeney is the author of numerous publications. She earned her B.S. Degree from Seton Hall University and her J.D. from Fordham University School of Law. Michael A. Guariglia, J.D., concentrates his practice in federal, state and local tax law. He frequently represents clients in tax controversies before federal and state administrative bodies and in the federal courts and the Tax Court of New Jersey. His practice also includes various tax, business and estate planning services to medium and small businesses and their owners. He serves as an adjunct professor at Rutgers University Graduate School of Management and Rutgers Law School. Mr. Guariglia earned his B.A. and J.D. degrees from Rutgers University and LL.M. in Taxation from New York University.

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Life and Health Insurance License Exam Cram [Paperback] review

2012-01-18T08:18:00.000-08:00

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Author Bio

About BISYS

The BISYS Group, Inc. (NYSE: BSG), headquartered in New York City, provides solutions that enable insurance companies, investment firms, and banks to expand their businesses and run their operations more profitably. BISYS currently supports more than 22,000 domestic and international financial institutions and corporate clients through several business units.

BISYS Education Services is the nation's premier provider of licensing preparation, continuing education, and professional development courses for life, health, long-term care, annuity, and property-casualty insurance products as well as investments. This unit complements its education services with a comprehensive compliance management solution that supports insurance and investment firms and professionals with a sophisticated suite of services that automate the entire licensing process.

BISYS Insurance Services is the nation's largest independent distributor of life insurance and provider of support services required to sell traditional and variable life and annuity products as well as long-term care and disability insurance. This unit is also the nation's second largest independent wholesale distributor of commercial property/casualty insurance.

BISYS Investment Services group provides administration and distribution services for approximately 380 clients, representing more than 2,200 mutual funds, hedge funds, private equity funds, and other alternative investment products, with approximately $750 billion in assets under administration. It also provides retirement services to more than 18,000 companies in partnership with 40 of the nation's leading banks and investment management companies and offers analytical research and competitive information through its Financial Research Corporation (FRC) subsidiary.

BISYS' Information Services group supports approximately 1,450 banks, insurance companies, and corporations with industry-leading information processing and imaging solutions, turnkey asset retention solutions, and specialized corporate banking solutions. Additional information is available at http://www.bisys.com.

Eric Alan Anderson is Director of Insurance Education for BISYS Education Services, based in Indianapolis, Indiana. He has almost 25 years of experience creating training and test preparation materials for the financial services industry. In addition to authoring 17 insurance training texts and editing 8 others, he has written newsletters and magazine articles and has developed materials for audio cassette/workbook, videotape, computer disk, and the Web. He has also taught basic English skills courses at the college level and has made presentations to national conferences of insurance associations.

Matt McClure is Editor of Life/Health Products for BISYS Education Services. He maintains 42 titles on BISYS Education Services' course list, including the Life/Health Concepts license preparation text and its supplementary review materials. Formerly a freelance writer and editor, his work has appeared in numerous nationally published books and magazines. He is a licensed life and health insurance producer.

Richard A. Morin, CIC, is a contract author based in Los Angeles, California. He has 35 years of experience writing and training on a broad range of subjects for the financial services industry. For several years he was an editor for a major insurance training publisher, and he has also worked as an insurance underwriter, a rating supervisor, and a licensed insurance and mutual fund sales representative.
© Copyright Pearson Education. All rights reserved.
Introduction
Welcome to Life and Health Insurance Licensing Exam Cram 2! Whether this is your first or your fifteenth Exam Cram 2 series book, you'll find information here that will help ensure your success as you pursue knowledge, experience, and certification. This introduction explains state insurance licensing programs in general and talks about how the Exam Cram 2 series can help you prepare for your state insurance licensing exam. Chapters 1 through 19 are designed to remind you of everything you need to know in order to take—and pass—your state insurance licensing exam. The two sample tests at the end of the book should give you a reasonably accurate assessment of your knowledge—and, yes, we provide the answers and their explanations to the tests. Read the book and understand the material, and you stand a very good chance of passing the test.

