RockwallTexas(TX) Lee, Ryan K. personal infomation and areas of practice

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Wow Im a little worried about some of the advice you received. An annuity is a policy with an insurance company that allows you to protect your money from probate, and yes it passes directly to your beneficiary within 7 days after the insurance co is notified. Unfortunately too many people give their opinions about annuities when they have no idea what they are and why they are great retirement/estate planning tools. Not to mention that Annuities pay higher interest rates than bank CD's and money markets, and Fixed annuities don't lose your money like the stock market and mutual funds. Good for you for having an annuity, now that I have shed some light on what they are. The answer to your question is YES. Just like any investment, you will not avoid paying taxes on your annuity. If it is Non Qualified Money, the taxable portion will be on the interest you have earned during the course of having the annuity policy. If it Qualified money like an IRA the entire amount will be taxable. The insurance company will be happy to take the approximate taxes right off the payout amount to help your beneficiary, or they can elect to pay it at the end of the year. Estate and inheritance tax only effect a small percentage of Americans, so this probably won't be an issue for you. Keep in mind that if this is infact in a Fixed Annuity and Not a Variable annuity, your interest has been compounding over the years tax deferred. That gain is significantly better than you would have gotten in a CD, paying taxes on it every year. Good for you. Make sure you keep that money in an annuity, and that you are getting a FIXed interest rate, no in the stock market. SAFETY

I would like to change my name when I become a US citizen. What is involved? How long does this take? Does it prolong the naturalization process? Any complications? Has anyone done this and can give me any advice?

I am a university student applying for a summer job at a bank, and I was just wondering what exactly I should include in the text of the coverletter I am sending with my application.. Thanks!.

I am in the process of working on a college application essay. I am applying for an occupational therapy assistant program at a community college. . The essay instructions: "Complete an essay, not to exceed one page (prefer word processed, standard font, 10 or 12 point), that explains your interest in becoming an OTA.". That's all the instructions I have for it.. Thus far, I have been writing my essay in the form of a cover letter, addressed to the staff of the program. I'm wondering if that is wrong though? Or does it not really matter either way since the essay instructions are somewhat vague?.

I want to go into tv/film directing for a career.. I have the email address of a man who works in post production (editing).. He's a friend of a teacher of mine.. . I need to send him an email asking if I could get work experiences with his department, however I have absolutely no idea what to write and how to ask.. . Any tips and advice for me on constructing a professional yet interested email for him?.

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