The Case For Annuities - Why They Are So Important

Fear and concern over yields with safe secure money should be at the forefront for any retiree or person with limited resources. Especially if maintaining a current lifestyle is important and the goal.

In an era of money market funds yielding next to nothing, fear of inflation, and concern regarding out of control government spending concern over where to keep important money becomes an even more difficult question. The natural move for most planners working with our target market would be to the bond market.

Bonds provide income and safety...or do they?

Take a look at history before you jump on the bond bandwagon.

Let's start with our most trusted and secure investment, US Treasuries. At today's interest rates, a 30 year bond earning 4%. If bond rates increase 1% over the life of the bond, the value is reduced by 25%. If the bond is held to maturity the full value would be paid, but what if it is needed for income, emergencies, or for heirs prior to the 30 year time period?

History shows what can happen. In January of 1980, buying a newly issued 10-year U.S. Treasury note in the fall of 1979 would have been a smart decision because the annual yield was 9.00% But by the end of 1980, that bond would have been a disaster (on paper) because yields on new bonds ended that year at 12.00 percent. The value of that US Treasury would have been reduced by 25% if liquidated. Thirty-year bonds followed a similar pattern. A newly issued 30-year Treasuries bought in January 1980 and sold in December 1980 would have lost 25 percent of your principal.

Bond prices and yields move in opposite directions. If investors begin demanding a higher rate of return on newly issued bonds, the prices on existing ones almost automatically decline to match the new expected yields.

Recently, the Federal Reserve said it would stop buying mortgage-backed securities and leave it to the free market to solve the issue. The Federal Reserve currently holds more than $1 trillion worth of these assets.

Any change in interest rates for the mortgage backed securities would put huge pressure on the debt market in terms of yields. Currently owned bonds will suffer a drop in value almost overnight meaning a bond holder's value would diminish. They would in fact continue to earn the same interest rate but when the value of their holding is noticed, they would be resilient in selling at a loss which would mean holding a diminished asset until maturity. That maturity period could be as long as 30 years.

What happens to a 4% US Treasury when inflation occurs? What happens when bank CDs are at 5% or 6%? What happens when gas is again above $4 a gallon? Inflation is the evil side of retirement and bond holders will suffer more.

People seeking bonds because they think they are reducing the risk in their portfolio, and that can be generally true but in times of general interest rate movement bonds could be a disaster. One would think that 4% interest rates for US Treasuries is not going to be the norm as this government struggles with continued large deficit funding. A simple movement in any one of several markets (foreign exchange as an example) could cause the interest rates on new issue of US Treasuries to pay a higher interest rate, means trouble ahead for current bond holders.

The search for higher yields, is moving to longer hold options and is now (last 3 years) accustomed to generally lower interest rates. The idea of US Treasuries paying 4% is so attractive that the downside is not their focus. In fact many in our target market are not completely aware of the diminished value if a need for liquidation occur.

Just assume a 70 year old buying a 30 year US Treasury at 4% (current rate is about 3.8%) for yield, safety and security reasons. If their life in interrupted for any reason such as sickness, need for money or death, what is the liquidated market value of that Treasury then? The value is based on current market conditions in the secondary marketplace, what if interest rates are %5? 6%? The value of the asset could be diminished by a very large amount. If you think inflation will not occur within the next 30 years then a US Treasury might be the best choice....but look at history.

In no 30 year time period (from 1790 to present) in US history has there NOT been an inflationary time period. Not even the depression!

Inflation is part of our culture and part of our economic history.

The Federal Reserve has flooded the economy with money; this has not yet shown up in high price inflation. But as the global economy improves, the velocity of money in circulation is likely to rise, resulting in more visible inflation. That inflation, in turn, drives investors to demand and seek higher yields and returns.

Planners who are clued into this scenario would obviously suggest to their clients a mix of 20% bonds and 80% stocks, but risk is still on the table. I think it is important to question why a planner is considering a suggestion of a mix of stocks and bonds for this market.

To me the answer is simple, it is what they do! They sell stocks and bonds!

If ever there was a time for Equity Linked Indexed Annuities it is now. These products are guaranteed, their crediting rates are tied to outside markets which will replicate inflation, their value will not be diminished, they are NOT 30 year commitments and at anytime they can convert to income. In the event of illness, the funds are available. In the event of emergencies, the funds are available. In the event of death, the full value of the asset is available.

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If you're setting up internet home based business or are considering getting into one, there are some strategies you need to follow to be successful. First of all, it's is easy to get excited by the many products that are being offered to help you in your business. They all claim to be the best or have the best System or program that makes running your business easy. Of course, you first need a product or service to sell. And that is absolutely often the practical piece of starting a business.

But the reality is that there are really only three steps you need to master in order to flourish your business. You need to get your business in front of everyone who will be interested in buying your products or services. You need to build a list of all of the people who take a look at your business, even if they don't buy. And you need to build a rapport with the people on this list so that they develop into prospective buyers or repeat customers. In short, you need traffic, a list, and communication.