Exam Cram 2 books help you understand and appreciate the subjects and materials you need to pass state insurance licensing exams. Exam Cram 2 books are aimed strictly at test preparation and review. They do not teach you everything you need to know to pass the exam. Instead, we present and dissect the questions and problems I've found that you're likely to encounter on a test. I've worked to bring together as much information as possible about state insurance licensing exams.

Nevertheless, to completely prepare yourself for any state insurance licensing test, we recommend that you begin by taking the Self-Assessment that is included in this book, immediately following this introduction. The Self-Assessment tool will help you evaluate your knowledge base against the requirements for a state insurance licensing exam under both ideal and real circumstances.

Based on what you learn from the Self-Assessment, you might decide to begin your studies with some more comprehensive self-study or classroom training, some practice with state insurance exam simulators, or an audio review program. On the other hand, you might decide to pick up and read one of the many study guides available from third-party vendors on certain topics. We also recommend that you supplement your study program with a visit to your state insurance department's website to get all the details about how to get your insurance license as well as how to schedule and take your insurance licensing exam.

Getting an Insurance License
Licensing is the way governments assure that only qualified individuals are allowed to practice certain important professions, such as being an insurance producer. Because insurance is regulated primarily at the state level, the rules for getting an insurance license vary somewhat from state to state.

Every state requires individuals to pass a qualification exam to get an insurance license. In addition, most states require individuals to meet a prelicensing education requirement before they can take the qualification exam. In some states, the prelicensing education requirement can be met through an approved self-study course—that is, you buy a book that has been approved in advance by the state insurance department and take an exam (not to be confused with the licensing qualification exam) that you send in to be graded. In other states, the prelicensing education requirement can be met only by attending an approved classroom course.

Note - This Exam Cram text is not approved to meet the prelicensing education requirement in any state. It is designed only as a supplementary aid to help you pass the state insurance licensing exam.

Besides fulfilling any prelicensing education requirement and passing the licensing exam, insurance license candidates must also submit a license application to their state insurance department and have it approved. In some states, the license application must be submitted before taking the license qualification exam; in some states, it must be submitted after passing the exam. Call your state insurance department's licensing division or visit its website to find out what you need to do in your state.

Taking a Licensing Exam
As with other aspects of insurance licensing, specific instructions on how to register for your qualification exam are available from the insurance department. Ask for a licensing information bulletin or a licensing candidate handbook, which will describe where and when exams are given, the fees you must pay, and the testing procedures.

One thing all state insurance qualification exams have in common is that they are closed-book exams. You will not be allowed to take any study materials or notes into the testing room. Even phones and calculators might not be allowed. In some states, the only items exam candidates are permitted to take into the testing room are their wallet and keys.

In most states, insurance qualification exams are given on computers. However, you will not need any computer or typing skills to take the exam. You will be instructed on how to answer questions and given a short practice test to get comfortable with the equipment before the actual qualification exam begins.

When you complete a computer-administered exam, the software tells you immediately whether you passed or failed. Your states will have its own rules for retesting in the event you don't pass. Those rules will be described in your licensing information bulletin/candidate handbook.

How to Prepare for an Exam
Whether or not your state has a prelicensing education requirement, you'll want to study in preparation for the license qualification exam. And even if your state has a prelicensing education requirement, you'll probably want to do some additional studying to make sure you are fully prepared for the exam. Your options for additional study include the following:

Self-study courses—Publishers such as BISYS Education Services offer courses designed to allow you to study on your own for the licensing qualification exam. BISYS license training packages are available in either web-based or print-based formats and contain a number of components:

A Property-Casualty Concepts text, which covers all the non–state-specific topics on the licensing exam

Practice exams, which help you evaluate your comprehension of the material in the Concepts text

Explanations to answers on the practice exams, so you know why each of your responses was right or wrong

A state insurance law digest, which covers all the state-specific topics on the licensing exam

An optional audio CD review program, which reviews the key information contained in the Concepts text

An optional exam simulator, which gives you additional question-and-answer practice over the material covered in the Concepts text and the state insurance law digest

Classroom training—Many colleges and commercial training companies offer classroom training for insurance license exams. Although classroom training generally costs considerably more than self-study, some individuals find that they learn best in a classroom situation. And of course, in many states, the prelicensing education requirement must be met with classroom study in any case.

