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Lectures: 78
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350 W.
Oakdale Ave.
#1312
Chicago, Il 60657
(312) 547-9798
vbaur@hotmail.
com
Val Baur
OBJECTIVE: a financial service representative position in an organization seeking knowledgeable and experienced
individual to generate new accounts and serve existing clients through exceptional customer relations
SUMMARY OF QUALIFICATIONS: Highly...
Plus
350 W. Oakdale Ave. #1312 Chicago, Il 60657 (312) 547-9798 vbaur@hotmail. com Val Baur OBJECTIVE: a financial service representative position in an organization seeking knowledgeable and experienced individual to generate new accounts and serve existing clients through exceptional customer relations SUMMARY OF QUALIFICATIONS: Highly motivated, creative and versatile financial industry professional with five years of experience in commodities futures and options, investment, money management, sales of financial products, as well as hands on experience in all areas of retail futures brokerage firm. Extensive knowledge of technical and fundamental analyses. Exceptional closing skills with strong emphasis on building effective, productive working relationships with clients. Areas of expertise include: Proven and consistent record of achieving and exceeding sales goals and quotas. Leadership capabilities and ability to motivate teams towards high levels of achievement. Proficient in f
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Publiée le 9 Août 2011
Pages: 1
Lectures: 8
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InsuranceStrategies
*Source:The2010MetLifeMarketSurveyofNursingHome,AssistedLiving,AdultDayServices,andHomeCareCosts,
October2010.
Averagecostsfornursinghomecare-2010*
State
Semi-PrivateRoom PrivateRoom
Low High Avg.
Low High Avg.
Alabama(AL) $129 $204 $166 $134 $215 $177
Birmingham $155 $184 $168 $163 $194 $177
Montgomery $145 $204...
Plus
InsuranceStrategies *Source:The2010MetLifeMarketSurveyofNursingHome,AssistedLiving,AdultDayServices,andHomeCareCosts, October2010. Averagecostsfornursinghomecare-2010* State Semi-PrivateRoom PrivateRoom Low High Avg. Low High Avg. Alabama(AL) $129 $204 $166 $134 $215 $177 Birmingham $155 $184 $168 $163 $194 $177 Montgomery $145 $204 $174 $166 $215 $194 RestofState $129 $195 $162 $134 $205 $170 Alaska(AK) $435 $876 $610 $452 $876 $687 Arizona(AZ) $130 $230 $177 $155 $357 $235 Phoenix $130 $230 $177 $170 $357 $235 Tucson $151 $202 $179 $175 $303 $227 RestofState $140 $219 $176 $155 $300 $238 Arkansas(AR) $100 $165 $134 $109 $250 $155 LittleRock $125 $165 $145 $132 $200 $166 RestofState $100 $153 $129 $109 $250 $150 California(CA) $160 $661 $227 $185 $497 $287 LosAngeles $170 $256 $198 $185 $303 $238 SanDiego $178 $295 $215 $220 $395 $267 SanFrancisco $210 $661 $308 $315 $497 $435 RestofState $160 $400 $202 $201 $370 $255 Colorado(CO) $150 $275 $198 $159 $312 $221 Denver $167 $275 $209
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Publiée le 4 Juin 2011
Pages: 4
Lectures: 19
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Needs-based Strategies
Supplemental Disability
Income Insurance.
Employer Paid and Voluntary Options.
As a small business owner, you
have the option of providing your
employees’ with the opportunity to
apply for (or decline) supplemental
disability income (DI) insurance on
either a voluntary-or employer paid
basis.
Let...
Plus
Needs-based Strategies Supplemental Disability Income Insurance. Employer Paid and Voluntary Options. As a small business owner, you have the option of providing your employees’ with the opportunity to apply for (or decline) supplemental disability income (DI) insurance on either a voluntary-or employer paid basis. Let Massachusetts Mutual Life Insurance Company (MassMutual) provide solutions to your supplemental DI insurance needs through various individual and worksite options. SmallBusinessOwnersandEmployers Multi-Life Disability Income Insurance Employer Paid and Voluntary Options Company Size (Number of Employees) Disability Income Insurance Options Underwriting 1or2 Individualpolicies Medicalandfinancial underwriting 3ormore Individualpoliciesoffered withapremiumdiscount* Medicalandfinancial underwriting 10ormore Individualpoliciesoffered withapremiumdiscount* GuaranteedStandardIssue* withnomedicalorfinancial underwriting(75ormorefor voluntarycases) eWorksite SolutionsSM eWor
Moins
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Publiée le 3 Juin 2011
Pages: 2
Lectures: 12
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Special Advertising SectionSpecial Advertising Section
A Living Benefit
Whole life, or permanent life, as it is also called, is
experiencing a revival of interest as a long-term investment to weather difficult economic times.
