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Weiss Ratings' consumer guide to variable annuities.
Weiss Ratings' consumer guide to variable annuities delivers important information for making sound financial decisions
Subjects: Reference works.; Variable annuities.; Annuities.;
Available copies: 1 / Total copies: 1
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Weiss Ratings' consumer guide to variable annuities. by Weiss Ratings, Inc.(CARDINAL)218623;
Description based on: Fall 2010; title from title page.Latest issue consulted: Spring 2011.
Subjects: Periodicals.; Insurance companies; Variable annuities;
Available copies: 2 / Total copies: 3
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The complete guide to investing in annuities : how to earn high rates of return safely / by Young, Matthew G.,author.;
Includes bibliographical references (page 281) and index.What is an annuity and what can it do for me? -- What differentiates annuities from other financial products? -- Making annuities work for you -- Annuity misconceptions -- Fixed annuities -- Variable annuities -- Equity-indexed annuities -- Tax-sheltered annuities -- Product features -- Subtypes of annuities -- Annuity options -- Customizing your annuity -- Tax specifications and other penalties -- Annuities as an insurance product -- Purchasing an annuity -- Questions to ask your agent -- Structuring your annuity -- The future of annuities.
Subjects: Annuities.; Variable annuities.; Rate of return.; Investments.;
Available copies: 1 / Total copies: 1
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The new life insurance investment advisor / by Baldwin, Ben G.;
Includes bibliographical references (pages 431-435) and index.
Subjects: Life insurance; Annuities; Variable annuities; Investments;
Available copies: 1 / Total copies: 1
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Standard & Poor's stock and bond guide / by Standard and Poor's Corporation.(CARDINAL)160799;
Subjects: Stocks.; Bonds.;
Available copies: 1 / Total copies: 1
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Retirement planning guidebook : navigating the important decisions for retirement success / by Pfau, Wade D.,1977-author.(CARDINAL)786594;
Includes bibliographical references (pages 485-488) and index.Retirement income styles & decisions -- Retirement risks -- Quantifying goals and assessing preparedness -- Sustainable spending from investments -- Annuities and risk pooling ; Social security -- Medicare and health insurance -- Long-term care planning -- Housing decisions in retirement -- Tax planning for efficient retirement distributions -- Legacy and incapacity planning -- The non-financial aspects of retirement success -- Putting it all together -- The retirement researcher's guide series -- Retire with style podcast. "Retirement has an entire vocabulary associated with it. We'll demystify the 4% rule, sequence-of-return risk, time segmentation and buckets, reverse mortgages, income annuities, variable annuities, fixed index annuities, long-term care insurance, living trusts, irrevocable trusts, budgeting, the funded ratio, Medicare Advantage, Medicare supplements, diversified investment portfolios, Roth conversions, the hazards of the Social Security tax torpedo and increased Medicare premiums, buffer assets, 401(k) plans and IRAs, the rollover decision, distribution options for defined-benefit company pensions, required minimum distributions, qualified charitable distributions, aging in place, cognitive decline, and so much more. The Retirement Planning Guidebook does not let important matters fall through the cracks. This is a comprehensive look at the key retirement decisions to achieve financial and non-financial success. You will have the foundation to make the most of your retirement years, and I hope you'll be able to do something great!"--
Subjects: Handbooks and manuals.; Informational works.; Retirement income; Retirement; Finance, Personal.; Investments.;
Available copies: 0 / Total copies: 1
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The vigilant investor : a former SEC enforcer reveals how to fraud-proof your investments / by Huddleston, Pat.;
The wide world of fraud : first steps and advanced tactics on the -- Path to vigilant investing -- Vigilant or vigilante : protecting your investments in the age of fraud -- The posse and the prey : the investment cops and the scam artists they pursue -- Rich man, poor man : an investment scam for every economic bracket -- The phantom factory and the origami airline : offering frauds, pump, and dumps, and why you can't believe your eyes -- Affinity fraud and the evil twin : how someone who looks a lot like you is plotting to take your nest egg -- Only amateurs make it sound too good to be true : tricks of the trade and the future of financial fraud -- The securities industry : hunting the wolf with the million dollar smile -- Truth, lies, and "why don't they supervise?" : inside boiler rooms and brokerage firms -- Managing mavericks : knowing how compliance systems work can help you protect your nest egg -- Sales scripts, bullets, and the one-two punch : a peek into the stockerbrokers' bag of tricks -- Variable annuities : bells, whistles, and porcine cosmetics -- Making sense of alphabet soup : rias, cfas, cfps, and the friendly -- Neighborhood insurance agent -- Low-hanging fruit : seniors, the sick, and the solution -- investment scams.
