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Showing posts from May, 2025

Annuities? - A second look

  A 77-year-old male non-smoker considering a $200,000 annuity can expect monthly payouts influenced by age, annuity type, and payment options. While exact figures for age 77 aren't provided, estimates can be derived from nearby age brackets: Age 75 : $1,667/month (single life only) 1 Age 80 : $2,058/month (single life only) 1 For a 77-year-old, payments would likely fall between  $1,800-$1,900/month  for a single-life immediate annuity, assuming similar rate progression. This estimate considers: Annual percentage payout rates : 10.24% at 75 ($1,706/month) 5 12.57% at 80 ($2,095/month) 5 Intermediate ages would see proportionally higher rates. Payment options : Adding guarantees like a 10-year certain period reduces monthly payments by ~12-15%. For example: Age 75: $1,584/month (single life + 10-year certain vs. $1,667 for life only) 1 Key factors affecting payouts: Annuity type : Immediate annuities provide higher payouts than deferred 4 Health status : While non-smoker ...

CBS NEWS: How much does a $200,000 annuity pay monthly?

 How much does a $200,000 annuity pay monthly? Read in CBS News: https://apple.news/ASYLunvc7RgOOUOEwmEZnqA It can be tough to prepare for retirement amid today's economic uncertainty, and even retirees who've planned diligently are feeling the pressure of the current landscape. One major issue is that the stock market continues to swing unpredictably , making it increasingly difficult to use stocks and bonds to adequately prepare for retirement. Plus, everyday expenses remain stubbornly high , and traditional retirement income sources, like pensions, are less common than they used to be. In turn, there is a pressing need for older adults to identify steady, reliable income that won't disappear with the next market downturn. For that reason, annuities are starting to look more attractive . These insurance-based products are intended to convert a chunk of your retirement savings into predictable monthly income for life. While they may not offer the same growth potential as ...

Appletree Honda - Google review

 We’ve leased at least 10 cars from Appletree over the years and always had great service but today I’d like to give special recognition to  Megan Hulse in sales who just did an outstanding job. First she is friendly, professional and personable. Then she is knowledgeable and helpful. Third she is enthusiastic but not at all pushy or sales pitchy. She represents a great company and a great product and people who buy Honda’s are not looking for a heavy hand or today’s once in a lifetime deal. We are looking for someone you can trust to guide and support you through the process.  Megan is just that kind of person.

Wells Fargo Google Review

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  We have been banking with Wells Fargo for over 15 years. In the past few years, I’ve had the pleasure of working with Mrs. Teresa Fritz. She has been completely professional while providing me with support and guidance in making changes to my account including making changes to the account name and the assignment of beneficiaries. Most transactions with a bank are pretty routine. Establishing and using savings and checking accounts, deposit him withdrawals, etc. But when you need somebody who actually understands what financial planning is and knows how to go about it to protect your assets for yourself and your heirs, it suddenly becomes exceedingly important that you have a personal banker in whom you can trust and that person in my case was Mrs. Teresa Fritz.

We Are the World - Save Our Planet

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  I’ve continued to do these Wordle videos past my first goal of 100 And I’m still participating in the Death Cafe and in other activities happening with Hospice, including a Book Club and discussion groups and the course my volunteering With Zeke! I really enjoy doing the Wordle videos because it kind of challenges me every day with doing something new, trying to figure out how to illustrate the winning word. Today’s Wordle was the word polar And of course, polar bear came to mine well then after I published the first one where there was a blank space at the end, I was thinking about what could I have put into that blank space and I decided that I would put the words save our planet 🌍. I had just had a conversation with Diane who said she was going to go to a class about creating memes and asked me what a meme is well a meme is a statement or a slogan that becomes popular in the current culture… I just decided I would put the words save the planet at the end of my videos. It’s ju...

