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# What exactly is the annuity calculator Canada?

# Is your Roth fixed deferred annuity an indexed annuity?

No, unless it states it is an indexed annuity. If it just states that it is a fixed deferred annuity, then No. Deferred means that no taxes are paid until funds are remove…d, however by the nature of the Roth IRA interest is not taxable under the provisions of a Roth IRA with the IRC code.

# How can I find a way for buying the right property in Canada exactly what I want?

I'm sure that this question being asked, the help of a decent and experienced realtor is being overlooked. It is extremely difficult to buy a property without a negotiator…. Nowadays real estate websites flood the internet which makes it possible to select the desired area, the city, town, the realtor, then a home, amenities. How about a good and safe neighborhood? For that some very few websites offer heat maps, like the one found here: movety.com/houses_for_sale_north-vancouver?view=map. How does a heat map help? Those maps do refine your search and their advantage is that they will help you focus your attention on the locations of your desired area with least crime level, most schools, population of immigrants or locals, the safest climate, etc. A heat map is a graphical representation of data where the individual values are represented as colors. Thus, if you are to search for a home in North Vancouver, you select map view and define view criteria: demographics, crime, schools, transit, daycares and climate. The map will show the values in color, the best area being colored green. After this you know where to search your home. That will indeed give you confidence to turn to a realtor for help. But just make sure you read their reviews.

# What is a description of an annuity?

the insured agrees to make a lum-sum payment or series of payments to an insurance company

# What is the difference between a qualify annuity and non qualifying annuity?

You mean qualified. It refers to the tax status of the funds inside it. If funds are qualified that is IRS/investment lingo for pre tax money, such as money in a 401K, I…RA, or 403b. Non qualified obviously is money that income tax has already been paid on. Taxes in an annuity are defered until you use the money. In a qualified annuity all of the money would be subject to income tax upon withdrawal. In a non qualified annuity only the gains would be taxed. But since it is tax deferred you pay your income tax rate, not capital gains taxes. The original amount invested is not subject to tax when you withdraw it.

# How do annuities work?

Annuities are similar to a CD except that insurance companies almost always pay better rates of interest than banks. Annuities also grow tax deferred. You choose when to pay t…ax on the earnings in the annuity as you only pay it when you take it out. Annuities come in all shapes and sizes and can be a long term item that you pay into like a savings account or single premium where you drop a lump sum into. You also have the option of taking the money out of the annuity or you can annuitize it which means that you set it up where you receive a monthly amount for life or for any specified time period. There are as many options on an annuity as there are needs.

# What is the defference between ordinary annuity and annuity due?

In an ordinary annuity, the payments are fed into the investment at the END of the year. In an annuity due, the payments are made at the BEGINNING of the year. Therefore…, with an annuity due, each annuity payment accumulates an extra year of interest. This means that the future value of an annuity due is always greater than the future value of an ordinary annuity. When computing present value, each payment in an annuity due is discounted for one less year (because one of the payments is not made in the future- it is made at the beginning of this year and is already in terms of present dollars). This will result in a larger present value for an annuity due than for an ordinary annuity, as well.

# Differentiate between ordinary annuity and annuity due?

In an ordinary annuity, the annuity payments are fed into the investment at the END of the year. In an annuity due, the payments are made at the BEGINNING of the year. T…herefore, with an annuity due, each annuity payment accumulates an extra year of interest. This means that the future value of an annuity due is always greater than the future value of an ordinary annuity. When computing present value, each payment in an annuity due is discounted for one less year (because one of the payments is not made in the future- it is made at the beginning of this year and is already in terms of present dollars). This will result in a larger present value for an annuity due than for an ordinary annuity, as well.

# How can you surrender your knights of Columbus annuity?

Was not too hard for me to do it. There are probably several ways, this is what I did: First, call a local Knights of Columbus insurance agent. Don't know where? Go to their w…ebsite - www.kofc.org and look under the Insurance section. There is a Find An Agent search for your area. Second, have the agent mail you the Surrender Life Insurance Policy form. Third, complete the form. You will need your original Policy or regular statement (for member #, issuing agent, council # etc.). NOTE: You have to sign it, either in front of an KofC Agent or a Notary. I paid $3 to get it notarized at UPS Store nearby- not that big a deal. Fourth, mail it back to the Agent. OR if you are sure it is completed correctly you can mail it to KofC... OR fax it to KofC directly. If this sounds hard or complicated, there may be an easier way. Call that local agent in your area, or call the HQ directly and ask at (203) 752-4000 and select the customer service option for Insurance.

