The Sealy News (Sealy, Tex.), Vol. 118, No. 26, Ed. 1 Friday, April 1, 2005 Page: 6 of 18
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WWW.SEALYNEWS.COM
THE SEALY NEWS
PAGE FRIDAY, APRIL 1,2005
Don't rush into Equity-Indexed Annuities
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STEVE ULSH
Financial Focus
Horse Owner's Workshop
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Reznicek completes vet certification
1 DESSERTS AVAILABLE
Sildull ^iate $1.00
II
Servicedirectory
HOUSE LEVELING
CARPENTRY
STORAGE
FARM EQUIPMENT
INTERIOR DESIGN
TRANSMISSION
DOZER WORK
FATERKOWSKI’S
FENCES
INTERNET ACCESS
II
ISTRY
“YOUR LOCAL ACCESS TO THE INTERNET”
TREE SERVICE
IRRIGATION
HOME REMODELING
JEFF BERRY
(979)865-5450
MONUMENTS
ELECTRIC
40
t Company
Monuments • Markers • Mausoleums
1^ Clyde E. Drake & Lynn Drake
HOUSE BUILDERS
ROOFING
1
WORKS!
Call Camille or
STEINHXUSER’S
N.D. Brast
TRANSMISSION
TAMCO FENCING SERVICE
(979) 885-7852 (713) 503-5315
Dealing with
Hepatitis C
(Sunday, ^pri! 3. 9005
10:30 am to 1:00 pm
Your Home
Town Builder
* Bonded * 40 Years Experience
* Any Size Job -A FREE Estimates
Joanie to place an ad
979-885-3562
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P
THE SEALY NEWS
SERVICE DIRECTORY
1983 Dorthy Lane
Sealy, TX 77474
Hour: 979-885-7111
Ceil: 979-877-4731 J
Donnie Strieder
Sales Representative
979-357-4638 or
1-888 423-5733
www.industrylnet.com
inet@industryinet.com
Industry, Texas
★ Organized Alphabetically By
Category
★ Runs every issue
★ Ads available in two sizes
1537 Hwy 36 North
P.O. Box 818
Sealy, TX 77474
DISCOUNT TREE SERVICE
Trimming • Removal • Spraying
Fertilizing • Planting
Free Estimates
1-800-245-3428
Cell: (713) 385-2768
Fax: (979) 885-6454
• bib
vien
Chicken Fried
Steak Dinner
MILTON
‘PETE’
SCHILLER
Odds and Ends
Sealy Tractor, Inc.
(979) 885-3595
D&D REMODELING
Complete home improvements & repairs.
REPUTATION BY RECOMMENDATION
(979) 885-1199
Call Camille or
Joanie to place an ad
979-885-3562
Remodeling
Painting (Interior/Exterior) • Add-ons
Hardi Siding • Cabinetry
General Carpentry
979-478-6420
Rudy
Fojtasek
Sales Representative
EAGLE LAKE HOUSE LEVELING
Pier & Beam
We replace all rotten seals • In business for 30 years
(979) 234-3670 • (979) 733-0508
ii
April 15, 2005
6:00 pm at Sealy KC Hall
sponsored by:
STORAGE AND MORE
Store Boats, RVs, Cars, Trailers,
Hobby & Personal Items
979-865-3000. www.8torageandmore.com
PAINT • WALLPAPER • PICTURE FRAMING • DRAPERIES
BLINDS • FLOOR COVERINGS • CARPET
SEALY DECORATING CENTER
Decorating Products and Services
IN N. HARDEMAN • (979) 885-3264
Hours: 8:00 a.m.-5:30 p.m weekdays • 8:00 a.m.-Noon Saturday
RAGERSTREESERVISE
• Spraying & Fertilizing • Planting • Lot Clearing • Pruning - Trimming
• Top & Shape • Thee Removal • Bucket Track Service • Stump Grinding
(979) 836-4517
These variables mean that
you could receive less than
what you expect.
