#Lifetime Income

[crratbc]

The brief’s key findings are:

While annuities offer retirees a reliable stream of lifetime income, few people purchase them.

To probe people’s perceptions of annuities, a new survey queried those near or in retirement with over $100,000 in financial assets.

About half of respondents say they would be willing to buy an annuity at prevailing market rates, while just 12 percent actually do so.

The study tested whether low annuity take-up could be explained by a lack of liquidity or the inability to make bequests, but found no such evidence.

In short, people may be deterred not by a lack of interest in annuities but by a lack of knowledge of the product and how to buy it.

#retirement income #annuity #financial planning #lifetime income #bequests

[maximizeyourmedicare]

In theory, I am wildly underpaid

In theory, I am wildly underpaid I already know that the Comprehensive Financial Planning service can literally transform the way that a household looks at its financial future. I have receipts, and I am pretty sure clients will say so, publicly. At $3000 for a lifetime of financial guidance, it is wildly underpriced. This underpricing will end on December 31, 2023. In practice… People think…

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#healthcare #Lifetime Income #investment strategy #portfolio #Roth IRA #AI #Bias #Investment #Insurance #Comprehensive Financial Planning #Guidance #Theory #Financial #Underpricing #Social Security #Free Tools #Financial Planning #Tax Optimization

[mrgintsu]

#käärijä #kaarija #jere pöyhönen #my stuff #kurikka #im at the alavus gig but not a great spot so not a lot of stuff incoming from here #the front row gig was once in a lifetime experience haha

[alllgator-blood]

Gonna be gone for about a week!!!!

I have a bunch of ask doodles in progress that I'm gonna be posting either late today or early tomorrow, but tomorrow NIGHT I'm going on my first big boy vacation outside of the boring ass midwest. WOO VACATION let's fucking GOOOOO I WILL NEVER FINANCIALLY RECOVER FROM THIS. I'M GONNA KEEP THE DETAILS A SECRET TIL I'M BACK CAUSE I FEEL LIKE IF I GUSH ABOUT THIS, EVERYTHING WILL GO WRONG. A LOT HAS ALREADY GONE WRONG SO I NEED AS MUCH LUCK AS HUMANLY POSSIBLE

my friend I'm travelling with said I should take pics during the trip to draw the bishops on top of. So I'm probably gonna be doing that when I'm back lmao

#river lore update #this is a once in a lifetime trip for me cause I'm midwest trailer trash without a stable income #been saving up for this for a long fucking time so I'm HYPED

[geekthefreakout]

I was crying

I was crying for Palestine.

I was crying for little Hind.

I was crying for all the children like her who have had everything taken from them.

My mom said "Baby, stop looking at the news. It's not good for you."

I said "But if I don't look, who will? Who will bear witness?"

My mom said "There's nothing you can do. All you're doing is making yourself cry."

I said "But if I don't cry for them, who will? I can't change policy, I can't give money. At least I can give my tears."

My mom said "Baby, there's no point in talking to your cousin. He won't change his mind. Zionism is all he knows."

I said "But if I don't talk to him, who will? If I don't speak for them, than who am I?"

I used to wonder, when I learned about the Holocaust, how it could have happened. How did they let it happen? The people who knew, the ones who may not have worn the uniforms or fired the guns but who did not shelter the Jews who needed it. The ones who smelled the stench and told themselves it was something else, those ones who did not break the glass but watched it break and did nothing, how could they do it?? It was happening right in front of them.

I don't wonder anymore. It's happening now, in front of me. The world can see a genocide happening, and I've never wanted so badly to look away.

But I won't.

Free Palestine. Save the children.

