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Topic: Annuity function

	Special Functions
		Description: The gamma function returns the value of the logarithm of the absolute value of gamma.
		Description: The gamma_r function returns the value of the logarithm of the absolute value of gamma.
		The sign of the gamma function is returned in the integer signgam.
	www.ncsa.uiuc.edu /UserInfo/Resources/Hardware/XeonCluster/Doc/Intel_8.0.044/c_ug/lm_spec.htm (256 words)

	Compaq COBOL
		The ANNUITY function (annuity immediate) returns a numeric value that approximates the ratio of an annuity paid at the end of each period for the number of periods specified (by the second argument) to an initial investment of one.
		The CHAR function returns a one-character alphanumeric value that is a character in the program collating sequence having the ordinal position equal to the value of the argument.
		The COS function returns a numeric value that approximates the cosine of an angle or arc, expressed in radians, that is specified by the argument.
	www.helsinki.fi /atk/unix/dec_manuals/cobv27ua/cobrm_038.htm (2012 words)

	Annuity Glossary :: Definitions of Common Annuity Terms
		The charge deducted from the annuity for withdrawing purchase payments in excess of allowed limits or upon full surrender of the annuity contract.
		The guarantee that if you should die before you convert your variable annuity into regular income payments (annuitize your contract), your annuity's beneficiaries will receive the higher of the account value or a different amount specified in the deferred annuity (such as the amount you contributed to the annuity, less withdrawals).
		An annuity contract where premiums are accumulated with interest and then used to provide periodic payments at a future date.
	www.hometownquotes.com /annuityglossary.html (1509 words)

	InsWeb Insurance Glossary Annuity (Site not responding. Last check: 2007-10-25)
		The person, usually the annuity owner, whose life expectancy is used to calculate the income payment amount on the annuity.
		A rating of annuity products based on their quality as measured by Morningstar, a leading, independent provider of investment information.
		Annuities subbaccounts are rated with 1-5 stars, with 5 being the best possible rating.
	www.insweb.com /learningcenter/glossary/annuity-a.htm (1308 words)

	PRCUA: Annuity FAQ (Frequently Asked Questions) (Site not responding. Last check: 2007-10-25)
		The accumulation period is that time during which funds are being paid into the annuity, in the form of premiums by the contract holder, and interest is earned on those premiums.
		With a variable annuity it is the contract holder who determines how his or her premium will be invested.
		This is a charge applicable during early years of the contract’s accumulation phase in the event the contract holder surrenders or cashes in his or her annuity before the insurer has had the opportunity to recover the cost of obtaining the business and issuing the contract.
	www.prcua.org /products/annuityfaq.htm (1003 words)

	How annuities are useful for retirement - Sify.com
		While the principal function of life insurance is to create an estate or an endowment (an “estate” being a sum of money) by the periodic payment of money into a contract, an annuity’s principal function is to liquidate an estate by the periodic payment of money out of a contract.
		An annuity is purchased in one of two ways: with a single premium payment (some prefer the term deposit) at the beginning of the contract or through a series of periodic premium payments over the years.
		The payout or annuity period refers to the point at which the annuity ceases to be an accumulation vehicle and begins to generate benefit payments on a regular basis.
	sify.com /finance/insurance/fullstory.php?id=13632766 (1247 words)

	1998 CFR Title 50, Volume 3
		Election at time of retirement of a fully reduced annuity or a partially reduced annuity to provide a former spouse annuity.
		Annuity for a child age 18 to 22 during full-time school attendance.
		Annuities for former spouses of employees or Members retired before May 7, 1985.
	www.access.gpo.gov /nara/cfr/waisidx_99/5cfr831_99.html (461 words)

	Selected Benefits, Inc.
		The payout or annuity period refers to the point at which the annuity ceases to be as accumulation vehicle and begins to generate benefit payments on a regular basis.
		The disadvantage of a variable annuity is that its lack of guarantees has the owner open to the ups and downs of market risks.
		Because a variable annuity is considered a “security”, agents who have a securities license as well as a life insurance license can only sell it.
	selectedbenefits.com /ScreenPrintInfoPage.cfm?menuitemid=337&menusubid=0 (1061 words)

	How to Buy Annuities - eHow.com
		Annuities can prove to be a valuable element in funding your retirement plans.
		But you must know how annuities function and what their key features are.
		With a variable annuity, you choose where to invest your money, and the size of your payment depends on the performance of that invested capital.
	www.ehow.com /how_109586_buy-annuities.html (610 words)

	INFSCI 0010 Assignment 3 (Spring 06)
		An annuity is a periodic (e.g., monthly) deposit that compounds at a specified interest rate for a period of time.
		Annuities are one of the most common financial problems encountered in personal finance and business investment analysis.
		In case you are unsure about how to call a function from another function, here is an example.
	www.sis.pitt.edu /~gray/INFSCI0010/assigns/assign03Spg06.html (834 words)

	Tech Note 11: Financial Functions
		Returns the present value of an annuity based on periodic, fixed payments to be paid in the future, and a fixed interest rate.
		The NPV function is similar to the PV function (present value) except that the PV function allows cash flows to begin either at the end or the beginning of a period.
		Specifies the present value of an annuity based on periodic fixed payments to be paid in the future and a fixed interest rate.
	www.nsbasic.com /ce/info/technotes/TN11.htm (3046 words)

