text:
Revlon ColorStay Liquid Liner
800 reviews
73% would repurchase
Package Quality: 3.9
Price: $$
Package Quality: 3.9
Price: $$
INGREDIENTSIngredients: Water, Propylene Glycol, Triethanolamine, Aloe Barbadensis Leaf Extract. Tocopheryl Acetate. Magnesium Aluminum Silicate, Oleyl Alcohol, TEA-Stearate, Acrylates/C10-30 Alkyl Acrylate Crosspolymer, Cellulose, Hectorite, Glyceryl Stearate. Xanthan Gum, Isopropylparaben, Butylparaben, Isobutylparaben. May contian : Ultramarines, Iron Oxides, Titnaium Dioxide, Ferric Ferrocyanide, Mica, Chromium Oxide Greens, Bismuth Oxychloride, CArmine, Chromium Hydroxide Green, Manganese Violet.
on 8/16/2014 9:42:00 PM
Age: 19-24
Skin: Very Oily, Fair-Medium, Not Sure
Hair: Red, Wavy, Coarse
Eyes: Blue
I hate to be the naysayer but I just could not stand this eyeliner. I've used different liquid liners for the past 6 years and this just might be the worst. I got it in black and no matter how much I would let it dry then layer it on, it just was not dark enough. It seemed like the formula maybe wasn't thick enough compared to others that I've used. Worst of all, it faded SO quick. Yes, I do have quite oily eyelids but with or without a primer it was fading within an hour. It was easy to use, the brush is user friendly, the packaging was fine, but overall I am not a fan.
on 8/10/2014 4:29:00 AM
Age: 18 & Under
Skin: Acne-prone, Medium, Warm
Hair: Brunette, Curly, Medium
Eyes: Brown
I love love love this eyeliner! It's great for doing a cat eye, or just a simple line. I personally find that eyeliner makes a big difference it your "looking-awake-ness", and if you're in a rush, this eyeliner is great. The colour is very matte and I'd recommend this liquid liner for people who do thick eyeliner, rather than thin, just because the applicator is kinda thick. I've been using it for the past two years, and I will definitely continue!
on 7/31/2014 6:58:00 AM
Age: 18 & Under
Skin: Oily, Medium Brown, Not Sure
Hair: Black, Other, Other
Eyes: Brown
Standard well performing liquid eyeliner. I must note that it is hard to find this liner in Black everytime I try to repurchase!! During use: was longwearing, great pigment, easy to use felt tip applicator and it didn't even sting when I accidentally got it in my eye! Definitely recommended if you are in need of liquid eyeliner!
on 7/25/2014 1:39:00 PM
Age: 25-29
Skin: Combination, Fair-Medium, Not Sure
Hair: Brunette, Other, Other
Eyes: Brown
Love this eyeliner. Gives a great cat-eye and is pigmented nicely. I think the only thing to care about is the staying power, pigment and application - these do all of them exceptionally well. If I really need extra staying power, I use Urban Decay's eyeshadow primer underneath.
on 7/9/2014 3:53:00 AM
Age: 36-43
Skin: Normal, Medium, Not Sure
Hair: Brunette, Relaxed, Medium
Eyes: Brown
Definitely my all time best go-to liquid liner. A friend of mine had this liner on during a girl's night out & in the early morning hours I noticed her liner had not budged at all, and the intensity was the same as when the night started. I had to ask what she was wearing...especially since I had been searching for a liner to do exactly what I witnessed. I was delightfully surprised when she said it was Revlon ColorStay Liquid Liner. This was several years ago and I have been faithful to this liner ever since. I purchase all the colors when I come across these at stores. Being that I love this liner, I can't say that I have done a lot of comparisons because I don't have to...I found THE ONE. The price is great, and the wearability is superb. My search is over!
on 6/20/2014 6:13:00 AM
Age: 30-35
Skin: Sensitive, Fair, Warm
Hair: Brown, Wavy, Fine
Eyes: Black
I love this liner... Great one....
on 6/20/2014 5:12:00 AM
Age: 19-24
Skin: Combination, Fair-Medium, Not Sure
Hair: Brunette, Other, Other
Eyes: Brown
This used to be my go-to eyeliner a few years ago, but recently I've found it just falling short. At first it's really easy super to apply, and the felt tip is nice and sharp for my favorite winged eyeliner look, but the tip gets frayed and messy not even half way through the bottle! It requires way too many coats for it to be opaque and it's very runny, and it dries a little bit flaky but doesn't actually flake off. Kind of just looks chunky I guess? God forbid your eyes water though, because it will end up in huge smears under your eyes even if you don't touch it. I don't know if maybe they changed the formula, but this eyeliner is just not what it used to be. Sad to say I have to move on and find the next best thing. I will never buy this eyeliner again :'(
on 6/9/2014 11:54:00 PM
Age: 19-24
Skin: Combination, Fair-Medium, Neutral
Hair: Brown, Other, Other
Eyes: Green
I first bought this to replace the e.l.f. liner I was using that unfortunately made my lashes fall out. I wanted something cheap with a felt tip applicator and this seemed to fit. I kinda liked it and repurchased a couple times. But after using for six months I have moved on. The formula is awful. It is a dark black but also thin and watery and dries very glossy. I like a solid line so I would have to go over it several times but it would flake off so I had to remove and start again. Lasts a fair amount of time if you don't touch your eyes at all or have eyes that water often. The price was good when I started buying it ($4.99 at Target/Walmart) but I noticed it went up to almost $6 which I would never pay for such a poor product. The only thing I like about this is the felt tip, but it does fall apart after a while.
on 5/26/2014 12:37:00 PM
Age: 19-24
Skin: Combination, Fair, Cool
Hair: Red, Wavy, Fine
Eyes: Green
This eyeliner used to be okay a few years ago. But it's even worse now than it was then. It's not even true black, it has this weird greyish color to it. It also says color stay, except that it's not. This stuff smudges all over the place. It would end up smudging on my eyelids and made me look like a raccoon. No thank you! I've recently discovered the Blinc Eyeliner Pens, they're pricey but definitely worth the money. Perfect eyeliner every time! I'll stick to my new discovery!
on 5/25/2014 7:46:00 PM
Age: 18 & Under
Skin: Normal, Fair-Medium, Not Sure
Hair: Blond, Other, Other
Eyes: Blue
not very runny. very easy to use. But if you don't like vey back eyeliner then it might not be the product for you.
Popular Eyeliners
614 Reviews
339 Reviews
2175 Reviews
338 Reviews


text:
Alexander Sherman
Position: QB
Height: 5-11 Weight: 170 lbs.
Throws: Left
Born: February 10, 1923 in Brooklyn, NY
Died: January 3, 2015 in Manhattan, NY
High School: Boys
College: Brooklyn
Draft: Undrafted
Weighted Career AV (100-95-...): 0 (14739th overall since 1950)
Sponsor this page for $5 and help Pro-Football-Reference.com provide this service. Your message will replace this ad.

subset: commoncrawl


text:
Tags: nasty, nympho, chick, face, covered, man, juice, porn stars
Pornstars: Mackenzie Wilson
Submited: 6 years old
Views: 2342
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Nasty nympho chick gets her face covered in man juice


