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Earning guaranteed income with an annuity can be a great way to bolster your retirement plan. Before you buy, you need to decide whether a qualified or non-qualified annuity is best suited to your needs.
The purpose of an annuity is to provide guaranteed income in retirement. They can strengthen your financial plan by giving you confidence that you won’t outlive your retirement savings.
Technically, an annuity is an insurance contract that supplies you with guaranteed income, starting either immediately or at a time in the future. You can purchase an annuity with just one payment or a series of payments, known as premiums.
Handing over money now for the prospect of small, but steady income payments is a big ask for many people, especially those who want to leave the lion’s share of their savings to their families.
While this is an understandable hesitation, it’s worth considering that annuities can be an effective component of a comprehensive financial plan. Moreover, some annuities do pay death benefits to beneficiaries.
Whether or not an annuity is non-qualified has little to do with how the annuity pays out income. Instead, it refers to where you get the money to purchase the annuity contract and how the payments are taxed.
Non-qualified annuities are purchased with after-tax dollars. That’s money on which you’ve already paid taxes.
Contrast this with a qualified annuity, which is paid for with pre-tax dollars. Recall that you can contribute to a traditional individual retirement account (IRA) with pre-tax funds.
A non-qualified annuity is funded with money that’s already been taxed. That confers certain advantages: There are no contribution limits, and income payments from the principal are free of income tax. Only the funds derived from income growth in the annuity are taxed.
Contrast this with a qualified annuity, which is funded with pre-tax dollars. All income payments—from both principal and investment growth—are taxed as ordinary income. In addition, qualified annuities have contribution limits and some additional restrictions.
“You should always consult your tax advisor to make sure you are aware of any adverse tax consequences either during the purchase of an annuity or when you need to make a withdrawal,” said investment advisor Jeff Bush, a partner at Lift Financial in South Jordan, Utah.
A non-qualified annuity isn’t necessarily better than a qualified annuity. However, your financial situation may dictate whether one stands above the other.
Contributions to a non-qualified annuity have already been taxed, while contributions to a qualified annuity have not been taxed.
Meanwhile, only the earnings—not the principal and premiums—from a non-qualified annuity are taxed when withdrawals start, but all the money taken out of a qualified annuity is taxed.
Qualified annuities usually are purchased in conjunction with an employer-sponsored retirement plan, while non-qualified annuities aren’t connected to workplace benefits.
If you don’t have access to a workplace retirement plan, your only option very well could be a non-qualified annuity.
In 2021, U.S. sales of fixed and variable annuities reached $233 billion, representing the highest yearly total since 2008 and up 12.3% from 2020, according to the Insured Retirement Institute.
Qualified annuities attracted more money in 2021 ($131 billion) than non-qualified annuities ($102 billion).
Sales in 2022 are building off the momentum from the year.
In the second quarter of 2022, total annuity sales rose 22% to $77.5 billion, according to preliminary data from LIMRA, an insurance industry trade group. That marked the highest quarterly sales number since LIMRA began tracking annuity sales. The total in the second quarter of 2022 bested the previous record, set in the fourth quarter of 2008, by nearly $9 billion.
LIMRA attributes the sales spike to volatility in the stock market and still-rising interest rates. The organization predicts annuity sales will climb from a range of $267 billion to $288 billion in 2022 to a range of $294 to $314 in 2024. LIMRA says the projected increase aligns with the aging of the U.S. population, as most annuity sales happen around the traditional retirement age of 65.
In some cases, buying either a non-qualified annuity or qualified annuity might be a smart move. Your best bet is to visit with a fee-only financial advisor before selecting an annuity.
“In today’s volatile bond market, annuities have been used as a safe alternative to bonds,” Bush said. “If you are looking for the security of knowing your future income in retirement is secure, then annuities may get the job done for you.”
Younger investors need to maximize the growth of their portfolio, making stocks and other investments a better choice than an annuity. Additionally, if you need to take cash out of a non-qualified or qualified annuity before age 59½, you face tax penalties.
