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THE FINANCIAL INSTITUTION’S ROLE IN BANKING SERVICES

31975760-Vector-banking-symbol-financial-institution-icon-Speech-bubbles-with-bank-building-and-dollar-curren-Stock-Vector

Basic concepts in banking services: The main concept are account, ATM, bad check or bounced check, bank, checking the account, credit card, debit card, deposit, direct deposit and many more. Account: Banking services will allow the customers to handle and track their money. Commonly the bank account are saving and checking the account. ATM:  It is a special type of computer which will help the customer to handle his account and money. They can be like taking cash, transferring money from one account to other and depositing. Bad check: If there is no fund in the account then the check will get bounced and it is called bad check or bounced check. Debit card: A card will be linked to your account by using this card you can take money from ATM anytime and anywhere. And also you can do deposit and you can do shopping.

Financial Institutions:

 Bank  are in all sizes and they are opened in all locations. Banks will provide safe, security and very easy services by this we can grow a good and bright future .Bank employee are very user friendly they welcome you, respect you and make you happy. San Francisco banks are one of the best.

Benefits of using financial instruction activity: There are many benefits of these financial institutions let us see some of them,

Safety: It is more risk to keep your money in cash because it may get stolen or you may send it unnecessarily. But financial institutions like banks will keep your money safe.

Convenience: You don’t want to take your cash where ever you go, if you keep money in bank you can withdraw the money anywhere and anytime.

Money saver: There is no need of using check cashing store it will cost more amount. But these banks will not cost you any money.

Security: In all banks they must follow the government laws so that they will give you good security by doing insurance to your money.

Financial future: Good knowledge person in banks will give you good advice to create a bright future.

Types of financial institutions activity:

There are different types of institution activities. There are many types of financial institutions namely, bank, credit unions, saving institutions.

Credit union: The money will be insured in the credit union administration.

Saving institution: They have main roles in the house loans and personal loans.

Banks: These are been controlled by the central or state regulations so all laws are been maintained by state or national.

 

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How To Obtain Best Annuity Rates In The United Kingdom When Retiring?

Statistics reveal that nearly two-thirds of the persons retiring in the United Kingdom had been accepting low annuity income schemes from their individual pension providers. They had never realised that the option of selecting an open market option will increase their monthly income by as much as 30% maximum, depending on the type of the open market option. This lack of knowledge about how annuity rates work and the process of obtaining the best annuity rates had resulted in a loss of thousands of pounds to such people every year until they are alive. Such people had not thought of enquiring around about annuity rates and analysed the various pension annuity schemes that could have fetched them appreciably higher monthly incomes.

As such, it is highly important to consider the various pension annuity schemes and options available to a person and select the right pension income scheme that offers the best annuity rates. This is due to the reason that the pension annuity cannot be changed to a different type or the provider cannot be switched. Once purchased, the pension annuity will remain unaltered for the rest of the life of the retiree. Hence, all the possibilities of obtaining an enhanced annuity scheme or other types of impaired annuity schemes should be thoroughly explored before taking a decision on the pension annuity purchase and the annuity rates offered by the various providers.

According to the UK pension annuity laws, when an annuitant receives special advice from an authorised Independent Financial Adviser (IFA) that is part of a registered annuity and pension bureau, the annuitant is protected by the consumer laws if the advice of the IFA is found to be inappropriate. Hence, when you approach the IFA, you should discuss in detail about the options and features offered by the various providers and the benefits and demerits of each pension annuity scheme. If you do not understand terms like phased retirement, income drawdown, etc. you should specifically ask for clear explanations about their advantages and drawbacks from the IFA. This way, you will be able to ensure that you get the best annuity rates, with maximum monthly annuity income for the rest of your life.

According to available statistics, the present annuity rates in the United Kingdom are the lowest in the last 40 years. This should not make you think that the annuity rates will not increase in the near future, when the economy becomes more vibrant. The annuity rates and the resultant pension income from the purchased annuity are depended on several subtle and key economic factors. Economists are of the opinion that the annuity rates can only remain at present levels or even decrease further in future, with no possibility of any increase. That is why you should spend sufficient time to compare the various pension annuity quotes and decide on the best annuity rates before purchasing the annuity.

Since the insurance companies offering pension annuity schemes invest the money in government gilts and investments, the changes in inflation rates will reduce the yields from their investments. This factor will influence the insurance companies when they offer annuity rates. Since perceptions will vary from one insurance company to another, the annuity rates will also vary. It is advisable to shop for the best annuity rates to maximise the monthly annuity income.

Based in the UK, BestAnnuityRates provide independent specialist advice on how
to get the best annuity rates.
With nationwide coverage we help our clients to find the best annuity rates available from the whole market.

Charitable Gift Annuity –
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Image by Elva Keaton
Charitable Gift Annuity

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Five Things You Must Know About Annuity Accounts

An annuity account will help you get money when retirement comes. An annuity may involve many different parties and come in different kinds. Just like other investment plans, they also have their share of advantages and disadvantages.

If saving for retirement or just a medium to long term plan, an annuity may be the correct choice for you. It is quite important to research annuities so you will make the right decision. Here are certain basic details that you should know about annuities:

Knowing an annuity account

An annuity account is an investment contract between you and the investment company, generally it is an insurance company, wherein the latter periodically pays the annuitant a specific sum of money beginning at a particular period in time and for a specified span of time. An annuity lead is how you will be reached. As soon as you sign a contract, the company gets your money. You will begin to get payments beginning on the determined date for a number of years or perpetually. Annuities are a good idea for those getting ready to retire.