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Many Americans believe that the crisis of children at the US Border should be handled by quickly deporting at least a substantial portion of the children. However, a high percentage of the children detained will apply for Asylum, and an Application for Asylum usually makes it very difficult to quickly deport anyone under US Immigration Law.
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I've used Blinc Mascara for a long time because it's so easy and non-messy to remove. If you smudge it when applying just give it a few minutes to dry then you can remove the mistakes with a cottonbud with no smearing or dark circles! I would recommend this product to friends.
I have used this product for years. It's the only mascara that I can use as I have quite oill skin and end up with panda eyes with other products, not with Blinc!
Great mascara
The best mascara ever! Only comes off when you take ti off, no smudging, flaking. Brilliant.
This is a repeat order and I will continue to use the product
The packaging is greatly improved from my previous purchase. Much less of it to dispose of & more can be recycled.
Love this product. I have no problem with watery, sore eyes, even better I have no 'panda eye effect', many hours after first putting it on. I've tried many other products and have had allergic reactions to them...not with this product!
As above
didnt like it brush too thick wished i had stuck to the normal one !!!!!
I always buy the regular blinc mascara and thought I would try the amplified mascara for a change. I honestly get longer and fuller lashes with the original than I have done with the amplified.
Not quite as 'amplifying' as I had hoped compared to standard Blinc mascara
Ratings Guide Read about our product rating system


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In This Section
Journal Forum
Synthetic Reverberator - January 1960
1 comment
Multichannel Sound Reproduction Quality Improves with Angular Separation of Direct and Reflected Sounds - June 2015
1 comment
Clean Audio for TV broadcast: An Object-Based Approach for Hearing-Impaired Viewers - April 2015
2 comments
AES E-Library
The Equidome, a Personal Spatial Reproduction Array
Research into spatial sound requires the use of a speaker array capable of reproducing sounds around and above a listening position. Different arrays have been developed which are often limited in their accuracy due to room size, the number of speakers employed and their positions. They are also expensive to develop which restricts access for many researchers. A unique array, The Equidome, has been developed with speakers around and above the listening position and it uses audio software capable of locating a sound anywhere over the array, and moving a sound throughout the array. The Equidome is a personal research facility capable of 3D spatial composition with mono, stereo, multichannel or ambisonic source files and reverberation software is also utilized to create immersive soundfields throughout the array.
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We didn't have a stopwatch at the ready during Konami's unveil of gameplay footage from the controversial war game, Six Days in Fallujah, but it definitely seemed to go by fast. The video, shown during a very high-concept presentation at the publisher's 2009 Gamer's Night, primarily focused on two things: environmental destruction and squad AI.
Atomic Games, developer of the title, seemed very proud of the fact that its game engine allows for buildings to be destroyed down to the individual brick level. While that aspect of the game looked decently realistic, we couldn't help but look confused when the player character magically regained health and US troops seemed to be able to take several more bullets than their adversaries before clocking out. We expected a little more realism from a game being touted as a realistic depiction of a very real battle.
One aspect that did come across was the game's civilian factor. At one point, an unarmed Iraqi throws up his empty hands and the squad stands down -- only to come under fire from an insurgent who's jumped out behind the friendly. Truth be told, the footage did little to convey anything truly unique about a game that's getting a fair amount of attention based on subject matter alone. We sat down with Atomic Games following the demonstration to get its thoughts on the reception and what it hopes to accomplish. Check out our interview with the game's creators:
Microsoft Xbox 360
Buy from $210
- Key specs
- Reviews • 365
- Prices
- Discussions
- Game format Optical disc, Downloadable
- Online features Multiplayer, Voice chat, Video chat, Store
- Drive capacity 4 GB
- Controller type Wired, Wireless
- Motion controls Camera / optical
- Video outputs Component, HDMI (v1.4)
- Weight 10.9 lb
- Released 2010-08-03
Sony PlayStation 3 (late 2012)
Microsoft Xbox One


text:
NEW YORK (AP) — A Staten Island ferry slammed into a pier as it was docking yesterday, killing at least 10 persons, tearing off victims' limbs and sending passengers into the water, officials said.
The ferry pilot, responsible for docking the vessel, fled the scene immediately after the crash, went to his Staten Island home and attempted suicide by slitting his wrists and shooting himself with a pellet gun, a police official told the Associated Press on the condition of anonymity.
The pilot was rushed to the same hospital as many of the victims and underwent surgery.
After interviewing another crew member, authorities began investigating whether the pilot was asleep at the wheel as the boat approached land, a law-enforcement source told AP.
The 310-foot ferry, carrying about 1,500 passengers, plowed into the enormous wooden pilings on the Staten Island end of its run from Manhattan, reducing the front of the mighty boat to a mass of shattered planks, broken glass and twisted steel.
"There was a lady without legs, right in the middle of the boat," said ferry passenger Frank Corchado, 29. "She was screaming. You ever see anything like that?"
Mr. Corchado said it felt as if the ferry accelerated as it approached land, waking him as he napped on the trip home to Staten Island. He ran away from the front of the boat to safety, but saw six others who weren't as lucky, including one who had been decapitated.
At least 10 persons were killed and 34 injured, said Mayor Michael R. Bloomberg, making it New York's worst mass-transit accident in nearly a century. Some bodies were accidentally counted twice, leading to an initial report by city officials that 14 persons were dead.
Firefighters picked their way through the debris aboard the ship, the Andrew J. Barberi, in a search of victims, and Coast Guard divers searched the water. At least one body was recovered from the water.
The crash happened on a windswept afternoon, with gusts of more than 40 mph and the water in New York Harbor choppy.
The cause of the crash was not immediately known, though Mr. Bloomberg suggested the heavy wind as a possibility. The National Transportation Safety Board convened an accident-investigation team that will look at the weather among other suspected factors.
"It's a terrible tragedy, people who were on the way home, all of a sudden, taken from us," the mayor said at a dockside news conference.
The ferry's crew will be interviewed and tested for drugs and alcohol, Mr. Bloomberg said.
Commuters were trapped in piles of debris aboard the 22-year-old ferry, and victims screamed and dove for cover as metal crunched into wood just before the start of the evening rush hour, tearing girders, splintering planks and ripping a huge hole in the side of the vessel.


text:
How do you know if you should stay home full-time? A reader wrote in with this question, one that I thought could benefit from a range of perspectives and answers. I'd love to hear your advice for this young mom on how you decided to become a stay at home mom or why not. I […]Continue Reading »
End of Summer: How Moms Feel at Back-to-School
The end of summer approaches. We moms can feel a mix of emotions. JessieLeigh unpacks the bittersweet back-to-school feelings. Notebooks– 4 for $1! Glue Sticks… only 10 cents! Free backpack with $20 back-to-school purchase! If we hadn't already known it, the fliers are quick to remind us– back-to-school is just over the horizon. End of […]Continue Reading »
30-Minute Meals – Get the Meal Plan!
A good meal plan can help you save time as well as money. I've got a great one for you to try! Get this month's meal plan of 30-minute meals.Continue Reading »
Planning a New Homeschool Year
The new school year is just a round the corner. Now's the time to plan for your homeschool and get a little organized, if you aren't already.Continue Reading »
Summer Lunch Ideas for Kids
Need inspiration for summer lunches? Check out these easy recipes and ideas to make lunchtimes delicious, nutritious, and easy!Continue Reading »
The Print & Go Planner
Get organized and get going with this new printable planner, The Print & Go Planner.Continue Reading »
The Weekly Ramble
The weekly ramble: where I blog like it's 2004. Here's a catch-up on my wild and crazy summer!Continue Reading »
How Moms Do: School
How do moms do school? Here are a few ways moms decided on a style of education for their families.Continue Reading »


text:
12805Gibbs, Crockett, Fox families
Expand Messages
- Jun 2, 2009Hello!
I am working on the gibbs family, comming from England, Joseph Gibbs is the father of C. F. Gibbs born in ky. he had a son C. F. Gibbs, born in Ill. He had a son William (Abram) B. Gibbs who was my great gr. father. I cant find any info on the Joseph. Can any of you help? Thanks!