“Annuities, like any other savings or investment vehicle, should be assessed on a personal basis, as they will be right for some people and not for others,” said Aaron Freedman, a MassMutual financial advisor in Meridian, Idaho.
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Whether you need a helpful clue for today's Wordle, would love someone to provide the answer to the October 15 (483) challenge as quickly as possible, or were hoping to find a guide designed to explain the internet's hottest puzzle game to newcomers, you'll find it all here.
I've been making myself use new openers and follow-ups every day this week as a little word-based exercise, and it's helped a lot. Not necessarily in getting to the answer in fewer guesses, but it has made me actually look at each puzzle in a new light and remind me of connections I'd been glossing over.
Today's answer describes the action performed when a person grabs something out of the air—a thrown ball, for example. This verb can also apply to colds. There's just one vowel today, and one of the consonants is used twice.
If there's one thing better than playing Wordle, it's playing Wordle well, which is why I'm going to share a few quick tips to help set you on the path to success:
There's no time pressure beyond making sure it's done by midnight. So there's no reason to not treat the game like a casual newspaper crossword and come back to it later if you're coming up blank.
Not every day can be a win. Oh wait, yes it can. The answer to the October 15 (483) Wordle is CATCH.
The more past Wordle answers you can cram into your memory banks, the better your chances of guessing today's Wordle answer without accidentally picking a solution that's already been used. Past Wordle answers can also provide you some excellent ideas for fun starting words that keep your daily puzzle solving fresh.
Here are some accurate Wordle solutions:
Every day Wordle presents you with six rows of five boxes, and it's up to you to work out which secret five-letter word is hiding inside them.
You'll want to start with a strong word (opens in new tab) like ALERT—something containing multiple vowels, common consonants, and no repeat letters. Hit Enter and the boxes will show you which letters you've got right or wrong. If a box turns ⬛️, it means that letter isn't in the secret word at all. 🟨 means the letter is in the word, but not in that position. 🟩 means you've got the right letter in the right spot.
You'll want your second go to compliment the first, using another "good" word to cover any common letters you missed last time while also trying to avoid any letter you now know for a fact isn't present in today's answer.
After that it's just a case of using what you've learned to narrow your guesses down to the right word. You have six tries in total and can only use real words (so no filling the boxes with EEEEE to see if there's an E). Don't forget letters can repeat too (ex: BOOKS).
If you need any further advice feel free to check out our Wordle tips (opens in new tab), and if you'd like to find out which words have already been used you'll find those below.
Originally, Wordle was dreamed up by software engineer Josh Wardle (opens in new tab), as a surprise for his partner who loves word games. From there it spread to his family, and finally got released to the public. The word puzzle game has since inspired tons of games like Wordle (opens in new tab), refocusing the daily gimmick around music or math or geography. It wasn't long before Wordle became so popular it was sold to the New York Times for seven figures (opens in new tab). Surely it's only a matter of time before we all solely communicate in tricolor boxes.
Looking for the Heardle answer for Sunday, October 16? You’ll find it here:
Hello, Heardle fans! Happy Friday. I hope this has been a good week for you. Before we get to the weekend, there’s one more round of Heardle to play. Some clues and the answer for today’s song are coming up.
For those who are checking out the game for the first time, here’s how to play Heardle: You will hear the first second of a reasonably well-known song. You’ll then try to guess the artist and title or skip your turn. If you skip or guess incorrectly, you’ll get to hear a little more of the song. The game continues until the sixth and final guess, at which point you’ll hear 16 seconds of the track.
These are the songs that have featured in Heardle over the last week:
Make sure you have a lush life by keeping your Heardle streak going. Here are some clues for today’s song, followed by the answer:
Spoiler warning! Wait right here until you’re ready to know today’s Heardle answer. I wouldn’t want to spoil it for you.
With that said, today’s song is...
“Love Me Now” by John Legend!
