#deferred annuity

[asjinsurance]

Maximizing Retirement Income: Comparing Fixed, Variable, and Indexed Annuities

[pixxystycks]

doing a work course that is turning me into patrick bateman for real

[investment-annuities]

Am I Overpaying For My Car Insurance?

Determining whether you're overpaying for car insurance can be a tricky question, but it's crucial to ensure you're getting the best deal possible. Many factors can influence your car insurance rates, from your driving record to the type of vehicle you drive. By understanding these factors and comparing rates, you can figure out if you're spending too much on your car insurance.

Review Your Current Policy

Start by thoroughly reviewing your current car insurance policy. Check what types of coverage you have — including liability, collision and comprehensive — and the limits for each. It's essential to make sure you're not underinsured, but also that you're not paying for more coverage than you need. For example, if you're driving an older car that's decreased significantly in value, full collision coverage may no longer be cost-effective.

Compare Insurance Quotes

The most effective way to determine if you are overpaying is to shop around and compare car insurance. Rates can vary significantly between providers, even for the same coverage. Use online tools to get car insurance quotes from several insurers based on your specific situation. Be sure to input the same details for each quote to make an accurate comparison.

When comparing car insurance, also consider the customer service and claim response times of the insurers. Cheaper doesn't always mean better if it comes at the cost of timely and supportive service in the event of an accident.

In conclusion, to determine if you're overpaying for car insurance, review your current policy details, ensure the coverage levels are appropriate for your needs and regularly compare car insurance quotes from various providers. By taking these steps, you can manage your insurance costs effectively and ensure you're getting the best possible deal.

Read a similar article about personal finance for women here at this page.

[estate-planning-tips]

Guide to Custom Creating a Business Plan

Starting your own business can be an exciting experience, but to be successful, you need a solid business plan. Your business plan sets the foundation for your business's future, and it also helps you to keep track of where you are in meeting your goals. Additionally, your business plan provides a foundation upon which to build new products or create new services over time.

Start With the Basics

There’s no specific way to create a business plan, but there are some basic things you should consider including to cover all the important bases. Think about what your growth strategy will be and what steps you will need to take to achieve your goals. Write out the basic plan for achieving these goals, along with a timeline for getting to where you want to be.

Factor in Finances

Money is at the heart of running a successful business, so you’ll also want to write out your financial strategy within your business plan. Will you be raising capital from outside entities, or will you be funding your venture? What is the amount you need to make each month or quarter to cover expenses plus pay back any business loans? Having all of these questions and answers written out will help you to stick to your plan and transition through the growth phases with ease.

Work With an Attorney

You’ll also want to work with a local business planning attorney, who can help ensure that you have thought through your legal strategy. Is your business an LLC or an S-Corp? What liabilities will you personally be responsible for, and which ones fall upon the company?

The reason you want to look for a local attorney is that different states have different laws that regulate business functions. For instance, if you’re in NYC, you would want to partner with a New York City business planning lawyer. While lawyers located in other states may be able to provide good legal advice, a New York City business planning lawyer will be able to offer a more in-depth account of your legal standing in the city and New York State.

Read a similar article about NYC real estate closing lawyer here at this page.

[wonder-worker]

why did the wydevilles and richard III hate each other that much during edward iv's reign?

Hi! To get straight to the point – there is no evidence of hostility between the Woodvilles and Richard of Gloucester before 1483. On the contrary, their relationship during Edward IV’s reign seems to have been cordial and mutually cooperative. Elizabeth made Richard steward of some of her estates in 1469, increased his fee in 1473, and seems to have backed him against Clarence over the Warwick inheritance. Both of them clearly benefitted by Clarence’s downfall. Richard supported her sites of patronage, like Queen’s College, and he included her among those to ask prayers for when founding two new colleges at his northern homes, Bernard Castle and Middleham, in 1478 (we shouldn't see this as a mere formality, as his own mother was not included in the list). He also seems to have been on amicable terms with Elizabeth’s family: in 1481 her eldest son and her brother Anthony served under his command in Scotland; he raised Edward Woodville to a banneret; and in late March 1483 (just a few weeks before Edward IV’s death), Anthony had trusted Richard enough to nominate him as an arbiter in one of his disputes. Richard was also close to Katherine Haute, wife of Elizabeth’s cousin James, giving her a generous annuity from his estates. Historians have theorized she was his mistress as she shared the same name as his illegitimate daughter Katherine, but whatever the specifics of their dynamic, it does indicate closeness.  Also, as Rosemary Horrox points out in Richard III: A Study of Service, “the local interests of the duke and the Woodvilles coincided at several points, notably in Wales and East Anglia but also (briefly) in Richmondshire, where the queen’s mother, the dowager duchess of Bedford, held one third of the honour until 1472. Had the two interests been hostile, one would expect some evidence of local friction, but there is none”. Rather, Elizabeth and Richard engaged in independent land transactions with each other – for example, she bought the highly lucrative FitzLewis manors from him.