text:
Can you use the Fn buttons?
- Asked by Chad N from Helotes
- Flag as inappropriate (Can you use the Fn buttons?)
2 Answers from the Community
Yes, the Fn button is on the bottom left. You can also reverse the function of Fn from configuration.
- Answered by John T from Frankfort
- Flag as inappropriate Answer 1
This keyboard behaves the same as the macbook keyboards, i.e. yes, you can use the Fn keys
- Answered by Cornelis V from Wooburn Green
- Flag as inappropriate Answer 2
Related Questions
what is the fn key for?
- Asked by Art B from Orlando
- Dec 16, 2009
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on and off buttons
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- Sep 6, 2010
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what does the buttons mean?
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Answer now (what does the buttons mean?)
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text:
Elizabeth Taylor: A Tribute Movie Reviews
Elizabeth Taylor: A Tribute
Release Date: Nov 30, -0001
Genre: Documentary
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StartUpHire is the place to find Technology Alliance Manager jobs. Review the list of Technology Alliance Manager career opportunities to the left. These Technology Alliance Manager jobs represent some of the most rewarding careers available.
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EPAM, recently named a #1 tech company in the US by Forbes, is currently seeking an Alliance Manager for a full-time opportunity to join our team of professionals. Within our organization, you will collaborate closely with sales, marketing, and solutions teams to continue to9/15/2015 Philadelphia, PA Save This Job
Alliance Manager â San Francisco/ New York/ Atlanta MuleSoft is an explosive-growth, well-funded, early stage company on a mission to fix the $500B integration problem. We connect the worldâs data, applications and devices and our goal is to build a great company9/6/2015 San Francisco, CA Save This Job
The SailPoint Global Alliance Leader is responsible for creating, enabling, maintaining, expanding, and driving revenue growth with the most strategic SI?s and Advisory Firms. Success in this role will drive the need to build and lead an Alliances team. Manage and drive license9/8/2015 Austin, TX Save This Job
Venafi is a rapidly growing cyber security organization, and the leader in managing, securing and protecting the cryptographic keys and digital certificates that every organization depends on to improve security, increase operational efficiency and achieve better compliance. Due8/23/2015 Salt Lake City, UT Save This Job
Zendesk is a customer service platform. It's designed to help bring organizations and their customers closer together. Over 200 million customers communicate with 50,000 companies that use Zendesk to make customer conversations easy and more productive. Companies benefit from9/6/2015 San Francisco, CA Save This Job
San Francisco Marketing Full-time Apply for this Job At Databricks we are focused on making big data simple. We are currently looking for outstanding marketing talent to join our growing team in San Francisco, CA. As a Product Marketer at Databricks, you will drive marketing,8/31/2015 San Francisco, CA Save This Job
epartment Automotive Reports to Director of Product Management Job Overview UIEvolution?s Automotive team is passionate about creating software that is so well designed and intuitive that using it disappears into your drive. Imagine a world where10/5/2015 Kirkland, WA Save This Job
Redwood City, CA We are Sumo Logic and we are building the Next Generation Log Management and Analytics solution --- delivered as a cloud-based service. Sumo Logic enables IT operations teams to perform rapid root cause analysis of critical IT infrastructure; DevOps teams to8/31/2015 Redwood City, CA Save This Job
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Senior Partner Marketing Managerâ San FranciscoMuleSoft is looking for a senior partner marketer to join our rapidly growing team. Within MuleSoft, youâll provide a provocative point of view for how to create and implement a multi-tier partner marketing model. This will9/7/2015 San Francisco, CA Save This Job
Summary Reporting to the Administrative Manager, the Administrative Assistant will coordinate and facilitate daily office management, charity and corporate events, corporate communications, Executive team scheduling, and miscellaneous facilities9/10/2015 Salt Lake City, UT Save This Job
Summary Reporting to the Director of Corporate Marketing, the Creative Director (CD) will be the ambassador of the company's brand throughout every touch point. The CD is a conceptual thinker with a keen business sense, who formulates the innovative concepts that support our9/10/2015 Salt Lake City, UT Save This Job


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Going anywhere sans makeup is brave, as the college junior who recently committed to ditching cosmetics for a year can attest. But taking a snapshot of your face au natural and broadcasting it to the world? Very ballsy—and beautiful. Here are 12 famous ladies who've bared all on Instagram.
1 / 13
1 / 13
Copyright © 2015 Rodale Inc.


text:
Of Mice & Men Trooper Of Death Men's Black T-Shirt
Official Band Merch
(approx. $27.11 or €24.56)
- Out of Stock - Product Discontinued
- Product Type: Mens T-shirt
- Product Code: 52723
This blood chilling design from Of Mice & Men shows an un-dead paratrooper as he fires his weapon at the ravaging rats as they bound towards him. With shells falling to the floor as the troopers parachute dangles from the trees, this creepy design is sure to liven up your wardrobe. Officially licensed and made from 100% cotton.


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Arsene Wenger hit out at the competition and said that he did not want any of his players to be playing.
"If you look at the organisation of the whole summer, it makes life impossible for the club and for the players, especially. I don't know what people think when they organise these competitions," he said.
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Who of Europe's top strikers will move to England this summer?
After a dreadful start to their Bundesliga campaign, Borussia Dortmund appear to have weathered the storm after going five matches without defeat.