Here you can start with traffic. If you are limited on funds or marketing capital, you can use the many free or low-cost traffic online tools out there such as Facebook, Twitter, Blogger, Wordpress, USFreeAds, Craigslist, and YouTube, just to name a few. These are extremely highly effective places to tell people or your niche market what you are offering. You can also do some paid up pay-per-click advertising on several of the most important search engines like Google, Yahoo, Bing, and Facebook.

When it comes to building lists for your internet home based businesses, there is one tool that is essential. That is an autoresponder. This tool allows you to place an opt in form on your website, blog, or whichever landing page you are applying to create interest in your product. Generally, you offer something for free like a newsletter, a Example product, or part of your service, in order to get the people to fill in their contact information. This information is then added directly to your email list of clients or potential prospects. So, you can now email them with updates, information, new products, or whatever you want to communicate with them in order to help you build your relationship with them.

In this day and internet age, your very own personal relationship with potential prospects is becoming even more valued, simply because it is less frequent. Everything is automated including customer service, sales, and emails. So, if you can add a little bit of personalization to your automated efforts, it will go a long way in establishing trust with your email list and clients. How can you do this? Send out cards every once in a while for birthdays or holidays. Communicate on Facebook. Make some phone calls. There are several ways to show your customers that they are important to you. Asking for feedback helps as well.

If you can master these three simple rules, your internet home based businesses will have potential to be successful.

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Looking at the many brochure samples out there, you should easily see that using brochure printing for marketing is a very challenging affair. Especially if you are in the travel industry or in the business of disseminating information, you will realize that it is getting harder and tougher to get people to look at your color brochures, since most of them look all the same and are just too commercialized.

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So those are the reasons why people should be looking at your custom brochures. If you think that these reasons are not yet applicable to your brochure printing, then maybe it is time to adjust your color brochures now. The tips above should help you achieve just that. Good Luck!

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Take HR payroll for example. What starts out pretty small can soon turn into a task that eats up more and more time. Getting everyone paid accurately and on time is more complicated than many people realise. Often it's an additional task for someone on top of everything else that they do. So it pays to seek out a third party provider of payroll services who can handle this function instead. Which means more time and attention for the things within a business that really matter. Keeping customers happy.

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Deciding on your Telephony

Telephony is the cornerstone of many businesses. If a potential customer cannot contact you over the telephone, they will likely move onto the next company in the phonebook and try them instead. More importantly than just having a phone system that can get somebody on the end of the line is a well implemented system that can quickly direct a person to exactly who they need to talk to wherever they may be.

There are a large number of different systems available for most any business sector and because of this it is a very good idea to have a clear understanding of what your current business needs are in a phone system. A major factor can be expandability since PBX (private branch exchange) phone systems may remain the high-end business technology of choice for many more years. Thus, it’s important to invest in a phone system that will be able to accommodate any changes that might occur in your business during that period.

Sizing of telephony systems is generally fairly modular. As an example, standard sizing follows the pattern of 3 lines with 8 phones, 8 lines with 16 phones, 12 lines with 24 phones and so on. A more recent sizing method of phone systems has been sizing by number of ports. For example a 32 line system could have any combination of phones and incoming lines. The balance of phones to lines is typically determined by how many lines or extensions the manufacturer puts onto their boards. With this in mind, when selecting a phone system, the purchaser should look into how much potential expansion of the system will inconvenience your business and how much expansion would be likely to cost.

VoIP (voice over internet protocol) is another way of setting up the connection, and essentially entails hosting your phone systems over an internet connection. For many companies, VoIP works out a lot cheaper in the long run. There have previously been service quality issues in the past, with inadequate internet connections affecting the quality of the phone line. So in this respect, often people simply replace multiple phone lines for a large data connection. It does however make sense to look at PBX systems which accommodate IP connections and handsets to allow for future change.

Other fairly important things to consider are the number of locations you will need to hook up to your system, accommodating mobile users who will spend a large amount of their time out of the office as well as any additional services you may require as a part of your PBX. Obvious things you would expect from a phone system would include voicemail, call holding and conferencing since these are fairly integral to many businesses. Other considerations that are perhaps a little less important include speed dials, redialling and call forwarding.

There are also things that you may not know about but could greatly benefit your business, such as sharing the same phone network over multiple business sites. This can help companies who may have multiple call centres or offices spread over several cities by allowing the whole system to function as a single unit. Or computer telephony integration, (CTI).While CTI can vary largely depending on the complexity, from full integration to a simple level it may be the ability to dial numbers viewed on a computer screen. A more complex system might tie customer relationship management software in with the phone system to produce a highly integrated and efficient system. Another ability that is an absolute must have for people on the move, who may be in any number of locations from day to day, is a follow me system, which can reroute calls to a specific person around what they might be doing. For example, they may be driving somewhere and direct their calls to an in car phone or their mobile.

In the telephony market today, there is a solution to cater to just about every user. It would be well worth contacting a specialist in telephony to see how improvements could be made to your communications and maybe even change the way you do business!