Sell My Annuity

Update on Haiti Relief Effort - Help for Orphans International

2010-02-05T10:52:00.000-08:00

Dear Friends and New Friends,

This is my personal update that I want to share with you today. If you didn't read my email from 2 days ago it is at the bottom of this one.

Help for Orphans International has a volunteer named Jonathan on the ground in Haiti right now. He is a pilot, personally using his own plane. I hear directly from Jonathan everyday.

He said there is a BIG need for morphine here in the hospitals (or at least oral narcotics). They are doing amputations without it. That might be the single most important item to distribute now. Apparently there are quantities in Port Au Prince but the army has taken over and distribution is very slow. Pass the word.

As I mentioned before, Jonathan has this knowledge because he has the only small aircraft on the ground in Haiti right now, which is shuttling in supplies and help. Due to his tireless efforts he has been able to bring medical personnel, supplies, food, water and medication directly to the people who need it most. It is because of the money we raise that enables him to continue to pay for fuel and supplies.

I want you to think about this for a minute. Can you imagine if your child, your brother, or your grandchild was in severe pain for days on end, with no medical care? Can you imagine your child losing ALL the family they have ever known and left to fend for themselves on the streets, surrounded by decomposing bodies? This is the situation for so many in Haiti.

These children need our help. I realize I may be sounding very dramatic here but this is the honest truth. I need every one of you to understand and pass on how severely help is needed there. Most of us, if not all, take for granted the food and water we have at our disposal. So many lives are being lost in Haiti – today - because they are lacking the simple essentials.

So, please, give whatever you can. A few dollars from everyone reading this will make a huge difference. Give up the Starbucks for just one week.

Text "support orphans" to 20222 to give $5 on your cell bill.

To make a larger contribution go to www.helpfororphans.org and click “Donate now" and most of all PLEASE spread the word to EVERYONE you know!

See our Press release released early this morning: http://www.prweb.com/releases/2010/01/prweb3505184.htm

Thank you again from the bottom of my heart!!

Love,

Josie Dobin
917.704.2131 mobile
Help for Orphans International
YouTube Video

"A one-time donation of $5 will be added to your mobile phone bill or deducted from your prepaid balance. Messaging and Data Rates May Apply. All charges are billed by and payable to your mobile service provider. Service is available on most carriers. Donations are collected for the benefit of the (Enter your charity name) by the Mobile Giving Foundation and subject to the terms found at www.hmgf.org/t. You can unsubscribe at any time by replying STOP to short code (ENTER SHORT CODE); Reply HELP to (SHORT CODE) for help."

***Please note that "help" must be in bold.

How To Help Haiti

2010-02-02T10:39:00.000-08:00

Hi,

I am urging you to please read this message and respond accordingly and then to please forward this on to all your contacts.

As you may know, I am fortunate to be working for Help for Orphans International, a charity founded by Sarah Ehrlich four years ago. She has done a lot of work helping orphans in Kenya and is now solely focused on helping the orphans affected by the earthquake in Haiti.

I don't like to spread bad news but we have a volunteer from our organization who's been on the ground there since over a week ago. Words cannot describe the devastation that he has described to me. Imagine a little child losing ALL their family, wounded, no place to live and with little food/water. This is TRULY the situation.

Sarah and myself are going to Haiti in the next few days to raise awareness and to strategize HOW we are most effectively going to help. We will also be purchasing food/formula/diapers in the Dominican Republic to bring to the most hard hit areas.

Our volunteer there named Jonathan flew his 4 seater aircraft 2000 miles from Sag Harbor, NY and is shuttling back and forth between neighboring areas bringing supplies and medical personnel to the most desperate areas. Today he texted me that he was enroute to bring saws and morphine to a medical unit there.

The only way we can keep him doing this is to continue to send him funds.

Do NOT think that they have ENOUGH help because they don't. What we are doing IS making a difference! Jonathan says that he has the only small aircraft shuttling that he has seen. Additionally, because his aircraft is so small he has been cleared to land at Port au Prince airport.

We can NOT continue to do what we're doing without more donations! There's just NO way! Sadly, the surrounding areas have taken advantage of this tragedy and the cost of fuel and food etc.. has skyrocketed! All your donations are 100% tax deductible and you can know that we are actually USING your money RIGHT NOW to make a difference! Anything helps!

Here's how to donate:

1. Click this now Help For Orphans, then select "donate now" on the top left navigation.

2. Text 20222 from you cell phone and type "support orphans" and you will be charged $5 on your next cell phone bill.

3. Call me at 917.704.2131.

More about us:

Help For Orphans

Thank you from the bottom of my heart. If you would like to be kept updated PLEASE email me directly and I will add you to our list!

Love,

Josie Dobin

"A one-time donation of $5 will be added to your mobile phone bill or deducted from your prepaid balance. Messaging and Data Rates May Apply. All charges are billed by and payable to your mobile service provider. Service is available on most carriers. Donations are collected for the benefit of the (Enter your charity name) by the Mobile Giving Foundation and subject to the terms found at www.hmgf.org/t. You can unsubscribe at any time by replying STOP to short code (ENTER SHORT CODE); Reply HELP to (SHORT CODE) for help."

***Please note that "help" must be in bold.

Almost sold out! Watch the webinar recording asap

2010-01-07T17:57:00.000-08:00

The webinar last night with my friend the former money manager was 'sold out'! He gave us more powerful trading content than most paid courses. And, because the webinar was filled to capacity we are posting the recording.

Here's the link to register for the webinar replay.

Exchange Traded Index Funds

One of the things he taught us is called the "Law of Association"; which states that in 5 years you will become like the people you hang out with and the books you read and the courses you study.