So while we don't know what they personally felt about each other, we do know that 1) there is no evidence at all of hostility on either side, and 2) the evidence we do have is one of mutual cooperation.

This is important to keep in mind when talking about the events in 1483. Most modern historians (Charles Ross, AJ Pollard, etc) have blamed Edward IV for his son’s deposition by claiming that he failed to reconcile the Woodvilles and Richard during his life, paving the way for tensions to erupt between their so-called factions after his death. Twisted leap of logic aside, this is ridiculously unfair: Edward cannot be blamed for “failing” to remedy tensions which literally did not exist during his life. He was not a prophet; he could not control events from the grave. There is no need to blame him for Richard’s shocking betrayal that we already know contemporaries were not able to foresee. During his life, Edward would have had every reason to believe that his wife and his brother would work together during his son’s minority. And he had good reason to believe this: while conflict between the Woodvilles and Richard did erupt in 1483, it was not inevitable and should not be viewed as such. Rather, in the aftermath of Edward’s death, Elizabeth Woodville seems to have expected to work with Richard. She took the king’s place in listening to his council, and Croyland reports that Richard was sending her deferring letters “[promising] to come and offer submission, fealty, and all that was due from him to his lord and king, Edward V, the first-born son of his brother the dead king and the queen”. Croyland also writes that the new king, Edward V, sent Anthony Woodville and Richard Gray, to “submit the conduct of everything to the will and discretion of his uncle the Duke of Gloucester”. We know that Edward V was planning on having an immediate coronation thanks to a letter he wrote to the burgesses of King’s Lynn, and according to Mancini, who quotes the young king, “as for the government of the kingdom, he had complete confidence in the peers of the realm and the queen [Elizabeth].�� Considering what Croyland wrote above, the “peers of the realm” would have surely included his uncle Richard. Indeed, Anthony and Richard Gray trusted Richard enough to walk blindly into a trap; it’s difficult to understand how this was possible or why they weren’t better prepared if they truly disliked Richard (or, for that matter, if they had tried to exclude him from power). It’s possible - imo, very likely - that the Woodvilles would have been the most influential and dominant after Edward V’s coronation; that does seem to have been the view of contemporaries. But since the coronation never took place, and since Elizabeth and her family clearly wanted and expected to work with the council and peers of the realm – including (arguably especially) Richard – it’s not possible to read them as anything other than cooperative.  At the very least, based on what we know right now.

I don’t want this post to get too speculatory, because it’s not like we have video recordings of 1483 to know exactly what went down, but my basic point is that going by the information we have, it was entirely plausible for Richard and “the Queen’s kin” (which is what "the Woodvilles" were actually known as to contemporaries, both administratively and in chronicles) to work together. They had done so during Edward IV’s life, and the impression I get is that Eizabeth at least seems to have expected it to continue after his death. Presumably, Anthony and Richard Gray did as well.

I think there are two reasons most chroniclers and historians are so willing to believe the Woodvilles and Richard were "rivals":

One is hindsight: their explosive conflict in 1483 is retrospectively read backwards and applied to Edward IV’s reign as a whole despite the abundance of evidence (see: Anthony trusting Richard to arbitrate a dispute mere weeks earlier) that proves otherwise.

