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Black parents whether they work [http://www.safeannuityquote.com/ this site] or not do not detract from Social Security. It is possible that the Black parents have not contributed to Social Security but the system was designed to withstand withdrawing of benefits from members who have actually contributed funds. Take the disabled for example. Many have never worked a day in their lives but get support from Social Security. Does being disabled or from a single parent household mean you should not get Social Security.

An annuity is definitely an agreement or contract between a consumer and an insurance [http://www.safeannuityquote.com/annuity-information retirement plans] business where you make either a lumpsum payment or a series of monthly payments to fund it. The business agrees to make specific, periodic payments, usually after you retire.Annuities are good retirement savings vehicles and usually offer safe, taxdeferred growth. Most include a death benefit that pays out a specific minimum amount, including the total amount you might have paid in. As long as you wait until retirement, the gains you make in the annuity are taxed at ordinary revenue rates, not capital gains rates.Annuities are offered in 3 main types. A fixed annuity pays a specific amount of interest and agrees to spend a specific, fixed amount, based around the dollars in the account. The time period from the payments is also fixed. A variable annuity uses different investment options to invest the payments, usually stock mutual funds.A good compromise is definitely an indexed annuity, which has a return based on a financial index, like the Dow Jones Industrial Average. While the return is based around the index, indexed annuities provide a minimum payout, regardless of performance.Here are some questions to ask prior to purchasing an indexed annuity:What are the costs or fees involved?Many fees are assessed on annuities, including mortality and expense risk charges, administrative fees and underlying fund expenses. These can add up to several hundred dollars a year and reduce your return. Check for fees for other added benefits, like extra death benefits or longterm care insurance coverage.What are the tax benefits? Check your tax professional as to how the annuity payments will affect your tax liability after retirement.What is the term, when will the payments start? Be sure to understand when the payments will start, and how long they last.How much will the payments be? Review the payments and be sure you are funding the annuity adequately. Annuities are a good, conservative retirement investment.What is the death benefit?Review the death benefits for your spouse and family. Review any extra coverage or upgrades and make sure they are worth the cost.Can I access the money early if I need to have it? Withdrawing the money early will involve surrender fees, plus you will spend a higher tax rate. You may perhaps also have a tax penalty, in addition towards the taxes due.

Attacks on Social [http://www.safeannuityquote.com/annuity-information/fixed-index-annuities-highlights go here] Security by academics have done the most damage to the program. Doctor Allen Smith is one with the most notable scholars to attack the funding of Social Security. Smith in his 2004 book The Looting of Social Security (the book they did not want you to read) bemoans the truth that he cannot get the public to understand that the US Government is draining the Social Security trust fund. He tries to explain away the surplus funds as a slight of hand by the Government. Smith does find support for his views at the Washington Post.

The intention of a rollover contract: Retaining a customer's business, hopefully for an indefinite period of time (Not illegal or unethical). 5 A minimum contract period (MCP or fixed term contract  8) could explicitly include a rollover clause: Renews at the end with the period, for example 3 months, six months or after one year. A rollover contract should be read carefully just before signing, aware of the grace period for cancellation (For example: "if you wish to terminate the contract you must contact us in writing no sooner than 90 days and no later than 30 days just before the anniversary in the contract signing date."). 7

Expected to take the place of Reggie Jackson, who left the team after the 1981 season, Winfield  a future first ballot Hall of Famer who was a consistent run producer and Gold Glovecaliber outfielder  never lived up to Steinbrenner's expectations. In the 1981 World Series, the Yankees with Winfield, Jackson and other holdovers in the 1977 and '78 teams, once again faced the Los Angeles Dodgers whom they had bested in two prior Series appearances in '77 and '7The highly touted Winfield, nonetheless, had one hit in 22 at bats for an anemic .045 batting average. He was no "Mr. October", Reggie Jackson, and Steinbrenner would later admit that one of his greatest mistakes as an owner was to let Reggie slip away towards the Angels as a free agent after the '81 season. In truth, Steinbrenner came to regret signing Winfield because, after his freshman year with the club, the Yankees never again made the playoffs during Winfield's tenure with the team (19811990).

? 4th In accordance with Dalbar ( the average stock market investor made an average return of 1.87% from 19882008, while the S&P 500 averaged 8.35%. Why? Because amateur investors love to sell when the market is down and buy more in periods of market bubbles. Empirical evidence has proven that people react irrationally under threat of loss and will actually sell out at the bottom of a market in order to 'prevent further losses'.