Do your Daily Click here: https://arab.org/click-to-help/palestine/thank-you/

#palestine #i/p war #I just had to get this out #I've felt so powerless #with no income and fighting against a lifetime of learning #There has to be something more I can do #I haven't been posting about this as much here #because I did need a place to decompress #but something broke in me today #free palestine #free gaza #stop the genocide

[aaaaaaaaaaaaaaaabattery]

I hate when people in the upper middle or upper class say “eat the rich” and then someone chimes in like “you’re the rich”. Yes! I acknowledge my position of privilege! I do not face any of the struggles that come from a position of financial instability, and I never have! I know that I do not have an intimate knowledge of what being poor is like, and for that I am eternally grateful. However, we aren’t TALKING about people who get to live comfortable lives. Most of us (and by that, I mean people who say “eat the rich”) aren’t even talking about the families who have a vacation home, or bought their kid a pony, or the ones with a backyard pool, or even the ones who have like five TVs or a huge house! I, at least personally, am not talking about people who have enough money that they can live in luxury, go to expensive restaurants for special occasions, or spend a year abroad. Yes, that is wealth! Extreme wealth! But that kind of wealth isn’t inherently harmful, because that is the kind of wealth that could have been made without completely fucking everyone else over, or inherited. I still think people in these positions should make donations to charity every so often, and so on. Of course, I think that anyone who has the means to help others should. But frankly, to say that these are the people we need to be burning at the stake, is just idiotic. Eat the rich is a saying most effective when applied to those with excessive wealth. Billionaires- people who can buy companies, people who could own hundreds of vacation homes without making a dent in their wealth. People who can comfortably spend 250,000 big ones a piece to go on a suicide mission to see some wet metal at the bottom of the sea. People like Bezos and Musk who have screwed countless people over, and will continue to do so without batting an eye until the day that they die. And somehow, manage to keep doing so after, as well. There is ABSOLUTELY no way to obtain that amount of money without stepping all over innumerable people, ruining lives, and damaging our planet. People with that much money could never even BEGIN to spend it all. Yes, there are rich people with big houses and swimming pools! There are also rich people who stockpile the amount of money that could end the homelessness crisis and choose to never touch a penny of it. I think that you can live comfortably and acknowledge that the ultra-rich need to be taken down. I think that you can live INDULGENTLY and acknowledge that the ultra-rich need to be taken down. The billions that they hoard aren’t a rainy-day fund, or in case of emergency, or them saving up so they can go to Spain during spring break. They’re just there. They could EASILY change millions of lives and barely make a dent in their wealth. That’s what sets them apart. “The Rich” in “eat The Rich” aren’t just rich people. They are people with enough money to change the world for the better, who choose not to.

#please don’t come at me for this #I just think that you can have a nice cushy house and a stable income and still acknowledge that billionaires are insane #going to France for summer break doesn’t mean you need to die #choosing not to END THE HOMELESSNESS CRISIS IN AMERICA despite HAVING THE MEANS TO out of greed does. however #like yeah my financial situation is fucking awesome right now and every day I am so happy for that #but I genuinely can’t even comprehend spending more than 1000 on a boat ride unless it was seriously a once in a lifetime thing #and you’d have to pay ME to get into that tiny ass submarine #the only life changing thing about that tin can was how much your life expectancy lowered the second you set foot in it #oceangate #eat the rich #discussions #polite debates

[moripartylove]

Ridiculous, frivolous, completely unneccessary once-in-a-lifetime spending: check

#treated bf and myself to a night in a suite in a ridiculously expensive hotel #like... almost a third of my monthly income #it was fun because we felt like frauds or spies even though we were paying guests #we had roomservice and they brought a whole ass dinner table with tablecloth and everything #living like the rich for one single day lol #interesting experience and we did enjoy the luxury #but definitely a once in a lifetime thing

[virnuileva-peto]

I sure hope that Käärijä will get so rich that he will be able to comfortably organize something like... A gig week, the same club every night day after day, but you are only allowed to buy ticket to one night.

This way he would get a completely different audience at every gig, and maybe even walk into the crowd if it's a small enough club.

He is made for small gigs and seems to enjoy them the most, and also he would definitely enjoy entertaining a new crowd every time.