Historically speaking, however, the idea of a rivalry primarily stems from Ricardian propaganda that sought to vilify Elizabeth Woodville, reviving and doubling down on Warwick's earlier propaganda against her. She was framed as a disruptive queen and transgressive woman with an “ignoble” social-climbing family who dominated the government and "controlled" the king. His propaganda at that time also aimed to cast "the Woodvilles as the aggressors and [Richard] as the victim of circumstance", as Horrox has pointed out. Hence why you have Mancini claiming that Richard and Elizabeth hated each other and that her "jealousy" kept him out of court, or why Thomas More claimed that “the Queene and the Lordes of her bloode whiche highlye maligned the kynges kinred (as women commonly not of malice but of nature hate them whom their husbands love)’. This, as we should know by now, is nonsense. The conflict between Richard and the Woodvilles (most probably) originated in 1483 because of the existence of an unexpected minority and because of his actions against them, not by non-existent simmering tensions during Edward IV's reign.

Hope this helps!

*Thomas Gray Marquis of Dorset's alleged boast that "we are so important that even without the king's uncle we can make and enforce these decisions", as quoted by Mancini, is often taken as proof that the Woodvilles wanted ultimate dominance during Edward V's minority. However, there are ... a great many problems with this interpretation. One, we don't know if Dorset actually said something like this: after all, Croyland never claims any such thing in his own chronicle. Additionally, while it was (and is) popularly assumed that Elizabeth and Dorset wished to exclude Richard because they started the council without him, this makes no sense in context: Anthony Woodville, Richard Gray and the young King himself were also not present at that time. Does it make any sense at all to assume that the council was insulting these three figures (again, including the actual King) by convening before they arrived in London? Then why is it automatically assumed that it was meant to be an insult to Richard? Why are more pragmatic reasons never considered? After all, there was a 20+ day gap between Edward IV's death and Richard's arrival in London - governance of the entire country couldn't exactly be put on pause until then. Long story short, it's possible Mancini could misunderstood Dorset's statement/intent or - more likely - that he was unknowingly reflecting Ricardian propaganda specifically aimed to present Dorset in a bad light (as an aggressor who tried to exclude Richard, with Richard merely claiming his "rightful" place). And either way, even if he did say something along those lines, Dorset was not the senior or most influential member of the family: that was Elizabeth Woodville and his uncle Anthony. So Dorset's words - if he actually said something like that - can hardly be taken as evidence that his entire family felt the same, especially since Anthony & Dorset's own brother Richard Gray clearly went to dine with Richard in peace. Especially since we know Thomas obeyed his mother: he went with her into sanctuary, and he apparently tried to return to England from exile as she asked him to after she made a deal with Richard.

**The Woodvilles and Hastings do seem to have been at odds. This didn't stop them from working together during Edward's reign (we have plenty examples of them cooperating, there is no evidence of a divide between them in Edward IV's charters as there was for the Woodvilles & Nevilles in the 1460s, Hastings praised Elizabeth in 1480 and clearly recognized her superior influence with Edward IV, etc), but - unlike the case with Richard - there is genuine evidence of hostility between them. We don't know if this would have mattered as much if Edward V was an adult, or if he'd already been present at London at the time of Edward IV's death. But either way, we shouldn't exaggerate this or act as though it meant Edward V was doomed. It was very normal for different parties/families to have conflicts during minorities; it had happened to pretty much all minor kings prior to 1483, it had never stopped them from working together before, and it sure as hell had never led to usurpation. Moreover, if the Woodvilles and Richard had been able to work together, animosity between the Woodvilles and Hastings would not have mattered. There are indications that cooperation between them was entirely possible: Horrox has observed that the commissions agreed upon by the first council after Edward's death tried to balance out their interests. Lastly, we ... probably shouldn't overexaggerate Hastings' position after Edward IV's death, imo. He was very important and influential, yes, but he was also not a member of the immediate royal family; it's a pretty massive stretch to automatically assume he would have been as relevant as Elizabeth, the Woodvilles, or Richard during Edward V's minority. This can be supported by evidence: after Edward IV's death, his council gathered around Elizabeth, not Hastings; Richard sent messages promising to arrive and swear fealty to her, not Hastings; the final authority when it came to the young king rested with her, not Hastings. Moreover, once Richard and Buckingham came to power, Croyland explicitly states that Hastings wanted to "serve" them and "earn their favor". In other words, he was not leading the council himself. His reaction to Richard & Buckingham and Elizabeth & the Woodvilles may have been the opposite, but either way, the impression I get of Hastings' position in both scenarios seems to have been exactly the same: he was important and influential, but he was not the one in charge. Of course, this is just my personal interpretation - my main point is simply that while the Woodvilles and Hastings may have had problems, at the very least, there is no reason at all to assume this would have affected Edward V's position as King. His deposition was entirely unexpected, and very much the result of Richard's own unprecedented decisions.