Subjects: Investments.; Securities fraud.; Swindlers and swindling;
Available copies: 1 / Total copies: 2
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The vigilant investor : a former SEC enforcer reveals how to fraud-proof your investments / by Huddleston, Pat.(CARDINAL)397034;
Includes bibliographical references (pages 239-242) and index.The wide world of fraud : first steps and advanced tactics on the -- Path to vigilant investing -- Vigilant or vigilante : protecting your investments in the age of fraud -- The posse and the prey : the investment cops and the scam artists they pursue -- Rich man, poor man : an investment scam for every economic bracket -- The phantom factory and the origami airline : offering frauds, pump, and dumps, and why you can't believe your eyes -- Affinity fraud and the evil twin : how someone who looks a lot like you is plotting to take your nest egg -- Only amateurs make it sound too good to be true : tricks of the trade and the future of financial fraud -- The securities industry : hunting the wolf with the million dollar smile -- Truth, lies, and "why don't they supervise?" : inside boiler rooms and brokerage firms -- Managing mavericks : knowing how compliance systems work can help you protect your nest egg -- Sales scripts, bullets, and the one-two punch : a peek into the stockerbrokers' bag of tricks -- Variable annuities : bells, whistles, and porcine cosmetics -- Making sense of alphabet soup : rias, cfas, cfps, and the friendly -- Neighborhood insurance agent -- Low-hanging fruit : seniors, the sick, and the solution -- investment scams.
Subjects: Investments.; Securities fraud.; Swindlers and swindling;
Available copies: 1 / Total copies: 1
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Storm proof your money : weather any economy, rebuild your portfolio, protect your future / by Arends, Brett.(CARDINAL)422407;
Machine generated contents note: Acknowledgments. -- Chapter 1 Introduction. -- Who I Am. -- Chapter 2 Checking the Map. -- Santa Claus Isn't Coming to Town. -- Where Are You Trying to Go? -- Where Are You Now? -- How Much Do You Need To Save? -- How Can You Move the Numbers In Your Favor? -- Conclusion. -- Chapter 3 How Not To Invest. -- Putting Too Much Faith in Stocks. -- Putting Too Much Faith in Phony Diversification. -- Taking Too Much Risk. -- Thinking Your Mutual Funds Were Managing Your Risks. -- Chasing Performance. -- Trying to Pick the "Right" Stocks? -- Owning Shares in Your Employer. -- Keeping All Your Money in Bonds. -- Keeping All Your Money in the Bank. -- Hoarding Gold -- Investing Too Much in Real Estate -- Conclusion. -- Chapter 4 Stormproof Your Portfolio. -- Smart Funds. -- Asset Allocation Funds. -- Absolute Return Funds. -- Mavericks. -- How to Use Smart Funds. -- Inflation-Protected Government Bonds. -- Global Index Fund. -- Covered Call Funds. -- Precious Metals. -- Taxable Bond Funds. -- Municipals. -- Closed-End Funds. -- Seize the Opportunity. -- Invest Little and Often. -- Conclusion. -- Chapter 5 How to Save More. -- The New Rules of Saving. -- Ideas for Saving Money. -- Adding It All Up. -- Conclusion. -- Chapter 6 Cover Your Assets. -- Shelter Your Assets. -- Make the Most of your 401(k). -- Make the Most of Your IRA. -- Life Insurance and Variable Annuities. -- Self-Employed Shelters. -- Shelters and College Savings. -- Falling Shares: Another Shelter. -- How Not To Lose Everything. -- Conclusion. -- Chapter 7 Next Steps. -- Retirement Planning. -- Investing. -- Saving. -- Cover Your Assets. -- Finally: Staying On Track -- Appendix A Investment Spotlight. -- Appendix B For Advanced Players Only: Using Options for Financial Insurance. -- Index."Accessible financial guidance for turbulent economic timesWith the stock market in a tailspin, real estate market continuing to drop, and the economy in recession, it's important to understand how you can get through these difficult times. Whether you're twenty-six or sixty-two, you still need to live and provide for your future. That's why you need Survive the Slump. As the personal finance columnist for the Wall Street Journal Online, author Brett Arends has become an authority for individuals who need to know how to best position themselves and their money. Now, with his new book, Arends has crafted a financial plan that anyone can put to work immediately. From protecting what you have to rebuilding what you've lost, Survive the Slump provides just the guidance needed.Outlines effective strategies for spending smarter, saving more, and making sure that your money grows reasonablyContains straightforward advice that highlights immediate savings opportunitiesProvides a timely financial action plan from a trusted Wall Street Journal columnistWritten with every investor in mind, Survive the Slump will help you make smarter investment decisions and put you in a better position to survive and thrive under any economic condition"--Provided by publisher.