Carolina Village Google Review

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I am a hospice volunteer and I’ve been visiting over the past few months. This is a beautiful facility but more than the physical environment it’s the people, the staff I’ve encountered that really make the difference. Everyone from security at the front gate to reception to nursing and even maintenance take time to say hello… well actually it’s my little therapy dog Zeke who gets all the attention 🤣 but truly the village is Carolina Caring and Compassionate Village in my experience and I am privileged to be able to contribute.

Carolina Reserve - Google Review

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  https://maps.app.goo.gl/hYawPrMJvFQjhJhW8?g_st=ic I am currently visiting as a pet therapy volunteer with Hospice. Each time I arrive my little dog Zeke is happy and excited to go inside. These are good instincts. We often visit with several residents who love to pet Zeke and talk about their own dogs. It’s a very pleasant visit and the staff at Carolina Reserve are lovingly supportive and dedicated to their residents and their guests.
  YOU’RE THE GHOST There’s a part of the grieving process, where your soul kind of leaves your body too. As though it’s off searching for the one you lost, somewhere in the ether. You walk around, doing all the right things, putting one foot in front of the other, living, but it’s really as though you’re the ghost. Perhaps you are. Perhaps your soul searches, until you find the one you miss, and they tell you to go back and live. So, when that numbness passes brave one, maybe it’s time to do what you are told, go back and live, twice as hard. You don’t belong there in the ether, nor do you need to search for the one you lost, they find you. And when they do, you’ll feel it. Written by Donna Ashworth 💕 From ‘I Wish I Knew’ Art by Amanda Cass #Mother of All #Mothers.” A gorgeous #gift #book for #grieving #moms.

Quote Jesus

  Famous Quotes of Jesus Central Teachings and One-Liners “Do to others what you would have them do to you.” Matthew 7:12   3 “What good is it for someone to gain the whole world, yet forfeit their soul?” Mark 8:36   3 4 “Ask and it will be given to you; seek and you will find; knock and the door will be opened to you.” Matthew 7:7   2 3 4 “If you have faith as small as a mustard seed, you can say to this mountain, ‘Move from here to there,’ and it will move.” Matthew 17:20   3 “Do not judge, or you too will be judged.” Matthew 7:1   3 “Let the little children come to me, and do not hinder them, for the kingdom of God belongs to such as these.” Mark 10:14   3 “Many who are first will be last, and many who are last will be first.” Matthew 19:30   3 “Love your enemies, do good to those who hate you, bless those who curse you, pray for those who mistreat you.” Luke 6:27-28   3 4 “Why do you look at the speck of sawdust in your brother’s eye and ...

Donating clothing and saying goodbye

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 I'm standing in Tess’s closet right now. Um, these are her clothes and you know, it's been now over a year and so, you know, I'm thinking I need to donate these clothes and essentially that's what I'm going to do. But I am taking a last look and I am I guess surprised. I'm not sure what the word is, but you know, I don't expect that I'm going to be so emotionally moved by this, but I know that I Well, basically, I'm I'm shooting this video because I knew that I would be because it's just making a change.It's another step in the acknowledgment, you know, that she's not here. And that's a big deal. And uh you know I think I'm coping very well. You know I think I am. People think I am. I go through moments times you know when things aren't that great. But you know I know I hate to use that phrase but she's in a better place. Yeah she's in a better place because she is no longer suffering mentally, emotionally, physic...

Why Your Car Insurance Went Up After Becoming Widowed

  Why Your Car Insurance Went Up After Becoming Widowed Exception: State Farm According to current reporting,  State Farm is the only major insurance company that does not consider marital status when setting auto insurance premiums .  This means that, unlike other insurers, State Farm does not penalize widowed drivers by raising their rates simply because of their change in marital status. "At the time of this writing, State Farm is the ONLY insurance company that does not consider marital status when setting premiums. So, your options are: Say buh-bye to your current car insurance carrier. Switch to State Farm When a spouse passes away and you update your car insurance to reflect your new status—especially if you also remove a car from your policy—it’s common to see your premiums increase. This is due to several industry practices and statistical assumptions used by insurance companies. Key Reasons for the Increase: Loss of Marital Discount:  Insurance companies ty...