Aside from
the death benefit, the insurance provides a tax-deferred
buildup of cash values that can be...
Plus
Special Advertising SectionSpecial Advertising Section A Living Benefit Whole life, or permanent life, as it is also called, is experiencing a revival of interest as a long-term investment to weather difficult economic times. Aside from the death benefit, the insurance provides a tax-deferred buildup of cash values that can be borrowed against on a tax-favorable basis, providing a ready source of capital when other sources of money are problematic or hard to come by. “Whole life insurance is the oldest type of life insurance, and used to dominate the market until the advent of newer forms like variable life and universal life about 30 years ago,” says Elaine Tumicki, corporate vice president of product research at LIMRA, a Windsor, Conn. -based insurance research firm. “With the investment climate taking a toll on these newer forms — variable life premiums, for example, are invested in the stock market — whole life is resurgent, now representing 28 percent of all new premiums, the h
Moins
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Publiée le 2 Juin 2011
Pages: 4
Lectures: 24
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Insurance Strategies
Why rent when you can own?
A comparison of term and permanent life insurance
An Educational Guide
for Consumers
Par admin
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Publiée le 2 Juin 2011
Pages: 8
Lectures: 13
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Investing with ActiveChoice IRA Program and EasyChoice IRA Program
The MassMutual IRA provides you access to the MassMutual Premier and MassMutual Select Funds.
These
subadvised funds offer a wide array of choices across asset classes and investment styles.
In a subadvised
structure, MassMutual serves as the investment advisor of the...
Plus
Investing with ActiveChoice IRA Program and EasyChoice IRA Program The MassMutual IRA provides you access to the MassMutual Premier and MassMutual Select Funds. These subadvised funds offer a wide array of choices across asset classes and investment styles. In a subadvised structure, MassMutual serves as the investment advisor of the funds, but hires subadvisors to handle day-today portfolio management. You can choose from some of the most well known managers in the investment business or from specialized boutique firms who have demonstrated expertise within a specific investment style. Why should subadvised funds be important for your retirement savings? No single fund family can be the best manager in all asset categories, so the specialized expertise it takes to manage a diversified line up of retirement-focused investments probably does not exist within the walls of one company. That s why we seek the best available managers from throughout the industry. Once we ve brought su
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Publiée le 2 Juin 2011
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Lectures: 21
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InsuranceStrategies
The dividend difference
Adding value to your whole
life insurance policy
An Educational Guide
for Individuals
Par admin
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Publiée le 2 Juin 2011
Pages: 12
Lectures: 14
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What is Form 5498?
The following short responses are intended to present general information only.
You should consult your
personal tax advisor with questions about your specific situation.
What is a Form 5498?
The IRS requires trustees or issuers of contracts used for Individual Retirement Accounts (IRAs) to
submit Form 5498 by May...
Plus
What is Form 5498? The following short responses are intended to present general information only. You should consult your personal tax advisor with questions about your specific situation. What is a Form 5498? The IRS requires trustees or issuers of contracts used for Individual Retirement Accounts (IRAs) to submit Form 5498 by May 31 each year. This form reports the fair market value, any rollovers and contributions made to your traditional IRA, Roth IRA, SEP-IRA or SIMPLE IRA and recharacterizations of an IRA contribution. The copy you receive is for your records. If you have any additional questions or concerns, please call our Annuity Service Center line at 1 (800) 272-2216 (press 2) Monday through Friday between the hours of 8:00 a. m. to 8:00 p. m. Eastern Time, and an annuity service specialist will be available to research your account. Why did I receive a Form 5498? You will only receive a Form 5498 if you did one of the following during the tax reporting year: (a) yo
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Publiée le 1 Juin 2011
Pages: 4
Lectures: 23
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Frequently Asked Questions Regarding Forms 1099
The following short responses are intended to present general information only.
You should
consult your personal tax advisor with questions about your specific situation.
Form 1099-R
What is a Form 1099-R?
A Form 1099-R is generally used to report designated distributions of $10 or more...