Subjects: Finance, Personal.; Investments.;
Available copies: 1 / Total copies: 1
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Safety-first retirement planning : an integrated approach for a worry-free retirement / by Pfau, Wade Donald,1977-author.;
Includes bibliographical references and index.Two fundamentally different philosophies for retirement income planning, which I call probability-based and safety-first, diverge on the critical issue of where a retirement plan is best served: in the risk/reward trade-offs of a diversified and aggressive investment portfolio that relies primarily on the stock market, or in the contractual protections of insurance products that integrate the power of risk pooling and actuarial science alongside investments. The probability-based approach is generally better understood by the public. It advocates using an aggressive investment portfolio with a large allocation to stocks to meet retirement goals. My earlier book How Much Can I Spend in Retirement? A Guide to Investment-Based Retirement Strategies provides an extensive investigation of probability-based approaches. But this investments-only attitude is not the optimal way to build a retirement income plan. There are pitfalls in retirement that we are less familiar with during the accumulation years. The nature of risk changes. Longevity risk is the possibility of living longer than planned, which could mean not having resources to maintain the retirees standard of living. And once retirement distributions begin, market downturns in the early years can disproportionately harm retirement sustainability. This is sequence-of-returns risk, and it acts to amplify the impacts of market volatility in retirement. Traditional wealth management is not equipped to handle these new risks in a fulfilling way. More assets are required to cover spending goals over a possibly costly retirement triggered by a long life and poor market returns. And yet, there is no assurance that assets will be sufficient. For retirees who are worried about outliving their wealth, probability-based strategies can become excessively conservative and stressful.This book focuses on the other option: safety-first retirement planning. Safety-first advocates support a more bifurcated approach to building retirement income plans that integrates insurance with investments, providing lifetime income protections to cover spending. With risk pooling through insurance, retirees effectively pay an insurance premium that will provide a benefit to support spending in otherwise costly retirements that could deplete an unprotected investment portfolio. Insurance companies can pool sequence and longevity risks across a large base of retirees, much like a traditional defined-benefit company pension plan or Social Security, allowing for retirement spending that is more closely aligned with averages. When bonds are replaced with insurance-based risk pooling assets, retirees can improve the odds of meeting their spending goals while also supporting more legacy at the end of life, especially in the event of a longer-than-average retirement. We walk through this thought process and logic in steps, investigating three basic ways to fund a retirement spending goal: with bonds, with a diversified investment portfolio, and with risk pooling through annuities and life insurance. We consider the potential role for different types of annuities including simple income annuities, variable annuities, and fixed index annuities. I explain how different annuities work and how readers can evaluate them. We also examine the potential for whole life insurance to contribute to a retirement income plan. When we properly consider the range of risks introduced after retirement, I conclude that the integrated strategies preferred by safety-first advocates support more efficient retirement outcomes. Safety-first retirement planning helps to meet financial goals with less worry. This book explains how to evaluate different insurance options and implement these solutions into an integrated retirement plan.
Subjects: Retirement income; Retirement; Finance, Personal;
Available copies: 1 / Total copies: 1
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