Other sources—There's no shortage of materials available on insurance topics. The "Need to Know More?" resource appendix at the end of this book will give you an idea of where we think you should look for further discussion.

In addition, you will surely find Que Publishing's Exam Cram 2 insurance licensing preparation materials useful in your quest for insurance knowledge. Exam Cram 2 books provide you with a review of the essential information you need to know to pass the tests. They focus on the detailed information in the Concepts texts available from BISYS Education Services. Together, the BISYS Education Services license training packages and the Exam Cram 2 review materials create a powerful exam preparation program.

This set of required and recommended materials represents an unparalleled collection of sources and resources for insurance licensing qualification and related topics. Our hope is you'll find that this book belongs in that company.

What This Book Will Not Do
This book by itself will not teach you everything you need to know to pass your insurance licensing exam. It does not cover the state-specific topics that appear on the exam, usually dealing with laws that apply only in your particular state. That information, although it represents a small proportion of the entire exam, is critical to passing the exam. State-specific topics are covered in the state insurance law digests available from BISYS Education Services. This book reviews the rest of what you need to know before you take the test, with the fundamental purpose dedicated to reviewing the non–state-specific information on the insurance licensing exam.

What This Book Is Designed to Do
This book uses a variety of teaching and memorization techniques to analyze the exam-related topics and to provide you with ways to input, index, and retrieve what you need to know in order to pass the test.

This book is designed to be read as a pointer to the areas of knowledge on the test. In other words, you may want to read the book through once to get an insight into how comprehensive your knowledge of insurance is. The book is also designed to be read shortly before you go for the actual test and to give you a distillation of the topics covered by the exam in as few pages as possible. We think you can use this book to get a sense of the underlying context of any topic in the chapters—or to skim-read for Exam Alerts,...

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Weiss Ratings Guide to Life and Annuity Insurers: A Quarterly Compilation of Insurance Company Ratings and Analyses, Spring 2012 (Weiss Ratings Guide to Life & Annuity Insurers) [Paperback] price

2012-01-17T11:18:00.000-08:00

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PASSTRAK Life and Health Insurance License Exam Manual, Fifth Edition [Paperback] price

2012-01-17T03:50:00.000-08:00

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Weiss Ratings Guide to Life & Annuity Insurers: Winter 2011/2012 [Paperback] price

2012-01-16T13:42:00.000-08:00

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Essentials of Federal Income Taxation for Individuals and Business (2012) [Perfect Paperback]

2012-01-16T08:26:00.000-08:00

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Linda M. Johnson, Ph.D., CPA, received her Bachelor of Science degree in Accountancy from the University of Illinois, Urbana-Champaign and her doctorate from Arizona State University. In her over 20 years of collegiate teaching of graduate and undergraduate tax courses, Professor Johnson has received over a dozen departmental, college, and university teaching awards, including the university's top teaching award while on the faculty at Northern Illinois University, and as a teaching assistant at Arizona State University. In addition to being the author of Essentials, Professor Johnson is the coordinating editor of CCH's Federal Tax Course. Her professional experience includes working in the tax department for three years at Arthur Young & Co. in Houston, Texas and as a faculty intern with Crowe Chizek & Co. at the Oakbrook, Illinois office. Professor Johnson has published several articles on topics in taxation at various professional journals, including the Journal of Accountancy, Taxes The Tax Magazine, The CPA Journal and The Tax Advisor.

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Weiss Ratings Guide to Life & Annuity Insurers Summer 2012 [Paperback]

2012-01-16T06:34:00.000-08:00

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Federal Taxation: Comprehensive Topics (2012) [Hardcover]

2012-01-15T19:03:00.000-08:00

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Ephraim P. Smith is the Vice-President of Academic Affairs at California State University-Fullerton. Philip J. Harmelink is the Chairman of the Accounting department at University of New Orleans. James R. Hasselback is a Professor of Taxation and Accounting at the University of West Florida.

