bitcoin and government: Wanita

Tampilkan postingan dengan label Wanita. Tampilkan semua postingan

Senin, 24 September 2018

Cerita Pilot Batik Air yang Lepas Landas saat Gempa Palu dan Rekam Tsunami dari Balik Kokpit

insure
insurance agent
general insurance
car insurance australia
life insurance
allstate insurance
texas auto insurance
the personal insurance
insurance agents
car insurance quotes
travelers car insurance
cheap auto insurance
progressive auto insurance
cheap car insurance uk
online auto insurance
insurance quotes online
liability insurance
nj auto insurance
property insurance
auto insurance michigan
car insurance nj
home insurance
best insurance companies
best insurance
insurance quotes
term insurance
car insurance california
compare insurance
insurance
insurance auto auction
car insurance uk
cheap car insurance quotes
car insurance calculator
insurance company
car insurance companies
health insurance
motorcycle insurance
cheap insurance
car insurance quotes online
insurence
car insurance online
cheap car insurance
best car insurance
auto insurance
buy car insurance online
commercial vehicle insurance
online motor insurance quotes
car insurance quotation online
affordable car insurance
car insurance estimator
car insurance texas
buy insurance
online insurance
truck insurance
free online auto insurance quotes
car insurance qoute
car insr
one day car insurance
company auto insurance
indemnity insurance
business insurance
aaa auto insurance
auto car insurance
homeowners insurance
house insurance

TRIBUNNEWS.COM - Beredar video dan kisah seorang pilot Batik Air yang lepas landas saat terjadi gempa yang mengguncang Sulawesi Tengah pada Jumat (28/9/2018) di media sosial.

Kisah tersebut dibagikan sang pilot di akun Instagram pribadinya, @icoze_ricochet.

Tak hanya membagikan kisahnya, pilot Batik Air ini juga mengunggah video detik-detik tsunami menerjang pantai.

Melalui keterangan videonya, pilot Batik Air menjelaskan bahwa pesawat dengan nomor ID 6231 dijadwalkan akan terbang dari Bandara Mutiara, Palu pada pukul 17.55 WITA.

Namun ia sudah bersiap menerbangkannya pada pukul 17.52 WITA karena mendapatkan suatu firasat untuk berangkat lebih awal dari jadwal.

Pada pukul 18.02 WIB, pesawat sudah benar-benar lepas landas dan ia juga merasakan ada sesuatu yang tidak beres dan ternyata saat itu gempa dan tsunami Palu sedang terjadi.

"Batik Air ID 6231 scheduled to depart at 17.55, door closed at 17.52 then pushed back.

18.02 after cleared for take off, tower building collapsed.

We were just rolling on the runway.

I felt something wrong on the runway during take off roll. 18.02 earthquake 7.4-7.7 magnitude on scale rocks Palu.

Thank God there is a voice (Holy Spirit i believe) telling me to depart early.

I’m rushing the boarding process.

Late by 30 second i would not have flown.

Thank You Jesus. I took this video just after airborne on 1500ft climbing. Strange wave-Tsunami." tulisnya dalam keterangan video unggahannya.

(Batik Air ID 6231 dijadwalkan berangkat pada pukul 17.55, pintu sudah ditutup pada pukul 17.52.

18.02 setelah lepas landa, gedung menara runtuh. Kami baru saja bergulir dari landasan dan merasakan ada sesuatu yang salah di landasan saat take off.

18.02 gempa bermagnitudo 7.4-7.7 menghantam Palu. Puji Tuhan saya mendengar sebuah suara (yang saya percaya itu Roh Kudus) mengatakan kepada saya untuk lepas landas lebih awal. Saya bergegas melakukan proses boarding.

Terlambat 30 detik saja saya tidak akan bisa terbang. Terima kasih Yesus.

Saya mengabadikan video ini tepat setelah terbang di ketinggian 1500 kaki. Gelombang tsunami yang aneh)

Dilansir Tribunnews.com dari Kompas.com pada Sabtu (29/9/2018), momen dramatis ini dialami oleh Kapten Ricosetta Mafella, pilot penerbangan Batik Air ID6231.

Diketahui, pesawat Airbus A320 yang diawakinya lepas landas saat gempa bumi sedang mengguncang Palu pada Jumat (28/9/2018).