#this post was brought to you by me watching material from kaivohuone the whole week #he certainly misses the club experience but cant really return there or hell lose a big part of the income #so i wish him a lot of successful investments and soon enough wealth for a lifetime so that he can finally start doing what he loves most #sorry im sad

[udon-udon]

sad thots time

i always wonder if i'll ever find a gf

#i've said this before but i think im okay with being single my entire life but i'd still like to experience a real and true relationship #at least once in my lifetime you know #how does it feel to be loved by the person you love the most in the world #i think about it sometimes and because i've never had that happen before it seems like such a foreign idea to me #LMAOOOO #edgy udon incoming

[wheucto]

fun fact! assuming the hotel cost 200,000 dollars, it would take about 11 years for OJ to have his million dollars run out due to food expenses alone

#wheucto #wheucto speaks #is food expenses even a real phrase? whatever #the number 200k is based on the number ii fandom wiki gives of a little under 190k #the food costs is from balancedeverything.com/average-food-cost-per-month - i chose the lowest (2400) then multiplied it by 30 #since there's like 34 contestants from ii (counting yinyang as two)_ so minus two for the ghost_ two for apple and marshmallow_ one bc - #- yinyang only has one mouth_ and adding one for mephone_ who'd also be there #actually i should've minus'd one for box since i don't think he eats but. whatever #and knowing how hotel oj runs - with the parties and casinos - i wouldn't doubt oj would try something new (and probably stupid) #also there's fixing the hotel_ furniture_ paint supplies_ there probably has to be a doctor #or maybe they just kill them who knows #so. it would take less than that #also a million seconds is 11 days. another fun fact! a billion is 31 years #honestly i find it a little ? uh. not exactly accurate (i guess) when people call him rich when he's not THAT rich #he only won a million dollars. and since the hotel probably cost 200k he's probably not even a millionaire at all #definitely not poor yknow. just. not very rich #and a decade isn't even that long. that would definitely be in the residents' lifetimes. #oj probably would have to find another source of income. somehow. #so many tags... how am i even going to swim today.

[karmaphone]

the fact that I've been buying sodas from the same gas station all my life and the price has more than doubled since I was a kid (and I'm only 23!!!) should tell you more than enough about the state of capitalism today

#they used to be a dollar nineteen. now they're two eighty...................... #I know it's a small thing but the price of a given object more than doubling within a single lifetime is extremely alarming and used to #indicate an incoming economic collapse lol #but it's just considered normal now :)

[kehlanies]

.

#shup ut nicki #this has nothing to do with anything anyone is talking about so feel v free to ignore me dkdkdksk #but i just saw the emma chamberlain podcast where she talks about people constantly filming at concerts #and how there's and obsession with posting your experiences online #which is true! the sanpchat/instastories/tiktokification of documenting experience is...yeah #but i think concerts are different because concerts for a lot of people are a once in a lifetime experience #very few people have the income to see multiple shows in a year - some people will only ever see one concert ever in their life #after intentionally saving up for it. esp for big artists #why shouldn't they be able to record their experience? bc i gotta tell you if i ever get to see beyonce in person #i would start taking pictures the week before of the empty venue lol #the idea that someone shouldn't get to go back and relive or share a very rare experience for them has just always rubbed me the wrong way #(maybe bc i'm poor and the most expensive concert I've ever been to was the cheetah girls sksksk) #and like obviously its different if you're going to 50 shows of the same artist and taking pictures to brag. #but i think its fair to say 90% of people aren't doing that. hell 90% can't do that. #also i literally live vicariously through other peoples footage of their concent experience #so yeah. off the soapbox now.

[somelazyassartist]

.