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The Role of Annuity Markets in Financing Retirement [Hardcover] price

2012-01-15T07:03:00.000-08:00

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Annuities: As They Were, As They Are

2011-12-27T18:19:00.000-08:00

Annuities are sold by life insurance companies. Traditionally, in return for your lump sum premium the insurance company paid you an income. The income was guaranteed for your lifetime.

Annuities paid a higher interest rate than banks could. This was because annuities and bank deposits were (and are) completely different. When you buy a lifetime annuity, you effectively sell your money for ever in return for an interest rate and lifetime income. Banks only have your money on loan; they don't get to keep it at the end of your life, so they cannot offer you as good a return as an annuity can.

For example, let's say you have accumulated $200,000 in a bank account and earn interest of 4% a year. If you take an annual income of $15,000 from this account, you will run out of money before 20 years have passed. The advantage of purchasing an annuity with your money is that you will get an income for as long as you live - even if it's another 40 years. Annuity Formula provides examples of how annuity calculations such as this are carried out.

Annuities have traditionally been used as a means of providing a lifetime pension. People saved while they worked and bought an annuity to provide an ongoing income in retirement.

Nowadays, innovations in financial products have led to a broadening of the meaning of an annuity.

What is an annuity?

2011-12-27T08:22:00.001-08:00

An annuity is a regular income paid in exchange for a lump sum, usually the result of years of investing in an approved, tax-free pension scheme.

There are different types. The vast majority of annuities are conventional and pay a risk-free income that is a guaranteed for life. The amount you receive depends on how long the annuity provider expects you to live (i.e. how many years you'll need paying).

Insurance companies calculate this using age, whether you are male or female, the size of your pension fund and, in some circumstances, the state of your health.

A new Europe-wide law could ban providers from using gender, though. New 'unisex' unnuities would pay the same to men and women.

Find the right annuity for you

Are they good value?

Falling interest rates, poor stock market investment returns and greater life expectancy have seriously devalued annuities over the past few decades. In the early Nineties someone with a £100,000 pension pot might have retired on an annual income of £18,000. Today the same savings would give an annual income of nearer £6,000.

However, supporters of annuities point out that they offer absolute security for as long as you live. No other product does this and given that longevity is increasing rapidly - some 17% of Britons alive today will live to 100 - it's a major consideration. Level annuities will pay an unchanging income from the outset. An alternative is to buy an annuity that offers payments that rise in line with the RPI, thus maintaining the spending power of your income. But these often come at reduced initial rates. Another alternative is investment linked annuities, which track the stock markets to secure a better income year-on-year. Experts say that modern retirees may do well to explore a combination of these annuity forms.

Are they flexible?

No. Conventional annuities cannot be changed, transferred or surrendered for cash. This makes it essential to choose the best possible deal when the time comes to convert your pension savings into an income.

Newer annuities are becoming more flexible. For example you can buy 'fixed term' annuities which last for five years. And investment-linked products do provide some scope for changing your risk appetite.

Do I have to buy one?

Not necessarily. Until 6 April 2011, everyone is forced have to buy an annuity with their pension pot by the time they hit age 75. But new rules will allow some savers to avoid annuities altogether. Instead they are able to go into 'drawdown'. The new rules on this are complicated and deserve a whole guide of their own.

Advisers say drawdown is a realistic option only for those with large pension pots. You need to make considerable gains every year to maintain the sort of income provided by an annuity each year, and this puts you at the mercy of the stock markets.

Pensioners will need to show they've secured £20,000 of annual income before they can do whatever they like with their pot. Otherwise they are only allowed to withdraw amounts each year equal to what an annuity would pay. Until April 2011, pensioners can draw up to 120% of an equivalent annuity. From April onwards, this will fall to 100%.

Do I have to accept my pension company's offer?

Absolutely not. Your pension company will want you to choose its annuity offering, but the law says you don't have to. Everyone has the right to use the 'open market option' – shop around and choose the annuity that best suits their needs. A starting point could be to consult This is Money's annuity rate tables. There can often be a huge difference - up to 30% in some cases - between the highest and worst annuity rates available. This can amount to thousands of pounds over the average investor's retirement.

How will health affect annuity income?