Kapten Fella menceritakna bahwa hari itu adalah hari terakhirnya terbang di Batik Air karena lusa ia sudah akan kembali ke Lion Air.

Diketahui, Batik Air dan Lion Air tergabung dalam Lion Group.

Pada saat akan lepas landas, Kapten Fella meminta quick handling, sesuatu yang tidak biasa ia minta kepada ground handling.

"Entah kenapa kayak diingetin harus buru-buru terbang," ungkapnya.

Diketahui, Batik Air ID6231 melayani rute Palu-Makassar, saat mendapatkan izin take off, pesawat mulai rolling di runway dan Kapten Fella merasakan pesawat bergerak ke kanan dan kiri, getaran terasa mendatar dan bukan vertikal.

Saat itu, Kapten Fella belum menyadari apa yang terjadi saat rolling untuk take off itu adalah gempa bumi yang sedang melanda di Bandara Mutiara, Palu.

"Tetapi karena di cockpit fokus untuk airborne phase, jadi tetap dilaksanakan karena gak mengganggu," tulisnya.

Pada awalnya, ia mengira goyangan itu disebabkan oleh permukaan runway yang bergelombang.

Setelah mengudara, awak Batik Air ID6231 pun menghubungi tower ATC sesuai prosedur yang berlaku.

Saat itu, sudah tidak ada jawaban dari tower ATC, dilakukan beberapa kali tapi tetap tidak ada jawaban.

Hal itu rupanya karena tower ATC Bandara Mutiara sudah robot akibat guncangan gempa dan masih belum disadari awak Batik Air ID6231.

Saat pesawat mencapai ketinggian antara 2000-3000 kaki dan checklist setelah takeoff selesai dilakukan, Kapten Fella melihat gelombang-gelombang aneh di pesisir pantai Palu.

"Tahu ada gempa setelah ada info di radio," tulis Kapten Fella.

Akhirnya, semua kru penerbangan diberi tahu kalau mereka adalah pesawat terakhir yang terbang dari Palu, persis saat gempa terjadi.

(Tribunnews.com/Natalia Bulan R P)

Auto insurance is an insurance policy bought by the auto owner to safe guard his/her vehicle against theft, accident and any other loss incurred. You can buy auto insurance for any of your auto mobile such as car, truck or bus...

Auto insurance not only covers insured vehicle and insured party, but some times it covers third parties also. Different auto insurance policies have different terms, norms and conditions under which, these items are covered.

Today large numbers of auto insurance policies are available in the market and it is really very difficult task to purchase the best auto insurance for the safeguard of your vehicle.

Here are some tips, which can be used to find the best auto insurance for your black boomer.

1. To locate best auto insurance, you are requested to make a search on your own. First of all go to local auto insurance providers. Compare auto insurance quotes provided by them. Most of auto insurance providers have their websites, you can go there and request for car insurance quotes online, if you own a car. Compare their quotes and find best auto insurance for your vehicle. Always remember that bargaining is the key to buy cheap auto insurance.

2. After comparing auto insurance quotes apply for the best one for you and your vehicle. While applying given them details as much as you can such as your name, address, zip code, your marital status, car’s annual commuting miles and safety features because as default they can offer you high quotes without any specific benefits. Hence, to buy a cheap and best auto insurance always give full details about you and your vehicle.

3. Sometimes insurance companies provide specific offers. Thus always look for offers, as they can deduct your premium from $200 to $400.

4. Before signing your application form read each and every point of fine printArticle Search, as they can protect your right.

With keeping these simple tips in mind you can find best auto insurance policy.

cccccccc

Surat Terbuka untuk Calon Ibu Mertua, dari Gadis yang Kelak Mendampingi Anak Lekakimu

Online auto insurance quotes facilitate us with the most excellent auto insurance option with the top companies. Auto insurance supports in case of any casualty like accidents, auto damage from wildlife, theft and vandalism. Therefore, all the states have made auto insurance very essential.

Take it as mandatory because it is a matter of security and safety of both auto and the owner. Online auto insurance quotes help to find out the best offering by the companies.

Policies contain some typical coverage that one can not go beyond but some allow adding. The policy one opts for will decide the sum one needs to pay per six months or per month. One can choose between mortar companies, online auto insurance companies. An interesting fact that one need to know that online auto insurance companies do not bear any fixed cost of a physical office or rent a commercial real state and because of this reason they offer one greater discounts comparing than the mortar companies and brick.