• Access to your money -
If you cash out your EIA
early, you may have to pay .
a sizable surrender charge
(and a 10 percent penalty
tax if you’re under 59-1/2).
Some EIAs also require you
to forfeit your index-linked
interest if you surrender
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ANPROFESSIONAL
(g^) DOZER WORK
V > --PAUL NAVA
Site Prep • Land Clearing
Ponds & Roads
16584 Hinkel Road • Cat Spring, TX 78933
Mobile: 281-615-5772
Home: 979-992-3683
Pager: 1-800-221-6163
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www.HeanlandHomesofTexas.com
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METER LOOPS COMPLETE WITH POLE
200-AMP - $375.00 • 100-AMP - $275.00
AUSTIN COUNTY WHOLESALE ELECTRIC
1701-B HWY. 90 W» SEALY, TX
979-885-6294
The treatment was a new
medication to fight HC and
cancer. The new medication
came in two vials and nee-
dles. You were to handle
this mixing of the medica-
tion and injection. I pre-
‘Deep cFried (Steak ((Special Drydek diecipe) O j l
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J S:Marys ^rydek Parish ^all 2 1
9 “Waiting ■
Oat at ‘Parish ‘Dall or ‘Take ‘Dome
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your contract early or
choose not to begin taking
payments when the con-
tract matures. Together,
these charges can reduce,
or erase, your return.
• Lack of regulation -
Unlike variable annuities,
EIAs are generally struc-
tured so that they are not
Other alternatives you want some equity expo-
Do your homework before sure, then a variable annu-
making any EIA purchase ity may be your best choice,
decision. If you’re an annu- If you owned both, you
ity buyer looking for a could get the guaranteed
guaranteed rate of return, rate of return you need and
you should probably con- the upside potential you
aider a fixed annuity. If desire.
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979-877-4408
979-877-8557
Land CLEARING • Ponds • Pads • Roads • FENCES
INSURED MICHAEL BOLTEN
3384 FM 949, SEALY OWNER/OPERATOR
She practices exclusively Securities Dealers (NASD)
in Animal Chiropractic Web site at www.nasd.com
and treats both large and and type in “equity-indexed
small animals in and annuities” in the search
around the Bellville area. area. Here are a few other
For more information items to consider:
visit www.DrReznicek.com • Complexity - An EIA is
or www.animalchiroprac- not a simple product to
tic.org or call 979-877- grasp. That’s primarily
5690. because the return does not
ferred to let my son-in-law pounds, it’s scary. My doc-
do this for me. He had tor pulled me off the med-
grown up watching his ication after 3 1/2 months,
father self inject insulin for which was at one injection a
diabetes for years. week which mounted to 14
The HC is a very rough treatments.
ordeal. I was to take the A group of specialist with
treatment for 6 months the VA System studied and
with one injection a week, discussed my medical situa-
My body’s age pulled my tion. At first they wanted to
health down to low levels, treat the cancer. At the sec-
Your legs ache for 2 or 3 ond meeting their decision
days causing you to wobble was changed. The doctors
like a drunk or an old duck, decided to treat me for
The staggering walk stayed Hepatitis C hoping the
with me. I have to move treatment kills the HC bac-
slowly and at home a walk- teria and aids the cancer
er helps. With built up con- fight. I made up my mind to
crete and steps it’s best to start the treatment. It’s a 6
use a walking cane, month ordeal but they
Another problem is if you stopped my treatment at 3
kneel down you have a 1/2 months. You can quit
problem arising. In this the treatment at anytime,
case it’s best to be where One on my draw backs was
you have some stationary a low blood count,
object inside and outside the Numerous people and
house. Sometimes you have churches are praying for
to hope someone can help me. I want to say what a
you get back on your feet. great miracle was pre-
Your appetite fails you formed in my behalf and
terrible. Sometimes when that God was my healer,
you eat you get sick. You One laughable ordeal is a
usually lose a lot of weight, belt does not help to hold
If you only weigh 140 my pants and blue jeans up,
pounds and the treatment so I had to go the suspender
makes you loose 10 to 15 route.