The concerned parties

The insurance company, the payor, and owner of the contract, the annuitant, and the beneficiary, are the parties of an annuity contract. The insurance company itself has the responsibility of contracting the agreement, as well as paying the returns to the owner of the annuity. To invest with the insurance company, the owner-payor supplies the funds. The annuitant is the recipient of the returns, while the beneficiary receives the returns in case the annuitant passes away during the course of the contract or depending on the stipulation of the contract. Generally, the owner-payer is also the annuitant.

Several types of an Annuity

There are various kinds of annuities. Annuities can be immediate or deferred, fixed or variable annuities, fixed period or lifetime annuities and two-life annuities.

*It can be deferred or it can be immediate. Annuities can be identified based on when the payouts are made. With immediate annuities, you pay the investment amount in a lump sum and start receiving returns the year after. In case of deferred annuities you start receiving returns after a stipulated number of years even if you invest lump sum or on installment basis. The accumulation period refers to the years between payment and returns.

*Fixed or varied. Annuities may also fixed or variable. The accounts which offer you a fixed sum of returns every year during the fixed currency of the deposit period are technically termed as fixed annuities. Variable annuities fluctuate depending on the given vehicles’ performances.

*The lifetime fixed period. Your annuity account can be for a fixed period or a lifetime as well. With a fixed period annuity, you will receive your returns within a stipulated number of years. For instance, you may prefer an annuity account which allows you to receive a certain amount of money every year starting at age 60 and continuing through age 80. The 20-year fixed contract means that payments are fixed for that period of time. Your beneficiaries will receive the specified amount until the contract ends, if the unfortunate happens before the term ends. You may also choose a lifetime annuity which provides yearly returns beginning on a designated date. If your life ends during the repayment period, your beneficiaries will find themselves unable to attain the specified amount.

*Two-life annuity applicable. In a two-life annuity, a spouse continues to receive the specified amount after the annuitant dies. Payments will continue until the spouse also dies.

Advantages of Annuities

One of the great things about an annuity is that it provides continuous income for those who are planning for retirement and for those who have medium- to long-term plans. Taxes are also deferred with annuities, unlike other investments. You only begin paying taxes after you’ve begun to receive your returns. Due to the combination of savings and insurance, annuities can be very wise investments for you to make. This will allow you to save for the future while also provide life insurance.

Disadvantages of Annuities

While annuities offer attractive benefits, they also have some drawbacks you might want to consider. First and the foremost, annuities do not enhance your investment, particularly if you choose fixed annuities. Unlike other investment vehicles, annuities offer fixed or limited returns, unless you opt for variable annuities. You cannot get the money anytime you want as annuities are inflexible. If you choose to terminate the contract early, you would get a lower amount than what you invested. There will also be penalties and taxes to pay.

All investments have their benefits and drawbacks. The wisest way to choose an investment is to look at your needs and understand the risks that are present. If you believe your needs are in the long-term and you definitely want returns, an annuity may be the best answer for you.

More information about Annuity Leads can be found by visiting http://www.toppickleads.com/annuity_leads.html.

Image from page 8 of “Trigonometria” (1658)
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Image by Internet Archive Book Images
Identifier: trigonometria00newt
Title: Trigonometria
Year: 1658 (1650s)
Authors: Newton, J.
Subjects:
Publisher:
Contributing Library: The Computer Museum Archive
Digitizing Sponsor: Gordon Bell

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Text Appearing Before Image:
of Money and Annuities, at any Rate or Time propounded- The other, the ufe or application of the Canon of ArtificiallSines, Tangents and Logarithms, in the moft eafie and compendious wayes of Refolution of all TRIANGLES,whether PLAIN or S PHERICAL. TheoneCompofed,the other Tranflated, from the LatindCopie written by HENRT CjELLlBKAND, Sometime Profeflor of ASTRONOMT in Grejham-ColkdgeLondon, A Table of Log arithms to 100.000, thereto annexed.With the A rtificial Sines and T a n g e n t s, to the hundred part of every Degree; and the three firft Degrees to a thoufand parts. By John Newton, ^M. <±J. L 0 3CtD 0 3%:Printed by R.&W. Ley bourn, and are to be fold(jeorge Hnrloc at Magnus Church corner, fofhuab j^ir.on at the Kings Arms, and Thomas Pierrepont^ at the Sun in Pauls Church-yard^ and *William Ftfher at the Vo&ern neer Tower-HUH. c lviii, Digitized by the Internet Archive in 2012 with funding from Gordon Bell archive.org/details/trigonometriaOOnewt

Text Appearing After Image:
TO THE MOST ILLUSTRIOUS LORD. THE L O R D Richard Cromwel, Mji Lord, ■ Ommon Experience , and thedecay of Trade, do fufficientlydemonftratehowufeful andne-ceflary the Art of Navigation is,both in refpe£t of the fafety, andof the enrichment of the Com-mon-wealth j to the knowledgewhereof it is impoffible that menfhouldattaine in any competent meafure, unlefle theyfirft learn the Do£trine of Plain and Spherical Trian-gles ,• and there being but fmall encouragement hi-therto given, to thofe that have , and doe (till beftowtheir pains in this, for the publick good, we are notto wonder, if the mod of our Sea-men, be not fo wellskilled as they fhould in the Art they profefle; Butyour Honour having taken my Mother the Ancientand Famous Univerfity of Oxford under your protecti-on, and given a general countenance to Learning, I A 2 amtrigonometria00newt

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Information On Cash For Annuity Payment

There are many financial institutions that offer cash for annuity payment. They will give you lump sum cash in exchange for your annuity. Annuity is a financial investment that many people make either in single lump sum or through installments, which can be completed in 20 to 25 years.