I didn’t have a clue until the vocals kicked in, and it was unmistakably John Legend’s voice. However, I didn’t know the name of the song and playing the guessing game didn’t work out for me this time. It’s a good track, though! Listen to it here:
Dear Answer Angel Ellen: My archnemesis is zippers. I constantly have a battle with boots, purses and jackets with the zippers getting caught in the inside lining. Struggling with going back or sometimes forward with the zipper is a huge dilemma, probably for everyone. Do you have any suggestions?
— Frannie W.
Dear Frannie: And this always happens when you’re in a hurry. Here are some DIY solutions to try:
— Yank the stuck fabric in your zipper away from the zipper (gently, so you don’t cause yourself more problems with a torn garment). The pointy tip of a safety pin also helps dislodge the fabric. If it is a ragged edge or stray threads impeding the zipper, try a tweezers to remove it and a scissors to trim the fabric so it won’t happen again.
— Use a regular pencil (gently, so you don’t break the tip) to apply the slippery graphite of the pencil lead to the zipper teeth, starting at the trouble section where both sides of the zipper meet and going into the inside crevices of the body of the zipper slider. (If you have also managed to yank off the zipper pull — the handle — in this maddening process, use a safety pin or a bobby pin as a temporary replacement).
— For prevention, iron the lining or whatever fabric keeps getting in the way so it won’t impede the zip the next time (this is impossible with purses, boots and other footwear). Do NOT use heat if it is a plastic (non-metal) zipper.
— Lubricate! Applied to the zipper, lip balm, a wax candle, olive oil, petroleum jelly, wax paper or window cleaner will work, but keep the stuff away from delicate fabric (use a cotton swap for application) so you don’t have a working zipper on clothing now ruined with a grease spot.
— Take it to a shoe repair shop or dry cleaner. They see this all the time, not only on shoes and clothes, but also luggage. Hopefully, they can unjam it rather than replacing the zipper, which sometimes costs more than the garment is worth.
— Buy a zipper repair kit at a sewing shop, hardware store or online.
Dear Answer Angel Ellen: I have excellent distance vision but I need cheaters for practicing and other close-up tasks. I have Dollar Store readers stashed everywhere, but I’m tired of whipping them on and off as needed. I’ve heard there are glasses that are clear above and magnifiers below — kind of like cheater bifocals, I guess. I’d love some to wear at home when I’m up and down doing various things. My eye doctor told me I could get them “at the drugstore or online,” but so far, no luck. Do you know where I might find them? Attractive ones would be a bonus!
— Barbara H.
Dear Barbara: Sometimes all you need to locate a product is to abandon hope of finding it in stores and use the correct words in your online search. Try “bifocal practicing glasses” and you’ll find what you’re looking for. What you want, technically, isn’t a bifocal, but glasses with lenses that are clear (unmagnified) at the top and with your choice of practicing magnification at the bottom. Readers.com has them in an array of colors and styles at $18 and up. Foster Grant (fostergrant.com), a popular brand at big box and drugstores, makes them, though you will rarely find them in stores, and if you do, most often they are sunglasses. Amazon.com has loads, regular and tinted, for under $10, some with no visible line (progressive lenses) between the unmagnified and magnified portions. For those fortunate to have no problem with distance viewing, these bifocal readers are a useful option.
J.N. writes, “I wish that manufacturers would mark blue or black on the inside tags of clothing. I recently wore navy blue pants out to dinner. I thought they were black. It wasn’t until I got to the restaurant that I realized my blunder. It didn’t look good.”
©2022 Tribune Content Agency, LLC
Lewdle is a word-guessing game similar to Wordle, except all of the words are not suitable for work (NSFW: Not safe for work). The rules are the same; you have to guess a 5-6 letter word within six tries. You do get a hint by clicking on the lightbulb, but it will only get you 1 letter in the right position.
If you want to avoid breaking your streak, but don’t want the solution right away, here are some clues that can help you guess the answer.
Lewdle’s example of the word is as follows:
To hit, whip, or spank someone with a cane with the intention of inflicting both pain and pleasure.
Here is a list of previous Lewdle answers for some inspiration for future words:
Are you struggling to guess the Heardle for October 17? Would you like some help?