[davidsnavelyfinancialexpert]

Meet David Snavely: A Financial Expert Dedicated to Securing Your Retirement

In this blog, we’ll explore David’s background, expertise, and the services he offers to help clients achieve financial peace of mind.

Who Is David Snavely?

David Snavely is not just an investment advisor; he is a seasoned financial strategist who has spent decades honing his skills in retirement planning, investment management, and income strategies. Based in Washington, David has helped hundreds of clients navigate the complexities of financial planning, always with a focus on personalized solutions that cater to individual needs.

David Snavely journey began over four decades ago when he first entered the financial industry. His passion for helping others achieve financial stability quickly became evident, and he soon realized that retirement planning was where he could make the most impact. Over the years, David Snavely has seen economic highs and lows, and his extensive knowledge and experience enable him to guide clients through volatile market conditions while protecting their hard-earned savings.

Founder of Sound Investment Services

David’s commitment to his clients led him to establish Sound Investment Services, a firm dedicated to providing customized financial solutions. Through his firm, David has developed a personalized approach to financial planning that ensures every client receives the guidance and support they need to meet their financial goals.

At Sound Investment Services, David Snavely and his team offer a range of services, including:

Retirement Planning: David specializes in helping clients develop comprehensive retirement plans that balance growth potential with security. His approach focuses on creating a stable income stream for life, protecting principal investments, and maximizing tax-deferred growth.

Equity Index Annuities (EIAs): David is a strong advocate for using EIAs as part of a retirement strategy. These financial products provide the growth potential linked to stock market performance while safeguarding principal investments against market losses. EIAs are a great option for retirees seeking both safety and steady income in retirement.

Income Strategies: One of David’s key areas of expertise is developing strategies that provide guaranteed lifetime income. He helps clients understand how to optimize Social Security, annuities, and other sources of retirement income to ensure financial stability throughout their lives.

Investment Management: David’s experience extends beyond retirement planning into the broader realm of investment management. He works with clients to create diversified portfolios that align with their financial goals, risk tolerance, and time horizon.

A Community Leader with a Personal Touch

What sets David Snavely apart from other financial advisors is his deep commitment to the communities he serves. Based in Redmond, Washington, David Snavely has built lasting relationships with his clients, many of whom have worked with him for decades. His personalized approach ensures that each client feels understood, valued, and confident in their financial plan.

David takes the time to get to know his clients on a personal level, learning about their financial goals, family situations, and long-term aspirations. This personal touch allows him to craft strategies that are truly tailored to each client’s unique circumstances.

Expertise in Equity Index Annuities (EIAs)

One of David’s core specialties is Equity Index Annuities (EIAs), a financial product that has become increasingly popular among retirees. EIAs offer the potential for growth through stock market performance while protecting your principal from market downturns—a key feature that appeals to individuals nearing or already in retirement.

David has been a vocal proponent of EIAs, often educating his clients about their benefits and how they can fit into a broader retirement strategy. For those looking to ensure principal protection, guaranteed income, and tax-deferred growth, David’s knowledge of EIAs can provide the foundation for a solid retirement plan.

Why Choose David Snavely for Your Financial Planning?

Choosing a financial advisor is one of the most important decisions you’ll make when planning for your future. With David Snavely, you’re not just getting an advisor—you’re gaining a trusted partner who will guide you through every stage of your financial journey.

Here are a few reasons why clients trust David with their financial futures:

Extensive Experience: With over 40 years in the financial industry, David has the expertise to help you navigate complex financial decisions with confidence.

Personalized Solutions: David’s approach is highly customized. He listens carefully to your goals and creates a financial plan tailored to your specific needs.

