When you decide that you want to get a divorce, you are going to enter into a world of laws and regulations. The first thing that you should do is go directly to a state operated site and ensure that all the information you are getting is valid in the state of Florida. Every state has its own laws and regulations.
State laws are very different in regard to family law and divorce law. Some states have communal property laws while others do not. You do not want to discover that the documents that you obtained online will not be recognised by the courts. If you do have questions about laws in the state of Florida, the court does have a website. (See also online divorce forms and free divorce forms)
Sunday, August 7, 2011
Florida Divorce Forms | Online Divorce Forms
Benchmark yield
Dear Mr. Tan
What is the benchmark for the yield on my savings until retirement. How do I calculate the yield on my life insurance policy?
REPLY
Your target should be a yield of at least 5% per annum. If you look at this article, you will find the yield on the Straits Times Index Exchange Traded Fund (ETF) over the past 20 years is more than 9% per annum, after deducting expenses. The yield in the future should be at least 5% per annum, after deducting expenses.
If you wish to invest in a unit trust, instead of the Straits Times Index ETF (from SDPR or DBS), you should choose one that has an expense ratio of less than 1% per annum (as the above two ETF has an expense ratio of only 0.3%).
To calculate the yield on a life insurance policy, you should use the Excel function called "Rate" to calculate the yield. For example, if the annual premium is $5,000 and the cash value at the end of 30 years is $200,000, the yield is 1.9% per annum. If the cash value is $300,000, the yield is 4.4% per annum. So, the life insurance policy is satisfactory , if it gives $300,000 (instead of $200,000) in this case.
What is the benchmark for the yield on my savings until retirement. How do I calculate the yield on my life insurance policy?
REPLY
Your target should be a yield of at least 5% per annum. If you look at this article, you will find the yield on the Straits Times Index Exchange Traded Fund (ETF) over the past 20 years is more than 9% per annum, after deducting expenses. The yield in the future should be at least 5% per annum, after deducting expenses.
If you wish to invest in a unit trust, instead of the Straits Times Index ETF (from SDPR or DBS), you should choose one that has an expense ratio of less than 1% per annum (as the above two ETF has an expense ratio of only 0.3%).
To calculate the yield on a life insurance policy, you should use the Excel function called "Rate" to calculate the yield. For example, if the annual premium is $5,000 and the cash value at the end of 30 years is $200,000, the yield is 1.9% per annum. If the cash value is $300,000, the yield is 4.4% per annum. So, the life insurance policy is satisfactory , if it gives $300,000 (instead of $200,000) in this case.
How to Build A Website for Your Business – Videos | Web Design Dublin
Below you will find 3 videos showing how easy it actually is to build your own website, for whatever purpose, and it will only take you about 10 minutes.
Kindly note that if you mouse over the bottom of each video you will be able to watch the full screen version of the video.
Here is How to Build a Website for Your Business-Video 1
How to build a website for your business-Video 2
Victims of Spa packages
Dear Mr Tan,
As you are seen as the voice of the common people in Singapore. I hope
you will help to spread the word to the estimated 20,000
True Spa & Subtle Senses victims.
Please join us in the fight to get back our money.
http://www.facebook.com/groups/170620749615018/
http://www.youtube.com/watch?
http://www.youtube.com/watch?
Thank you,
Ally Lee
As you are seen as the voice of the common people in Singapore. I hope
you will help to spread the word to the estimated 20,000
True Spa & Subtle Senses victims.
Please join us in the fight to get back our money.
http://www.facebook.com/groups/170620749615018/
http://www.youtube.com/watch?
http://www.youtube.com/watch?
Thank you,
Ally Lee
Feedback on Live Streaming of Financial Planning Talk
The live streaming of the talk will be held at 10 pm tonight. Please give your feedback to this mode of giving a talk by posting your comments here.
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