Professor Guerrero's Blog

mguerrero@gmail.com

Co-author of East of Tiffany's, 13 short stories of a Latino immigrant's success in USA; a journey from West Harlem to Sutton Place and Park Avenue. Check out the reviews in Amazon.com and in Barnes and Noble.

on KINDLE on NOOK

My best seller as of now is

Titanes de la Filosofia

Professor Guerrero's Blog: Fixed Index Annuities - An Overview Professor Guerrero's Blog: Book Reviews, Human Interest Articles, Accounting Lessons, and Writing Techniques

Book Reviews  

Books

Sentence Openers Book: FREE Lessons

Jane Austen  

Boethius: Consolation of Philosophy

How to Become a Writer  

Personal Finance  

Self Help, Wealth, & Learning

Greeks Romans Trojans  

Feminism  

Great Gatsby: Is Nick Gay?

All my books are now in NOOK

Ideas About the Novel is a prophetic book that all writers must own.

Ideas About the Novel by Ortega y Gasset - my translation $0.99


Next to Cervantes, Benito Perez Galdos is the most beloved Spanish writer of all times.

Torquemada at the Stake by Perez Galdos- my translation $0.99

Lazarillo of Tormes - my translation $0.99
Read it in contemporary English -- No Thous, Thees, or King James' Bible language. Transliterated into easy language for enjoyable reading pleasure. Because The Lazarillo of Tormes pointed a new direction, European and American literature benefited with titles that today are considered classics: Cervantes’ Rinconete and Cortadillo; Daniel Defoe’s Moll Flanders, Henry Fielding’s Tom Jones and Joseph Andrews; Tobias Smollett’s Roderick Random, and Peregrine Pickle; Voltaire’s Candide; Charles Dickens’ David Copperfield. And many others to include American works ranging from Mark Twain to Saul Bellow.

Dehumanization of Art by Ortega y Gasset - my translation $0.99
The Dehumanization of Art— is now a constant in music, literature, aesthetics, and philosophy, having come to mean that in post-modern times human-shaped mimesis (representation of the human) is irrelevant to art. According to Ortega, the arts don't have to tell a human story; art should deal with its own forms—and not with the human form.

Sentence Openers
How writers open their sentences makes prose agile, interesting, and athletic. This e-book teaches how to break the pattern Subject-verb-object--and discard openings that begin with nouns, articles, and pronouns.

East of Tiffany's - bestseller $5
With the city as its backdrop "East of Tiffany's" is filled with earnest tales of love, loss, faith, success and morality. While business terminology is interwoven throughout these short stories, it's not business lessons that I take away with me, but life lessons. The circumstances and the characters' profound humanity are relatable despite their zip code . "Luke, Postmodern Man" offers a new vista into faith, suffering, and love of neighbor. Way after you read this book you'll find yourself thinking about the various characters throughout the series of stories and will find solace in their unwavering faith. The narrators' ability to reflect on their hardships with such serenity is inspiring.



My writing was as flat as a sidewalk. And then I downloaded ...

Mary Duffy's Toolbox for Writers
After I purchased Mary's e-book I started to get 'A's in my essays and term papers! Every page is filled with great writing tips, training lessons, and wonderful useful writing skills! Not only do I write essays for college, but also short stories!
--IVONNIE Indrawan
College student
Sentence Openers on KINDLE

Sentence Openers on NOOK













All my books are now in KINDLE


Ideas About the Novel by Ortega y Gasset - my translation $0.99
Torquemada at the Stake by Perez Galdos- my translation $0.99
Lazarillo of Tormes - my translation $0.99
Dehumanization of Art by Ortega y Gasset - my translation $0.99
Sentence Openers
East of Tiffany's - bestseller $5


The most beloved short story from Spanish literature
All my books are in NOOK $0.99 or in Amazon KINDLE $0.99








All my books are now in NOOK

Ideas About the Novel is a prophetic book that all writers must own.
Ideas About the Novel by Ortega y Gasset - my translation $0.99

Next to Cervantes, Benito Perez Galdos is the most beloved Spanish writer of all times.

Torquemada at the Stake by Perez Galdos- my translation $0.99

Lazarillo of Tormes - my translation $0.99
Read it in contemporary English -- No Thous, Thees, or King James' Bible language.

Dehumanization of Art by Ortega y Gasset - my translation $0.99
The Dehumanization of Art— is now a constant in music, literature, aesthetics, and philosophy, having come to mean that in post-modern times human-shaped mimesis (representation of the human) is irrelevant to art.