The bottom line is that if you want to learn to trade big, or profitably and consistently, you need to be around someone who does. Someone like our webinar instructor who used to trade $50 million at a time.

Here's a short list of only some of the highlights:

- A little known position sizing trick that can double your returns regardless of what market or system you trade.

- Two simple tricks that instantly remove 95% of your emotions in trading. As all traders know the emotions of fear and greed are the number one enemies of traders; beat them and you win.

- How some hedge funds hunt stops and a simple trick to avoid being a victim. Yes hedge funds, brokers and other individuals (not the "market") really do hunt stops.

- Why money managers only risk 1-2% per trade and still make great returns.

- Why trading is not a "zero sum game" and what this really means for the average trader.

- How to make strong profits using the daily charts and trading only 10 minutes per night.

- How Warren Buffett, Jim Rogers and others became great traders and investors.

- What the "gurus" selling hype trading courses are hiding from you and six easy ways to spot a counterfeit "trading teacher" from a mile away.

- One of his profit target strategies. (He has 4 proprietary tactics and gives us one, no charge).

- How to not be vague with your entries and stops like when others who say, "Buy a few cents, ticks, or pips above ___."

- A little known, no cost, scanner tool that can help you trade profitably, right now.

- A complementary excel sheet that does ALL the math for you so you can easily see the optimal position size and risk vs. reward ratio on all trades.

- Why ETFs are the best instrument to trade.

- Much more.

I promise it won't be a waste of your time. My friend really did do trades as large as 50 million before he left the world of money management. He did share a little of his story, but most of the hour is spent on the subjects above. As you know I like to share good content with my subscribers and this is one of them.

Click here to get the webinar replay:

Exchange Traded Funds

See you there,

Cheers,

Ave Ramel

P.S. The $1,997 bonus day trade course might already be gone!

Tonight: Trade Secrets of a Multi-Million Dollar Guru

2010-01-05T17:56:00.000-08:00

Wow! I just finished reading the power points for Wednesday's webinar with my friend the ex-fund manager.

And, I've got to say, that in all my years in the trading business, this is the most content rich webinar I have ever seen. No hype, only hard core trading truths that not everyone is going to like.

Things like the fact that he and his hedge fund buddies used to hunt stops. Now he's teaching "civilians" how to make money off those hedge hunters.

If you are new to trading, this hour could save you thousands of dollars over the school of hard knocks.

Those who don't get information like this risk having their whole investment account being wiped out, before they've really had a chance to trade.

Don't miss out - Click here to register for this Free ETF and Money Management Seminar.

Exchange Traded Index Funds

For trading veterans I can guarantee you that the advanced position sizing tip is a golden nugget you'll use for increasing profits and decreasing risks in the years to come. This one tip could double your profits regardless of what your entry system is. The one tip alone can turn any average system into a winning system.

We'll cover:

- How to maximize your winners.

- Why most traders have it backwards when it comes to risk.

- How to eliminate 95% of trading stress and emotion.

- Why most traders have it backwards when it comes to winning percentages.

- Even how to become a professional money manager and raise millions, if you so desire.

That last one really surprised me. Because I know that if you really want to make millions in trading the fastest way is to use leverage with other peoples' money, when you are ready.

There are so many reasons to attend this F.R.E.E webinar Wednesday at 9pm EST. I honestly believe you're missing the boat if you don't take advantage of this opportunity. It won't be a waste of your time! I love sharing high quality content with my subscribers and this is going to be one of the best.

Our host has worked trades as large as $50 million during his money management career. He will share a little of his story, but most of the hour will be spent teaching you how to improve your trading.

See you then,

Exchange Traded Funds

Cheers,

Ave Ramel

P.S. That's right, $50 million advice, f.r.e.e, and a chance to win a free 1 year mentorship with a professional trader just by showing up.

*** Pay attention while our guest explains how you can make more profits with less risk trading the markets.

A Scientific Breakthrough

2010-01-01T19:19:00.000-08:00

Hi,

At last, have finished the First VitaPlus Tour that will answer

a lot of your questions about this scientific breakthrough in

Health, Wellness, and Beauty.

You may now proceed to: First VitaPlus

The First VitaPlus Tour answers the ff:

- Five Power Vegetables

- Five Little Things You Should Know About First VitaPlus

- Prevention and Maintenance of Diseases

- Availability and Product Sizes

Cheers,

Ave Ramel

***Trust in the Lord with all your heart***

How The Rich are Debt-Free

2009-11-27T06:59:00.000-08:00

Hi,

===========================================

Crisis ???

The Rich are debt-free and do really have

a lot of options in life.

If you want to be rich, you must know

- what kind of income to work hard for,

- how to keep it, and

- how to protect it from loss.

That is the key to great wealth.

Discover this kind of income in:

Rich Dad Cashflow

===========================================

Cheers,

Board Games | Year 2012 End of the World

What Are Indexed Annuities?

2009-03-24T04:34:00.000-07:00

According to The National Association of Insurance Commissioners Buyer's Guide, "An indexed annuity is a fixed annuity, either immediate or deferred, that earns interest or provides benefits that are linked to an external equity reference or an equity index.

When you buy an indexed annuity you own an insurance contract. You are not buying shares of any stock or index.

An indexed annuity is different from other fixed annuities because of the way it credits interest to your annuity's value. Indexed annuities credit interest using a formula based on changes in the index to which the annuity is linked. The formula decides how the additional interest, if any, is calculated and credited. How much additional interest you get and when you get it depends on the features of your particular annuity.

Questions you should ask your Agent or the Company

You should ask the following questions about indexed annuities in addition to the questions in the Buyer's Guide to Fixed Deferred Annuities.