Plus
Frequently Asked Questions Regarding Forms 1099 The following short responses are intended to present general information only. You should consult your personal tax advisor with questions about your specific situation. Form 1099-R What is a Form 1099-R? A Form 1099-R is generally used to report designated distributions of $10 or more from pensions, annuities, profit-sharing and retirement plans, IRAs, and insurance contracts. Copies of the Form 1099-R are provided to the taxpayer identified on the Form, the Internal Revenue Service and the appropriate state, city or local tax department. If you have questions about other types of payments reported on Form 1099-R, please consult your personal tax advisor. What is the difference between a Form 1099-INT and a Form 1099-R? The Form 1099-INT is used to report interest credited on certain contract proceeds. The Form 1099-R is used to report designated distributions of a contract’s internal earnings (gain) that were previously untaxed.
Moins
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Publiée le 1 Juin 2011
Pages: 4
Lectures: 26
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You earned it.
Now enjoy it.
MassMutual RetireEaseSM
Single Premium Immediate Annuity
An Income Annuity Guide
for Individuals
Par admin
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Publiée le 30 Mai 2011
Pages: 12
Lectures: 0
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Business Strategies
An Educational Tool
for Business Owners
BusinessStagesSM
Workplan
Helping business owners manage the BIG picture
This Workplan is a valuable tool designed to help you identify the strategies that
are important to your ongoing success—throughoutevery stage of your business.
The information provided is not written...
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Business Strategies An Educational Tool for Business Owners BusinessStagesSM Workplan Helping business owners manage the BIG picture This Workplan is a valuable tool designed to help you identify the strategies that are important to your ongoing success—throughoutevery stage of your business. The information provided is not written or intended as tax or legal advice and may not be relied on for purposes of avoiding any Federal tax penalties. MassMutual, its employees and representatives are not authorized to give tax or legal advice. Individuals are encouraged to seek advice from their own tax or legal counsel.
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Publiée le 30 Mai 2011
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Lectures: 23
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A Guide for
Business Owners
Employee Retention Strategies
Be a finder
and a keeper
How to attract and retain key employees
Inside you ll discover options to help you attract and retain
the talent you value most.
Par admin
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Publiée le 30 Mai 2011
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Lectures: 2
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Needs-based Strategies
Headline 1 line (34–42 pt.
size)
Optional supporting subhead
2 lines max.
(20–24 pt.
size)
A Type of Piece
for Audience
Simplify your retirement plans
A Retirement Planning Strategy
for Business Owners
SIMPLE IRA plans for small businesses
Par admin
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Publiée le 30 Mai 2011
Pages: 8
Lectures: 16
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DI Solutions
for Business Owners
© 2010 Massachusetts Mutual Life Insurance Company, Springfield, MA.
All rights reserved.
www.
massmutual.
com.
MassMutual Financial Group is
a marketing name for Massachusetts Mutual Life Insurance Company
(MassMutual) and its affiliated companies and sales representatives.
DI10003 1010...
Plus
DI Solutions for Business Owners © 2010 Massachusetts Mutual Life Insurance Company, Springfield, MA. All rights reserved. www. massmutual. com. MassMutual Financial Group is a marketing name for Massachusetts Mutual Life Insurance Company (MassMutual) and its affiliated companies and sales representatives. DI10003 1010 CRN201209-139803 Insurance Strategies Business succession planning Using disability income insurance 1 Premiums for disability buy-sell insurance are not a deductible business expense. The benefits paid, however, are generally received income-tax-free and can be used for the business purchase. 2 This assumes that the value of the business was established on the date the owner first becomes disabled. This policy [Policy Form Bsell-00 and Bsell-00(NC) in North Carolina] is issued by Massachusetts Mutual Life Insurance Company, Springfield, MA 01111-0001. This policy has exclusions and limitations. For costs and complete details of coverage call your agent or MassMut
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Publiée le 30 Mai 2011
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Lectures: 9
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MassMutual RetireEase SelectSM
MassMutualRetireEaseSelectSM
is asinglepremiumimmediate
fixedandvariableannuitydesigned
to provideaguaranteedstreamof
incometoyou aspartofyourtotal
retirementincomeplan.
Variableannuityincomepayments
willfluctuatebasedonmarket
conditions.
Variablepayments
havethepotentialtoincreaseor...
