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nuities in a portfolio But other steps need to be taken before a variable annuity is purchased First, be sure the use of other tax-deferred vehicles, such as IRAs and 401(k)s, is maximized Also maximize use of the tax-free Roth IRA Second, a prospective variable annuity owner should review his or her investment strategy Someone who invests primarily for safety and income should consider a fixed annuity, tax-free bonds, or regular bond funds instead Those who will buy and hold quality stocks or stock mutual funds for a long time probably are better off purchasing these investments outside an annuity In those cases, the tax deferral of the variable annuity won t offset the higher costs and higher taxes on distribution An investor who sells funds or stocks after less than a year or who seeks top-performing funds and sells them after substantial gains should consider a variable annuity.

The first step to getting to any newsgroup is to open Windows Mail using any of the following methods: n Click the Start button and click Windows Mail on the Start menu. n Press , type mail, and click Windows Mail. n Click the Start button and choose All Programs Windows Mail. If you just want to use Windows Communities, you can click that name in the navigation pane at the left side of Windows Mail. If prompted, sign in with your Windows Live ID. Or set up a Live ID by following the prompts on the screen. Then you can skip to the section Downloading newsgroup names. If you re trying to set up an account at another news server, you ll need to read on here. First make sure you know the address of that server. Many ISPs provide NNTP servers as part of their service. Check your ISP s Web site, or give them a call to find out if they offer this feature. You ll need to know the name of the server, which will be in the format name.yourdomain.xxx where name is the name of the server and yourdomain.xxx is your ISP s domain name. Also find out if the news server requires logging on. Once you ve gathered that information, follow these steps to set up an account:

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Third, determine when the money in the annuity might be needed If the money won t be needed or wanted for at least 10 or 15 years, consider a variable annuity Also, the money shouldn t be needed before age 59 1/2 Otherwise, the owner will pay a 10 percent early distribution penalty tax in addition to regular income taxes for any distributions before age 59 1/2 Fourth, someone who is confident of being in a lower-tax bracket when withdrawals are made than he or she is now in might find a variable annuity attractive Fifth, check out fees and expenses In an average annuity, there will be annual mortality and administrative expenses of over 2 percent of the account and an annual fee of about $25 The lowest expenses are charged by the Vanguard Variable Annuity and by TIAA-CREF s annuity Of the two, Vanguard offers more investment options.

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cherry tomato,dozens of varieties of heirloom tomatoes are grown and marketed. These come in all shades of red, pink, yellow, and green, all with somewhat different avors. Evaluation: Firm but not hard, with little or no green core. Smooth, without bruises,blemishes,cracks,or discoloration.If underripe,let stand two to three days at room temperature. Do not refrigerate. Preparation: For use with skin on: Wash,remove core.To peel:Plunge into boiling water for 10 20 seconds (riper tomatoes take less time). Cool immediately in ice water.Slip skins off and remove core.(Note:Many chefs core the tomatoes and cut a shallow x in the skin at the bottom before blanching in boiling water. Other chefs, wishing to avoid even the slightest loss of avor and nutrients from the exposed esh into the water, rst blanch the tomatoes and then core them and pull off the skins, which slip off just as easily.) See Figure 16.16 for further techniques. Percentage Yield: 90% (peeled)

Other mutual fund companies offering low-cost variable annuities include Fidelity and T Rowe Price & Co The broker Charles Schwab & Co offers more options for slightly higher expenses, as do several other brokers Take a good look at surrender charges Many annuities charge 7 percent or more to those who want their money back within a year Often, surrender charges decline for seven to ten years before being eliminated Vanguard, TIAA-CREF, and other mutual funds companies have no surrender charges..

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