I Do Tree Work -C
Complete Tree Farm* Liv* oaks $10 and Up J /
Tree Service Removal • Trimming, Planting M
BRYANT SCHILLER (979) 865-0680 "W
Veterinarian Dr. Linda
Reznicek recently traveled
from Cat Spring to Illinois
to complete a certification
program in Animal
Chiropractic.
She completed her pro-
gram and was certified in
Animal Chiropractic by
the IVCA in September.
perfectly correspond to the
market index to which the
annuity is linked. Instead,
the index-linked interest
rate you receive will
depend on the terms of the
contract. You need to
understand the calculation
used to determine what
percentage of the index
gain will be credited and
what limits apply. (Most
EIAs put a cap on the
return you’re allowed to
earn.) There are also sever-
al methods used to deter-
mine the change in the
index, which can affect the
calculation. Finally, most
EIAs only count the index
gains from market price
changes, excluding any
gains from dividends.
Every so often, a new
investment product comes
along and attracts a lot of
interest from investors -
but not a lot of scrutiny.
That might be the case
with “equity-indexed annu-
ities.” Sales of this insur-
ance product have grown
dramatically in recent
years, but evidence may
suggest that many
investors do not know all
the facts before they buy.
Issues to consider
An equity-indexed annu-
ity (EIA) actually has char-
acteristics of both fixed
annuities, which pay a
fixed rate of return, and
variable annuities, whose
returns depend on the
investment options select-
ed. An EIA provides a min-
imum guaranteed interest
rate (guarantees are
backed by the claims-pay-
ing ability of the issuing
insurance company) com-
bined with an interest rate
linked to a market index,
such as the S & P 500.
The EIA’s interest rate is
typically lower than that of
a fixed annuity. However,
due to the market-index
factor, an EIA offers poten-
tially higher returns than a
fixed annuity - along with a
higher level of risk. On the
other hand, an EIA is gen-
erally less risky than a
variable annuity, but, at
the same time, its “upside”
potential is more limited.
While the EIA may
appear to have some
attractive features, you
should take a closer look at
one, before making a pur-
chase decision, by going to
the National Association of
AUTOMATIC GATE & ACCESS
CONTROL SYSTEMS
• Chain LinkNWood • Gates (Tiffime.ems-s
• Vinyl • Ornamental Iron 905=
• Pool Enclosures • Ranch Fence U.*
"Serving Austin, Washington and
surrounding counties. ”
Mark Wendel • 979-277-4408
RGA
OFINIG
30 Yars & Sheet Metal Free
Experlence Esmates
References • Resume • Commerclal * Residential
Expert Historical Restoration • Insured • 24Hour Service
Compositon Roofs • Roof Repairs • Gutters • Custom MM 8 Tim
David F. Morgan - Owner
979.885.4214
Austin, Washington & Surrounding Counties
qATON4,, Texas Irrigation &
.5 Pipe LLC
j 6 Installation, Sales &
* Service since 1983
( Licensed & Insured
Custom Designed Lawn Sprinklers
Commercial - Residential - Maintenance
Certified Backflow Testers
Free Estimates - Financing Available
979-732-3970 800-327-6787
Licensed Irrigators No. LI1373 & LI9459
www.taxaslrrigation.com
registered with the •
Securities and Exchange I
Commission (SEC). And 1:
EIAs are primarily sold by V.
individuals who are not
registered to sell securities;
these individuals may not |
look at your entire finan- l
cial picture before recom-
mending an EIA.
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Griffin, Joanie & Horecka, Bobby. The Sealy News (Sealy, Tex.), Vol. 118, No. 26, Ed. 1 Friday, April 1, 2005, newspaper, April 1, 2005; Sealy, Texas. (https://texashistory.unt.edu/ark:/67531/metapth1531482/m1/6/: accessed July 16, 2024), University of North Texas Libraries, The Portal to Texas History, https://texashistory.unt.edu.; crediting Virgil and Josephine Gordon Memorial Library.