After the completion of payment, the company from which you paid annuity premiums will pay you for your entire life or for a fixed number of years, either monthly, quarterly, semi-annually and annually a fixed sum.

Annuity is a good investment to secure your future after retirement. But there are times in your life where you face emergency situations that require the use of immediate cash. Maybe you have set aside sufficient funds for emergency uses.

Depending on the nature and gravity of the situation, you may run out of cash. If you have no other savings to use, or if your non-emergency savings are not enough, you may have the option of selling your annuity payments.

Having an emergency situation is not the only reason why you may consider converting annuity payments into cash. Many people sell their annuity investment in order to purchase a real estate property, a dream car, venture into business, or to finance an education.

There are institutions which offer the services of purchasing the payments you have made for your annuity, and this can solve your immediate financial worries. Annuities, though may serve a significant role in meeting your plans, they are not flexible and capable of solving immediate financial problems.

In the United States of America, more than thirty state governments decided that their residents should have access to this important resource and allow for the smooth transfer of the annuitant’s rights to receive payments when it is deemed to be in his best interest.

In all fifty United States, you are able to convert your payments into cash. If you are interested in this undertaking, you may get a free annuity analysis provided by the institutions.

Some financial institutions buy other annuities such as non-structured insurance annuities, single premium immediate annuities, and investment annuities.

Cash for annuity is flexible. You have the option of choosing the number of payments you would like to sell, the funding company that will provide for your lump sum payment, and several options for payment.

Normally, after you have submitted your information, it will take 6 to 8 weeks for you to cash in your annuities. Many financial institutions will bid for your payments, and they will offer you more flexible terms and payment options.

You have to bear in mind though that the lump sum you will receive from financial institutions for annuity payment will be lower than what you would have received once your premium payment matures. This is one way that financial institutions earn their profit.

If you have any type of structured settlements and would like cash them out go to http://sovereignfunding.com . We provide you safe services with the selling of your deferred payments. We can get you the lump sum payout that you want. Go to Cash annuity payment and get all the details.

United States Capitol
annuity
Image by peterjr1961
Surrender of General Burgoyne

The event shown in this painting is the surrender of British General John Burgoyne at Saratoga, New York on October 17, 1777. Burgoyne’s surrender followed battles with American General Horatio Gates near Saratoga on September 19 and October 7, 1777. With the British losing men and defenses during both engagements, Burgoyne retreated with a weakened army to Saratoga, where he surrendered to General Gates. This turning point in the American Revolution prevented the British from dividing New England from the rest of the colonies, and it was the deciding factor in bringing active French support to the American cause.

This painting depicts General Burgoyne prepared to surrender his sword to General Gates. Gates, showing respect for Burgoyne, refuses to take the sword and instead offers hospitality by directing Burgoyne to the tent to take refreshment; the American flag flies in the wind at the top of the tent. American officers gather at the sides to witness the event; their varied dress reflects their different units. In the center of the painting, and extending into the background, is Burgoyne’s army along with its German reinforcements. They were directed to the camp by American Colonel Lewis, Quartermaster-General, who rides on horseback in the far distance. The scene suggests peace rather than combat or hostility: beneath blue sky and white clouds, officers wear their dress uniforms, weapons are sheathed or slung, and cannons stand silent.

Burgoyne’s surrender was among the subjects John Trumbull selected for a series of history paintings when he began to “meditate seriously the subjects of national history, of events of the Revolution,” in 1785. In September of that year, Trumbull wrote his brother that he was thinking of scenes related to battles of Bunker’s Hill, Trenton, Saratoga, and Yorktown. In 1791, he sketched a landscape study for the surrender site at Saratoga. In creating the painting for the Capitol, he included the same large tree in the left foreground and many other topographical features but added more trees and autumnal leaves. Trumbull based most of the figures on portraits he painted from life in the early 1790s. The Surrender of General Burgoyne was completed in December 1821 and was exhibited in New York City from January to March of the following year.

Trumbull performed the first cleaning and restoration of his Rotunda paintings in 1828, applying wax to their backs to protect them from dampness and cleaning and re-varnishing their surfaces. At the time, Trumbull also repaired damage to the right foot of Colonel Daniel Morgan (dressed in white and standing at the head of the officers gathered at the tent), which was cut out with a sharp instrument, most likely a penknife. Throughout the 19th and 20th centuries the painting was cleaned, restored, varnished, and relined. All of the Rotunda paintings were most recently cleaned in 2008.