What is the guaranteed minimum interest rate?
How long is the term?
What is the participation rate? For how long is the participation rate guaranteed?
Is there a minimum participation rate?
Does my contract have an interest rate cap? What is it?
Does my contract have an interest rate floor? What is it?
Is interest rate averaging used? How does it work?
Is interest compounded during a term?
Is there a margin, spread, or administrative fee? Is that in addition to or instead of a participation rate?
What indexing method is used in my contract?
What are the surrender charges or penalties if I want to end my contract early and take out all of my money?
Can I get a partial withdrawal without paying charges or losing interest? Does my contract have vesting? If so, what is the rate of vesting?

Final Points to Consider

Remember to read your annuity contract carefully when you receive it. Ask your agent or insurance company to explain anything you don’t understand. If you have a specific complaint or can’t get answers you need from the agent or company, contact your state insurance department.

By Jeff McLeod

Understanding Annuities - Information on Annuity Sales

2009-03-19T05:31:00.000-07:00

The advantages that you receive by selling annuities

Making sales are an important source to make a profit by selling and making opportunities in the case of sales for financial advisors. You could opt for annuity sales in the case of lump-sum charge when the clients want to make large purchase in the case of properties and big investment. In this way, you will be able to diversify the assets and also, to receive profits.

The reasons you might have for availing the annuities

The first one would be to install continual funda. This means that the selling of annuities is one popular reason, under which the clients are guaranteed to receive one stream of funds in their lifetime and thus, the clients could purchase annuity plans or then, probably sell to derive profits.

The inheritors can benefit from purchasing annuity plans. This will secure their future financially in the name of beneficiaries. Also, when the person who is purchasing the annuity dies, then the people beneficiaries will be able to get hold of the profit from the plan. That way, the inheritors become secure financially.

Also, making purchases with annuity can form tax angles. The interest that you can receive from the annuities will not be taxed and therefore, the money will not be withdrawn until the taxes are paid. The taxes that were deferred will be paid for throughout the time that the payout period will be lasting.

The different cases of annuities

The annuities are deducted on the type of deposits paid by the clients inside the annuity.

The annuities can be divided into flexible premiums, by allowing the policyholders in order to deposit some contributions during the duration of one annuity contract.

Also, there is the single annuity that is premium, by allowing one deposit during the period that the contract will last.

Judging by the payout, you will receive deferred annuity, which means that you do not have to pay immediately for it, because the payment will begin after one year calculating from the date stipulated in the contract.

Moreover, there is the immediate annuity, which means that immediate payment is required, and it is generally considered to be until one year.

Judging on the type of money that will be placed in annuity contract, you will have non qualified annuity, which means that the money will be placed into the contract and then it will be taxed. And then, there is the qualified annuity, which means that the money put into the contract will not be taxed.

Also, you might divide the annuity into the interest you will receive. There exists indexed annuity, which means that the interest will be offered on outside index. Another type of annuity is the one with fixed rate, which is that the interest rate will be fixed and that you will receive a guarantee for a small amount and over the period of the contract. Also, there is the type of annuity called variable deferred, which means that the purchaser will be offered the option to participate in the fund investments.

The sides that will be present in he contract will be the contract owner, which is represented by the person by persons or legal entity purchasing the annuity. The person can acquire all rights possible for legal contract. The person might need to pay premiums, and then choose some policy features which are present into the contract and then, the person might withdraw the the type of annuity that will surrender or the withdraw when the annuity is going to be bought. Moreover, the person that has the possession of the annuity might have the right to choose whether to sell the annuity or not and he or she could impose the terms of the contract.

The annuitant is the person who will buy the annuity and then will hold annuity contracts. In the unfortunate case that the annuitant will die, then the profits will be given to someone who has been designated as the beneficiary. The annuitant needs to be living , when the rights for contract will not be granted to the person. On the other side, the owner and the annuitant could be the same person.

The beneficiary represents the person or one legal entity who will receive the profits from annuities in the case that the annuitant will die then the beneficiary will have when the annuitant will die. Therefore, the case will be solved in case something happens.

By Jennifer Walter

How to Sell My Annuity - The Selling of Annuities

2009-03-14T08:27:00.000-07:00

The annuity is represented by the flow of income regularly in the pockets of someone that has invested money. The moment the annuity is being made, then the person will be able to receive payouts. The annuities will be made through a contract and thus, you will be able to make for instance, some kind of insurance company and you will be able to contract them a trust and charity, taking into account the payments.

Why sell annuities?

What are the advantages of of selling annuities and what would you gain from that? One reason would be that the annuities are regarded to be safe investments. Therefore, you can receive low returns over long periods of time and thus, you will be able to ensure that you are making short term investment.

Also, if you manage to sell your annuities then you will also large sum of money. This would represent one way to make use of your assets and thus reduce the financial risks that would be involved. Moreover, you could increase your chances of getting large profits by going after these sales. One more thing is that the enterprise would prove to be useful in that you would not need so large sums of the money to become involved in the business.

How to sell annuities?

You can start selling annuities in several ways, just by opting for flexible or single premium types of annuities, ones that can be deferred or paid at once or even annuities that are non qualified or qualifed. That way, you would be able to gain knowledge from being able to make transactions with the annuities and therefore, you could decide whether it would be worth purchasing them or not. Also, one thing would be that you need to do as much research as you can because the things will serve . Moreover, you might want to select the types of annuities that you are considering to manage and then sell those that you have selected, sure to be obtaining only the best possible results.

Once you have become more accustomed to the annuities and the schemes involved, you will be able to sell them more quickly. To do that, you might want to consider the following guidelines above.

For one thing, it is necessary that you locate a company to be selling annuities for you. That will ensure that you will be making a reputation through customers and clients, while you will not be too much involved in doing the actual business. If you happened to hire something to sell annuities, then you would have maximum gain since the sellers will be doing the work for you. The thing is that you might not receive the profits all at once and that you might want to pay certain fees and taxes for the professionals to be handling your annuities.