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MassMutual RetireEase SelectSM MassMutualRetireEaseSelectSM is asinglepremiumimmediate fixedandvariableannuitydesigned to provideaguaranteedstreamof incometoyou aspartofyourtotal retirementincomeplan. Variableannuityincomepayments willfluctuatebasedonmarket conditions. Variablepayments havethepotentialtoincreaseor decreasethroughouttheannuity payoutperiod. A Product Snapshot for Individuals Guarantees are based on the claims-paying ability of the issuing company and do not apply to the investment performance or safety of amounts held in the variable investment options. Retirement Income You Can’t Outlive and Income Growth Potential • Income payments can be structured to last for life. • Variable income payments have the potential to increase with positive performance of the variable investment choices you select. Ability to Customize Your Contract • MassMutual Payment ProtectorSM – Optional feature guarantees variable income payments will never be less than a predetermined a
Moins
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Publiée le 30 Mai 2011
Pages: 4
Lectures: 0
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TTF3444_09/016
Census Data Requirements
Census Data Required with Request for Proposal
(must be in electronic format)
Name■
Identification number■
(Social security number will only be required for sold cases)
Date of Birth (Employee or Retiree)■
Gender (Employee or Retiree)■
Monthly Benefit (Employee or Retiree)■
(For active...
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TTF3444_09/016 Census Data Requirements Census Data Required with Request for Proposal (must be in electronic format) Name■ Identification number■ (Social security number will only be required for sold cases) Date of Birth (Employee or Retiree)■ Gender (Employee or Retiree)■ Monthly Benefit (Employee or Retiree)■ (For active and terminated vested deferred, we need the accrued benefit at plan termination) Actual Retirement Date (Retiree)■ Form of Annuity Payment■ (Life, Joint and Survivor, Certain and Life, Certain, MCR, Temporary, Combinations) End date for Temporary Annuities■ Status (Retired, Beneficiary Receiving Payments, Disabled Receiving Payments, Active, Terminated Vested, etc. )■ Only if applicable: Date of Birth (Joint Annuitant)■ Sex (Joint Annuitant)■ Percent Continued to Joint Annuitant or Years Certain for Certain and Life■ Additional required information for any participants with deferred benefits: Normal Retirement Date■ Hire Date■ Service for Early Retirement Eligibili
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Publiée le 30 Mai 2011
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Copyright © 2008 Massachusetts Mutual Life Insurance Company.
All rights reserved.
Term Convertibility for Tomorrow s Needs
It s difficult to predict how your life will change over time.
Likewise, it s risky to try and anticipate exactly
how much - and for how long - you may need life insurance protection.
That s why MassMutual s...
Plus
Copyright © 2008 Massachusetts Mutual Life Insurance Company. All rights reserved. Term Convertibility for Tomorrow s Needs It s difficult to predict how your life will change over time. Likewise, it s risky to try and anticipate exactly how much - and for how long - you may need life insurance protection. That s why MassMutual s convertible term life insurance products allow conversion to a permanent policy within your policy s conversion period, regardless of your medical history or condition. Converting your term policy to a permanent policy means never having to worry about outliving your insurance protection as long as you are able to make the required premium payments to keep the permanent policy in effect. More Choices Many insurance companies have convertible term insurance products, but as a company practice, MassMutual allows you to convert your term policy (other than our one-year non-convertible term) to any one of our permanent life insurance products for sale at the
Moins
Par admin
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Publiée le 30 Mai 2011
Pages: 1
Lectures: 12
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![Nursing_Home_Costs[1]](http://i3.calameoassets.com/110604051253-bd96a14427775b45cafb6ade40bc5702/p1.jpg)
![SBO%20Worksite%20Opportunities%20DI[1]](http://i1.calameoassets.com/110603201244-aa26517a8ab8831a521d7865fdfb716e/p1.jpg)
![WSJ_Resurgence_of_Whole_Life[1]](http://i2.calameoassets.com/110602200246-9b44c35fe0273dfd843f01a675f09b07/p1.jpg)
![Renting_v_Owning[1]](http://i2.calameoassets.com/110602201201-c7ef694610cb159ead702047c0ce5a07/p1.jpg)
![mmi_easyactive[1]](http://i1.calameoassets.com/110602022420-d8f9169b764740c1031e42797f9e704b/p1.jpg)
![li_policy_dividends[1]](http://i3.calameoassets.com/110602195337-9fb3438e4694763ce9059c34f5c5ecca/p1.jpg)
![form5498faq[1]](http://i2.calameoassets.com/110601032048-cb8ba7617fcf1ecad5642ced61155bdf/p1.jpg)
![1099faq[1]](http://i3.calameoassets.com/110601032812-f16e50ca10486ab7f3d5f4902ae563d1/p1.jpg)
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