How to Get Higher Rates of Return on Annuities

Compare the total rate of return you will earn over the entire course of the annuity and translate this into a dollar amount. You will have to factor in the amount of fees you will pay, the cost of your benefits if any and any other management fees that variable annuities may charge. This should always be the basis for comparison.
Disregard bonus rate annuities even though they offer a higher rate of return the first year. The rate of return after this bonus period could be very low, resulting in a lower overall gain.
Find higher rate fixed annuities by conducting a long search. Call several no-load annuity companies that offer direct sales of annuity contracts. They typically return higher rates of return, and since they do not offer benefits, you will earn more simply because you aren't paying more for a benefit.
Consider variable annuities, index annuities and CD or money market type annuities. These products are designed to compete with investments that earn more interest, and often return higher rates of return. However, variable annuities (which pay interest based on sub accounts that are tied to investments like stocks) could lose money.
Invest in fixed annuities that have longer guarantee periods of high interest when interest rates are high. This will lock in higher rates of return since fixed annuities offer higher interest based when interest rates are high. You will lock in the higher rates for a longer period of time when you get a higher fixed rate for a longer period of time.
Keep your annuities for a longer period of time and always renew at the highest possible rate. Some annuities may require you to renew your contract to continue getting a high interest rate. So, always renew at the highest rate, and be sure the annuity you buy allows you to renew at a higher rate. Check the renewal periods and rates for the past history of the annuity.
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How to Invest Your Money for Maximum Profit (5 Steps)

Determine how much of your portfolio you want to devote to stocks vs. fixed income investments. A good rule of thumb is to never invest money in the stock market unless you are sure you will not need it for at least five years. Investing short term money in stocks is risky, since you could be forced to sell when prices are low.
Look for a quality low-cost index fund to form the basis of your stock market portfolio. Vanguard and TIAA-CREF both offer excellent index funds with very low expense ratios. Those low expenses keep more money in the market and can boost returns over the long term.
Review the prospectus for each fund carefully and choose the one with the best performance and lowest expenses. The performance of an index fund should be very close to the benchmark on which it is based, i.e. S&P 500, Total Stock Market index. Be wary of any index funds that have significantly outperformed or under-performed the index.
Set up an automatic investment that funnels money from your bank account to the mutual fund every month. This automatic investing is one of the best ways to build wealth over the long term, since it takes the guesswork out of investing and helps you resist the urge to time the market. Keep in mind that even professional investors have trouble timing the market.
Invest a portion of any extra money you receive, like performance bonuses or incentive payments. Ramp up your investment percentage as your income increases.
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How to Make Quick Money As a Teenager

Advertise your babysitting services. Many working parents are often in need of someone to care for their children for a few hours and will pay for your services in cash at the end of your shift. You can post flyers in your neighborhood or advertise in local newspapers.
Offer to do yard work. Many people either do not have the time to care for their grass and plants or do not enjoy the work. Consider offering your services to your neighbors on a weekly basis. You may need equipment such as a mower, rake and shovel if your clients do not have these items.
Sell items you no longer need or use on Ebay. You can also approach your neighbors and offer to help them sell their unwanted items on Ebay for a fee or for a percentage of the sale price.
Make and sell crafts. If you enjoy crafts, you can sell the items you make to friends, school mates and neighbors or online at websites such as Etsy and Ebay. Popular craft items include jewelry, t-shirts and knitted or crocheted products.
Walk dogs. Some dog owners do not have the time to walk their dogs and often need someone to help when they are away. You can charge for your services on an hourly basis. You can also offer lodging and care for the pet when the owner has to travel.
Offer tutoring services. If you are strong in subjects such as maths and science, you could tutor children for a set fee per hour.
Make backgrounds for MySpace and Twitter accounts. Many members of these popular social networking websites want personalized backgrounds instead of the standard sets that the websites offer. If you have design or graphics skills, you can provide this service and have your clients pay you when you deliver a finished project. Consider setting up a website to advertise your services and a Paypal account to receive payments.
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How to Earn Money With My PayPal Account (4 Steps)

Log in to your PayPal account.
Click 'Money Market' near the bottom of the screen on your 'My Account Page.'
Click 'Enroll Now' to enroll your PayPal account in the money market program that sweeps the balance of your account into a money market fund on a daily basis. This means your money will always be accessible like it is now, plus you will earn money on every dollar in your account every day.
Next, click 'Referrals' at the bottom of the 'My Account' page. (It is near where you clicked on 'Money Market.') You will get two kinds of codes. One is a link that you can add to any email or other format you chose. The second is code that can be placed on a website. Both will pay you $1,000 anytime someone signs up for a PayPal Merchant account after clicking on your link.
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