Proven Track Record: David has helped countless clients achieve financial security and peace of mind, especially when it comes to retirement planning.

Integrity and Trust: David believes in building lasting relationships with his clients based on trust, honesty, and transparency.

Achieve Financial Peace of Mind with David Snavely

Whether you’re just starting to think about retirement or looking to refine your current financial strategy, David Snavely can provide the guidance you need to achieve financial peace of mind. His expertise in retirement planning, investment strategies, and income solutions makes him a valuable resource for anyone looking to secure their financial future.

David’s passion for helping clients achieve their financial goals, combined with his commitment to personalized service, ensures that you’ll receive the attention and care you deserve. Let Sound Investment Services help you build a financial plan that safeguards your future and allows you to enjoy a comfortable, worry-free retirement.

Get in Touch with David Snavely Today

Ready to take control of your financial future? Contact David Snavely at Sound Investment Services to schedule a consultation. Whether you’re planning for retirement, seeking investment advice, or looking to protect your savings, David’s experience and personalized approach can help you achieve your goals with confidence.

[nothingunrealistic]

KINGS COUNTY SUPREME COURT

NOTICE OF ENTRY OF AUTOMATIC ORDERS (D.R.L. 236) Rev. 8/19 FAILURE TO COMPLY WITH THESE ORDERS MAY BE DEEMED A CONTEMPT OF COURT

PURSUANT TO the Uniform Rules of the Trial Courts, and DOMESTIC RELATIONS LAW § 236, Part B, Section 2, both you and your spouse (the parties) are bound by the following AUTOMATIC ORDERS, which have been entered against you and your spouse in your divorce action pursuant to 22 NYCRR §202.16(a), and which shall remain in full force and effect during the pendency of the action unless terminated, modified or amended by further order of the court or upon written agreement between the parties:

(1) ORDERED: Neither party shall transfer, encumber, assign, remove, withdraw or in any way dispose of, without the consent of the other party in writing, or by order of the court, any property (including, but not limited to, real estate, personal property, cash accounts, stocks, mutual funds, bank accounts, cars and boats) individually or jointly held by the parties, except in the usual course of business, for customary and usual household expenses or for reasonable attorney’s fees in connection with this action.

(2) ORDERED: Neither party shall transfer, encumber, assign, remove, withdraw or in any way dispose of any tax deferred funds, stocks or other assets held in any individual retirement accounts, 401K accounts, profit sharing plans, Keogh accounts, or any other pension or retirement account, and the parties shall further refrain from applying for or requesting the payment of retirement benefits [or] annuity payments of any kind, without the consent of the other party […] of the court; except that any party who […] thereunder […]

[nationallawreview]

IRS Announces 2025 Retirement Plan Limits

The Internal Revenue Service (“IRS”) has announced the following dollar limits applicable to tax-qualified plans for 2025: The limit on the maximum amount of elective contributions that a person may make to a 401(k) plan, a 403(b) tax-sheltered annuity, or a 457(b) eligible deferred compensation plan increased from $23,000 to $23,500. The limit on “catch-up contributions” to a 401(k) plan, a…

[thenewpathfinder2024-2034]

let's look at the retirement expenses

Housing

Real Estate Taxes

Electric

Garbage

Water

Natural Gas

Internet

Cell Phone

Security System

Home Improvements

Furniture

Yard Maintenance

Loans & Liabilities

House Mortgage

Auto Loan

Boat Loan

Credit Card

RV / Camping Trailer

Food & Personal Care

Groceries

Restaurants

Spending Cash

Haircuts 

Dry Cleaning

Gym Membership

Clothes and Shoes

Chiropractor

Insurance & Medical

Auto Insurance

Home Owners Insurance

Health Insurance

Dental Insurance

Life Insurance

Long Term Care Insurance

Medicare Supplemental Insurance

Vision & Eyecare

Medications

Vehicles & Transportation

Annual Tuneup

Fuel

Oil Change

Maintenance

Tires

Repairs

Memberships

License Renewal

Public Transportation

Travel & Entertainment

Vacations

Birthdays

Christmas

Amazon Prime

Hobbies & Lessons

Magazines and Newspapers

Software Subscriptions

Netflix

Movies 

Giving & Miscellaneous

Tithes & Offerings

Missions

Charitable donations

Financial Adviser

Tax Preparation

Remember To Include Taxes include both state and federal taxes in your retirement spending planning.