You qualify for an 'enhanced' annuity, which pays a much better income, if you have certain medical conditions or are a smoker. That's because you're not expected to live as long as a healthy pensioner of the same age. Specialist insurers use this to your advantage: they will pay you a higher income because they calculate that, on average, your income should be paid out for a shorter period of time.

What else do I need to know?

Some older pension policies have special guarantees that mean they will pay a much higher rate than is usual. Guaranteed annuity rates (GARs) could result in an income twice or even three times as high as policies without a GAR. It's worth checking your options.

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 [Hardcover] review

2011-11-25T23:48:00.000-08:00

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America's hottest investment products--and with good reason! Today's wide variety of variable annuity products provide an unbelievable package of benefits: a disciplined money-saving vehicle, the value of ax deferral, and a guaranteed income stream no matter how long you live. And unlike traditional slower-growing fixed annuities, variable annuities add the best avenue for future wealth--stock market growth--to the certainty of future income. Guaranteed Income for Life is your step-by-step guidebook to building the ideal investment portfolio, one that is legally warranted to last your entire life. On every page, noted financial expert Michael Lane delivers facts and figures that show you: how to understand the different types of variable annuities and pick the investment that best meets the future needs of your family; how variable annuities can be the cornerstone of an investment strategy that combines outstanding growth with tax deferral and safety; the insurance benefits of the variable annuity that make it two valuable investments in one! For years, variable annuities have been the little-noticed stepsister of mutual funds. Discover for yourself why, for long-term savings with valuable life insurance and tax deferral benefits, variable annuities beat mutual funds hands down--and how you can start today to build an investment portfolio that will provide Guaranteed Income for Life!

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The Handbook of Variable Income Annuities [Hardcover]

2011-11-25T22:39:00.000-08:00

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Variable income annuities meet a very real need. Their insurance element guarantees an inexhaustible lifetime income at the maximum level possible, superior to all alternatives. Their investment element lets annuity owners invest in the asset class that provides the greatest opportunity for retirement income that grows faster than inflation.
The Handbook of Variable Income Annuities is by far the most comprehensive source of information on this most important, most timely financial concern in America today—how to optimally receive retirement income. Spend too much or live too long and you're destitute. Live off just the interest leaving the principal untouched, and you've unnecessarily reduced your standard of living.

The Handbook of Variable Income Annuities helps you become comfortable with your hugely important retirement income decisions. You'll be able to "see the DNA" of these retirement income arrangements. Novices and experts alike will understand why these offer retirement income security superior to what any individual—no matter how well educated or investment savvy—can achieve alone.

Many disciplines—mathematics, investments,law, demography, biology, economics, taxation, marketing, distribution, psychology—affect variable income annuities, and they are brought together in this vital book. In a clear and straightforward manner, this book describes the most important principles of optimal asset liquidation through topics that include:

Retirement income approaches
Forms of annuities
Investment subaccounts
Rates of return
Law and taxation
Sales and product distribution
Fewer defined benefit pension plans, uncertainty over Social Security, greater reliance on turning one's IRA and 401(k) balances into income, inadequate retirement savings, and lengthier retirements all prompt a greater interest in variable income annuities.

Variable income annuities genuinely offer you and billions of people around the globe the opportunity to enjoy a more financially secure, worry-free experience during the final decades of life—free from anxiety about outliving your wealth, free to control the asset classes in which you invest, and free from having to be your own personal pension administrator. Filled with in-depth insight and expert advice, The Handbook of Variable Income Annuities can help you understand and implement this important financial instrument.
Praise for The Handbook of Variable Income Annuities
"This wonderful book fills a big void by providing us with a complete picture of how the many aspects of retirement income fit together. The author's perspective that longevity is not a certainty to be saved for but a risk to be insured against redefines the future of the insurance industry."
—Jon A. Boscia, Chairman and Chief Executive OfficerLincoln Financial Group

"As the baby boom generation approaches retirement, planning for the golden years will assume an increasingly central role. Jeff Dellinger brings to this work broad, long-standing, and distinguished experience in the annuities field. This book is a great help to those who endeavor to enjoy retirement safely and anxiety-free."
—Mark Souder, United States Congressman