Between 1822 and 1832, Trumbull created a smaller version of this painting that is now part of the collection of Yale University Art Gallery. The painting in the Capitol and the later version are similar in composition but differ in details. In the later version Trumbull made changes to the facial features and expressions of figures, the direction the flag blows, and the topography of the landscape. It was Trumbull’s version for the Capitol that appeared on a .00 stamp in 1994.

John Trumbull was born in Lebanon, Connecticut, on June 6, 1756. His father, Jonathan Trumbull, was later Governor of Connecticut (1769–1784). John entered Harvard College in 1771 and graduated in 1773. He created numerous sketches of significant people and places, even during his service as an officer and General Washington’s aide-de-camp during the Revolutionary War. Resigning his commission as colonel in 1777, he painted for two years and then went to England, where he studied under renowned history painter Benjamin West and at the Royal Academy of Arts. In London, Paris, and New York City, he created scenes of the American Revolution and life portraits or sketches of many of the individuals who would appear in them. He also painted portraits of other notable persons and numerous religious scenes.

From 1794 to 1804, diplomatic postings in London interrupted his work, and his artistic skill suffered. However, he remained successful as a portrait painter, and exhibitions of his earlier canvases led to an 1817 commission for four large paintings to be placed in the Capitol Rotunda; these were installed in 1826, but he failed to secure a contract for additional Rotunda paintings. He returned to the religious subjects of his earlier career but fell on hard times. In 1831 he deeded many of his works to Yale College in exchange for a 00.00 annuity. Trumbull died in New York City on November 10, 1843, and was interred beneath the art gallery at Yale that he designed. In 1867, his paintings and his remains were moved to the new art gallery (now Street Hall).

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Annuity IRA – One Major Benefit

Annuity IRA confusion is very common with new clients. The debate goes on and on between financial professionals. Interestingly, a lot of financial reporters are also debating on the subject. We are only going to focus on the positive or what are the benefits to owning an annuity IRA?

Some basics, even the question can be confusing. Should you put an annuity in an IRA or should you use an annuity for your IRA account? An annuity IRA is actually an IRA that is invested in an annuity. An IRA is a special kind of retirement account and the annuity is what the account is invested in inside of the account. It can be confusing because the IRA account can be opened at the same place that the investment is held which makes it seem like the same thing. So an annuity IRA is just a retirement account opened at the insurance company.

Should an annuity be in an IRA? What are the benefits?

The short answer is yes! But that doesn’t really help. There are so many benefits that for now we will just look at one of the great ones.

Principal and income guarantees are the main reason to use an annuity IRA. Most insurance companies are offering some incredible guarantees that were not available several years ago. My favorite is the income guarantee. The income rider guarantees a certain amount of income to be available from the moment of putting the investment in. If you don’t take any money out it gets even better and you do not lose access to your principal.

The process begins by creating an extra account that is used only to calculate an income amount and not for cash with drawls. Think of it like an extra benefit not a cash account. The insurance company will guarantee a certain rate of increase, maybe 7%, and your extra account value goes up by that amount each year that you do not take money out. For your annuity IRA this is a fantastic benefit but there is a catch – the 7% ends when you start taking money out and to keep the guarantee they have limits, maybe 4.5% per year of the total extra account value. The good news is that your original account can easily surpass this extra account and when it does you would just take income from that and forget about the extra account.

What is the benefit? You are guaranteed that you will have a certain amount of income at some point in the future no matter what the market does or how interest rates perform. So no more worries about how you will outlast the storm of the bad economic conditions. No more financial worry at all really, just takes your income and live your life. This provides a worst case guaranteed scenario that is actually a good case scenario and not bad at all.

Guaranteed income lets you relax and can also let you earn more money because now your other money can be invested for growth because the safety and income portions of your portfolio are taken care of for the remainder of your income needs and possibly even your life. One idea that I use a lot is to invest enough of your main nest egg to provide adequate guaranteed income to cover your expenses. Then invest the rest of your investment money in conservative growth investments or I personally like real estate better but it is not right for everyone. No matter how the market performs you will always be guaranteed that your expenses and lifestyle will be paid for by your annuity IRA.

What does the income guarantee mean for your annuity IRA? If you invest in an annuity you could take the stock market roller coaster out of your investment plan for good. When your friends are losing money and wondering what they are going to do you can rest assured that you are protected and safe. You would have guarantees where they would not.

Annuities can be very beneficial. I like the income guarantees and no other investment offers a true income guarantee like annuities. An annuity IRA with the income guarantee can bring some financial peace to your life in the midst of any kind of economic conditions.

For detailed answers to annuity IRA questions sign up for Keith’s 7 Free Annuity IRA Tutorials or visit his Annuity Help Now blog. His tutorials contain step by step about annuities and how they work in protecting your nest egg and creating a secure and stable income regardless of market fluctuations.

James Warden memorial, Charmouth churchyard
annuity
Image by Stoutcob
The inscription reads:

TO
THE MEMORY
of
JAMES WARDEN Esq
Who fell in a Duel the 28th
April 1792
In the 56th year of his age.

‘In 1783 on the death of Francis Phipps Henvill, the Manor of Charmouth was purchased by Lieut. James Warden R.N…

It is a puzzle how James Warden was able to afford Charmouth and also Langmoor Manor where he resided. It has been conjectured that it was from prize money for the nineteen Sea Battles he fought in. But the Will for his wife shows them owning considerable property at Wapping, near London.