Another thing you might be considering would be to sell annuities directly to the clients that you have. Nonetheless, this procedure does not remain that popular because people are bothered bu the huge amount of work that you need to be putting in order to get all the paperwork done at the right time. Also, it come in the best interest to get to know things a little and then get into making personal sales. Therefore, it is advisable that you remain a little cautious.

Moreover, you might want to exchange the annuities for some other annuities. The exchange method is a good idea in that you get to exchange what you already have for smaller amounts of money in the long term. You can get another annuity that will be cheaper for you and thus, replace the annuity that you already had, where you had to pay a lot in the short term. Remember that things to be done in the short term are not advisable and thus, you need to balance things a little and then decide what you are going to do.

Moreover, you might want to think about substituting the annuities with loan collateral. This means that you would work around your annuities in similar ways that you would do by working on the exchange plan, with the added difference that you would have some kind of loan procurement to cover you up. Also, the option might be used in order to get higher returns.

By Jennifer Walter

Sell Annuity Payment To Refinance Home Loans

2009-02-25T18:17:00.000-08:00

Annuity payments correspond to a big amount of money if summed up. It can be acquired in a number of ways. Oftentimes, it is piled up through one's retirement funds or maybe it is the proceeds of an insurance claim. However an annuity payment is achieved, it all boils down to one thing - the individual who acts as the direct beneficial will receive a good amount of money.

But then again, that amount of money is not readily available to the payee. It would be over a certain period of time in cases of retirement annuity and in a yearly basis like in insurance annuity payments. The amount is paid for in equal yearly installments as per the agreement or until the full amount of money is paid off.

Annuity payments can be used to refinance a house. You can use the money you'll receive yearly to pay the yearly amortization of your house financing. People who are receiving annuities could specifically schedule their house refinance payment to achieve a more balanced cash flow.

For example, you are set to receive an annuity payment for the amount of $10,000 yearly. If your home mortgage amounts to $15,000 yearly, then it is best that you refinance your home loan and make the yearly payable to match the amount due with the amount payable.

This is how annuity payments and refinance mortgage would work for you. You can refinance your home to perfectly match your yearly cash in and cash out. It would work perfectly for you once you have balanced cash flow, things would look up better for you.

Read more Sell Annuity Payment To Refinance Home Loans

Annuities Q&A: Understanding Types Of Annuities

2009-02-19T05:44:00.000-08:00

What types of annuities are available?

There are basically two types of annuities - fixed and variable.

A fixed annuity earns an assured interest rate in a definite period of time. If the period of times expires, there will be a new interest rate for the next period.

Variable annuities have more funding options than fixed annuities since their performance depends on the option of investment of the principal and return vary.

What is a tax-deferred annuity?

Tax-deferred annuity allows you to not pay taxes until after you make a withdrawal or until you start receiving an annuity. Having a tax-deferred annuity permits you to collect a bigger amount of money over an extended period of time.

What is the difference between a fixed and variable annuity?

Fixed annuities are investments from government securities and corporate bonds. They are offered a fixed or guaranteed rate usually over a period of one to ten years. So, when you receive payments, the monthly release of funds is set to a fixed amount and already guaranteed. This type of investment is preferred by investors who value safety and stability of their money and for those retirees who want their money to be protected against the possible instabilities of the stock market.

Variable annuities allow you to put your investment into a variety of securities like money market securities and interest accounts offering fixed rates. Stock market performance will decide the annuity’s value and the return of your money that you have invested. Though there is a great risk because of unprecedented movement of stocks in the market, some still consider investing in a variable annuity because they are comfortable of fluctuations in the market and get rid of their investment in static position.

What are deferred and immediate annuities?

A deferred annuity is a pay-out plan offered to investors who are willing to receive payments at some later date, commonly at the retirement of the investor. This type of pay-out is advantageous for long-term retirement plans for the following reasons:

Deferred income taxes payment until withdrawal of the money

No limits on yearly annuity contributions

Death benefits are readily available. If the investor dies before he collects his annuity, the beneficiaries get the amount you have put in plus investments earnings.

In an immediate annuity, the investor automatically begins to receive lump sum pay-outs immediately upon investing your money. Payments start usually a month after you have invested into the annuity. This offers financial security in a sense that you will receive income payments for the rest of your life. Also, this annuity permits you to:

Add your pay-outs received in your current income

Pay taxes on the portion of the annuity payments that are considered to be earning

Immediate annuities can be fixed or variable. Fixed immediate annuity payments are attached to the amount that you have contributed, your age, and the existing interest rate at the time you have purchased the annuity. These said payments are already fixed. Variable immediate annuities vary according to the type of investments you purchased.

What is a tax-sheltered annuity?

Tax-sheltered annuity is a retirement savings program limited to public educational institution employees and members of non-profit organizations. Contributions to a tax-sheltered annuity are made by the employers of the participating employee. These are deducted from the participant’s income payments and sent to the insurance agency or mutual fund guardian elected by the participant.

What is a lifetime annuity?

A lifetime annuity is a type of immediate annuity wherein upon investing you automatically receive guaranteed income payments for the rest of your life. The income you will receive from the lifetime annuity plan will depend on the amount of money you will invest and the existing rates at the time you made the investment.

By Ammon Yorke

Structured Settlements And The Power Of Annuities

2009-02-08T18:14:00.000-08:00

A structured settlement is a type of financial settlement usually awarded to the victim of a personal injury accident. For example, assume a jury awards the victim damages in the sum of $4 million. Depending on the circumstances, the damages may be awarded as a structured settlement rather than as a lump sum.

