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How Annuities Can Be Used To Protect The Disabled and Handicapped

Well this one strikes pretty close to home as our youngest brother Daniel was born with cerebral palsy and has been confined to a wheelchair since birth.  In fact, when I first read the great article that is discussed in this video below, I sent it along to my parents as I know they are  Click to Continue

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Are Annuities Rigged? The Answer Might Surprise You.

Here at Retirement Think Tank, we get some pretty interesting questions from consumers in regards to annuities.  Sometimes the questions are things that they heard from a friend, co-worker, or their financial advisor.  Other times it is something that they heard from a talking head like Suze Orman, Dave Ramsey, or Clark Howard.  (Read the  Click to Continue

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Different Types of Fixed Annuities

Today I would like to briefly touch on the different variations of annuities.  There’s not just one annuity out there, and I feel like they get lumped up together causing confusion and misrepresentation. Fixed Annuity – This type of deferred annuity is similar to a CD.  You know today, exactly what fixed rate of growth  Click to Continue

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Solution to a Rising Interest Rate Environment

A year ago when a client or prospect was approached by an advisor to move a portion of their “save money” into an annuity, some common objections were: “rates are too low”, or “why would I lock my money up now “what if interest rates start to rise?”  All are valid points.  And I’m sure  Click to Continue

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Caps are Rising!!!

Finally Rates are on the rise!!!  It’s been a tough 2 years with rates on fixed and fixed index annuities being at an all-time low.  With fixed index annuities, you typically are not guaranteed growth because you are participating in stock, bond, or commodity indexes with 100% downside protection from market volatility.  The trade-off for  Click to Continue

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Simple Interest vs. Compound Interest

By definition, simple interest is called simple because it ignores the effects of compounding.  With simple interest, the interest is always based on the original principal.  With compound interest; interest accrues on the initial principal and the accumulated interest of that principal.  So in layman’s terms, compound interest is interest on interest.   Let me share  Click to Continue

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