Gather Your Information

If one wants to use maximum number of sources to get the perfect auto insurance quotes, it is advisable to have a wide range of information. If one present one’s personal data and information like models, Vehicle Identification Numbers (VINs), the other special features of the vehicle that one want to insure, one will get more helpful quotes while some online sources do not need that. Features for instance side airbags, automatic seat belts and antilock brakes may cut down premium. Similarly, if one wishes to insure one’s all the drivers then one must have drivers’ license numbers, or at least have information of moving violations or other accidents.

Get Quotes from a Licensed Brokerage

When you're shopping for online auto insurance, it's imperative to employ a licensed brokerage if one is ready to shop for online auto insurance because broker not only facilitate one with no compulsion quotes from a number of carriers, but also helps one out buy auto insurance. Besides, one needs to give personal information to take an informed decision regarding one’s coverage. A broker may give one with the ability to make payments online, lodge an online claim and so on.

In brief, it is very easy to select one’s favourite and affordable auto insurance with the help of online auto insurance quotes providing huge information to compare and the latest auto insurance offering. To enjoy a healthy online auto insurance quotes one need to provide personal information and to employ a licensed brokerage, which will give one the best coverage that one need at the most feasible price.

cccccccc

Hanya Butuh 1 Menit, Lakukan Gerakan Mudah Ini di Rumah, Manfaatnya Bisa Mengecilkan Perut Buncit yang Menggelambir!

life cover
insure
insurance agent
general insurance
public liability insurance
sbi life insurance
life insurance
what is life insurance
reliance life insurance
life insurance policy
term life insurance
pacific life insurance
whole life insurance
state farm insurance
allstate insurance
medical insurance
best life insurance
health insurance california
life insurance corporation
health insurance texas
cheap health insurance
group health insurance
health insurance coverage
small business health insurance
business health insurance
compare health insurance
the personal insurance
travel health insurance
health insurance companies
best health insurance
insurance agents
car insurance quotes
health insurance quotes
aetna health insurance
individual health insurance
private health insurance
health insurance agent
insurance premium
landlord insurance
cheap auto insurance
best life insurance companies
online auto insurance
insurance quotes online
liability insurance
life insurance australia
income protection insurance
property insurance
product liability insurance
mortgage insurance
healthcare insurance
cigna health insurance
home insurance
best insurance
insurance quotes
term insurance
compare insurance
insurance
american insurance
car insurance uk
dental insurance

Are you considering or being pressured to buy life insurance? Join the crowd. Life insurance is one of the most ubiquitous financial products to ever be sold. While life insurance can be a valuable tool in any financial plan, knowing if you even need it -- along with the right amount and type to buy -- can be challenging. There are questions such as: How do I know if I need life insurance? If so, how much life insurance do I need? What type of policy should I buy? How do I know if I am getting the best value and price for the life insurance I buy?

Purchasing life insurance is often tedious, intimidating and complicated, but it does not have to be that way. The insurance companies may offer multiple confusing policies and throw around a lot of jargon that sounds like a foreign language, but in reality, the concepts are simple. Once you understand the true basics of life insurance, your decision can be straightforward and result in the best buy for you.

What you should know about life insurance:

The purpose of life insurance (and, really, its only value) is to offset the economic cost of dying. If you have a spouse or young children who would be faced with financial hardship in the event of your death, life insurance proceeds can solve that problem. If you are a key person or partner in a business, life insurance can help to stabilize the business in the event of your death.

If insurance companies try to convince you that a life insurance policy is anything other than a way to replace your income or long-term economic value to a family or business in the event of your death, they are doing so for their benefit, not yours. Life insurance is not an investment -- it is not a way to make money or an effective tax hedge.

There is an uncomplicated way to decide if you even need life insurance. Ask yourself: If I die, will anyone I care about suffer an economic adversity that I want to prevent? If the answer is no, then you don’t need life insurance. If, however, you want to protect others from the potential economic cost of your death, the right type of life insurance is the best way to accomplish that objective.
If you need life insurance, what type should you buy?