Did you have a good weekend? Hopefully, you were able to rest and recharge to take on a new work week. Let’s have a “Victory Monday” on Heardle. This iconic pop song has been featured in multiple films, including one about models.
Remember, if you need help, we have listed some hints below to guide you in the right direction.
If you missed yesterday’s song of the day, then you can find the answer here. Make sure to come back daily for hints and help to solve the daily Heardle.
Heardle is like Wordle or Framed, but with a musical twist. Players listen to a clip from a popular song and try to guess the artist and song title. Players unlock a few more seconds of the song with every incorrect or skipped answer. The maximum number of guesses is six, which means users will hear 16 seconds of the song at most.
The goal is to name the song in as few guesses as possible.
Do you provide up and need some assistance? Don’t worry about it — we’re here to help! If you want to see the answer to today’s Heardle, scroll below.
The answer to today’s Heardle is …
Trying to solve Wordle #485 for October 17, 2022, and need some help? Don’t worry — we’ve got you covered.
Happy Monday, everyone! Let’s kick off the week with an easy Wordle win to feed that win streak. Let’s try to get this one in under three guesses to really stick it to your Wordle friends and family.
Before you take a look at the hints below, check out our easy guide on playing Wordle for some tips and tricks for playing daily, including strategies and good starting words. And bookmark our Wordle hub somewhere so you can come back for more hints and answers.
Wordle is a vocabulary game in which players get six tries to guess a five-letter word. Once you enter a guess, individual letters within the word you entered will appear in different colors. Each color has a different meaning.
The goal is to guess the correct word in as few attempts as possible. If you don’t get the answer in six guesses, you lose.
Still having trouble? No worries — you can’t get them all! If you just want to see today’s Wordle answer to continue your streak, you can find it below.
The answer to today’s Wordle is …
Fox News host Sean Hannity on Friday pressed former Democrat and current right-wing media darling Tulsi Gabbard on whether she believes the U.S. has a “moral obligation” to provide support to Ukraine as it defends itself against Russia.
Gabbard, who claimed earlier this week that the Democratic Party is being controlled by “an elitist cabal of warmongers,” has openly questioned the aid measures the U.S. has taken since the Russian invasion in February. It’s comments like those that have earned her adulation from Hannity’s more isolationist-sounding colleague Tucker Carlson, who gushed Tuesday that “every Republican candidate” who comes on his show should sound like her.
Hannity, not shy about calling Russian President Vladimir Putin a “thug” and “murderer,” asked Gabbard what the U.S.’s role should be regarding Ukraine. “Do we stand by and say that’s your problem, or do we have a moral obligation to say we’re not going to let anybody kill innocent men, women and children?”
Gabbard avoided answering the question directly, instead reiterating her stance that President Biden has been escalating the war rather than working “to bring these parties together.” But as the former Hawaii congresswoman was poised to invoke the words of President John F. Kennedy to make her case that a “negotiated, peaceful solution” was possible, Hannity interjected:
“If I may—we can have a dialogue about it. If you look at it though, he invaded a sovereign country. He’s claiming it to be his own. If anyone said, ‘Hawaii is ours,’ I know it’s your home state, I don’t think you would like that and would want America to come defend you, wouldn’t you?”
“Well,” Gabbard replied, “Hawaii is part of the United States. So yes, that would be a problem for the United States.”
“Once somebody invades a country and kills innocent men, women and children, does the world have an obligation to stop it early, or do you provide in to nuclear blackmail?” continued Hannity, who has bristled before at Gabbard’s Putin-friendly talking points. “Somebody could say I’m going to nuke you if you dare support Ukraine or whatever country it happens to be.”
“The path that we are on has been escalating and making this war…” Gabbard said before being cut off.
“No, I’m not asking you that part,” Hannity pressed, prompting Gabbard to ask for the Fox host to let her answer the question.
“If the moral obligation is to do what we can to end the suffering of the Ukrainian people, who are suffering death and destruction, it’s to bring about an end to this war as quickly as possible,” Gabbard said. “President Biden has failed to do that, and he has failed the American people, the people of Ukraine, and the world in doing that.”