There are a few ways to reduce the amount of taxes you'll owe in retirement. One is to consider doing ROTH contributions and conversions as you prepare for retirement. Another is to carefully plan your withdrawals from those accounts so that you don't end up in a higher than necessary tax bracket.

Essential vs Discretionary 

-Essential expenses are those that you need to live, such as food, shelter, and clothing.

-Discretionary expenses are those that you can live without, such as entertainment and vacations.

The Goal Of Retirement

The goal of retirement is cash flow. It's all about making sure you have enough income to cover your expenses. You can start to project how much income you'll have in retirement and then compare your guaranteed income to your costs. Some of the most common sources of income in retirement are social security benefits , pensions, annuities, or rental income.

The Gap

Normally, your income sources will not cover all of your expenses in retirement. This is where your retirement savings come into play. You will likely need to supplement your income with withdrawals from a 401k, IRA, or other retirement accounts.

After entering all of your income and expenses into the calculator let's say you discover that you will have $50,000 dollars of income every year But your expenses are $90,000 per year. The gap in this scenario is $40,000. It is the difference between how much income you have compared to how much you plan to spend.

Have You Saved Enough To Cover The Gap?

The general rule of thumb is that you will take the gap number and multiply it by 25. This is based on the 4% rule that says you can safely withdraw up to four percent of your retirement savings each year without depleting your account. In the example above, you would need one million dollars saved to cover the forty thousand dollar gap.

Asset Allocation

If you are going to use the 4% rule you will want to make sure you have the correct asset allocation of your investments. The goal is to have a mix of stocks and bonds that will give you the best chance to not only cover your expenses but also keep up with inflation.

The research on the 4% rule found that a 60/40 mix of stocks and bonds is the sweet spot for most investors. This means that if you have a one million dollar portfolio, $600,000 would be in stocks and $400,000 would be in bonds.

Even though this combination has been shown to work, it does not factor in your risk tolerance and it's vital to note that past success is no indicator of future performance.

Withdrawal Order

How you choose to take money out of your different accounts could play a role in how long your money will last in retirement. The conventional wisdom is to withdraw from taxable accounts first and then move to tax-deferred accounts like a 401k or traditional IRA and save your tax-free accounts to last.

However, this is not always the best strategy because how much taxable income you have can impact other things such as how much you will pay for health insurance in the years leading up to age 65 or how much of your social security will be taxable.

 Experiment with different withdrawal strategies to figure out what would be the best approach for you.

[investment-annuities]

Are Single Premium Deferred Annuities a Good Investment?

Annuities are contracts that allow you to receive payments in exchange for premium payments. Many individuals use annuities to supplement other retirement plans and create another source of income. There are many types of annuities available.

One example is a single premium deferred annuity (SPDA). As the name suggests, these annuities require a single lump-sum premium. The premium amount will experience tax-deferred growth during the accumulation phase. Then, at the date specified when purchasing the annuity, the total premium and interest will become regular payments.

It's not hard to see how traditional multi-premium annuities are beneficial. But are SPDAs a good investment?

Reasons to Purchase an SPDA

There are many reasons why one might consider investing in an SPDA. Beyond standard retirement planning, many people with large sums of money they want to protect will get an SPDA. Single premium deferred annuity rates are typically higher than your average high-yield savings account.

Therefore, you can put your money to better use than having it sit in a savings account. You'll earn more tax-deferred interest.

More importantly, it's a way to protect your money from yourself and others. When you purchase an annuity, you're locking the money away. While not FDIC-insured, your contract to buy an annuity is usually with an insurance company. Therefore, your money is safe.

It's a fantastic way to set money aside for retirement and ensure you don't spend it. You'll often see people who come into large sums of cash using SPDAs to grow their wealth while safeguarding it long-term.

Next to taking advantage of better single premium deferred annuity rates, another notable benefit is getting guaranteed payments later. Furthermore, the interest earned is tax-deferred.

If you're worried about risks, you can invest in an indexed SPDA. They come with downside protection, providing growth without considerable risks.