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Part-Time MBA Tuition
A Carlson MBA provides academic grounding, hands-on experience, and global connections that can translate into new opportunities and long-term career growth. Graduation credit requirements range between 48 and 57 credits.
*Non-residents taking more than 11 credits per semester pay $1,858/credit for each additional credit.
|Per Course
|$2,604 for a 2-credit course
$3,906 for a 3-credit course
$5,208 for a 4-credit course
|These figures do not reflect student fees, books, course materials, or other incidental costs such as parking. Rates are subject to yearly increases.
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|$290 (8 credits or less)
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A $200 deposit, due upon admission, is applied toward tuition.
Books and Course Materials
The estimated cost of books and course materials is approximately $200/class.


text:
Dr. Joseph A. Horstman graduated from the Baylor College of Medicine in 2004. He works in Ardmore, OK and 2 other locations and specializes in Interventional Cardiology. Dr. Horstman is affiliated with Deaconess Hospital, Mercy Hospital El Reno and Oklahoma Heart Hospital.
Interventional Cardiology
Medical School: Baylor College of Medicine; Graduated 2004
*This physician has multiple office locations. See Office Information for details.
731 12th Ave NW Ste 305
Ardmore, OK 73401
1146 N Hills Shopping Ctr
Ada, OK 74820
3537 I-35E Frontage Rd Ste 305
Denton, TX 76210
5012 S US Highway 75 Ste 100
Denison, TX 75020
5012 S US Highway 75 Ste 100
Denison, TX 75020


text:
What Are You Eating/Drinking (Any Time)?
View Single Post
March 6 2011, 06:39 AM
John O.
Rear Admiral
Location: the bush
Re: What Are You Eating/Drinking Right Now?
teacake wrote:
2 Quesadillas with habanero sauce
Diet coke
OMG my entire days food is on this page!
No shit I was starting to wonder if your entire week comprised of mexican
Still, I was going to say, your quesadilla with habanero outstrips what I would've answered on this earlier tonight:
Jack Daniels Single Barrel Whiskey-Battered Caribbean Jerk Flounder ( I made it )
And it SUCKED! Turns out I hate flounder. I'll have to try it with tilapia and regular (not whole wheat flour)... and NOT a $60 bottle of whiskey.
Why can't you just say it?
T'Pol: I
want you to come back.
Trip n' T'Pol
are Alive and Well at
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See 'Detours and Delays' in the Navigation Pane to stay up to date with Campus Transit routes!
Effective immediately, the bus stop at Four Towers (on the Visitor's Center side of the street) is closed due to safety concerns. All buses will now stop at the Ramsey Center stop (the bus bay on the Ramsey side of the street). This change affects Orbit, East Campus Express, Night Family Housing, and Night East-West routes. Please use caution when crossing the street to the new bus stop.
The following changes to the Riverbend/South Milledge route are effective June 4, 2015 due to vehicle upgrades.
Transit information, along with dining, parking, athletic and much, much more, is available on the UGA mobile app for Apple and Android devices. More information and links to the apps, are at UGA's mobile app website: http://eits.uga.edu/web_and_applications/mobileapps/
Download the RouteShout app or visit the mobile webpage to get information on the bus or route you're interested in. Apps are available for iPhone and Android devices at your webstore or visit m.routeshout.com.
Transit information is also now available from the Android and Apple stores on the UGA app. find your way the Bulldog way! Try them both!
We'd like to know how we may improve our service to you. We've developed a survey to give you an opportunity to provide us with constructive feedback. Please click here and fill out this short survey.
© 2012 The University of Georgia