Sentence Openers
How writers open their sentences makes prose agile, interesting, and athletic.

East of Tiffany's - bestseller $5
With the city as its backdrop "East of Tiffany's" is filled with earnest tales of love, loss, faith, success and morality.



My writing was as flat as a sidewalk. And then I downloaded ...

Mary Duffy's Toolbox for Writers
After I purchased Mary's e-book I started to get 'A's in my essays and term papers!
--Ivonnie Indrawan
College student
Sentence Openers on KINDLE

Sentence Openers on NOOK





Available in KINDLE $0.99


Available in KINDLE $0.99

Monday, April 19, 2010

Fixed Index Annuities - An Overview

Assorted international currency notes.Image via Wikipedia

What is an annuity?
An annuity is a series of payments made over a period of time.

What are Fixed Index Annuities?
FIAs are very important wealth managing instruments that provide earning potential while keeping principal safe from market fluctuation. Your money invested in a Fixed Indexed Annuity (FIA) won 't be affected by market losses.

What are the advantages of FIAs?
And here a few of advantages that annuities may bring to your retirement portfolio...

Estate Planning: Proceeds from annuities pass straight to your beneficiaries with no delay, expense, and publicity of probate. Many states allow that. If you have ever had a loved one's estate move through probate (a tedious legal process), you’ll realize just what a great benefit this can really be.

Tax Deferral: Because you don't pay taxes on earnings each year, your annuity can continue to work harder because of the power of tax-deferral. Of course, you will have to pay income taxes on earnings when you withdraw your annuity's gains, but at least you can decide when that happens.

No Contribution Limits: While contributions to other retirement savings vehicles, like 401(k)s and Individual Retirement Accounts, are strictly limited, annuities offer tremendous flexibility. You could contribute up to the limits imposed by the insurer and thus reap some benefits of tax-deferral. In addition, you can add more dollars to your annuity contract anytime.
Flexible Payment Options: Unlike 401(k)s and IRAs, which mandates that you start making withdrawals at age 70 1/2, you just might wait much longer with annuities. If and when you do choose to commence receiving payments, you'll be able to choose among the following methods:

1. Lump Sum distribution (that is, if you opt to receive one single-time payment)
2. Periodic distributions (you may take money only as it's needed)
3. Systematic distributions (a fixed or variable amount is paid you at regular fixed intervals)
4. Annuitization (when time comes for you to start cashing in, you may choose a fixed or variable payments, which are guaranteed for the rest your lifetime)
Tax Control: The money invested your annuity consists of two parts: (1) principal and (2) earnings. Assuming your annuity was opened with after-tax dollars, you're only taxed on the earnings.

Under annuitization, each payment is made up of both principal and interest, spreading your tax liability evenly among payments. Through these distribution options, you have complete control over will pay taxes on the earnings.

Although annuities may not be all perfect when it comes to tax control, at least you have some control within the options. Should you should die while your annuity is accumulating, all deferred taxes on the growth will become due, reducing your annuity's value.

Easy To start out and maintain: Usually all is needed to get started is a simple application, a check, plus your signature. That’s all. And, what is good news is that by the end of every year, you won't receive a 1099 for income earned in your annuity contract. That's one less thing to bother with on tax day, April 15th.

Annuities are easy to establish and often include a "free look period." Your state of residence or even the annuity agreement will define a period of time (usually 30 days) where can cancel your contract should you decide it isn't really right for you.
A final word of advice: Do not attempt to do this on your own. Consult with a competent financial adviser, who has some expertise in FIA—fixed index annuities

If you are interested in seeing how I achieved personal success in the United States, you may find my book of short stories East of Tiffany's interesting. Some of the stories are based on my life as an executive, investment banker, and financial adviser to wealthy investors in the East Side of Manhattan.
Close to half-million people have read East of Tiffany's so far. Order your copy from either Amazon.com or Barnes and Noble.

Since English is my second language, Mary Duffy --a master of the English language-- aided me not only with the editing, but she also contributed her own stories. I love her writing in "When You Wish Upon a Star." This is a story based on a personal friend's life.


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Professor Guerrero's Blog

Co-author of East of Tiffany's, 13 short stories that will warm your heart - See 101 reviews in Amazon.com and 37 in Barnes and Noble.

on KINDLE on NOOK

BROWSE: MORE THAN 560 ARTICLES

Book Reviews   Accounting 1   How to Become a Writer   Personal Finance   Self Help, Wealth, & Learning

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