Life insurance companies have more confusing policy options than a Chinese restaurant. But when it comes down to it, all insurance companies pine to sell you some form of what they call “whole life” or “permanent insurance.” (Both are subtle marketing terms used to suggest you should buy and keep paying premiums on the policy for your whole life.) This type of policy has been the backbone, best selling and most profitable product of the life insurance industry for years. So-called “whole life” may have been a reasonable option in the 20th century when the consumer had few other financial options, but that is not the case today.

The supposed benefit for the buyer of whole life is that premiums will never rise and, over time, a certain amount of “cash value” will accumulate in the policy. The truth is that whole life is more like an annuity for insurance companies than a benefit for policyholders. What makes the product so profitable for the insurance company is that, when the insured is young (and least likely to die), the premium charged is hundreds of times higher than the actual cost to provide the promised death benefit. The insurance company invests the excess premium and keeps the profits for itself. Insurance companies know that, by the time the insured ages and is more likely to die, over 97% of the policies will have been canceled with no death benefit paid. That is a good deal, if you are an insurance company but not so good for someone who pays inflated premiums for years and turns out not to need the insurance.

If you do need life insurance, the best way to meet that need is to buy it on a temporary basis for a specific term. For example, your children are not going to be young forever, so why buy life insurance that will last forever? The fact is that your needs will change over time, so you should own insurance that could change as well.

Thus, the most efficient approach to buying life insurance is on a temporary (term) basis. These could be for periods of 5 or 10 years each. These policies only pay a death benefit, but they are significantly less expensive. The policies can be guaranteed to be renewed (no matter how your health may change) at the end of each period (with slightly increased premiums) until you are well into your 80s. This approach -- at less cost -- allows you to review your life insurance needs at the end of each period and decide if you still need the same amount of coverage.

How To Buy Life Insurance (If You Need It)

Life insurance has become much like a commodity, so you should buy it like a commodity. That is, all policies offered by all companies -- especially the renewable, temporary type -- are essentially identical, so it is best to shop around, compare premiums and buy the cheapest one.

That does not mean you have to take the time to talk with 5 or 10 different companies in order to shop. There any number of websites that have relationships with numerous companies, and these sites can provide a spreadsheet of multiple companies offering totally identical policies. This will allow you to easily compare premiums -- which, surprisingly, will be different. It’s a little like shopping online for the cheapest ticket offered by airlines all going to the same place.

In the end, life insurance can be a simple and survivable process. The key is to make sure that you are in charge -- not the insurance company.

cccccccc

Selingkuhan Telepon Suami, "Ketauan" Sama Istri! Siapa Sangka "Ini" Cara Sang Istri Mempermalukan Mereka!

Life insurance is one of the most important components of any individual's financial plan. However there is lot of misunderstanding about life insurance, mainly due to the way life insurance products have been sold over the years in India. We have discussed some common mistakes insurance buyers should avoid when buying insurance policies.

1. Underestimating insurance requirement: Many life insurance buyers choose their insurance covers or sum assured, based on the plans their agents want to sell and how much premium they can afford. This a wrong approach. Your insurance requirement is a function of your financial situation, and has nothing do with what products are available. Many insurance buyers use thumb rules like 10 times annual income for cover. Some financial advisers say that a cover of 10 times your annual income is adequate because it gives your family 10 years worth of income, when you are gone. But this is not always correct. Suppose, you have 20 year mortgage or home loan. How will your family pay the EMIs after 10 years, when most of the loan is still outstanding? Suppose you have very young children. Your family will run out of income, when your children need it the most, e.g. for their higher education. Insurance buyers need to consider several factors in deciding how much insurance cover is adequate for them.

· Repayment of the entire outstanding debt (e.g. home loan, car loan etc.) of the policy holder

· After debt repayment, the cover or sum assured should have surplus funds to generate enough monthly income to cover all the living expenses of the dependents of the policy holder, factoring in inflation

· After debt repayment and generating monthly income, the sum assured should also be adequate to meet future obligations of the policy holder, like children's education, marriage etc.

2. Choosing the cheapest policy: Many insurance buyers like to buy policies that are cheaper. This is another serious mistake. A cheap policy is no good, if the insurance company for some reason or another cannot fulfil the claim in the event of an untimely death. Even if the insurer fulfils the claim, if it takes a very long time to fulfil the claim it is certainly not a desirable situation for family of the insured to be in. You should look at metrics like Claims Settlement Ratio and Duration wise settlement of death claims of different life insurance companies, to select an insurer, that will honour its obligation in fulfilling your claim in a timely manner, should such an unfortunate situation arise. Data on these metrics for all the insurance companies in India is available in the IRDA annual report (on the IRDA website). You should also check claim settlement reviews online and only then choose a company that has a good track record of settling claims.

