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    Re: Where to start planning?

    @ Spaf you have to start planning before you become incapacitated or die. For most people that would be the second Tuesday of next week. That statement is simply a human nature fact of life.

    @...
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    Re: Where to start planning?

    http://www.barbandgreg.com/images/Emoticons/penbox.gif

    Where was I?

    Hmmmmm, interesting non-responsive replies on a thread where the crux is regarding Estate Planning....
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    Re: The Great Annuity Rip-Off

    Silverbird click www.tsp.gov/features/chapter14.html for information regarding your TSP annuity option.

    I can assure you that MetLife is nobody's competition when it comes to private sector...
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    Re: The Great Annuity Rip-Off

    http://www.barbandgreg.com/images/Emoticons/penbox.gif

    Okay, where was I?

    Oh yeah, I remember......on post #73 of this thread I wrote:


    At the risk of losing my *SAFE designation please...
  5. Re: Tiaa-Cref Agrees to Cease Misleading TSP Rollover Ads

    alevin,

    You're a very smart person.

    Also take this mathematical fact into consideration using an $800 per month principal and interest mortgage payment:

    By paying off your mortgage the...
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    Where to start planning?

    So just exactly where should one start their Financial/Retirement/Estate Planning?

    Well friends and anonymouse enemies.....you start at The End.

    Meaning The End of your life, AKA....... your...
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    Convoluted Annuity Information....

    Click HERE for convoluted and INCORRECT information on annuities from Albert B. Crenshaw, CCC who wrote for the Washington Post business section for 24 years.

    If a reporter is not going to take...
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    Re: U.S. Life Expectancy

    Click HERE for a Life Expectancy Calculator.

    Kind of morbid but kind of interesting also.
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    The Evolution of VARIABLE Annuities.

    The Evolution of VARIABLE Annuities.
    by A. Scott Logan

    Read THIS link.
    Very long but very good FACTS.
  10. Fixed Annuities have one (1) negative feature

    There is exactly one (1) negative feature in a Traditional Fixed Annuity or Fixed Indexed Annuity contract.

    The SURRENDER charges.

    They last 5, 7, 10, 12, or 15 years and DECREASE each and...
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    Re: The Great Annuity Rip-Off

    SkyPilot wrote:


    SkyPilot could you explain to the General Public why Ben Bernake the chairman of the Federal Reserve has the bulk of his cash asset split between two (2) annuities?

    One of...
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    Re: The Great Annuity Rip-Off

    luv2read you are too funny!

    Here's a picture that caught my attention a while back while doing research for a client with a TSP account.
    ...
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    Re: The Great Annuity Rip-Off

    ChemEng, squalebear and SkyPilot:

    ...Foxxx News Alert...

    http://www.foxnews.com/images/163008/3_61_banderas_320.jpg

    On the TSP Talk Forums there is a forum catagory titled "Retirement...
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    Re: The Great Annuity Rip-Off

    SkyPilot, before I move on to Variable Annuities, I'd like to read your intelligent comments regarding "SOME" of the earnings potential in a FIXED Indexed Annuity.

    Please advise the General...
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    Re: The Great Annuity Rip-Off

    ChemEng, inflation is a fact of life.

    A dollar today is worth more than a dollar 5 years from now and a dollar 5 years ago is worth more than that same dollar today.

    Here's your argument:...
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    Re: The Great Annuity Rip-Off

    ChemEng, your inflation argument pointed toward a traditional FIXED annuity which is a SAFE money savings instrument is absurd.

    I thought I made this point relatively crystal clear with the...
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    Re: The Great Annuity Rip-Off

    Before I move on to Immediate Annuities then last and least Variable Annuities I'll address ChemEng points which are a valid issue of discussion.

    ChemEng wrote on post #38:


    ChemEng followed...
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    Re: The Great Annuity Rip-Off

    ChemEng, I'll get to your inflation point when I get to it.

    Okay, where was I?

    Ah yes, moving on to Fixed Indexed Annuities.

    Let's first start with an actual client statement. The...
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    Re: The Great Annuity Rip-Off

    ChemEng our point of contention was whether or not traditional FIXED annuities have any fees and/or expenses other than the surrender charge schedule.

    THEY DO NOT.

    The insurance company...
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    Re: The Great Annuity Rip-Off

    Well their is nothing quite like an intelligent, substantive discussion on an entire insurance product line known as annuites.

    ChemEng I will ask you for the third (3rd) time:

    Please post the...
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    Re: The Great Annuity Rip-Off

    ChemEng,

    I understand the sometimes difficulty in communicating via Internet message boards. Since my written words must NOT be acceptable to you, I'll try math.

    In a traditional FIXED...
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    Re: The Great Annuity Rip-Off

    Hmmmm, where should I start?

    Do you want to have an intelligent discussion on annuites or NOT?

    Do you actually want to know the differrence between a Traditional Fixed Annuity, a Fixed...
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    Re: The Great Annuity Rip-Off

    ChemEng wrote:


    Traditional Fixed Annuities and Fixed Indexed Annuities ARE NOT INVESTMENTS. They are safe money savings instruments much like a bank CD in that respect. To compare money saved...
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    Re: The Great Annuity Rip-Off

    ChemEng,

    Please tell me the Insurance Company name and the specific product Ms. Lankford is talking about? Without THAT information she may as well be making up the whole story.

    There isn't...
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    Re: The Great Annuity Rip-Off

    ChemEng wrote:

    The 10% Free Withdraw provision is a standard contract provision on virtually ALL annuities. I know of no fixed annuity with any company that DOES NOT have a 10% free withdraw...
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