Are SPDAs good investments? If you have money you want to protect and put aside for retirement, they're a fine investment. They offer a fantastic way to park your assets and plan for the future.

Read a similar article about best annuity investments here at this page.

[evoldir]

Fwd: Job: UAlaska_Fairbanks.TemporaryResAssocMetabarcoding

Begin forwarded message: > From: evoldir@evol.biology.mcmaster.ca > Subject: Job: UAlaska_Fairbanks.TemporaryResAssocMetabarcoding > Date: 24 October 2024 at 06:17:19 BST > To: rdmpage@gmail.com > > > > I am seeking a research associate to assist with environmental DNA > metabarcoding data analysis. The successful candidate will work on > various projects utilizing environmental DNA in aquatic environments by > running bioinformatics pipelines, quality control checks, performing > statistical analyses and assisting with writing papers. The candidate > will be included as a co-author on associated publications. This position > can be fully remote or located in Fairbanks, Alaska. > > The Glass Lab (www.theglasslab.org) is housed in the Department of > Fisheries at the University of Alaska Fairbanks, College of Fisheries and > Ocean Sciences https://ift.tt/CGh9FRV. The mission of The Glass Lab is > to integrate genomic tools, an evolutionary perspective, and Indigenous > science to sustainability manage and conserve marine organisms for > Alaskan coastal communities. The Glass Lab values a culture of inclusion > and embraces a wide range of perspective and experiences. We support > intersectional diversity and work-life balance. > > Start Date:January 2025 or as soon as possible > > Salary and Benefits:$33.82/hour, working up to 37 hours/week. This > position is supported by a grant from the National Science Foundation > until July 2025. There are opportunities to assist with grant writing > for continued funding. Candidates are eligible for medical, dental and > vision, as well as a Tax-deferred Annuity or Roth retirement plan. > > Qualifications:M.S.  degree in biology, evolution, genetics, > bioinformatics, or other relevant discipline; or equivalent experience > with a B.S. degree. Experience with molecular biology techniques (DNA > metabarcoding), bioinformatics, statistical analysis and coding in R > or Python is essential. A willingness to learn, attention to detail, > and a strong work ethic and communication are highly valued. > > Contact:For more information, contact Jessica > Glass(jessica.glass@alaska.edu).To apply, email the following: 1) 1-page > cover letter describing your interest in the position and relevant > skills; 2) CV; 3) unofficial transcripts, and 4) contact information > for 3 references. UAF values equity, diversity and inclusion and we > especially encourage applicants from underrepresented or historically > excluded groups to apply. This position is only open to U.S. citizens > or green-card holders.Applications will be accepted until November 15th. > > Jessica R. Glass, PhD > Assistant Professor, Fisheries > she/her > > University of Alaska Fairbanks > College of Fisheries and Ocean Sciences > Department of Fisheries > 2150 Koyukuk Drive > Fairbanks, Alaska 99775 > jessica.glass@alaska.edu > +1 907 474 6524 > www.theglasslab.org > > Jessica Glass

[recentlyheardcom]

The difference between "qualified" and "non-qualified" annuities

Author Thomas Harper Published July 24, 2011 Word count 760 The IRS looks at funds in terms of qualified or non-qualified, in order to determine that money’s tax-ability. If money is non-qualified, that means it is not part of a tax-deferred account. Examples of tax deferred account are traditional or Roth individual retirement account (IRA), a simplified employee pension (SEP) or an employer…

[davidsnavelyfinancialexpert]

How Equity Index Annuities Can Secure Your Retirement – Insights from David Snavely

Planning for a stable retirement can be a complex task, but with the right financial products, you can ensure your hard-earned money is protected and continues to grow. David Snavely, the founder of Sound Investment Services and a respected financial expert with over 40 years of experience, highlights Equity Index Annuities (EIAs) as one of the most effective tools in modern retirement planning. In this blog, we’ll break down the benefits of EIAs and why you should consider them for your retirement strategy.

What Are Equity Index Annuities?

An Equity Index Annuity (EIA) is a type of fixed annuity that combines growth potential with income protection. Unlike traditional fixed annuities, which offer a predetermined interest rate, EIAs link your potential returns to the performance of a stock market index, like the S&P 500. This means you can gain from market upswings, while still enjoying principal protection—your initial investment is protected even if the market declines.