text:
Hello everyone,What a great site. This is my first post.Does anyone have experience with a Tarptent Contrail? I purchased one not long ago, but I'm having second thoughts. Though I haven't tested the tent in the field, I'm concerned with how well it will hold up in bad weather, particularly strong winds and heavy rains. How weather resistant is this tent? Are there any pitching tricks that increases it's performance? I understand that there were some sacrifices made in order to decrease weight. Is it natural to be uneasy when transitioning to a minimalist tent such as this one? My previous tent was a Big Agnes Seedhouse SL1.If I don't come around I'll consider exchanging it for a Rainbow. How do the two tents stack up? Do the Rainbow's extra features make carrying the extra half pound worth it?Also, if there are any other ultra lights out there throw them at me. This is a really tough decision.
Some tips....Remember to re-tighten the shelter before you go to sleep.Add the apex guylineAdd a pole segment/stick/trekking pole at the rearTry the "storm" set upWhen possible set the tail or the front into the windPractice setting it up.Have a look at some of this pics for better weather resistance.Francohttp://video.yahoo.com/watch/1430969/4921727
I wouldn't say that the Rainbow is any more weather resistant than the Contrail, given the pitch options of the Contrail (see Franco's masterworks) possibly it's the other way around. I haven't used the Rainbow but I've seen some fairly egregious weather conditions in my Contrail, including but not limited to: 40+ mph sustained winds (fun to pitch tents in), dime-sized hail, 48 hours of constant rain (ranging from drizzle to wind-driven), and a cascade of heat seeking pine cones (courtesy of Shenandoah National Park). My version is the '07, which is before Henry Shires redesigned the canopy to pitch tighter, easier.While the Rainbow probably looks more like what you're used to in a tent considering you're coming from a BA Seedhouse, I wouldn't sweat this. Pitched correctly, the Contrail can handle any weather you're likely to be out in. The only weather conditions I would consider the Rainbow to be better suited for is a good amount of snow.
I was unaware that a third pole could be used in the back. Where would I find such a pole? Mine only came with the two in the back plus the easton pole for the front. The third picture looks very interesting. Could you elaborate on the "storm setup"?
For most 3 season use the standard set up is fine but if you want to push it a bit i would recommend you use a trekking pole at the front and some pole at the back. That line of tension between the front and rear is what makes it work. (same principle of an A frame tarp set-up) Mine is a section of a spare pole with the tip reversed so that the hole that holds the shock cord, when assembled as a tent pole, becomes the hole for the guyline. Having it that way it means that I can leave that tip attached to the guyline and just insert the pole section into it.You can also use a trekking pole ( a bit further back than in my A frame set up) or just a stick.BTW , the Rainbow without any help is more aerodynamic than the standard Contrail configuration, but you can also add two guylines to the ridge pole of the Rainbow and trekking poles to the apex cross pole. But as I said , play around with the Contrail so that you get the idea of how it works.If you ask a busy shop, likely they will have a damaged pole that you could buy for very little.Franco
If you think you might encounter any type of snow, I would highly recommend the Rainbow with the optional 9mm pole. The Contrail will collapse in heavy wet snow - in my opinion, even with the Franco Rear Strut (trademarked).
What he said. I really like the Rainbow but use the Contrail because it's lighter, smaller and I have trekking poles. If and when I will do winter stuff I will use the Scarp.Here is my Rainbow before the pole and apex guyouts were thought of .Franco
Edited by Franco on 04/01/2009 22:29:45 MDT.
Welcome aboard, Austin.I can't really add much more to this thread because BPL's resident expert on all things Tarptent (Franco) has already posted.However, what I can give you is my perspective as a very contented owner of a Contrail. I have had mine for three years and I really, really like it. It has survived storms, heavy winds, and light dustings of snow. It has never let me down. It's quick to set up, weather-proof, bug-proof, roomy enough for one and most of all very lightweight.Once you use yours in the heat of battle a few times, I'm sure you'll be similarly impressed.
I've used the Contrail extensively and it was almost love at first sight. I'd highly recommend it, particularly if you use treking poles. If not, the benefits are not quite as great. The speed of putting the Contrail is a great attraction to me. After using the Contrail for about 50 nights on the trail I tried a Rainbow, but could never get to the stage of appreciation that I had/have for the Contrail.
Edited by Quoddy on 04/02/2009 06:14:41 MDT.
Thanks for all the replies. They've made me feel much more at ease. I've decided to keep the tent. After all, it's unfair to judge it before I even used it.
Edited by DaveT on 05/17/2015 21:23:05 MDT.
I'm unfamiliar with what an apex line is. How would I add a longer one? I guess I just lack the vocabulary.
Edited by DaveT on 05/13/2015 17:46:21 MDT.
Okay, I understand what you're talking about now.
Sorry about the jargon..Henry Shires is the Master of the Contrail, Franco is the mistress at best.Good tip about angling the pole, forgot about that one. On a couple of occasions I just shoved a boot under the pole , too lazy to get out. Note that there are also tensioning lines at the front between the corners of the bathtub floor and the outer tips of the beak. Keeping the Contrail in tension is only difficult if one wants it to be so.(insert Smiley here)Franco
Franco-Can you please share the length of the rear pole you are using? Also- it looks like you added lines from the guy out to the corner poles. What is the purpose of those?Thanks!(Actually- I think that is John's picture- sorry. Are you using those as well)?
Edited by DripDry on 04/08/2009 08:05:49 MDT.
The ideal rear pole would be 19" to 20" (two section shock corded) with a flat base tip. A 20" pole would allow a slight push into the ground and work better. The single (orange) extra line you see on the rear of my Contrail was on the earlier versions and I never removed it. It actually hindered the use of the rear pole a wee bit. All other lines, except for the lead from the rear pole are the standard setup.
John HolderNot to boast but mine is shorter than Quoddy's.The one I use at the moment is 19" , that is long enough to be slightly higher than the edge of the tent and dig in a little if needed (IE in hard ground. On soft ground it stays there by itself)Having that slight raise in the middle gives the Contrail ridge a nice catenary line, by putting that guyline and the one at the front in tension it makes that ridge very firm and (to me) the all shelter more stable)In mild weather I often don't bother setting it up.Franco
Austin,I think what a lot of us like about the Contrail is the varieties of ways to pitch it. So unlike the Seedhouse ( or most other tents ) where what you see is what you get, with the Contrail you have options. There are several pitches shown in this thread alone. I've logged close to 45 nights in the Contrail without any problems. Heavy rain, winds, hail all weathered with nary a hitch.I would always consider site selection as an important part of setting up any tent. I would avoid bare ridge tops no matter how good the view, as you are a target for high winds and lightening, etc. (voice of experience:-) A more sheltered spot, if possible, is better no matter what tent. I think your going to like the Contrail.Happy Trails,-Mark
Edited by markhurd on 04/08/2009 22:56:12 MDT.
It seems to me that the beak doesn't really come down far enough to prevent rain from splashing in the front netting. Can anyone give more details on a good rain pitch? I have a Squall 2.
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What is an Annuity quote?
It can be confusing to try to make sense of the different annuity quotes you find on the internet. Partially, that's because there are at least six (6) different types of annuities. You'll need to understand how each type works before you can intelligently compare annuity quotes across groups. Even within each category there are additional bells and whistles which distinguish the products offered by competing insurance companies. This makes it almost impossible to compare annuity quotes from different companies across different types of annuities. So what can you do about this problem?
A good place to start would be to acquaint yourself with at least the basic elements of each of the six annuity types. Then you won't mistakenly compare apples and oranges. You will be able to narrow down the type of annuity quote that is most helpful in guiding you to meet your financial goals. This article provides a general overview of the six main categories of annuities, how they work, and how to interpret the quotes which illustrate their performance.
Lastly, please keep in mind that the some of the annuity types mentioned in this article also have both a "fixed" and a "variable" version. Knowing which version you're comparing may help eliminate some of the confusion.
Get your best annuity quote instantly
Simply enter your age, gender, select an income start date, and the dollar amount you have to invest. (If your want income paid over your and your spouse's lifetimes enter your spouse's age and gender, too.) Then click "Get My Quote." You'll instantly see an estimate of how much monthly income you can withdraw at your projected start date.
If you are in the market to purchase an immediate or a deferred income annuity be sure to get your free list of the top 10 quotes. By comparing rates you'll find the annuity with the highest income.
1. Immediate Annuity Quotes ("Fixed" Version)
With a fixed immediate annuity you can set up a steady income stream that you will never outlive no matter what happens to interest rates or the stock market. The payments can be made for your lifetime, for both you and your spouse's lifetimes, for a limited period of time, or for any combination thereof. Payments can be made to your beneficiaries upon your death if that occurred before the guaranteed period of the annuity expired. You can schedule your income to be received monthly, quarterly, or annually.
An immediate annuity purchase typically is irrevocable. When calculating an immediate annuity quote the insurance company actuaries consider your age and gender. The older you are, the higher your annuity income will be. Immediate annuity quotes are unlike other annuity quotes in that the insurance company typically does not disclose the interest rate used in its calculations.
2. Deferred Income Annuity Quotes
A deferred-income annuity (sometimes called a longevity annuity) combines the features of the above two annuities: immediate and deferred annuities. A deferred income annuity has both a growth period and an income distribution period. Essentially, with a deferred income annuity quote, you are shown the amount of income to be received at a future date. Purchasing a deferred income annuity contract usually defers income anywhere between three to thirty years from the time of purchase.
We wanted to establish a bit of extra income. There was a good recommendation about ImmediateAnnuities.com on CNN. We also liked that we could see excellent reviews about them on Google. They were very thorough from our first inquiry to when we decided to buy our annuity from Mass Mutual. They always answered our questions promptly and followed up with the insurance company, too. We have been receiving our monthly payments since last November and couldn't be happier. What more can we say?