	Visual Basic Financial Functions
		Calculate the Payment for an annuity based on fixed, periodic payments and a fixed interest rate.
		Calculate the Payment Type for an annuity that is based on fixed, periodic payments and a fixed interest rate, given other information about the annuity.
		Function returns 1 (one) if for beginning of period payments or 0 (zero) for end of period payments.
	www.entisoft.com /ESTools/MathFinancial.HTML (905 words)

	FutureValue MathFinancial Function -- Entisoft Tools 2.0 Object Library (Site not responding. Last check: 2007-10-25)
		An annuity can be a loan (such as a car loan or a mortgage loan) or an investment (such as a savings account or a certificate of deposit).
		Function will return Null if vRate is Null or cannot be interpreted as a number.
		Function will return Null if vPmt is Null or cannot be interpreted as a number.
	www.entisoft.com /ESTools/MathFinancial_FutureValue.HTML (491 words)

	The AddUp Calculator
		Financial functions can be used to calculate annuities that cover any conceivable time period so it is necessary to provide a time unit (otherwise values default to seconds).
		In the simpler cases, annuity functions require three or four parameters and they are calculated using monthly compounding periods.
		Two more parameters refer to the regular annuity payment amount and period; these values are set to zero for the amount and the payment period is a month.
	calculators.friendpages.com (3826 words)

	Future Value of an Annuity
		You need to find the future value of an annuity of $5,000 for 6 years at 8%.
		To calculate the future value of an annuity due, merely multiply the future value of the annuity by 1 plus the interest rate.
		Since this is the future value of an annuity due, multiply the future value of the annuity, which is $36,679.65 by (1 plus the interest rate) or 1.08.
	www.busadm.mu.edu /mandell/fva.html (472 words)

	Halmstad Prize Honors 3 Actuarial Researchers For Annuity Study; Biomedical Mathematical Function Used
		Using a specific type of this function with a specific set of data, researchers found annuity values declined about 5 percent.
		The winning entry, "Annuity Valuation with Dependent Mortality," was published in a June 1996 issue of The Journal of Risk and Insurance.
		Data for the study consisted of 14,947 joint and last-survivor annuity contracts in payout status with a large Canadian insurer from Dec. 29, 1988, through Dec. 31, 1993.
	www.eurekalert.org /pub_releases/1999-01/SoA-HPH3-250199.php (723 words)

	FV Function (Visual Basic .NET)
		Returns a Double specifying the future value of an annuity based on periodic, fixed payments and a fixed interest rate.
		An annuity is a series of fixed cash payments made over a period of time.
		An annuity can be a loan (such as a home mortgage) or an investment (such as a monthly savings plan).
	msdn.microsoft.com /library/en-us/vblr7/html/vafctFV.asp?frame=true (462 words)

	Omnis Technical Newsletter: 111705
		This resulting value may be further manipulated within the expression because the function itself may have been an operand of an operator or it may have been nested as a parameter of another function.
		The built-in function, sqr() accepts a single parameter, which itself is an expression, and returns the square root of the evaluated result of that expression.
		The function requires two parameters: the number to be processed and the number of decimal places to be used (expressed as a non-negative integer less than 16).
	www.omnis.net /technews/111705 (3519 words)

	annuity
		Present value of of an ordinary annuity (payments at the end of the periods) with $10,000 payments for two periods at 10% = $17,355.
		If you have problems with the annuity due solution, you can reduce the number of periods by one and then add one payment amount because the present value of the first payment is the same as the payment amount.
		For example, the present value of an ordinary annuity of one $10,000 payment at 10% is $9,091 plus another payment of $10,000 equals the $19,091 present value of an annuity due for two payments.
	www.cord.edu /faculty/bfoss/annuity.htm (508 words)

	Financial Functions
		The financial functions allow you to perform all kinds of financial calculations including the value of investments, the cost of financing a loan, the discounted value of a future payment or cash flow, and the equivalent rate of return of a series of payments.
		The three functions TM, PV and FV are used to calculate the term, present and future values of fixed amounts.
		They each have a corresponding annuity function which is used to compute the term, present or future values of a series of regular payments.
	www.calculator.org /CalcHelpCD/finance.htm (4642 words)

	HyperCard Term: ANNUITY (Site not responding. Last check: 2007-10-25)
		Used to calculate the present or future value of an ordinary annuity.
		The function calculates the present value of one payment.
		The arguments that are inside the parentheses must be numeric.
	www.csulb.edu /~murdock/annuity.html (40 words)

	Companies (Site not responding. Last check: 2007-10-25)
		an annuity whose starting or ending date depends on the occurrence of an event (as the death of the annuitant) whose date is uncertain
		an annuity that guarantees a minimum number of payments even if the annuitant dies before the minimum amount is paid or a minimum number of payments plus income for life if the annuitant is still alive after the minimum amount is paid
		an annuity in which payments to the annuitant or to the annuitant's estate or to a beneficiary are guaranteed to equal at least the amount of the premium paid for the annuity
	www.rophe.com /ann2.htm (432 words)