The settlement is called "structured" because the initial award ($4,000,000 in this example) is divided up into equal payments that are paid to the victim at precisely defined time intervals.
If the settlement is structured to pay the victim $100,000 a year, the period of the settlement is 40 years. Therefore, the victim would receive a payment of $100,000 each year for the next 40 years. The total amount of cash received by the victim would be 40 years x $100,000 per year, which equals the original award amount of $4,000,000.

Many people think the paying party has to put $4 million into a bank account set up for the victim. They also think that $100,000 will be withdrawn from that bank account each year and paid to the victim. At the end of 40 years, the victim's special account would be empty and the victim would have received the full amount of the award.

That's one way of setting up a structured settlement. From the point of view of the paying party, there is a less costly financial tool for setting up a structured settlement. That tool is called an annuity.

An annuity is a large sum of money set up to pay the recipient a fixed amount of money at regularly-defined time intervals. But wait, you might say. That's the same as putting $4 million in the bank account and paying it out over the 40-year period!

That's almost true. The power of an annuity comes from the fact that it can be set up by depositing a much lesser amount into an interest-bearing or an interest-earning account.
Before continuing, you need to remember these important points. The court ordered the paying party to pay the victim $100,000 a year for 40 years. The paying party is not required to submit a lump sum of $4 million to be paid over the 40-year period. As long as the paying party pays the victim the specified amount at the specified time intervals, they are in full compliance with the law.

U.S. law specifies that annuities can only be set up by independent, neutral third-party insurance companies.

To set up the structured settlement, the paying party does have to have to submit a lump sum to the insurance company to be put into an interest earning account. But the power of annuities allows the paying party submit a lump sum that is much smaller than the total reward.

For example, if the structured settlement account consistently earns 5% interest per year, the paying party only needs to invest a one-time sum of $2,000,000. Each year, the $2 million would earn 5% interest. At the end of each year, the account total would be $2,100,000. The extra $100,000 would be paid to the victim, leaving the original $2 million in the account.

If the paying party can find an account that pays 10% interest, it would only have to invest a one-time sum of $1,000,000. At 10% annual interest, a sum of $1 million makes $100,000 per year, which would be paid to the victim.

At 15% interest, the paying party would have a one-time investment of $666,667 in order to pay the victim the required $100,000 per year.

As you can see, the more interest a structured settlement account earns, the smaller the sum the paying party has to invest in order to create the annual payments to the victim. The above examples use simple interest to avoid the complexities of real-world finance. However, the principle of the annuity works the same.

If it seems that the paying party is getting off easy, consider these points. First, the paying party is being deprived of a large chunk of money for 40 years. Second, they are complying with the terms of the structured settlement. And third, if your company was required to make these payments, wouldn't you do it in the most economical way possible?

By Doug Smith http://StructuredSettlements.LoansForAnyCredit.com
party, paying, settlement

Should You Sell Annuity Payments?

2009-02-01T19:57:00.000-08:00

Receiving annuity is a comforting idea. For the years that the annuity will be paid, you and your family will be ensured of a steady cash flow. It's cash that you can use for anything you desire. But more often than not, annuity is normally used as retirement money.

Before, people don't have much choice but to wait for their annuity payments. However, things have changed for the better these days. Now, you can sell your annuity payments in exchange to cold cash. That's how flexible today's financial institutions are.

There are a lot of financial agents that handles annuity sales. The whole process is getting faster and easier as days go by. You don't have to wait years anymore to get the full amount. Just submit your annuity papers to the agents. They'll draw up the necessary documents and you should receive your money very soon. And it's the full amount - not the partial payment you get every year.

However, there are a lot of things to consider when selling annuities. The biggest question is whether or not to sell it at all. That decision is going to be major one, especially if you are taking about your retirement money. Retirement money is supposed to help you during your senior years, where a steady income is not ensured and your need for health care product rises.

There are many reasons why you should sell your annuity though. For starters, you can use it as an investment in a more profitable endeavor. There are some sound business portfolios that you may come across. If you need money for that business, then you are free to sell your annuity to get the necessary funds. Just make sure that your business is really a profitable one and that it would last you throughout retirement.

Read more Should You Sell Annuity Payments?

Basics Of Investing In Life Annuities

2009-01-23T05:06:00.000-08:00

It can be extremely hard to save for retirement. It is hard to part with your hard earned money today so it can be used sometime in the distant future. It is just as difficult to save for college, purchasing a new home, and any other financial goals. For the average American, it is a struggle to be able to pay for the monthly bills and still find a bit of money to invest. Regardless of your income is important to put aside at least a little bit of money every week for savings. If this is done over a number of years a substantial amount of money can be put aside and if worked in into the right investments it can produce a secure financial future.

For investors who are new or just leery of the stock market, life annuities are a great choice. This is a way that money can be put away on a consistent basis and then it is given the ability to grow. One of the most common fears is that an individual will outlive their money and have no income in the later years of their life. Purchasing and investing in a life annuity makes sure this does not happen. An annuity is designed in such a way that an investor is guaranteed an income for the rest of their lives. It can also guarantee a spouse or relative can reap the benefits of the annuities even when the major contributor has passed away. Having a life annuity means no matter how long you live you will draw the same income each month, even after the money from your original investment has been used up. Therefore you will never outgrow your money..

Of course, where to put that money is an important decision as well. Annuities can be a good way to put money away on a regular basis and let it grow. Many people are fearful that they will outlive the money they have so diligently saved for retirement. Using a life annuity can help guarantee that this will not happen to you. Most life annuities have a set period of time period of time which the annuity will pay out (let's say 10 years) or until the person dies, which ever is longer. If you have a life annuity and die after only 5 years then your payments will continue for another five years. Being paid out to your family. However, after 10 years, whatever money is left in your account belong to the annuity company. There is an optional (and more expensive) type of annuity which allows the remainder of the annuity to be paid out to a beneficiary after your death.