If you die before the deferral period before income starts, some contracts provide a type of death benefit to beneficiaries. Others don't. Once income withdrawals begin the same beneficiary options which are available in an immediate annuity are often available with the longevity annuity.
A longevity annuity quote is very similar to an immediate annuity quote. The quote outlines the deferral period, the income option you've chosen, and the amount of fixed monthly (or annual) income you will receive once the payments begin.
3. Deferred Annuity Quotes ("Fixed" Version)
A deferrred annuity is an interest-bearing account similar in many ways to a bank certificate of deposit but not protected by FDIC. Deferred annuities are "manufactured" by insurance companies, not banks. You would typically review a list of deferred annuity quotes if you were interested in purchasing a growth product with a safe, guaranteed annual interest rate.
The number of years for which you can lock in an initial interest rate depends on whether you buy a "multiyear" deferred annuity or a "traditional" fixed interest deferred annuity. With a multiyear annuity you can choose from maturities that range from three to ten years. The interest rate stays in force for the whole period. With a traditional deferred annuity there is a first year interest rate guarantee but the rate in subsequent years is set by the insurance company at its discretion, so long as the future interest rate remains at least above the annuity's so-called floor rate or minimum guaranteed rate.
Today's Best
Multi Year Annuities
Deferred Annuity table
|Company / Product
|Sentinel Security LifePersonal Choice Annuity 10
|Oxford LifeMulti-Select 9 Annuity
|Oxford LifeMulti-Select 8 Annuity
|Oxford LifeMulti-Select 7 Annuity
|American EquityGuarantee 6 Annuity
|Sentinel Security LifePersonal Choice Annuity 5
|Guggenheim Life and AnnuityPreserve MYGA 4 Annuity
This is a table illustrating today's top interest rates for deferred annuities. The table lists the name of the insurance company, annual effective yield, and the number of years for which the yields are guaranteed. To learn more about deferred annuities click any line in the chart or call 800-872-6684 for quick answers.
What is usually shown on the internet for a deferred annuity quote is its current interest rate. Generally, the interest rate quoted is higher if you choose a longer growth period. If you should die during the growth period, your account values typically are payable to your beneficiaries.
If you need to withdraw some money from your deferred annuity before the maturity date, you can with most companies, so long as the dollar amount withdrawn is within your annuity's annual allowable withdrawal percent (usually 3% to 10% of the account value). If you withdraw a greater amount your account is assessed a surrender charge. Some companies also waive these charges in event the account owner is confined to a nursing home or is diagnosed with a terminal illness.
A deferred annuity quote or illustration will usually show the amount accumulated in your account at the end of each contract year. Because these are fixed interest rate products, you know up front what your return will be. A deferred annuity quote may also show the surrender charges per year for early withdrawals. Deferred annuity quotes differ from immediate annuity quotes because the rate of return is shown for the former.
4. Secondary Market Annuity Quotes
Sometimes, the recipient of a monthly annuity payment may decide to sell his present or future income stream if he needs instant cash. Such an annuity is referred to as a Secondary Market Annuity (SMA), where a contractual future cash flow is being sold by its owners in exchange for a lump sum today.
There are elements of secondary market annuities which are similar to immediate annuities, for example, when the purchased income stream begins immediately. There are also secondary market annuities which are similar to Longevity annuities, for example, when there is a delay in the income start date for five or ten years.
Today's Best
Secondary Market Annuities
Secondary Market Annuity table
|Start Date
|Liberty Life
|NY Life
|Pacific Life
|Berkshire Hathaway
|GE Capital
Secondary market annuity quotes consist of a rate of return, the company the annuity was purchased through, the cost to you, the start date of the payments, and the ultimate amount those payments will be based on. In the chart below is a list of currently available secondary market annuities, showing their rate, start date and purchase price. By clicking on the chart below, you will see the full range of products offered.
5. Fixed Index Annuity Quotes
A fixed index annuity is a growth annuity which is tied to a particular stock index. This is subject to a rate floor and a rate cap. The floor makes sure that no matter how badly the index does in a particular year, you will never suffer a negative return. In other words, even if the S&P dropped 50% your account balance would not show a loss. Your cost for this protection is that the insurance company only passes through to you a percentage of the possible gains in an up year. So a rate cap or participation rate cap, only allows your account to increase up to a certain point, usually between 3% and 7%. Rate caps and participation rates can also be reset each year by the insurance company. All index annuity earnings are tax deferred.
A fixed index annuity quote consists of several hypothetical situations. The illustration may show you by how much your account would have grown between 1995 and today if you have started back then. Again, the market-related performance of your fixed annuity is not guaranteed. This differs from fixed immediate and fixed deferred annuity quotes as those are always guaranteed. On the index annuity quote, you usually will be able to see what the value of your annuity would be if the index performs at its lowest levels, continues at its current levels, and how it has historically performed. A fixed index annuity quote may also include the surrender charges per year if you wanted to withdrawal from the contract before the maturity date.
I contacted Immediate Annuities.com to buy my annuity. They were prompt, very responsive, paid attention to detail, understood my objectives, and were superb when it came to staying on top of seeing the funds transfer and issue of new policy documents through to completion.
6. Variable Annuity Quotes
A variable annuity is similar to a fixed index annuity, however, the biggest difference is that your account can drop way below the amount you started with in a variable annuity if the stock market collapses. Instead of being tied to an index, the performance of a variable annuity is tied to particular subaccounts which are tied to various mutual funds. It works similarly to a mutual fund but has certain tax-deferral advantages. You choose subaccounts in which you'd like to invest your premium, and your growth or losses are dependent on how well those funds perform. At the end of each year, maintenance fees and mortality charges are applied, and the account receives the difference between the amount earned and those fees. For instance, if your gain is 5% and the fees amount to 3%, then the growth applied will be 2%.
Variable annuity quotes are similar to fixed index quotes. Illustrations may show you hypothetical performance based on historical market movement. Variable annuity quotes differ from immediate and deferred annuity quotes in the same way as fixed index quotes do, by not showing you a guaranteed rate or amount. These quotes reflect the hypothetical performance of the subaccounts you choose.
We'd love to hear from you!Please post your comment or question. It's completely safe -- we never publish your email address.
Comments (26)
Can you update the quotes you sent me yesterday with a 15 year period certain payout based on 100k?
Hi Bill-
I am responding to your request for updated quotes for a "15 year period certain payout" with two sets of numbers because the phrase "15 year period certain payout" can be interpreted in two different ways. I wanted to be sure you knew the difference between them.
When you initially requested quotes at our website, you checked the box for a Single Life annuity with 15 Years Certain. That's the type I previously sent you quotes for. A life with 15 years annuity provides the following benefit:
You receive income for as long as you are living, even after the 15 year period ends. If you should die before the end of the 15 years, payments continue to your beneficiaries until the end of the 15th year. Payments stop only upon your death after the end of the 15th year.
There is a second type of 15 year immediate annuity which DOES NOT pay for your lifetime. It is called a "15 Year Period Certain" annuity (your exact wording) which has the following definition:
You receive income only for 15 years. If you should die before the end of the 15 years, payments continue to your beneficiaries until the end of the 15th year.
But if you live longer than the 15 years you will not receive further income. This income stream ends exactly at the 15 year mark.
At age 64 your life expectancy is longer than 15 years. So when you compare quotes for the two types of 15 year annuities you find that the 15 Year Period Certain annuity gives you more income per month than the Single Life annuity with 15 Years Certain would give you. That's because the insurance company expects to make fewer payments to you in a 15 Year Period Certain annuity than it does if your annuity was set up to pay you for life, even if lived longer than 15 years (which the actuarial tables say you will).
So to cover all bases, I sent you quotes for both types which you can compare to find the one that is more suitable to your financial goals.
I hope I've made myself clear. Please contact me again if you have any questions about these annuities.
I am researching annuities to see if they will work for me. I requested quotes at this web site. Are these the best that you have?
Hi John-
Good to hear from you, too.
The quotes we sent you were for an IMMEDIATE annuity (lifetime annuity with payments starting immediately and with beneficiary payments if you died before the end of 10th year). There were prices from 16 companies.
You asked: Are these the best rates?
They are if you're looking to buy an IMMEDIATE annuity.
But depending on what you are trying to accomplish there may be other types of annuities with higher interest rates.
For example--
INDEX or HYBRID annuities can pay you as much as 8% a year. See here:
SECONDARY MARKET ANNUITIES can pay you up to 6% a year. See here:
Perhaps one of these annuities will better satisfy your retirement goals. Email me if you'd like more info.
Your company emailed me quotes for a $500k period certain immediate annuity for 10 years. I calculated the annuity internal interest rate and it was less than rate I can get on a 10-year Treasury Note. Why is that?
Hi Owen-
The interest rate on a 10-year immediate annuity is lower than the rate on a 10-year bond for one important reason: When you invest $500k in 10-year treasury bonds you relinquish control over the $500k for all 10 years. In other words, the U.S. Treasury has the full use of the full $500k for all 10 years.
When you buy a $500k 10-year period certain annuity from a life insurance company, the company does NOT have the full use of your $500k for the full 10 years. It cannot invest the $500k in a 10-year investment, because beginning with the first month on, the company has promised to pay you some of your $500k each month.