He quarrelled with his son, whom he disinherited, and in his will left the Estate to his wife and upon her decease, upon trust, out of the rents and profits they were to pay to his son, William Weeks Wharton, £20 a year during his life by 4 evenly quarterly payments. But in case he should at any time sell, dispose of, or make away with or borrow money upon the said annuity. Then declared the bequest therof should be deemed void. The trust money was derived from Charmouth House property and other houses. It is interesting to see that the son was to live a long life and is still shown as living in his house in Charmouth when the Manor of Charmouth comes up for auction in 1854.

In 1789 James won an action against the Rev. Brian Combe and others for removing sand and seaweed from the beach.

His arguments climaxed with a disagreement with a neighbour, Norman Bond that resulted in a duel at Hunter’s Lodge Inn with James being shot through the heart and the neighbour fleeing the country to Barbados. The episode is recorded on the large tabletop tomb near the entrance to Charmouth Church. His Wife, Elizabeth, was to survive him by 7 years, but not it would seem broken hearted. For a letter turned up where the writer says that:

“Mrs, Warden welcomed and even courted her widowhood. She chose the pistols, thanked the gentleman who had lent them and made no effort to prevent the duel, although she lived close to a magistrate. In short she seemed determined that one of them should fall. If Mr, Bond, that her husband must be hanged, and if the latter, she was fairly rid of him”. She was to lease Langmoor to a Mr Dicken and move to Axminster where she was to spend her last years. ‘
www.charmouthhistory.com/warden.htm

"When Warden and Bond met in the street, an argument ensued in which Warden became extremely abusive and threatened to shoot Bond’s dogs," en.wikipedia.org/wiki/James_Warden

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What Is An Annuity and Why Do I Need One?

In simplest terms an annuity is an agreement to pay out a regular sum in return for a one-off investment. For example, if you could gave me 100GBP I could agree to give you back 10GBP a year for a set number of years.

In practice, annuities are a little like a ‘reverse life insurance’ policy and act as a way for you to release the value in your pension fund when you retire.

You spend your working life building up a nice fat pension pot. When you retire you hand that over to an insurance company by purchasing an annuity. In return the company selling the annuity agrees to pay out a set percentage of that amount each year for the rest of your lifetime (lifetime annuity). At the end of your lifetime whatever is left over is pocketed by the insurance company.

So, if you bought an annuity for 500,000GPB at 7%, then the provider would then have to pay out 35,000GPB a year for either an agreed number of years or until you pass away – in effect, giving you a regular income of 35k for life.

The longer you live the more you get.

You Don’t Have to Buy Your Annuity from Your Pension Provider

Many people are under the mistaken impression that they have to buy their annuity from the company that provides their pension – you don’t. Just like any other insurance product you can, and should, shop around to find yourself the best annuity rates available. If you make a mistake or enter into an annuity blindly you could be unnecessarily reducing your annual income in retirement – for the rest of your life.

It’s also worth bearing in mind that you can personalise your annuity to suit your own personal income requirements. For example, you may choose to have the amount paid out increase with inflation – especially useful if you plan on enjoying a good long retirement – or run for a maximum or minimum number of years.

Of course they still need to make money so the amount you are paid annually will be based on factors such as age, sex and the current bond rates (i.e. how much they can earn from investments). It might not sound nice but the insurance company ‘wins’ if you die sooner rather than later so an annuity bought at 60 years old will almost certainly pay out less per year than one bought at 70.

Is your annuity the most important financial question of your retirement?

It could be, yes.

Annuities are certainly one of the most secure ways for you to provide yourself with a guaranteed income for life. However, once an annuity is purchased it cannot be moved or changed in any way. With that in mind, it’s vital that you choose the annuity that best suits your needs.

In other words you need to get annuity advice to get the best annuity rates.

Shop around, get expert advice and speak to an independent financial adviser – but whatever you do, don’t just take the first annuity that’s put in front of you by your pension provider. Whatever you choose, you’re going to have to live with it.

Gareth Flanagan is an independent financial adviser with Principle First Financial Services one of the UK’s few firms of Chartered Financial Planners. To discuss your options, or receive
financial advice visit us on-line.

James Warden chest tomb, Charmouth churchyard
annuity
Image by Stoutcob
The inscription reads:

TO
THE MEMORY
of
JAMES WARDEN Esq
Who fell in a Duel the 28th
April 1792
In the 56th year of his age.

‘In 1783 on the death of Francis Phipps Henvill, the Manor of Charmouth was purchased by Lieut. James Warden R.N…

It is a puzzle how James Warden was able to afford Charmouth and also Langmoor Manor where he resided. It has been conjectured that it was from prize money for the nineteen Sea Battles he fought in. But the Will for his wife shows them owning considerable property at Wapping, near London.

He quarrelled with his son, whom he disinherited, and in his will left the Estate to his wife and upon her decease, upon trust, out of the rents and profits they were to pay to his son, William Weeks Wharton, £20 a year during his life by 4 evenly quarterly payments. But in case he should at any time sell, dispose of, or make away with or borrow money upon the said annuity. Then declared the bequest therof should be deemed void. The trust money was derived from Charmouth House property and other houses. It is interesting to see that the son was to live a long life and is still shown as living in his house in Charmouth when the Manor of Charmouth comes up for auction in 1854.