For example if an individual paid $15,000 premium to create a life annuity, and then died after only receiving $5,000 worth in payment, the annuity owner's beneficiary would be entitled to a refund of the difference. The difference in this case would be $10,000 dollars. If you have money that is readily available this is a great lost risk security option that works well for people who are not interested in the hassle of traditional stock portfolios.

By Mikahamilton http://www.Global-Investment-Institute.com

Sell Annuity Settlement - The Basic Guide

2009-01-16T08:15:00.000-08:00

If you are looking to sell annuity, you have to first learn about the ins and outs of the trade. Sell annuity settlement through the right channels and you should get the best deal out of it. There are many financial institutions buying annuity settlement these days. It is just a matter of dealing with the right people.

There are a lot of things you have to know before you sell your annuity. First off, you have to know the actual amount as to how much the company is willing to buy your annuity. These companies won't simply add up what you are projected to get in the next few years. Of course, they want to earn from the transaction so they'll deduct some inflation rate factors, commissions, and service charge. You are also going to shoulder all the legal fees required by the transaction. All in all, you should not expect to be paid 100% of your still payable amount. Roughly, you are going to get anywhere from 75% to 90% of it.

With that said, you should make a survey as to which company is going to deduct the lesser amount of money for your annuity settlement. The less charges you incur, the more proceeds you get. But more than money, you have to consider other factors as well.

One good factor to consider would be the length of time you have to wait until the check is cleared. Will the company buying your annuity settlement going to write off a check for you or are they merely middle who would be looking for another interested party? If the company is going to invest on your annuity, then you can expect the transactions to be a lot faster. Otherwise, you have to wait several months until everything is taken cared of.

Annuity settlements are usually obtained from insurance claims. If you were involved in an accident and the injuring party agreed to paying you off through an annuity settlement, then that means you are entitled to receiving a certain amount of money every year until after the agreed settlement account is achieved. How long and how you're going to receive depends upon the agreement between you and the other party.

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Best Ways to Sell Annuities

2008-12-06T20:15:00.000-08:00

Do you no longer need consistent monthly payments and would instead prefer a lump sum? If so, then you should think about selling your annuity. Besides the reason I already mentioned there are several reasons why you would want to sell your annuity. There are also different ways of doing it and they're all have their advantages and disadvantages. And for our professional annuity sellers, there are more ways to sell annuities invented every day.

Of all the different annuities one can purchase on the market today, they all have one important characteristic- consistent and safe periodic payments. Consistent, safe but very conservative. Annuities are not a great long-term investment. If you're young or have too much of your investing dollars in annuities you need to diversify. Diversify for better returns and, believe it or not, less risk. When you're young, you don't need a safe investment. Over the long haul, a risky investment will yield more while you don't worry about the ups and downs of decades of market flux. It's ok to have safe and consistent annuity payments but not too much so that it hinders your long-term investment potential.

Another reason to sell your annuity is to make a big purchase. You have plenty of money for what you want on paper but you only get a small percentage available to you in small payments. When you sell your annuity, you get everything. Whether you're getting your first home or a retirement vacation home, selling your annuity can make it happen.

How do you sell your annuity? The best and easiest way is to find a big reliable company that has experience and readily available funds to buy your annuity. It's a good choice but their fee and the amount you'll get will be much lower. A second less popular way is to sell directly to someone else. The legal procedure isn't the easiest but not impossible. Most annuities make it easy to transfer to someone else. Of course, look out for deals that seem too good to be true. Take out an ad in the newspaper or even Ebay and offer a good deal for both of you.

Other creative ways to sell annuities include faster or bigger payments, swapping for a better annuity or using it as collateral in a loan. Say you get $1000 a month for 30 years. If you can't outright sell the annuity for a price you're comfortable with then you might be able to get an annuity with a much bigger payment but for less years. That's better than nothing. You can also swap annuities with a company or individual and the annuity you get is easier to unload. That's a few more transactions and probably higher transaction costs but the result is exactly what you need. Lastly you can use your annuity for collateral on a loan. Here you would be hedging your interest in a bad way. You get a higher yield on your annuity but then you have to pay interest on the loan. You will get the whole lump sum so make sure you're not taking a loss overall. This strategy works best, obviously, when there are low interest rates.

Maybe you're a selling annuities professional and hopefully you've made it all the way to this point in the article. You may think you know all the ways to sell annuities but things are rapidly changing in marketing. You need to know about online marketing. The main points of online marketing to sell annuities are search engine optimization, pay per click search engines, directories and email lists. Concentrate on these aspects of online marketing and you'll sell more annuities.

For several reasons, people decide to sell their annuities. They go about it in a variety of ways without knowing the advantages and disadvantages of their method. Going to a company, selling to another investor or getting a loan for several popular ways. If you're a professional, you can maximize the power of the web. So now you know and now you should go get your payment.

Scott is a consultant at Selling Annuities, a directory listing site with all your annuity information needs. If you have any other annuity questions please visit http://www.vietnambiology.com/sell_annuities.html.

Is Selling Your Annuity Settlement The Ultimate Solution?

2008-11-25T07:18:00.000-08:00

Sometimes we are beset with monetary problems that we get desperate and sell our annuity settlements, thinking it would immediately and ultimately solve our liquidity problem. In our desperation, we grab the very first opportunity that lands on us and think it the best solution for our problems.

However, it is at these times that we should be careful in making huge decisions because it is at these times we are most vulnerable to predator individuals or companies that take advantage of our immediate need. So before handing out your rights and start the process of selling your annuity settlement, ask yourself first if it is really the only and the ultimate solution.