If you did the math you'd find that the insurer only has on hand, on average, $250k (half your premium). You're right that the company starts with $500k in the first month but from that point forward each month the premium held by the company is reduced until the amount on hand reaches $0 at the end of the 10th year.
Looking at this another way, a 10-year $500k period certain annuity (which amortizes the $500k evenly over 10 years) is really the mathematical equivalent of a 5-year investment with a constant value of $500k.
You know that interest rates on shorter term bonds (for example, 5 year T-notes) are considerably lower than interest rates on longer 10 year bonds. This explains some of the differences in underlying interest rates between a 10-year Treasury note and a 10-year immediate annuity.
If I use my traditional IRA funds to buy a single premium immediate annuity do I pay tax when I withdraw money to buy the annuity? Is there a transition option to keep the money tax deferred?
Hi John-
You can freely transfer money from your IRA to the insurance company. There is no tax due. The transfer is tax-free because the insurance company sets up a Traditional IRA account to receive the money. So this is really an IRA-to-IRA transfer.
I've written a blog article about this topic here:
I prefer annuities which allow early withdrawal. Is that available with immediate annuities?
Hi Sam,
On the quote spreadsheet we sent you you'll find small footnotes next to each company's name. Any company that has footnote number "5" allows for limited cash withdrawals. These companies include MetLife, New York Life, and Principal Financial, among others.
Thanks for your quotes. Do these numbers include ALL costs related to the annuity including commissions and fees?
Hi Ulrich-
Immediate annuities and deferred income annuities do not charge fees. The commissions that we receive as agents are already built into your quotes for these types of annuities. Therefore, the quotes we sent you represented the exact dollar amounts you will receive.
I've written a more detailed article on annuity commissions here:
I received your list of annuity quotes. What % payouts are these companies paying?
Hi Colleen-
You asked about the payout percentages for the different companies in your list.
For this type of annuity called an "immediate annuity" which pays you for as long as you're living, the ultimate rate of return will depend on how long you lived and how many monthly payment checks you received. So that is not really knowable up front.
I can give you a few estimates based on your life expectancy.
At your age if you purchased the Minnesota Life annuity which was paying the highest amount on our list ($682 a month) and you lived to your normal life expectancy of 15.2 years, your rate of return would have been 2.80%.
If you lived for 5 years longer, for a total of 20 years, then your return would have increased to 5.40%.
Of course, if you selected a life only annuity and died after only 10 years then your return would have been negative.
If you would rather guarantee yourself (and your beneficiaries) a definite interest rate return then you might consider a so-called period certain ("term certain") annuity which paid a minimum of, say, 20 years. That interest rate would be 3.00% regardless of how long or short you lived.
I got your quote, but it didn't seem competitive. I'm retiring from Lucent Technologies and they are offering me a lump sum pension buyout of $437,003.66. Alternatively they offered me a single life annuity of $3,858 per month. Your quotes we're less. Why?
Hi Pete-
It makes perfect sense that Lucent's subsidized annuity will pay you more per month than the amount you would get if you applied the $437k premium to an insurance company annuity. Here's why:
For the past 40 years, since ERISA was enacted in 1974, the vast majority of retirees who are offered a lump sum buyout vs. a monthly annuity, take the cash. These retirees want the cash to be able to invest in stocks or real estate, to pay down a mortgage, to take a vacation, to make home improvements, etc., etc.
This is a well-known, well-studied tendency. So Lucent fully expects its retirees also to opt for the cash. Under ERISA (which is the law governing how to calculate a lump sum equivalent of a lifetime monthly income) a corporation is permitted to use certain above-market interest rates or discount rates when making this calculation.
The upshot is that Lucent can use a higher than normal interest or discount rate to calculate the lump sum it owes you. Using a HIGH discount rate causes your lump sum amount to be SMALLER. Lucent knows this and since most of its employees will take the cash it's cheaper for Lucent to pay out lesser lump sums many times than the cost of an occasional employee electing to stay with the annuity. That's also why your $437k is just not enough premium to cover the same monthly income Lucent is quoting you. Lucent is actually subsidizing your monthly payments.
I have an IRA. I want to buy an immediate annuity and start receiving income at the beginning of the coming year so I don't pay any taxes on it this year. When should I contact you?
Hi Phil-
Since the new year is more than six months away my first suggestion is that you continue to visit our website every two months or so and generate exact company quotes so you get a feel for the direction interest rates are taking.
Regarding your question about when to start the process -- Keep in mind that your first month's payment will not be issued to you by the company until 30 days after it receives your premium. So depending on when you'd like to get that first payment, subtract one month from that date to cover the waiting period. Then allow another 2-3 weeks for the time it usually takes to transfer money from one custodian to another. This gives you a conservative planning horizon of about two months from start to finish.
So if you wanted to receive your first payment, say, on January 2nd, then you'll need to begin the application process in early November.
It's also important to know that most insurance companies give you a 60 day "rate lock" or grace period from when they receive your application to when the premium needs to be in-house. During that period even if interest rates drop, your annuity will be credited with the initial higher rate. Think of it like a mortgage commitment letter from a bank that gives you 30 days to close on a home while guaranteeing a specific interest rate.
I received your quote package in the mail Saturday. It was excellent. I also requested quotes from two other sources, all for a New York Life 10 Year Period Certain annuity. So far, I have received one of them with a large difference in the monthly payout than yours. Shouldn't they all be the same? Why aren't they?
Hi Brian-
It's difficult to know without looking at the official NYL illustrations. Generally, NYL quotes should be the same for the same premium and payment options. I'll guess at some possible explanations:
1. Are the quotes for the same payment options? Some agents may confuse a 10 year period certain annuity with a LIFE and 10 year certain annuity. The latter will pay you much less per month because at your age the expected payment period extends considerably past the initial 10 years.
2. The quotes were not generated on the same day. When did you receive the other quotes? Since NYL changes its rates every so often, yesterday's quote may not be the same as tomorrow's if NYL made an internal adjustment to its interest rates in between.
3. Are the start dates the same? The NYL quotes I sent you assumed a start date one month following purchase.
Sometimes an agent may play tricks with the dates when they know a buyer is comparing quotes across different platforms or sources. For example, it's possible to make the income figure appear a little higher by delaying the start date. I'll explain.
Imagine I sent you a quote with a purchase date today but an income start date a year from now. Your monthly income would be several percentage points higher than my first quote because NYL would be crediting your premium with a full year's delayed interest.
Now I'd be shocked if the other quoter changed the start date by a year. But if he or she just fudged the start date by a week or two their quote would be a $5-$10 dollars higher than ours. Of course that would just be smoke and mirrors and not really giving you a better deal. But many consumers wouldn't understand this. They'd think they're getting a better quote.
4. Did both sets of quotes assume your correct state of residence? Sometimes if the state of issue is different it can change the quote.
5. Did both quotes correctly assume the tax status of your premium to be "qualified" money. Ours did since that's what you told us online.
Thank you for the quotes. I understand why the single life annuity quote gave me more income than the cash refund annuity. I don't understand why the cash refund annuity has a HIGHER taxable portion than the life only annuity if the monthly income amount from a refund annuity is smaller?
Hi Andre,
Your inferences are correct. Unfortunately, my answer may not satisfy your underlying question.
The taxable amounts for each of the annuities were calculated by the insurance companies based on guidance from the IRS. The companies have no discretion in this.
The IRS formulas they use are outlined in IRS Publication 939 -- http://www.irs.gov/pub/irs-pdf/p939.pdf
These formulas require an adjustment to the taxable income portion of a life annuity with guarantee period or cash refund. The adjustment combined with the fact that the income amount itself is determined by each company's specific actuarial assumptions causes the math anomaly you found between the two types of annuities.
I realize this explanation doesn't really get to the root of your question but as they say, the math "is what it is." In other words, the calculations we gave you were correct and the insurance companies will report these same numbers to the IRS on the 1099-R's they send you in January each year.
It may be too complicated for an online tool but it would be nice if the options available to select in the quotes is 50% to the survivor, rather than 100%.
Hi Chris-
Thanks for your suggestion. Over the years, we've toyed with different variations of the calculator. At one time we offered joint 50% quotes but found that users were very confused. Especially, since there are TWO ways that insurance companies administer 50% reduced annuities --
(1) some reduce the income when the first of either annuitants dies, and
(2) some reduce the income only when the primary annuitant dies, but not on the death of the secondary annuitant.
So the comparisons across companies were not apples to apples even though the companies were calling their annuities "Joint & 50%".
Perhaps we'll try this experiment again some time.
Does a Traditional IRA Single Premium Immediate Annuity with Payment Option Joint to Spouse + Period Certain (50% Joint to Survivor with a 10 yr certain) guarantee that the primary annuitant shall receive 100% of their monthly benefit amount for lifetime even if the spouse pre deceases them? I've received mixed feedback that if a spouse pre deceases the primary annuitant on a 50% joint to survivor policy, the primary annuitant's monthly benefit amount would be reduced to 50% opposed to receiving 100% for their lifetime.
Hi H,
The correct answer is that it depends on how the insurance company interprets its contract. Some do not reduce to 50% during the 10 years. Others will. Find out from the company before you buy.
Also there are two types of Joint and 50% reducing annuities: One type reduces on either death, meaning, whoever dies first causes the survivor to gets a reduced payment. The other type of Joint 50% reducing annuity only reduces upon the death of the PRIMARY annuitant. This type would NOT reduce if the survivor or secondary annuitant died first.


