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 earn free CEUs for nurses (4 Steps)

Access the internet and visit one of the sites listed below in resources. Topics vary widely, but you should find at least one topic of interest to you.
Register at the site. Registering is usually necessary to gain access to the continuing education area and by registering you ensure your name is printed on the certificate of completion.
Read the education presentation carefully. Think of key points and how the article could be summarized. Don't prepare too much though; most sites allow the user to retake the test if they don't pass the first time.
Most presentations require an evaluation or a post test. Submit the evaluation or pass the post test and print out your certificate or wait for the certificate to be mailed, if applicable.
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How to Do Data Entry From Home (6 Steps)

Ask for references from people who have data entry experience if you know friends or family members who share the common interest. You never pay to work. This should be the principle rule when searching for that perfect data entry job.
Research legitimate work-at-home data entry companies. It's always best to check for complaints with the Better Business Bureau. There will typically be a complaint listed if it is a scam. You will also want to do a search with the words 'scam' following the name of the company. This will help to bring to light any Websites with complaints or questions of legitimacy.
Gain support through work-at-home message boards. Many of these message boards list legitimate companies as 'stickies' on their Websites. Stickies are permanent posts on message boards that usually hold valuable information for new members. Members will also assist if you cannot find information on a questionable company. You can find these links in our Resources section.
Read the qualifications for the data entry position carefully. Many data entry positions ask that you have ten key skills as well as the ability to type at least 60 words per minute. Employers will also specify computer requirements like operating system must haves, software specifics and the need for high speed Internet service.
Prepare a telecommuting resume. Telecommuting resumes are similar to traditional resumes in that they list all your skills and detail your capabilities. The difference between telecommuting resumes and traditional resumes is that telecommuting resumes do not include personal information such as addresses and phone numbers. Telecommuting resumes also include information about your computer capabilities, work samples and details of your office setup. An email address that you check frequently should be listed as your contact information.
Take notes on employer responses. Some companies notify you on the best time to contact them in the future if all positions are filled. Its important that you notate these time frames and adhere to them to the letter. That's true if you want to do data entry work from home.
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How to Earn Ranks in the Military (4 Steps)

Ask your commanding officer what the 'zone' requirements are. These have to do with the amount of time in the military required for promotion. One of the ways to earn rank is to be recommended by your supervisor to a promotion board. Your chances of getting a recommendation are increased by doing well on your appointed tasks, volunteering for special duties, getting good test scores and having a solid and consistent physical record. Promotion boards take into consideration how well you complete your assignments. Perform exceptionally and you will have a better chance of earning a higher rank when the time comes.
Put your time in. Many of the promotions to a higher rank are based on the time you have spent in the military. Eighteen months is the minimum time required by law before you can gain your first promotion if you hold the rank of ensign or second lieutenant. An officer who holds the rank of first lieutenant has to have served for at least two years. If you hold the position of captain, major or lieutenant colonel in the Army, Marines or Air Force you will need to have served in that position for at least three years. Also the grade of lieutenant, lieutenant commander or commander in the Navy requires at least three years in that grade. If you hold the grade of colonel or brigadier general or captain or rear admiral in the Navy, you must have served at least one year at this rank before you're eligible for promotion.
Get a college degree. You will automatically earn a higher rank than an enlisted recruit and will enter as an officer. You can apply for the ROTC program and have your education paid for by agreeing to enlist in the military when you graduate. If you plan to reach the level of warrant officer you will need special training, such as that offered at Officer Candidate School (OCS) or Officer Training School (OTS). Those accepted into these programs need to have an excellent academic record, recommendations from teachers and above average college aptitude test scores, and must pass a physical exam.
Choose the right branch. Although all the branches of the military will offer accelerated advancement if you have a college degree, the different branches offer advancement for different criteria. For example, the Army offers accelerated promotion to enlistees with certain skills or job training that were acquired as a civilian. The Navy offers accelerated rank for participation in certain enlistment programs. The Air Force is the only branch that offers accelerated promotion to enlistees of six years. You are also eligible for promotion if you were a boy or girl scout and refer friends to join.
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How to Start a Credit Card Issuing Company

Earn commissions by joining a credit card affiliate program to promote the products and services of online credit card merchants. Create a website where you can market credit card products and services. Once you establish a website, post links to the websites of merchant partners.
Enter into a partnership with a major bankcard company like Visa or MasterCard. If your nonprofit organization participates in an affinity credit card program, the group will be compensated for endorsing the card by being paid a percentage of each credit card transaction processed through the bank card service. In addition, a small issuer can often gain an economical advantage by partnering with an agent card issuer; yet still remain in control of its card program, but at a more affordable cost.
Contract with a company or corporation that is specifically in the business of providing credit card services. There are definite advantages to outsourcing the actual management of customer service and payment processing and collections functions related to your credit card program. A primary advantage is allowing smaller card issuers to compete in the credit card market by allowing larger companies to assume the expenses and risks associated with a credit card program.
Pay any required start-up costs, deposits and processing fees, which can vary. Choose from a variety of Visa and MasterCard products available. Establish the terms and conditions by setting rates and credit limits as permitted under your state's laws. Design a logo for the card to broaden brand identification.
Market the credit card program. With marketing costs increasing, more small issuers are finding themselves pressured by market competition, as large card issuers have the ability to offer better credit card products. They also have the resources needed to promote products and services more effectively than the majority of the competition.To succeed, small card issuers must be willing to invest in promotional pricing and rewards programs to attract new cardholders. Like any other business, the goal is to attract consumers and operate at a profit while controlling costs.
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