In 1789 James won an action against the Rev. Brian Combe and others for removing sand and seaweed from the beach.

His arguments climaxed with a disagreement with a neighbour, Norman Bond that resulted in a duel at Hunter’s Lodge Inn with James being shot through the heart and the neighbour fleeing the country to Barbados. The episode is recorded on the large tabletop tomb near the entrance to Charmouth Church. His Wife, Elizabeth, was to survive him by 7 years, but not it would seem broken hearted. For a letter turned up where the writer says that:

“Mrs, Warden welcomed and even courted her widowhood. She chose the pistols, thanked the gentleman who had lent them and made no effort to prevent the duel, although she lived close to a magistrate. In short she seemed determined that one of them should fall. If Mr, Bond, that her husband must be hanged, and if the latter, she was fairly rid of him”. She was to lease Langmoor to a Mr Dicken and move to Axminster where she was to spend her last years. ‘
www.charmouthhistory.com/warden.htm

"When Warden and Bond met in the street, an argument ensued in which Warden became extremely abusive and threatened to shoot Bond’s dogs," en.wikipedia.org/wiki/James_Warden

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Find out if you qualify for enhanced annuities using the annuity calculator

As you approach retirement you will be considering how you are going to find the best annuity rates. You will receive a pack from your pension company outlining their proposal for your pension. At this time in your life you should consider shopping around with your pension fund to see if you qualify for enhanced annuity rates. An annuity calculator can help you find annuity rates and tell you if you possibly qualify for enhanced annuity rates.

An annuity calculator is a simple to use piece of software that very quickly tells you the rates of annuity providers from the entire market. Entering your basic details will allow you to compare the annuity rates you have been offered by your pension company against those of the other providers.

The information that the annuity calculator requires is your name and address, your date of birth, your gender and then you select options that you want built into your annuity. The options you can choose from are:

* Frequency of income
* Income paid in advance or in arrears
* Increase in Payment (Escalation)
* Partner’s Pension
* Tax Free Cash
* Guarantee periods

The frequency of income can be monthly, quarterly, 6 monthly or annually and this income can be paid in arrears or in advance, most retirees choose in advance as they require the payments to start immediately.

Once the annuity calculator has given you the base annuity rate, you need to consider whether you need the income to increase in payment, referred to as escalation. Also if you were to die you can have the payments paid to a partner and you can choose the level from 100% of the payments to none. The majority of retirees that are married choose 50% for this option.

When you take the benefits from your private pension you are allowed to take a maximum of 25% of the value of the total pension fund if you wish. This payment will be free of income tax. You are not obliged to do so and it will reduce the annuity paid to you if you do.

The final option is guarantee period, this will allow you pension income payments to continue in the event of your death before the end of the guarantee period chosen. So if you chose a 10 year guarantee and died after 36 monthly payments the annuity income would continue to pay for a further 84 monthly payments.

Finally the annuity calculator will provide you with an indication of the rates available for smokers and people with poor health, these type of annuities are called enhanced annuities.

Based in the UK, Retirement Solutions are Independent Financial Advisers (IFA) who can find you the best annuity rates from the annuity tables or by using their unique annuity calculator and provide advice from the entire market.

Image from page 279 of “St. Nicholas [serial]” (1873)
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Identifier: stnicholasserial222dodg
Title: St. Nicholas [serial]
Year: 1873 (1870s)
Authors: Dodge, Mary Mapes, 1830-1905
Subjects: Children’s literature
Publisher: [New York : Scribner & Co.]
Contributing Library: Information and Library Science Library, University of North Carolina at Chapel Hill
Digitizing Sponsor: University of North Carolina at Chapel Hill

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culine nickname; from 27 to28, to wed; from 28 to 1, at a distance, but within view. L. H. HAZELTINE. MIXED SYLLABLES. – rot — car — net — Bul — bon — let — pup — out -son — dam — cut — pet — par. Out of these thirteen syllables form thirteen two-sylla-bled words meaning: I. The Persian nightingale. 2. Atropical bird. 3. A vegetable. 4. A clergyman. 5. Acovering for the floor. 6. A small ball. 7. A coveringfor the head. 8. A small piece of meat. 9. A varietyof plum. 10. An exit. 11. A short poem. 12. A doll.13. A sugarplum. pleasant e. todd. WORD-SQUARE. I. To wind or fold together. 2. A stout cord. 3.Mimics. 4. That which is troublesome or destructive. WORD-BUILDING. Begin with a single letter, and add one letter at atime, rearranging them to form the required words. 1. A letter. 2. A preposition. 3. A heavy weight. 4. Abrief communication. 5. Softens. 6. A short poem.7. Intense effort. 8. Certain annuities. 9. Balms. SAMUEL SYDNEY. THE DE VINNE PRESS, NEW YORK.