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Appetite Suppression Theory Debunked: Testing a Paleo Diet Hypothesis in the Test Tube
[ 10 votes ]
1 Comment
• May 22, 2014
Press Release
American Society for Microbiology
WASHINGTON, DC — May 20, 2014 By comparing how gut microbes from human vegetarians and grass-grazing baboons digest different diets, researchers have shown that ancestral human diets, so called "paleo" diets, did not necessarily result in better appetite suppression. The study, published in mBio® the online open-access journal of the American Society for Microbiology, reveals surprising relationships between diet and the release of hormones that suppress eating.
While Western diets have changed dramatically in the last century to become high energy, low fiber, and high fat (think: cheeseburger), our digestive systems, including our gut bacterial colonies, adapted over millennia to process a low-energy, nutrient-poor, and presumably high fiber diet. One idea about the current obesity epidemic is that appetite suppression systems that evolved to work with a paleo diet are off-kilter today.
The appetite-suppressing gut hormones peptide YY (PYY) and glucagon-like-peptide-1 (GLP-1) can be triggered by the presence of short-chain fatty acids (SCFAs) in the colon. Fermentation of plant fiber in the colon by bacteria can produce these SCFAs, so it stands to reason that digestion of a diet high in plant fiber might lead to better appetite suppression.
Gary Frost and his colleagues at Imperial College London in the United Kingdom wanted to test that hypothesis in the laboratory using fecal bacterial samples from three human vegetarian volunteers and from three gelada baboons, the only modern primate to eat mainly grasses.
"Getting to the bottom of how our gut bacteria and diets interact to control appetites is vitally important for tackling the problem of obesity," said Glenn Gibson, co-author on the study based at University of Reading. Frost added, "Understanding how a paleo-like diet impacts the colon's microbiota and the signals those bacteria produce to release hormones that reduce appetite may give us new insight that we can adapt in the modern world."
The team established gut bacteria cultures in flasks and then 'fed' them two different diets -- either a predigested potato, high-starch diet or a predigested grass, high-fiber diet. Then they tracked changes in the numbers and types of bacteria and measured the metabolites produced by digestion.
Surprisingly, the human cultures on a potato diet produced the highest levels of SCFAs. Even the baboon cultures fed potato produced more SCFAs than the baboon cultures fed grass. When the researchers applied some of these cultures to mouse colon cells in the lab dish, the cells were stimulated to release PYY hormone. Those exposed to human cultures digesting a potato diet released the most PYY, followed by those exposed to baboon cultures on a potato diet.
This evidence argues that the previous view of paleo diets and appetite suppression is flawed and that high-fiber, plant-based diets likely do not lead to increased SCFAs and increased appetite suppression. Rather, the researchers propose, little to no appetite suppression might help baboons maintain grazing all day to consume enough nutrients.
A closer cataloguing of all the metabolites produced by the bacterial cultures digesting potato or grass diets showed that as the levels of the amino acids isoleucine and valine rose, so too did the amount of PYY released. This relationship was even stronger than that with SCFAs.
"This hints that protein might play a greater role in appetite suppression than the breakdown of starch or fiber," said Timothy Barraclough, another co-author of the study. "More work will be needed to explore the effects of alternative breakdown products of various foods."
The researchers note that this study of digestion in the test tube is limited by not including the roles of gut cells, which absorb and secrete metabolites as well.
Journal Referenc
e: Gary S. Frost, Gemma E. Walton, Jonathan R. Swann, Arianna Psichas, Adele Costabile, Laura P. Johnson, Matt Sponheimer, Glenn R. Gibson, and Timothy G. Barraclough. Impacts of Plant-Based Foods in Ancestral Hominin Diets on the Metabolism and Function of Gut Microbiota In Vitro.
, May 2014 DOI:10.1128/mBio.00853-14
Please Discuss This Article:
Paleo diet with a twist
Posted by: Sandy10m
Jul 12, 2014
I have CFS and Lyme. Years ago, I tried the Paleo diet to solve some digestive issues. It helped, but it didn't help me lose weight like I had hoped. However, with the diet in combination with oral powdered Nystatin, I was able to finally kill the Candida infection in my intestines, confirmed through detailed stool analyses over many months. Now I am back on the Paleo diet but with a twist: add as much cholesterol and fat to the diet as possible. This comes from the book Grain Brain by Dr. David Perlmutter. After going after the Lyme with IV antibiotics (Claforan) plus oral colloidal silver last year, I thought I would lose the weight. But my weight held steady until I went on the high-fat Paleo diet. I have been on the diet for 7 weeks now (no cheating), and I have lost 7 pounds. For the first time in 2 years, my weight has dropped below 160 (my goal is 150). I am never hungry because I eat as much butter, olive oil, and especially coconut oil as I want. Eggs are encouraged every day. I highly recommend the book and this diet.
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