# How is your Annuity insured?

Usually it is backed by the financial strength of the issuing insuance company. Answer 2 But more usually government bonds are bought to cover the payments to be made by th…e insurer. This guarantees (as far as one can guarantee anything) that the annuity payments are safe. The financial strength of the insurer is a very vague measurement - who'd have thought that an insurer like AIG (massive financial strength?) would go under.

# What exactly is an auto loan financing calculator?

An auto loan financing calculator, as expected, calculates a loan, and will try and give you the best deal possible. Using an auto financing calculator will enable to you see …the best possible deals when taking a loan.

# How does one use the mortgage calculator on TD Canada Trust's webpage?

The TD Canada Trust website has many different tools one might use. The mortgage calculator is one such tool. One simply inputs the numbers required and a total is given at th…e end.

# Can you draw annuity?

I assume you mean draw on annuity early. Depends on the type annuity. If deposit type ...yes. If deferred payout annuity...no, (like a pension) not until you reach a certain a…ge.

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# Are the contributions to an annuity tax deferred?

No. The money payments to a annuity plan when you purchase the annuity plan the amount that you pay for the plan is not tax deferred. The amount is after income tax funds. The… earnings that go on inside of the annuity plan will be tax deferred until the time that you start taking distributions from the annuity plan.

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In Education

# How will calculate annuity method in depreciation?

cost-500000 years-4 interest-5%

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# What is annuity?

Technically, the term "annuity" means "a series of payments over time, where the original investment and interest will be distributed over the annuity payout period". However,… most people, when they use the term "annuity" are referring to a COMMERCIAL ANNUITY - a contract between an issuing insurance company and the purchaser. There are two basic types of commercial annuities: IMMEDIATE - These contracts guarantee an income for either a specified period of time ("Period Certain" annuities) or for the life of the "annuitant" ("Life Annuities"). The annuitant is the person whose age and sex determines the amount of the annuity payments. An immediate annuity may be "fixed" (guaranteeing a specified amount of money each year) or "variable" (guaranteeing an income, the amount of which will vary with the investment performance of the investment accounts chosen by the purchaser). DEFERRED - These contracts have two phases: (a) the Accumulation phase, during which the annuity will earn interest, and (b) the Payout phase, during which payments will be made to the annuitant either for a specified period or for life (the payout phase acts like, and is taxed like, an immediate annuity). Deferred annuities may be either "fixed" (where principal and a minimum rate of interest is guaranteed) or "variable" (where the value of the contract will vary with the investment performance of the accounts chosen by the purchaser. For more information, see "The Advisor's Guide to Annuities" by John Olsen and Michael Kitces (National Underwriter Co., 3rd ed., 2012) Answer 2 Series of payments at fixed intervals, guaranteed for a fixed number of years or the lifetime of one or more individuals. Similar to a pension, the money is paid out of an investment contract under which the annuitant(s) deposit certain sums (in a lump sum or in installments) with an annuity guarantor (usually a government agency or an insurance firm). The amount paid back includes principal and interest, either or both of which (depending on the local regulations) may be tax exempt. An annuity is not an insurance policy but a tax-shelter. While the interest component (the taxable portion) of a regular annuity payment may be exempt from local or state taxes, it is never, under current law, exempt from Federal income tax. Moreover, to say that an annuity is a "tax shelter", rather than an "insurance policy" is not quite correct. First, an annuity is not a tax shelter, as that term is ordinarily used, because it does not EXEMPT any otherwise taxable income from Federal tax; it merely provides tax DEFERRAL. Moreover, many components of an annuity are, in fact, INSURANCE. An annuity contract is not LIFE INSURANCE, and does not enjoy the same tax treatment of a life insurance policy (e.g.: an income tax free death benefit), but the RISK TRANSFER characteristics of an annuity are certainly "insurance". (John Olsen)

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In Chemistry

# 15.00mL of 1.600M NaOH solution exactly neutralizes 20.00mL of an unknown monoprotic acid solution. Calculate the molarity of the acid solution. I got .686M... is this correct?

No, it's not correct. Liters*molarity = moles (0.015L)*(1.600moles/L) = 0.024 moles of NaOH One mole of NaOH would neutralize one mole of the MONOprotic acid, so: … (0.024 moles of acid)/(0.020L) = 1.2M

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In Technology

# Where can you buy an annuity value calculator?

You can not buy an annuity value calculator. It is a tool used in the financial industry to figure out future values or fixed payments. You can use a scientific calculator to …figure this out. Just key in the correct formula and you will have your answer.