3. Treating life insurance as an investment and buying the wrong plan: The common misconception about life insurance is that, it is also as a good investment or retirement planning solution. This misconception is largely due to some insurance agents who like to sell expensive policies to earn high commissions. If you compare returns from life insurance to other investment options, it simply does not make sense as an investment. If you are a young investor with a long time horizon, equity is the best wealth creation instrument. Over a 20 year time horizon, investment in equity funds through SIP will result in a corpus that is at least three or four times the maturity amount of life insurance plan with a 20 year term, with the same investment. Life insurance should always been seen as protection for your family, in the event of an untimely death. Investment should be a completely separate consideration. Even though insurance companies sell Unit Linked Insurance Plans (ULIPs) as attractive investment products, for your own evaluation you should separate the insurance component and investment component and pay careful attention to what portion of your premium actually gets allocated to investments. In the early years of a ULIP policy, only a small amount goes to buying units.

A good financial planner will always advise you to buy term insurance plan. A term plan is the purest form of insurance and is a straightforward protection policy. The premium of term insurance plans is much less than other types of insurance plans, and it leaves the policy holders with a much larger investible surplus that they can invest in investment products like mutual funds that give much higher returns in the long term, compared to endowment or money back plans. If you are a term insurance policy holder, under some specific situations, you may opt for other types of insurance (e.g. ULIP, endowment or money back plans), in addition to your term policy, for your specific financial needs.

4. Buying insurance for the purpose of tax planning: For many years agents have inveigled their clients into buying insurance plans to save tax under Section 80C of the Income Tax Act. Investors should realize that insurance is probably the worst tax saving investment. Return from insurance plans is in the range of 5 - 6%, whereas Public Provident Fund, another 80C investment, gives close to 9% risk free and tax free returns. Equity Linked Saving Schemes, another 80C investment, gives much higher tax free returns over the long term. Further, returns from insurance plans may not be entirely tax free. If the premiums exceed 20% of sum assured, then to that extent the maturity proceeds are taxable. As discussed earlier, the most important thing to note about life insurance is that objective is to provide life cover, not to generate the best investment return.

5. Surrendering life insurance policy or withdrawing from it before maturity: This is a serious mistake and compromises the financial security of your family in the event of an unfortunate incident. Life Insurance should not be touched until the unfortunate death of the insured occurs. Some policy holders surrender their policy to meet an urgent financial need, with the hope of buying a new policy when their financial situation improves. Such policy holders need to remember two things. First, mortality is not in anyone's control. That is why we buy life insurance in the first place. Second, life insurance gets very expensive as the insurance buyer gets older. Your financial plan should provide for contingency funds to meet any unexpected urgent expense or provide liquidity for a period of time in the event of a financial distress.

6. Insurance is a one-time exercise: I am reminded of an old motorcycle advertisement on television, which had the punch line, "Fill it, shut it, forget it". Some insurance buyers have the same philosophy towards life insurance. Once they buy adequate cover in a good life insurance plan from a reputed company, they assume that their life insurance needs are taken care of forever. This is a mistake. Financial situation of insurance buyers change with time. Compare your current income with your income ten years back. Hasn't your income grown several times? Your lifestyle would also have improved significantly. If you bought a life insurance plan ten years ago based on your income back then, the sum assured will not be enough to meet your family's current lifestyle and needs, in the unfortunate event of your untimely death. Therefore you should buy an additional term plan to cover that risk. Life Insurance needs have to be re-evaluated at a regular frequency and any additional sum assured if required, should be bought.

Conclusion

Investors should avoid these common mistakes when buying insurance policies. Life insurance is one of the most important components of any individual's financial plan. Therefore, thoughtful consideration must be devoted to life insurance. Insurance buyers should exercise prudence against questionable selling practised in the life insurance industry. It is always beneficial to engage a financial planner who looks at your entire portfolio of investments and insurance on a holistic basis, so that you can take the best decision with regards to both life insurance and investments.

cccccccc

Suami Ini Membentak Sang Istri Karena Tak Becus Urus Pekerjaan Rumah, Namun “Sebuah Kalimat” Membuat Ia Merasa Tertampar dan Merasa Bersalah!