If your liquidity problem is a bit very urgent and needs immediate solution, selling your annuity settlement would not be of much help so think again before selling it. Companies that buy these plans tend to lure you with attractive, but not so comprehensive packages as they do not lay all their cards on the table. At the end, it would only leave you baffled and perplexed without money.

What these companies are not telling you is that selling or transferring an annuity is a long process. There are legal obstacles on the way, which you both-seller and buyer-have to face and deal with first. You would need to file an application in a court as all transactions should be recognized as legitimate by the court. That is just the beginning. The procedures happen in a succession that you couldn't complete them simultaneously.

They are to be completed one after the other and the whole process may take you two months to finish. The companies do not tell you this until you are already caught in the middle of the process and there's no turning back anymore because it already cost you money or maybe turning back would cost you even more money. The companies do not tell you this, of course, because they would not want to lose your annuity.

Read more Is Selling Your Annuity Settlement The Ultimate Solution?

Is your Annuity Good or Bad?

2008-11-12T00:43:00.000-08:00

Annuities are probably the most maligned and misunderstood of all safe investment alternatives. They are often championed as the best thing since paper money by those who sell them and smeared by stockbrokers, business reporters and virtually everyone selling securities (Personally, I've never understood why investments that have risk are called "securities"). In fact, no financial product is universally good or bad for all people: annuities are no exception. But, annuities do fill a void for conservative Americans looking for a safe place to save money. If you're looking for excitement, wild price swings and something to talk about during happy hour, forget annuities and go for investments that rise and fall like a kite in a high wind. Just be sure you can handle the risks.

Possibly, you already own an annuity or are thinking about placing your hard earned money into one. If so, you should plan to keep your annuity for the longer term - five years or more. If your investment horizon is less than five years, think bank! Like many other alternatives, annuities typically need at least five years to deliver the most attractive results. The longer the growing season for your financial garden, the larger the harvest is likely to be.

Nonetheless, annuities are not for everyone, nor are all annuities created equal. Some really are better than others. Just because you are willing and able to make longer term investments doesn't make annuities the right choice for you. My purpose in telling you about annuities is to help you understand them better and to pick those that are appropriate for you or to get rid of the ones you shouldn't have bought in the first place. You'll learn which ones to keep and which ones to throw back, and you'll learn about one particularly rotten class of annuities: two-tiers.

Sadly, the press isn't much help in learning about annuities either because journalists haven't taken the time to learn about them, or worse, he or she may have an agenda other than full disclosure. In fact, some financial columnists make their living selling securities. To some extent, newspapers depend on advertising purchased by brokerage firms and banks, and use data supplied by them. They need these advertisers and don't want to alienate them. Bear in mind that brokerage firms and banks suffer wallet share loss every time one of their clients buys an annuity.

In other words, it is not in their best interest to say complementary things about annuities. Why would a banker that sells FDIC insured CDs or a stockbroker that sells stocks and bonds have anything good to say about annuities? Would brokerage firms advertise in a newspaper, or treat a reporter to a power lunch, that praised annuities? Would you get objective information about the need to preserve the wolf population from sheep ranchers whose animals are being eaten by wolves? In both cases, I think not.

In that context, it's obvious why bankers and brokers are so anti-annuities. Don't hold your breath waiting for them to admit their biases. Frankly, their prejudices are so ingrained they actually buy their own stories. I'd like to set the record straight by giving you the real story about annuities. (Just for the record, I'm neither a banker nor stockbroker.)

My objective is to empower you with sufficient information to determine if the annuity you own, or are considering, is right for you. I will show you how to weigh your annuity on the "Good-Bad Annuity Scale" and draw your own conclusions. If you understand what an annuity can and cannot do, it will be hard to fool you into buying something you don't need or not buy something you really do need. It is just as bad to miss the bus as it is to take the wrong bus, because either way you won't get to your destination. I want you on the right bus to a happy retirement where you'll earn the most from the money you've saved for your golden years.

By the way, Americans purchase more than $200 billion in annuities each year and trillions of dollars are currently invested in annuities. That's a lot of money sheltered from current income taxes, out of the reach of most creditors, that can be used to buy a guaranteed lifetime income
you can't outlive, and that will bypass probate when the final trumpet sounds. The majority of these annuities were not sold by banks and stockbrokers (they were busy selling CDs and securities), and they're understandably unhappy about their lost profits and commissions. I can see their point... but it's your money.

Author: Shelby Smith

How To Easily Sell Your Annuity Payments

2008-10-05T19:59:00.000-07:00

Some businesses purchase annuities from investors who need physical money; this process is called selling annuity payments. If an investor chooses to trade his annuity, potential buyers will offer a lump-sum bargained imbursement depending on the complete current assessment of the contract. If you are planning to sell your annuity payments read this article first to learn! Some tips included in here can help you with the process.

Selling a portion or all of your annuity payments offers you an opportunity to utilize the money in its full potential. Most of the selling annuity payment plans are customized, enabling the person engaged in it to identify how much is to be paid individually.

There are more important things to keep in mind if you are considering on engaging on selling annuity payments such as:

1. Profits. Always remember that companies that purchase structured settlements hope to profit from their purchases. The profits will come out of the payments that can be received otherwise. Think about what matters more. Is it getting the structured long-term payment or getting lump sum payment?

2. Tax consequences. This is a usual structured settlement which is designed to give major tax advantages to injured plaintiff. Relatively, there can be major tax consequences connected with all or just a part of the settlement. There is a strong possibility that a lump sum acquired through the settlement sale will be taxed. You must clarify the facts and figures first before deciding on anything.

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Inherited Annuity - A Boon or a Bane?