"Straightforward and clear, The Handbook of Variable Income Annuities describes the most important principles of optimal asset liquidation. It demystifies variable income annuities, givingfinancial professionals a high comfort level with this instrument, which is so important to the retirement security of Americans and others around the globe."
—Norse N. Blazzard, JD, CLU, Principal, Blazzard, Grodd & Hasenauer PC founder and past chairman of the National Association for Variable Annuities

"The Handbook of Variable Income Annuities is the first book to rigorously present and unify the key ingredients that explain why a variable income annuity produces a better lifetime income result than alternatives. It is an imperative read for all financial professionals who aspire to serve retirees and prospective retirees."
—R. H. "Rick" Carey, founderThe VARDS Report

With trillions of dollars in retirement savings programs at stake, and millions of Americans on the precipice of applying these savings to generate retirement income, you can't afford to be without the knowledge, insights, and timely perspective this fascinating and comprehensive work offers. A must-read for those preparing for the tidal wave of retirees facing the very real, very important task of seeing their decades of accumulated wealth carry them through the totality of retirement safely, successfully, and with the prospect that their best standard of living lies ahead!

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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 [Hardcover] price

2011-11-24T17:55:00.000-08:00

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Julie Jason is a personal money manager who began her career as a securities lawyer thirty years ago. She is principal of Jackson, Grant Investment Advisers, Inc., of Stamford, Connecticut, an SEC-registered investment adviser. Jackson, Grant serves conservative retirees who want to create retirement income.

A proponent of investor protection, Ms. Jason writes and lectures on investment topics. Her award-winning weekly column, published in the Sunday business sections of the Stamford Advocate and the Greenwich Time, is in its tenth year of publication. The column has been recognized by the IRS for “accurate, timely, informative, and helpful tax information,” and by the Connecticut Society of Journalists and Authors for excellence in journalism.

Ms. Jason is also the author of You and Your 401(k), The 401(k) Plan Handbook, JK Lasser’s Strategic Investing After 50, Julie Jason’s Guide to Connecticut Probate, and the forthcoming Julie Jason’s Guide to Managing Retirement Wealth.

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The Handbook of Variable Income Annuities [Hardcover]

2011-11-24T05:05:00.000-08:00

Compound Interest and Annuity Tables [Paperback] review

2011-11-23T11:09:00.000-08:00

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Compound Interest and Annuity Tables [Paperback]

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Personal Finance For Seniors For Dummies [Paperback] review

2011-11-23T05:05:00.000-08:00

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The fast and easy way for Baby Boomers to protect their financial future
Are you nearing (or already basking in) retirement? Are you aware of the unique financial opportunities and challenges you'll face in your golden years? This hands-on, practical guide empowers you to chart your financial course with targeted advice for investing, spending, and protecting your wealth for the decades to come.

Plan, plan, plan — understand just how important it is to plan ahead for retirement (and how it'll give you more attractive financial options in the future)

Tackle the issues — discover the best ways to manage your annual expenses and budget so you'll have enough to live on now and in the years ahead

Know your benefits — get the lowdown on government programs available, like Social Security, Medicare, and Medicaid

Tie up loose ends — find out how to plan your estate (no matter how large or modest), prepare a will, and determine considerations for a living will, medical powers of attorney, and more

Open the book and find:

Advice on when to retire and guidance on estimating expenses

Your best investments for retirement money

Plain-English explanations of retirement account options

How to adjust spending when life throws you a curve ball

Tips on choosing pension options

Housing choices in retirement

The best Social Security and healthcare benefits for you

Ways to reduce your estate taxes

Create a budget for retirement

Wisely invest, spend, and protect your wealth

Plot the windy road of pension plans, Social Security, healthcare, and Medicare
Eric Tyson is a nationally recognized personal finance counselor, writer, and lecturer. He is the bestselling author of Personal Finance For Dummies and Mutual Funds For Dummies.
Bob Carlson is editor of the monthly newsletter "Retirement Watch" and author of The New Rules for Retirement.

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Actuarial Model: Life Insurance and Annuity (Series in Actuarial Science) [Hardcover] price

2011-11-22T22:47:00.000-08:00

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