1. Principal Protection: Keeping Your Money Safe

One of the most important features of an EIA is principal protection. David Snavely stresses that with the right EIA, your initial investment is safeguarded, even if the stock market faces downturns. This is especially appealing to retirees or those nearing retirement, who can’t afford to lose their savings in a volatile market.

No Market Losses: Your initial investment stays intact, regardless of market performance.

Peace of Mind: You can relax knowing that your retirement nest egg is safe from market fluctuations.

2. Growth Potential: Earn from the Market, Safely

While EIAs don’t offer the potentially high returns of individual stocks, they do provide a middle ground between risk and reward. You can still benefit from positive market trends without being exposed to the full risk of market volatility. Interest credited to your annuity is based on the performance of a specific index, offering steady growth with the added assurance of principal protection.

Balanced Growth: Participate in stock market gains without risking your principal.

Guaranteed Minimum Returns: Even in slow market periods, EIAs often provide a minimum guaranteed return, so your money is always working for you.

3. Guaranteed Lifetime Income: Stability for the Long Haul

Having a stable income stream during retirement is essential, and EIAs offer that through lifetime income riders. David Snavely highlights that these riders ensure a guaranteed flow of income throughout your life, providing financial stability regardless of how the markets perform. This reliable income can help cover your essential living expenses and give you peace of mind.

Lifetime Payments: Receive income for as long as you live, regardless of market conditions.

Financial Stability: Eliminate the fear of outliving your savings with consistent, predictable payouts.

4. Tax Advantages: Grow Your Savings Faster

One of the benefits of EIAs is their tax-deferred growth. You don’t have to pay taxes on your earnings until you withdraw the funds, allowing your investment to compound faster than taxable accounts. This can be a game-changer for retirees who want to maximize their savings while minimizing their annual tax burden.

Tax-Deferred Growth: Earnings grow faster since they aren’t taxed until withdrawal.

Control Your Tax Liabilities: Delay taxes until you’re in a lower tax bracket during retirement.

5. Customization and Flexibility: Tailor Your Annuity

Every retiree has unique financial goals, and EIAs are flexible enough to meet these diverse needs. David Snavely’s firm, Sound Investment Services, works directly with clients to customize their annuity contracts. This can include selecting different indexes, adjusting cap rates, and choosing riders that enhance your annuity, such as enhanced death benefits for your beneficiaries.

Tailored Solutions: Choose features and riders that align with your specific financial goals.

Adaptable Contracts: Adjust cap rates and customize your plan as needed.

6. Inflation Protection: Keep Up with Rising Costs

Inflation can erode the purchasing power of your savings over time. To combat this, many EIAs offer inflation protection riders. These riders adjust your income based on inflation rates, ensuring your money retains its value and helps you maintain your lifestyle throughout retirement. David Snavely recommends including this feature for long-term financial security.

Inflation Adjustments: Keep your income in line with rising costs of living.

Maintain Your Lifestyle: Ensure your purchasing power stays strong even as inflation increases.

Why You Should Consider an EIA for Your Retirement

David Snavely strongly advocates for incorporating Equity Index Annuities into your retirement plan. With principal protection, growth potential, guaranteed income, tax advantages, and customization options, EIAs provide a comprehensive solution for retirees looking for both security and growth. If you’re seeking a way to safeguard your retirement savings while ensuring steady income, EIAs could be the perfect fit for you.

Achieve a Worry-Free Retirement with EIAs

In summary, Equity Index Annuities offer a powerful combination of benefits that can enhance any retirement plan. From protecting your initial investment to providing a steady income stream, EIAs give you the security and growth potential you need to enjoy a worry-free retirement. With over 40 years of experience in retirement planning, David Snavely is a trusted expert who can help you navigate the complexities of EIAs and secure your financial future.

Ready to Explore EIAs? Contact David Snavely Today

If you want to learn more about how Equity Index Annuities can fit into your retirement strategy, contact David Snavely at Sound Investment Services today. With decades of experience and a commitment to personalized service, David Snavely can help you create a retirement plan that ensures both safety and growth, giving you the confidence to enjoy your golden years.