Fear is a powerful emotion I like Halloween as do most people. I love to have the kids come to the door and “trick or treat” especially the little ones. They are so excited and so am I, being scared is no fun in real life especially the fear of the unknown. When we look [...]
Just a simple rate movement over time of 3% (3.25% discount rate) would reduce the actual value of all inforce US Treasuries by as much as 40% of their market value. Think what would happen if interest rates went even higher? Disaster would loom and trillions of dollars would evaporate if these assets were liquidated. Of course there would be a winner: the US Taxpayer. Treasuries would be replaced with a higher earning interest rate bond, but at a far less value a third of its market value of the original bond.
An executor is the person responsible for managing the administration of a deceased individual’s estate. Obligations can vary from state to state and the size of the estate can determine the responsibilities that will be needed.
There is one category of annuities that do pay higher yield than market returns. If you allow the annuity company to hold your funds long term, you can receive a higher than market yield return if you receive the funds as income.
A 457 Plan might be a good choice for your retirement planning What Is A 457 Plan? A 457 plan is a type of defined contribution plan, for which employees of state and federal governments, agencies, and tax-exempt organizations. Contributions made to the plan with pre-tax money, earnings, and contributions are tax-deferred while under the [...]
An overview of the various types of CD's (Certificates of Deposit) - the major types including Traditional, Brokered, and Market Linked CD's are explored, along with variations such as Bump-Up, Step Rate, Callable, And Zero Coupon.
Transparency should be embraced by agents, insurance companies and our consuming public should demand it. Transparency will make us better agents and will make insurance companies better product providers.
A tax-deferred annuity helps manage tax liability. A tax-deferred annuity is a plan in which income tax on an original deposit of investment income is not charged during the investment period. The tax liability is deferred until the owner or beneficiary begins to receive (or accesses funds) periodic payments of earnings from the invested [...]