Text Appearing After Image:
SOME DAY, PUSSY, WE LL GO TO AMERICA. ST. NICHOLAS. Vol. XXII. AUGUST, 1895. No. 10. THE BRONCOS BEST RACE. By Cromwell Galpin. In the wide door of the barn which wasalmost in the center of what had been the greatYbarros ranch, the foreman of the Foster stock-farm stood talking to Harry Shallten, who had■come down from San Francisco for a visit to hisuncle, and a weeks hunting in the CahuengaMountains. Ah tell e, Maaster Arry, said the man, as ow we ve orses ere as ud make em.•stare at ome. He crooked a big forefinger at a groom, andpointed to a horse in a loose box at the farther■end of the barn. Put is togs on Don Sancho, he said; anda minute later the man led out a big baythoroughbred dancing and pawing and tuggingat the heavy hand that grasped the bit. That there s an orse, said the proudstable-manager, as there is nt nothink finer.Sixteen ands an a hinch e is — a son of Im-ported Australian. We re trainin ofim forthe spring meetin. I dont suppose, now,Maaster Arry, as ow

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Have you heard about the 8% annuity secret?

To get your free e-book “How To Avoid Annuity Traps” click here: http://retirementplanningmadeeasy.com/annuity-traps

When you are considering investing in annuities, you will probably come across an advertisement that seems to guarantee 8% returns on your annuity.

The advertisement may even call it an 8% annuity secret.

What’s really going on here?

Well, if it sounds too good to be true it probably is. And in this case, I promise you it is too good to be true.

The 8% applies to the growth of your income account value. If you have an income rider on your fixed index annuity, it will have an income account value.

This value is used to determine how much lifetime income you can get off the annuity.

The 8% growth rate applies to this income account value. It is not your “walk away money.”

You can’t cash out your income account value and put the money in the bank.

It is only used to calculate how much income the insurance company will be contractually obligated to pay you under the income rider.

Advertising as though you will get 8% on your money is a very “hypey” thing to do.

And what’s crazy is this: These income riders (like the 8% growth income rider) can be used fantastically to plan for your retirement income.

They can give you great predictability as to how much money you will contractually be guaranteed at a certain point in the future.

Also, the income rider gives you the flexibility to still have access to your account values. You can surrender the annuity if you no longer want the guaranteed income stream, and take your money elsewhere.

This predictability and flexibility make it a great tool to use, when used properly in a retirement plan.

So there is no need for hype.

When you invest in annuities, don’t buy in to all the hype. You’re not going to get a guaranteed 8% return on your account value.

To read the full article on this click here: http://retirementplanningmadeeasy.com/investing-in-annuities-8-percent-annuity-secret/

To download your free e-book “How To Avoid Annuity Traps” click here: http://retirementplanningmadeeasy.com/annuity-traps

Best of luck!

Chris Hammond
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How To Sell An Annuity

What is an annuity? An annuity is a regular monthly income stream that a person receives after an initial investment of money. Answering the question, “What is an annuity?” is a lot more complicated, of course. Annuities can be very complex and come in many different forms, so it’s important to learn all you can about them before purchasing and selling. As with everything in life, knowledge is power, so it pays to know more about annuities before you get involved. Once you’ve researched more about them, you can move forward with confidence and make decisions that will benefit you the most.

You must sell an annuity in order to receive a lump sum payment from it – this is the main reason why people sell annuities. Annuities are generally safe investments, but they don’t have high returns, especially when compared to the alternatives. However, they make great short-term investments – it all depends on what you plan to get out of your investment strategy. Diversification is recommended for most people as a way to spread your assets around and reduce risk while increasing the potential for profit.

Oftentimes people sell annuity payments to make a large purchase. Instead of receiving monthly payments you get a full amount in one payment. This can be very helpful if you want to buy a home and finance a large down payment, or purchase a vacation property. The best way to sell an annuity is to find a reliable company to sell it for you. A large company makes annuity selling easier because they have the funds and the experience to make it happen. Of course, there are downsides to selling an annuity through a larger company – you have to pay a fee and you may not get as much for the annuity as you hoped.

You can sell annuity plans in another way, although this isn’t the most popular choice – directly to someone wanting the annuity. Annuity selling through this method involves a lot of legalities in some cases but it’s not impossible to do it on your own. There are many annuity selling opportunities online that can help you sell annuity plans quickly and easily.

There are other ways to sell annuities as well, such as exchanging for other annuities or using them as collateral for a loan. To sell annuity plans you can get rather creative. For example, annuity selling that involves an exchange could work like the following – swap out a smaller payment over a long time period for a larger payment over a shorter term. This is a good option if you can’t sell the structured settlement for a lump sum. You can also make a full swap, if annuity selling doesn’t work out for you. This involves exchanging with a company or individual for an annuity that may be easier for you to sell on your own.

Although the latter method charges more fees and takes longer for all the transactions to be processed, it can yield exactly the results you may be looking for. Using your structured settlement on a loan is not recommended, but if the interest rates are low and you’re willing to go this route, it’s a viable option. This method gives you a higher yield on your annuity and you get the lump sum to use as you please.

To learn more about selling annuities, check out the Annuity Selling Web Site.

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Do I need to Sell My Retirement Annuity?

An annuity is an investment that is made every month for the exact amounts of time to target future payments. Every annuity has a lump sum that is paid into it as a form of investment. The amount of money you make with your annuity has a lot to do with the interest rate that you are being given by the insurance company. Annuities can be for a specific number of years of for life. This does not mean you cannot sell it. For instance; if I need money urgently, I can sell my annuity payments lump sum to solve my financial predicaments. Entering retirement without any formidable source of income or aid can be very damaging to you and your future after work. This is where annuities come in. If I decide to sell my retirement annuity; I can sell to factoring companies or an individual depending on who is paying better. If you choose to sell your annuity payments at an early stage for personal reasons, no one can stop you.