2008-09-18T19:36:00.000-07:00

Annuity plans may make sense to the original who bought it but it may not mean anything to those who inherited it. It may be that the heir is in an income tax bracket higher than that of the original plan holder and small payments for him are rather insignificant. In this case, selling the inherited annuity is a good option.

Another good reason to sell inherited annuity is the tax that comes with it. Income from the inherited annuity is not free of tax. You would be taxed as your benefactor was taxed before. There are cases wherein the inherited annuity could put you in a higher tax bracket and prompt a costly tax bill that should be paid within the period of five years except if you choose to take the money over time.

Annuities are not like other inheritances, which cost minimal or at least acceptable taxes when sold later. Inherited annuities generally cost more because they fall under ordinary income tax with a ceiling of resounding 35 percent, which applies to all gains upon distribution. What's more, they are included in the taxable estate. So the key question to ask is the how the annuity was paid.

If the annuity was purchased by an employer to give to the original owner as part of his benefits, then 100% of every payout would be taxed in the heir's top income-tax bracket. This rule also applies if pretax money was used to buy the annuity; pretax money like from Individual Retirement Account. However, if the annuity was bought with after-tax money, some portion of every payout received by the beneficiary would be tax-free return of principal-only the earnings part of the annuity is taxed.

Proceed to Inherited Annuity - A Boon or a Bane?

The Best Ways To Sell Your Annuity

2008-08-11T07:18:00.000-07:00

If you are searching on the easy and quick ways of acquiring large sums of cash in just a short period of time, you can focus on selling your annuity. Nowadays, many people, especially those who need an immediate source of income for their finances are selling their annuities. What then are the ways to sell annuity payment?

The primary reason why a person is selling an annuity is to receive lump sum cash from it. The first question to ask is: "Am selling the entire annuity or just a partial of it?" You are assured of acquiring a large sum of money on either way. Having a plan for your investment strategy and diversification for your assets is highly recommended to increase the profit potential.

Selling annuities is more about having leads. You will not survive if you will not have a stable stream of qualified leads. Lead hunting can be an important tool but it can also be a hard thing to do. A second tool to a successful annuity selling is having an effective closing system. Leads that cannot be converted to sales and commissions are worthless. Closing of deals will not really be possible without a good system.

People sell annuity payments oftentimes to have a large purchase. You can get a lump sum amount in one payment instead of having monthly payments. This is more helpful especially if you want to finance a huge down payment or you want to purchase a home or a vacation property.

Read more The Best Ways To Sell Your Annuity

Sell My Annuity Payments

2008-08-08T09:30:00.000-07:00

What are annuity payments?

In order to understand the benefits of selling annuity payments, it is first essential to discuss what annuity payments actually are. Basically, annuity payment is defined as time value of money wherein a formula of evenly-spaced flow of cash annuity is used. These may include payments for mortgage or monthly recipes from your retirement account.

The payment for your annuity should always be the same amount during each period and it should occur at even intervals. Payments should also be made exactly at the start or at the end of each period. It should include all inflow as well as outflow and represent the payment during the compounding period.

How to receive annuity payments

When you decide to purchase annuity, an important factor you need to consider is the method on how you want to be paid. You have the option to select payouts for a set period or it can be continued throughout your lifetime. There are also options wherein the beneficiary can choose to receive the annuity payment upon your death.

There are several choices namely the straight life option, the joint or survivor option, and the refund annuity. The straight life annuity enables you to derive income throughout your lifetime even after the money you had put into annuity has already been used up. However, if you die even before the account has been used up, nobody can collect the payouts. The straight life annuity is perfect for someone who don't have any dependents or for a person who needs to maximize his income.

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Sell Retirement Annuity For Lump Sum Payment

2008-07-26T02:44:00.000-07:00

The average life expectancy is now higher than ever because of advancements in technology and medical treatments. Because of this, lifetime annuities are being used to fund a person's retirement. It is important to note that there are basically two kinds of lifetime annuities namely the fixed type and the variable type. Some people decide to sell retirement annuity early on because they need instant cash. But before we look into that, it is essential to understand what annuity investments really are.

The variable annuity is a good investment option for people who want to have retirement savings because the interest rates of this annuity are dependent on the market rates. For example, you can choose to put money in stocks, in bond, in other money market options, and in real estate. The variable option also offers tax deferral through the use of insurance policies. And it is notable that the underlying benefit of variable annuity is on the capital gains from the investment amount because it is not subject to tax.

Annuity payments are definitely a good way to have monthly income during your retirement. But there are cases wherein you will need cash immediately; you cannot wait for the scheduled annuity payments that regularly arrive. It is a good thing then that you are given the option to sell your retirement annuity for lump sum amount. Selling your retirement annuity payments can enable you to get the money you need right when you need it most.

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Reasons To Sell Structured Settlement Annuity

2008-07-07T10:23:00.000-07:00

You might be curious as to how insurance settlements are structured though; you need to realize that insurance companies purchases annuity with a lesser amount compared to your original settlements.

The annuity will pay in a combination of the principal amount and the interest rate over a certain period of time until it earns enough for your monthly payment.

But with the option to sell your annuity, you can sell your future payments immediately and be free of the disbursement schedule that was imposed by your structured settlement.

Read more Reasons To Sell Structured Settlement Annuity at http://www.aredconsult.com/sellannuities/sell-structured-settlement-annuity.htm

Sell Tax Deferred Annuity

2008-07-04T20:01:00.000-07:00

There are tax free investments available on the market such as municipal bonds but annuities are different because any gain you derive from this will be taxed.

However, take note that you will only need to pay these taxes after you decide to withdraw your gains in your annuity.

Read more Sell Tax Deferred Annuity at http://www.aredconsult.com/sellannuities/sell-tax-deferred-annuity.htm