A lot of people have been approached about using life insurance as an investment tool. Do you believe that life insurance is an asset or a liability? I will discuss life insurance which I think is one of the best ways to protect your family. Do you buy term insurance or permanent insurance is the main question that people should consider?

Many people choose term insurance because it is the cheapest and provides the most coverage for a stated period of time such as 5, 10, 15, 20 or 30 years. People are living longer so term insurance may not always be the best investment for everyone. If a person selects the 30 year term option they have the longest period of coverage but that would not be the best for a person in their 20's because if a 25 year old selects the 30 year term policy then at age 55 the term would end. When the person who is 55 years old and is still in great health but still needs life insurance the cost of insurance for a 55 year old can get extremely expensive. Do you buy term and invest the difference? If you are a disciplined investor this could work for you but is it the best way to pass assets to your heirs tax free? If a person dies during the 30 year term period then the beneficiaries would get the face amount tax free. If your investments other than life insurance are passed to beneficiaries, in most cases, the investments will not pass tax free to the beneficiaries. Term insurance is considered temporary insurance and can be beneficial when a person is starting out life. Many term policies have a conversion to a permanent policy if the insured feels the need in the near future,

The next type of policy is whole life insurance. As the policy states it is good for your whole life usually until age 100. This type of policy is being phased out of many life insurance companies. The whole life insurance policy is called permanent life insurance because as long as the premiums are paid the insured will have life insurance until age 100. These policies are the highest priced life insurance policies but they have a guaranteed cash values. When the whole life policy accumulates over time it builds cash value that can be borrowed by the owner. The whole life policy can have substantial cash value after a period of 15 to 20 years and many investors have taken notice of this. After a period of time, (20 years usually), the life whole insurance policy can become paid up which means you now have insurance and don't have to pay anymore and the cash value continues to build. This is a unique part of the whole life policy that other types of insurance cannot be designed to perform. Life insurance should not be sold because of the cash value accumulation but in periods of extreme monetary needs you don't need to borrow from a third party because you can borrow from your life insurance policy in case of an emergency.

In the late 80's and 90's insurance companies sold products called universal life insurance policies which were supposed to provide life insurance for your whole life. The reality is that these types of insurance policies were poorly designed and many lapsed because as interest rates lowered the policies didn't perform well and clients were forced to send additional premiums or the policy lapsed. The universal life policies were a hybrid of term insurance and whole life insurance policies. Some of those policies were tied to the stock market and were called variable universal life insurance policies. My thoughts are variable policies should only be purchased by investors who have a high risk tolerance. When the stock market goes down the policy owner can lose big and be forced to send in additional premiums to cover the losses or your policy would lapse or terminate.

The design of the universal life policy has had a major change for the better in the current years. Universal life policies are permanent policy which range in ages as high as age 120. Many life insurance providers now sell mainly term and universal life policies. Universal life policies now have a target premium which has a guarantee as long as the premiums are paid the policy will not lapse. The newest form of universal life insurance is the indexed universal life policy which has performance tied to the S&P Index, Russell Index and the Dow Jones. In a down market you usually have no gain but you have no losses to the policy either. If the market is up you can have a gain but it is limited. If the index market takes a 30% loss then you have what we call the floor which is 0 which means you have no loss but there is no gain. Some insurers will still give as much as 3% gain added to you policy even in a down market. If the market goes up 30% then you can share in the gain but you are capped so you may only get 6% of the gain and this will depend on the cap rate and the participation rate. The cap rate helps the insurer because they are taking a risk that if the market goes down the insured will not suffer and if the market goes up the insured can share in a percentage of the gains. Indexed universal life policies also have cash values which can be borrowed. The best way to look at the difference in cash values is to have your insurance agent show you illustrations so you can see what fits you investment profile. The index universal life policy has a design which is beneficial to the consumer and the insurer and can be a viable tool in your total investments.

Tom Rawls Jr. CLU, CHFC, RHU, REBC, CASL, CAP is an insurance advisor with over 24 years of experience, who takes the time to understand his clients unique desires and goals. The Whole Life Advisor Insurance Brokerage Team specializes in Life, Disability, Long Term Care, and Annuities

cccccccc