Many people are familiar with the concept of riders and how a rider pertains to homeowner’s insurance. For example, if a homeowner possesses valuable art investments, the homeowner may elect to purchase an insurance rider in order to gain extra coverage beyond a standard policy, just to protect their art investment. An annuity rider is similar, in that it can be purchased by the annuity holder and then be attached to an annuity.
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Banker? Has anyone seen a banker lately? The old Peter, Paul, and Mary song “Where have all the flowers gone, long time passing” reflects the changing times centered on the Viet Nam war. Times changed and where did they go, what has happened? I think we are in the middle of another change, a change […]
This concept is called the Split Annuity and is perfect for a person who wants income now but wants to build a larger income in the future as a hedge against inflation.
When you own a home you are liable for the property taxes assessed to your property. The taxes collected on your property pay your share of the cost of local schools, government, and a number of other local and other programs. The biggest mistake many homeowners make is overpaying these taxes You have rights and have the opportunity to only pay your fair share of the taxes assessed. You have options available to you to make sure the assessment on your home is fair.
A recent alert from the Financial industry Regulatory Authority (FINRA) warns of scams related to extremely high interest rates offered on High Yield Certificates of Deposit (CDS).
Women need to understand their rights in a divorce “The impact a divorce has on women’s finances cannot be overstated. The financial literacy gap, the lack of involvement in long-term financial planning during their marriage, and their higher likelihood to end up in poverty place divorced women in a vulnerable position.” -Worthy.com If you’re a […]
You can modernize your life insurance at retirement and avoid paying further premiums.
Many financial advisor sales pitches begin verbally and as the broker or agent explains the benefits of their product, it can begin to sound way too good. Here are a few tips to protect you:
The amount of Social Security benefits generally depends on a worker’s lifetime earnings. The Social Security Administration uses this earnings record to calculate the PIA and to determine the dollar amount of the payable benefit.
The idea of a 401(k) created by Congress was and is a beautiful idea. What is not attractive about them is the method in which they are managed. Managed by Wall Street. In congress’s favor, the idea was brilliant; they merely forgot one small detail. Where there are over a trillion dollars, there will be […]