	The Math Forum - Math Library - Functions (Site not responding. Last check: 2007-10-25)
		An illustrated introductions to the concept of functions, a relationship or correlation where each element of the domain corresponds to one and only one element of the range.
		The site details the interrelationships between the special functions of mathematical physics and the elementary functions of mathematical analysis, as well as the interrelationships between the functions in each group.
		Elementary functions open new teaching and learning possibilities for dynamic geometry, which is characterized particularly by the direct manipulation and production of graphic objects.
	mathforum.org /library/topics/functions (2108 words)

	variable annuity \| Nationwide.com
		A variable annuity gives you a rate of return that changes based on how the selected investments perform.
		Before purchasing a variable annuity, you should carefully consider the investment objectives, risks, charges and expenses of the annuity and its underlying investment options.
		Please remember, variable annuities are long-term investment vehicles and are not intended to replace emergency funds or to fund short-term savings goal.
	www.nationwide.com /nw/investments-and-retirement/annuities/variable-annuities (391 words)

	Code Examples -> A suite of financial management functions including present and future value of an annuity and a loan ...
		A recursive function to traverse a multi-dimensional array where the dimensions are not known
		A simple bubblesort that takes 2 arrays as argument.The first one is the actual data used for sorting, the second is data that will "tag along" with the first array, for instance a descriptive text about the data in the first array.
		These 2 functions write and read the contents of a specially designated multi-dimensional array to and from a text file.
	www.weberdev.com /get_example.php3/459 (625 words)

	PV (Microsoft Office 97 Visual Basic Programmer's Guide)
		An annuity is a series of constant cash payments made over a continuous period.
		In annuity functions, cash you pay out, such as a deposit to savings, is represented by a negative number; cash you receive, such as a dividend check, is represented by a positive number.
		The present value of the annuity ($59,777.15) is less than what you are asked to pay ($60,000).
	msdn.microsoft.com /archive/en-us/office97/html/SEC23.asp?frame=true (588 words)

	Treasury and IRS Continue Crackdown on Abuse of Life Insurance and Annuity Contracts
		Life insurance and annuity contracts receive favorable tax treatment in recognition of the importance of protecting loved ones against the potentially devastating financial consequences of death or the risk of exhausting savings while in retirement.
		Taxpayers should be able to purchase a life insurance or annuity contract secure in the knowledge that the contract complies with the tax laws.
		These rules must be updated so that life insurance and annuity contracts may evolve to continue to serve their important function and to prevent their use for purposes Congress did not intend.
	www.assetprotectionbook.com /abuse_crackdown.htm (461 words)

	Actuarial careers begin with Stewart Search!
		Manager will provide analysis and technical support to the risk management function of the actuarial department, including financial and risk modeling, preparation of reports and spreadsheets, communication of findings, maintenance of actuarial records and databases, and assistance with projects.
		This position also requires strong written and oral communication skills, the ability to identify and solve problems, a strong aptitude for mathematics and statistics, strong understanding of regulatory and economic issues related to the insurance industry, and demonstrated skills with database and spreadsheet software.
		Candidate will perform financial analysis and research functions; maintain system integrity; consult and provide actuarial advice; maintain, enhance, design, develop complex programs or spreadsheets; support financial models development; and provide support for processes like monthly financial forecasting, interest-rate calculations, financial value reporting, etc. You may update, maintain or design and create computer programs.
	www.stewartsearch.com /getregion_map.cfm?ID=4 (9852 words)

	Tax-Deferred Annuity- Reasons to Save (Site not responding. Last check: 2007-10-25)
		A tax-deferred annuity is a contract issued by an insurance company that appeals to savers who have maxed out their contributions to other options—like 401(k)s or IRAs—and want to save even more for retirement.
		Unlike other retirement savings accounts, there is no annual limit on contributions to your tax-deferred annuity, which is why an annuity can be a good way to catch up your retirement savings—like when you have extra money after paying for your children's college educations.
		Before purchasing an annuity, you should carefully consider its investment options' objectives, and all the risks, charges, and expenses associated with the annuity and its investment options.
	personal.fidelity.com /products/annuities/taxdeferred/taxdeferred_intro.shtml (352 words)

	[No title] (Site not responding. Last check: 2007-10-25)
		Integer specifying total number of payment periods in the annuity.
		Remarks An annuity is a series of fixed cash payments made over a period of time.
		The rate and nper arguments must be calculated using payment periods expressed in the same units.
	www-rohan.sdsu.edu /~vmurphy/FVFunc.doc (374 words)

	fixed annuity \| Nationwide.com
		Fixed annuities are a popular choice among investors who want a guaranteed interest rate and a stream of income that they can't outlive.
		Be sure to talk to your investment professional about how a particular annuity may fit into your individual retirement plan.
		Annuities are issued by Nationwide Life Insurance Company or Nationwide Life and Annuity Insurance Company, Columbus, Ohio.
	www.nationwide.com /nw/investments-and-retirement/annuities/fixed-annuities/index.htm (173 words)

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