Deferred annuity, deferred annuities, Single Premium annuity

Posted on 5. September, 2010.

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Indexed Annuities: They Hybrid Annuity For Retirement Investors

Posted on 4. September, 2010.

Newer products on the market that rival the popularity of both the fixed annuity and variable annuity are the indexed annuities. Indexed annuities offer the stability and safety of the fixed annuity and the potential for more growth and inflation fighting properties of the variable...

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Second-Quarter US Sales of Fixed Annuities Drop 30%, but Rate Advantage Over ...

Posted on 3. September, 2010.

Total second-quarter US sales of individual fixed annuities, including equity-indexed, declined 30% from the same period a year ago, to about $19.4 billion, ...

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Financial Planning: Annuities : What Is an Equity Index Annuity?

Posted on 1. September, 2010.

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Financial Planning: Annuities : What Is a Variable Annuity?

Posted on 30. August, 2010.

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Financial Planning: Annuities : Best Pension Annuity Rates

Posted on 26. August, 2010.

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How to Beat Low Interest Rates

Posted on 25. August, 2010.

Mr. Copelin says he also has been doing a lot more annuity business with investors seeking to lock in stable income. Annuities are insurance products that ...

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ENGLISH TO MARATHI TRANSLATION ?

Posted on 23. August, 2010.

Pl send the following translation into marathi & send me by email. 6) ISSUES – a) Gauge – Is independent of technology & BG exist on IR. & additional safety on curves b) Width of coach - provides 25% more capacity, and comfort due to better sitting capacity c) Train length – for a given volume of traffic, reduces capital cost of coaches due to reduction in numbers, reduces energy cost & O & M cost. d) Imported Coaches 3 times costly than indigenous coaches . No need to purchase assets for technology. e) Indigenous coaches - Manufacturing expertise available within the country for BG wider coaches. 7) OTHER ISSUES –a) Curves – BG can negotiate 100m curves – BART metro San Francisco USA b) Frequency of service – BG can have 2min freq. At present at operated at 3min freq. W&C Rly - No need to inflate capital cost for adopting ATC & ATO for 3min service c) Capital cost – 30% lower for equivalent capacity. Cost to be compared per unit carrying capacity. d) Land Cost – Due to reduction in length of train large saving in depot land & at stations e) Safety & Comfort – BG provides improved safety and comforts & permits higher speeds on curves 8) Govt. Misguided – a) On technology – Technology is independent of gauge - BART Metro in San Francisco in USA is on BG with best of the world technology b) Cost – Cost of BG per unit carrying capacity is lower for BG than that for SG - Absolute cost of BG is 25% lower due to reduced number of coaches per train for eq. volume c) Land requirements- BG requires lower cost due to reduced train length for eq. volume d) No transparency – DPR is not installed on internet nor disclosed to public to avoid comments of deficient, defective, unsafe and abnormally costly imports of technology, though appropriate technology for corresponding requirements of performance are available in the country. 9) Methodology - EPC vs PPP – EPC model with govt. funding is 25-30% economical •PPP model investor abnormally inflate the cost resulting in 30-50% VGF subsidy •No VGF subsidy is required for BG with wider coaches for performance at 3min service. •PPP investor misusage the VGF subsidy for abnormally large payments to int. manufactures for importing coaches •A mixed PPP model for Rly projects if adopted, should be BOLT/deferred payment/annuity payments for fixed assets and maintenance, while EPC model to be adopted by the govt. for operations & procurement of mobile assets to ensure standardization •The savings of VGF subsidy to be utilized for setting up of a coach manufacturing unit for BG wider coaches which can be achieved within 2 yrs and less than Rs 1000 crores and within the construction period of 5 yrs, taking into consideration the demand for all new metros within the country. This will achieves standardization of coaches. 10) LEGAL ASPECTS •Art. 366/22 and art 246 does not permit the state govt. to construct operate and maintain a Rly project, even within a municipal jurisdiction as well as connecting metro systems between two adjoining municipal jurisdiction •State has no constitutional jurisdiction, to plan construct, operate and maintain, metro rail between PMC & PCMC •Policy directive issued by MOUD to states, to decide the subject of gauge, is against the provisions of the constitution. •A.G.’s opinion that metro rail planned within a municipal jurisdiction can be considered as tramway and implemented under the tramways act by the states, is technically and under the IR’s act 1989 & tramways act 1889 is no applicable and his opinion has not been specifically approved by the Law Ministry at the centre. Hence the gazette notification issued by the GOM to implement metro rail under the tramways act is illegal and void under the constitution. 11) CONCLUSION •The state has no legal jurisdiction under the constitution to connect PMC & PCMC by a metro rail system as planned. This power vests only with the centre and IR •What we emphasize, is that from considerations of capacity, comfort, safety, and economics, adoption of a BG system, with wider coaches, with 18 tonne axle load and with schedule of dimensions to accommodate wider coaches and a future provision of about 10 to 12 coaches per train, is a must for CBM & future corridors, like in Pune, in public interest and for the future generation of the Mumbai City. •We should set up

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Annuity Rates

Posted on 21. August, 2010.

The twilight zone of your life is now secure, financially. Pick up your choice of annuity after adequate deliberation and you can actually start dreaming about how your retired life will be. Selecting the right annuity rates will make life a long, unending vacation after retirement. You can ride into the sunset in...

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Please explain the difference between variable rate, immediate, fixed, and index annuities?

Posted on 19. August, 2010.

These would be invested with IRA funds. I am 70 years old. Which type would be the best for me?

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