Top 5 Benefits Annuities Can Bring Except The Lifetime Income

Earning a consistent income in their retirement life is a major concern for the seniors approaching their retirement and many of them invest in different annuity insurance plans. These annuities help the insured to receive a guaranteed income for life protects from the fear of outliving their savings. Also, if a senior couple hasn’t saved enough or doesn’t have someone to support after their retirement, these policies help greatly to take care of their daily expenses and maintain a better lifestyle. However, the majority of seniors isn’t aware of all the benefits an annuity can bring. Most of them buy an annuity solely to receive a guaranteed income in their retirement life but the annuities have a lot to offer. Here, we are going to explain five more benefits of a retirement annuity plan that you might not be knowing.

Benefit to your loved ones

At times, seniors pay a long series of premiums to earn them back during their retirement but die at an early age without receiving the complete benefits. Many seniors die soon after their retirement and insurance providers keep their share of investment with themselves. But, the new additional feature allows transferring the benefits to the beneficiaries, if the insured dies early. Along with the immediate annuity plan, you can choose a guaranteed period of 10-20 years that are calculated since the time you start receiving the payments. If you opt for a 20-year guaranteed period with the annuities, your insurer will provide a series of payments for exact 20 years. You can name your spouse or kids as the beneficiary and they will receive the benefits for rest of the period, in case you die early.

Tax deferral on earnings

Most of the investments are applicable for state and federal taxes, but the investments such as interests, annuities, dividends and capital gains earn a tax-deferred status. These investments are tax-free until you withdraw the accumulated amount. The tax-deferral is similar to 401(k)s and IRAs, but there isn’t any limit on the amount and you can put any amount into the annuities that you assume enough to spend your retirement comfortably. Moreover, the minimum withdrawal criteria have more flexibility than that of to 401(k)s and IRAs.

Tax-free investment transfers

Market performs differently at a different time and an investment performing strong today may perform poorly after a certain period. Hence, investors keep transferring their investment amount form one to another fund and there are financial advisors to help with the same. Usually, these investment transfers or rebalancing are applicable for taxes but the annuity retirement plan has no such tax consequences. That means, you can rebalance your investments as per your financial advisor’s suggestion and you won’t have to pay any taxes on that.

Protection from lenders

People take different types of loans to match a better lifestyle and pay the due amount in installments. At times, people reach a stage where they only have the money enough to take care of their fundamental requirements and aren’t able to pay the loan installments. In such cases, if the lender files a lawsuit, they may lose the return on the investments made. Annuities insurance policies also help protect your investment return even if you can’t make the installments. Usually, the premiums you have made to your insurance provider, belongs to them and there are laws that restrict that money to be accessed by the lenders.

Variety of investment options

Insurers help the investors with a range of annuity options at retirement including the fixed and variable one. The first one credits a certain rate of interest on the amount you deposit while with the later, your money is invested in the stock or bonds like mutual funds and provide a return based on the market performance. Also, various insurance providers have introduced different types of floors that set a limit by which your investment value may not fall further. That means, if you have invested in a variable annuity, you return won’t fall below a certain value, despite the fluctuations in the market.

Tips To Help You Hire A Magician

If you want to make your event magical, we suggest that you hire a magician. This is true whether you are going to organize a wedding, corporate function, or kids’ party. There are a lot of magicians and each of them has their own specialties and styles. Therefore, it may take some time to hire the right one. Give below are some tips that may help you.

Amateur Vs Professional

Just like other types of hobbies, magic is a hobby. In the word, there are a lot of hobbyist magicians and some of them are very good at what they do. Some of them even have their own websites.

So, if you want to make sure that everyone at the event will have a great time, we suggest that you choose a professional instead of an amateur.

Originality and Style

The type of magician you need depends upon your personal taste as well as the theme of the event. You can find magicians with good sense of humor and bright clothing. In the same way, there are some who are sophisticated, suave, mysterious or serious.

So, it’s better that you decide on the type of entertainer you need. Based on what you prefer, you can go for either style or originality.


Based on the performer’s experience, costs may vary. For instance, if you want to hire a popular performer, you should be ready to spend thousands of dollars on a full stage show. On the other hand, if you choose a hobbyist magician, you may manage with $100 or less. You can check out the websites of different magicians to get a pretty good idea of the cost.

If you are going to organize a big business meeting, it’s a good idea to hire a professional as you can afford the cost. For a small event of kids, you can do with an amateur as well. This may save you a good deal of money.

Ask Questions

Before hiring a magician, make sure you ask them questions about their experience, tricks, testimonials and the type of magic they are going to perform. Some professionals can be watched performing at public shows or events. You may also find that some stay at local bars or restaurants. So, you can go there to experience their performance. You can also ask them for their promotional videos.

When watching, what you need to consider is the magic tricks being performed and not the flash magic tricks that were done for the video camera. Therefore, it’s a lot better to attend a magic show so that you can get a better idea of what the professional can do for you if you hire them. Aside from this, at a real event, you will be able to see how people react to the tricks.

Long story short, if you are going to hire a magician for an upcoming event, we suggest that you consider the tips given above. This will help you get the best pro and save a lot of money at the same time.

Bare Midriff For Belly Pops, Rolls, and Vibrations – Belly Dancing

Dancers have folded dollar bills, flipped coins, or rolled a variety of objects to demonstrate the rolling action of the abdominal muscles, or will balance objects like the sword or the cane as an attention-grabber to acquire publicity.

However, not every belly dancer is interested in performing these abdominal movements. A two-piece costume needs to be worn in order for the audience to see these particular movements.

Doing belly pops, rolls, and vibrations is a lot of fun, and actually quite a challenge requiring much effort, time, and practice.

People are curious to know how to perform these movements. Men and boys are particularly good at performing these movements with ease. The reason for this is the thought that girls and women are indoctrinated to have flat abdomens and it is difficult to start expanding your abdominal area with this thinking. But all females can do these movements as well as the males. It will take more discipline, determination, patience and practice.

How To Do A Belly Roll

Doing this movement will help you to realize how disciplined and focused the dancer must be in order to accomplish this isolated movement. This is an excellent movement to exercise your intestines and relieve constipation.

Stand in front of a mirror and bare your abdominal area to see the movement.
Warm up the abdominal area by pushing the entire abdominal area out and then pull it inward. This will be done slowly at first. As the muscles respond to your commands the pushing and pulling will get easier. Have fun with this by playing drumming music and keeping time to the beats. This movement is known as the belly pop.
The belly roll itself is not really rolling; it is creating the illusion of rolling. After completing your warm-up exercises, it is time to isolate. Push out the belly or upper abdominal area while pulling in the lower abdomen or intestinal area. Then reverse by pulling in the upper abdomen, and pushing out the lower abdomen. Continue to repeat. This will take concentration, patience, practice, and time. After mastering this isolation the abdominal area will respond.
Tip: Focus by placing a finger or your hand on the belly when commanding the upper and lower abdomen. Feeling the muscle respond under your finger or hand helps to confirm that you are in the right area especially when working without a mirror.
How To Do Abdominal Vibrations:

Purse your lips slightly and pant like a puppy. Practice in short periods of time as you may become light headed. When first learning to do this cover your mouth with your hand in order to not have people see how you are doing this maneuver.

After you are able to perform this movement, remove your hand from your mouth. Some people have a problem with their nostrils flaring. If this should happen to you, notice the panting breath and control it at the point where the nostrils do not flare.