There is the need to be very certain of the long term effects that might come with selling off your annuities now. I have for instance 5 years left for my payments to be made to me. However; I can decide to sell my annuity payments lump sum to a company interested. Here, there is the need for me to make sure I do so in the right manner. I do not have to sell them all to one person or company. I will sell my retirement annuity but only a part of it. The profits that you get from your annuity investment will be determined from the very first day you signed up for the exact annuity. There are some important factors to consider before you decide to sell out your annuity payments. First of all, you need to know if, you can get the best returns on your initial investments when you sell your annuity payments.

Another question to ask yourself is if selling your retirement annuity will help you in reaching the financial goals you have set for yourself. Make sure you check interest rates currently in the market and compare it to when the investment was made. Also, make sure you find out if you are losing money with the annuity. Establishing the value of your annuity is the first step you need to take in your process of selling annuity. When you are able to determine the current value of the annuity, you are able to determine how much you can take from it and how much you cannot that is if you want to sell only part of it. Selling part of your annuity will be the best decision to take because; you might need the payments in the future. If you are not sure how to go about the process, you can count on an established structured settlement specialist or company. They can help you determine the current value of your annuity and also aid you in deciding what will be best for you.

The writer has many years of experience in offering the best advice to people where annuity payments are concerned. The writer receives many I sell my annuity payments lump sum as well as sell my retirement annuity questions that she answers.

The Metropolis
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Sunlight glinting off the porcelainized panels & glass that comprise the curtain wall of The Metropolis (Baptist Annuity Center) in downtown Dallas, TX

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Great Ways To Sell Your Annuity? Check It Out!

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 are all having their advantages and disadvantages. And for our professional annuity sellers, there are more ways to sell annuities invented every day.

Here is how.Of all the different annuities one can purchase on the market today, they all have one important characteristic- consistent and safe periodic payments. It may be Consistent, safe but very conservative. Annuities are not a great long-term investment.

If you are 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 are young, you do not need a safe investment. Over the long haul, a risky investment will yield more while you do not worry about the ups and downs of decades of market flux.

It is 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 are 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 is a good choice but their fee and the amount you get will be much lower.

A second less popular way is to sell directly to someone else. The legal procedure is not 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 not sell the annuity outright for a price that makes you comfortable with, then you might be able to get an annuity with a much bigger payment but for less years.

That is better than nothing. You can also swap annuities with a company or individual and the annuity you get is easier to unload. That is 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 are not taking a loss overall. This strategy works best, obviously, when there are low interest rates.

Maybe you are selling annuities professionally, and hopefully you 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 get to 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 are several popular ways for some.

If you are a professional, you can maximize the power of the web. So now you know and now you should go get your payment. Good luck!

Jim Woodall, is in to affiliate mktg. Visit his Sell Annuity website and check out the info there at http://jwoodl.com/sell-annuity you can also get 3 free affiliate marketing ebooks no obligation by visiting http://freegiveaways.jwoodl.com/index.html

Image from page 178 of “Here and there in New England and Canada” (1899)
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Identifier: herethereinnewen00swee
Title: Here and there in New England and Canada
Year: 1899 (1890s)
Authors: Sweetser, Moses Foster, 1848-1897
Subjects:
Publisher: Boston, Passenger Dept., Boston [and] Maine Railroad
Contributing Library: Robarts – University of Toronto
Digitizing Sponsor: University of Toronto

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present site at the Three Elms, not far from the KearsargeHouse, where it has been used as a boarding-house and as a military school.From this pioneer Joseph descended the Thompsons of the present day, so well known in tlie valley. In 1S40, S. W. Thompson converted his fathersfarm-house into a country-tavern, and established a line of stages, runningfrom Portland through North Conway and the Notch. In 1S61, he built thepresent south wing of the Kearsarge House, and eleven years later the mainedifice came into being, simultaneous with the arrival of the Eastern Rail-road at the village. Thompson made a contract with a dozen or moreartists, half a century ago, by which he boarded them for .50 a week,each, and sent their noonday meals out to their sketching-grounds, whereverthey might be. On their part, they agreed to date all their mountainsketches from North Conway; and the result was a most effectual advertis-ing of the hamlet, aU over the Republic, so that, after six years of this

Text Appearing After Image:
friendly league, the place received continually increasing crowds of summer-guests. The Washington House, near the Maine-Central station, was built aboutthe time of the War of 1812, by Daniel Eastman, whose funeral occurred inthe village church a year or two ago. For decades, this was a favorite stop-ping-place for Vermont traders and farmers, on their way between Portlandand the Green-Mountain State, with their heavily-laden wagon-trains. After-wards, it became a resort for summer-boarders, and enjoyed a goodly patron-age up to within a few years, when the erection of new and more modernhotels caused it to be abandoned and left to fall into ruin. The magnate of the valley, in those old days, was Dr. Alexander Ram-say, a small and deformed individual from Edinburgh, enjoying an annuity of some three thousand dollars a year from his Scottish forbears, and belovedby all the rustics, not less for his quaint Caledonian wit and his great medi-cal skill, than for the many benefactions which

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In this video I show how to calculate the present value of an annuity. In addition to converting the series of payments via the traditional discounting method I’ll show how to solve the problem utilizing a handy equation.
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