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The Low-Load Annuity Advantage

September 12, 2018

If you think you are a candidate for an annuity, go low-load. Their costs are small, compared with the rest of the products on the market, and you can take out your money whenever you want, without paying a penalty. Low costs, total flexibility. Why would you look at anything else? It may take only…

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variable annuities risky

Variable Annuities – Bad Buys on Their Own, Risky with Income Guarantees

September 10, 2018

On the surface, variable annuities (VAs) seem heaven-sent to anyone who buys mutual funds. You generally start the annuity with $10,000 or $15,000, depending on the company. That money is invested in mutual funds—subaccounts, in an annuity, speak—and accumulate tax-deferred. There’s the usual range of investment choices: U.S. stocks, international stocks, bonds, and a balanced…

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Equity-Indexed Annuities – An Investment to Avoid!

September 7, 2018

Run, run, run from the investments known as equity-indexed annuities (EIA). All too often, they’re sold deceptively, to people who don’t understand how they work, by salespeople who are making a killing in commissions. Attorney generals in several states have brought and settled class-action lawsuits against companies that sell EIAs. FINRA, which regulates securities firms,…

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Are Your Fixed Annuities Safe?

September 5, 2018

It depends. Fixed annuities are backed by bonds and other assets in the insurance company’s general account. They’re valued at the cash guaranteed in the contract plus any interest that has been credited. Failing insurance companies are placed into rehabilitation. If another insurer buys the business, your current interest rate should be good (although it…

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How to Lower the Risk of Getting a Poor Fixed Annuity

September 3, 2018

It is recommended that you buy only CD-like, multiyear annuities that pay a fixed rate over a specified period of time. This is because you know exactly what you’re getting. At the end of the term, the insurance company has to offer you another good rate to keep your business. It can’t play games with…

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How to Shop for a Fixed Annuity

August 31, 2018

When you go to purchase an annuity, the annuities are listed by term and show the insurance company’s financial soundness rating, the minimum purchase, the guaranteed interest rate, any bonus rate, and the yield to surrender, which is the yield that counts. how to sell annuities Prudential Annuities Go for the multiyear, CD-like annuities, not…

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Motion Attracts Trade Show Visitors

Motion Attracts Trade Show Visitors

August 29, 2018

Motion attracts visitors at trade shows. Sales increase up to 50% when motion is added to point-of-purchase displays. Trade show booths can also benefit from the use of motion. Use materials that attract light, like metallic foils and neon colors. Backlit graphics, bubbling water towers, and revolving signage can also help attract visitors. If using…

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Tape-Record Your Own Phone Calls

August 27, 2018

Tape-record your own phone calls and play them back afterward. It’s the best way to improve your telephone technique. Hearing yourself the way others listen to you enables you to eliminate annoying telephone habits—such as repeatedly saying “umm” and “you know”—and take simple steps to improve your telephone speaking manner. Important: Consult the laws in…

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business insurance

Business Insurance Basics: How To Cut Costs Without Raising Risks

August 24, 2018

Business insurance is an easy expense to cut—since it doesn’t directly contribute to the bottom line like merchandise or raw materials. But cutting insurance can become a costly blunder when a major catastrophe occurs, and the business is not adequately insured. Good news: Nearly every business in America can cut its insurance costs by 10%…

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Lower Home Insurance

August 22, 2018

Ask for a discount if you have had your homeowners’ insurance with the same company for at least three years. Many companies reduce premiums by 5% for policyholders who have been with them for three to five years, and 10% for people with them for six years or more. More savings: Review your policy annually…

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