#I'm having another one of those 'i want to kill myself' nights #I'm a financial burden to everyone in my life #between all my medical issues plus needing a wheelchair plus probably needing my wisdom teeth taken out #all of which are incredibly expensive #it's not fair to anybody to have to try to deal with me like this #I'm not worth going into fucking debt over and I'm not getting any better either so what's the fucking point #if i was gone I'd stop being so fucking expensive to just keep alive #not to mention with my medical stuff i have to 'work from home' now which isn't exactly stable income #there's no guarantee how much money I'll make or how soon I'll make it which wouldn't be fair to any future roommates #i want to be able to put in as much as they would. i want to be able to pay my share of the rent and have extra to chip in with #and I'd never be fit to be a husband or father. as much as i wish i could be i just know i can't do it. #I'm in pain all the time and can't do a lot. I'm not very strong. my memory issues make it hard to keep track of anything #not to mention I've got some issues that y'know. could lead to a higher risk of maternal mortality #so even if i tried i might just fucking die anyways #I'm far too expensive to take care of. i could never make enough in 10 lifetimes to pay people back. i could never be a husband or father. #I'm so tired of being a burden to everyone i love #they deserved so much better and i want them to be happy and i just don't see how me continuing to be around does any good #they'd all be so much better off without me i can't do anything and i could never give back as much as i want to #i want to put in an equal amount of effort and money and care and love #and i know I'm not doing that and i hate it and I'm trying so hard to get to a place where i can but nothing's working #I'm so tired of being a burden. i just wish i wasn't so fucking hard to take care of. i wish i didn't need to be taken care of at all. #things really would be better if i were gone. i don't think anyone could convince me otherwise #I'd stop being in so much pain all the time and the people i love wouldn't have to put up with my dead weight (no pun intended) #everyone's lives would be so much easier if i wasn't in them #gods how fucking selfish is it of me that i haven't done it already? #i don't deserve anybody's kindness and my friends and family don't deserve to put up with my bullshit anymore #i just want them to be happy #vent #suicide tw #suicide trigger warning

[normalhumanblogger]

I watch dance moms like its true crime

#im taking notes im watching with scepticism i have the production notes open im on the casts social media #i want to know the tea! i am watching the expose vlogs by cast members! #i cant believe abby lee miller went to jail for hiding income when she should've exploded for how she treated those kids! #i think lifetime should have to pay all the kids and black people that had to interact with her a large stipend in perpetuity #collins avenue and the producers can die too fr

[a-silent-observer]

I am so glad that I've managed to buy most of the things I wanted in the years before. (stationery, collectible cards, vitamins, teas, some clothes. Things that do not expire.) Price gouging and inflation disaster has been in full swing for a while and we are now in the fallout era. Prices are straight up double, or even triple the pre-covid level. I'm a little bit sorry for my reckless spending - I've spent 2/3 of what I managed to earn as of 2018-19 - but now that I think of it, if I didn't, I wouldn't have had these things at all. (the only thing I regret is not having a major renovation of our apartment done at that time, while two of my neighbors had. With prices like these, and everything, the closest date has moved to never. Although I won't blame anyone for it, nobody knew + I was severely mentally ill and jolting at the slightest sound. The drilling, and banging, was pure nightmare.) I've been spending a little bit, here and there, mostly as a consolation prize for existing - I knew all this time something excruciatingly bad was coming, I just... Hoped it would end at corona. It wouldn't have been half as bad actually! The quarantine has been lifted a good while ago. It's just - there are so much problems and things to worry about now that coronavirus seems miniscule.

#I hate to be the 'there are people who have it worse' person but #To all my american fellows: on top of what you have (e.g. housing crisis low income price gouging) #You could also have a significantly non-zero risk to have yourself and all of your belongings blown up by a rogue rocket or strike drone #Every other night #With not a single clue about when or how it will end #You will probably never experience this one in your lifetime. And for that I am thankful. War is not and never has been a good thing

[whiskey-bumblebee]

anyway two roads diverged in a yellow wood

either stay in this city, far from where i feel is home, but with a job and a boyfriend and financial security and a nice apartment, but also isolated from the life that i feel i want to be living

or drop everything again and move to the other city, the one I feel is home, leaving job and boyfriend here for a life that doesn't exist yet and maybe never will

#i feel like everyone in the world who's like 20 to 32 all need to sit down in a big room #and just figure out how the fuck we're gonna do this #it's so impossible to set goals for your life when you can tell you'll never be able to afford the life you watched your parents living #whether that's home ownership or having kids or being able to survive on a single income #and there's no resolution to this! i can go to all the therapy i want but it doesn't change the basic parameters of 21st century life #idk man i just wanna write books and movies and see my friends #and you know what #i am so grateful for my life but i'm not gonna undercut everything i'm saying by going oh but i do have some privileges! #yes i have privilege but also the billionaires should pay taxes #and we are getting distracted from the Revolution by constantly having to acknowledge that we have privilege #not to mention climate crisis things i.e. i cannot imagine the world being habitable by the end of my lifetime #increasingly watching the world become a place that i do not want to live #anyway. one for the void