Pennsylvania Lt. Gov. John Fetterman was ridiculed after a video emerged of him giving an apparently nonsensical answer during a cable news interview.
Fetterman, who is running for Senate in the Keystone State, suffered a stroke in May questions about his health have lingered.
“I just wanted to check in and see how you’re doing,” MSNBC host Chris Hayes asked Fetterman on Friday — noting it was the first time they had spoken since the stroke.
“I’m doing fantastic. It’s not about kicking balls in the authority or anything,” Fetterman responded.
The garbled response drew laughs from Republicans who jumped on the clip on Twitter Saturday.
“This has to be the funniest thing I’ve seen this cycle,” said GOP Deputy Communications Director Nathan Brand.
“Like what on earth is that response,” added Steve Guest, an aide to Sen. Ted Cruz.
“He’s taking speaking lesions from Joe Biden,” quipped another Twitter user.
Australian-based Web3 game studio Ninja Syndicate’s CEO and founder believe GameFi could usher in a new era where users can earn a living wage through blockchain games.
Speaking to Cointelegraph, founder John Nguyen and CEO Alex Dunmow said that traditional jobs are increasingly at risk through factors such as automation.
According to the game developers, blockchain games can and are playing a vital role for people to earn a living in the digital world through play-to-earn and move-to-earn.
The process often requires significant work, but Dunmow said many mainstream triple-A games already feature “grinding for hundreds of hours,” though the assets “provide no value for the player.”
In GameFi titles, digital assets can come in the form of nonfungible tokens (NFTs). Users can then take them to a marketplace and sell them for fiat currency or crypto, essentially earning a wage through gaming, argued Dunmow:
“NFTs can provide you the technical ability to take ownership of a game asset out of the control of the publisher of the game.”
One of the best examples Dunmow has seen of people making a living through GameFi is a 2021 report about a community in the Philippines that turned to NFT gaming during COVID-19, which caused a shortage of workers in low-paying jobs, as they could earn wages playing blockchain games instead:
“I saw the whole situation as a positive. A group of people who were likely being exploited in their low-paying day jobs have found a way to earn wages in the Metaverse.”
Dunmow and Nguyen said the negativity around NFTs and blockchain in gaming present a challenge, but through their games, they hope to “subtly educate people about the benefits of NFTs.”
The game studio has been developing a set of blockchain games under the Supremacy World ecosystem, which involves building, fighting and mining resources within a fictional dystopian world where factions use giant mechs to fight for territory and power.
Supremacy will eventually combine four games: a battle arena that is already out, a first-person shooter, a massively multiplayer online game and a real-time grand strategy game.
Through the series of four interoperable games, the executives said they are creating an ecosystem where players have “sovereign ownership” over their digital assets and can use them in whatever way they want, explaining:
“What interoperable boils down to is being able to share digital assets between games.“
However, Nguyen noted that this interoperability also can also extend to “other game worlds, DeFi and PFP collection.”
“Supremacy will provide people who own an NFT, whatever it may be, in-game assets in our world,” said Nguyen, adding that they recently were given a chance to design a custom mech skin for a user based on his Bored Ape Yacht Club brand NFT, noting that he can now connect his Ape and claim his custom skin based on his NFT.
Although given the time and resources required, Dunmow acknowledged they won’t be able to custom design something for every user, but he said it shows what is possible.
Dunmow said that at the heart of their game, they’re still trying to build a “fun game,” which he believes is vital to the industry’s survival, adding that “Attracting players from outside the crypto space is crucial, especially in bear markets:”
“You make a fun game that has blockchain elements and attracts mainstream players; you are now disconnected from market forces, and you’ll be able to survive any recession.”
On Oct. 5, Ninja Syndicate announced a new deal with NFT minting and trading platform Immutable X allowing i to build on Immutable X’s layer-2 ecosystem, joining projects including Illuvium, Gods Unchained and GameStop.
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