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Annuities will also be exchanged for different annuities by way of a 1035 change. This allows the annuitant owner to change his or her current annuity for a more relevant annuity for their present situation. A 1035 alternate has two main tax benefits over surrendering an annuity. it may well assist ... examine extra ˅
Annuities may also be exchanged for different annuities by means of a 1035 trade. This allows for the annuitant proprietor to alternate his or her present annuity for a extra appropriate annuity for his or her present circumstance.
A 1035 trade has two main tax benefits over surrendering an annuity. it might support the owner offer protection to their foundation within the annuity if the annuity has a lower account value than basis (as their basis will lift over to the brand new coverage) and may allow any tax-deferred boom to be transferred with out triggering a taxable experience.
youngsters, exchanging your latest annuity for a different is not at all times the smartest thing to do. Any trade ought to be executed carefully and after inspecting all that you just could surrender by means of exchanging your current annuity. as an example, the new annuity might have better charges or charges, an extended give up length, or lessen ensures. also be conscious that the long-established annuity could be area to a hand over charge for a set length of time, so it is often most reliable to wait except that time horizon has handed before exchanging the annuity.
investment advisory services offered via CWM, LLC, an SEC Registered investment guide. Carson group partners, a division of CWM, LLC, is a nationwide partnership of advisers.
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for most americans the word ACT is a verb, but for prime school college students throughout the nation ACT capacity American college test, a curriculum- and specifications-primarily based educational device that assesses college students' educational readiness for school. each 12 months tens of millions of excessive faculty students take the ACT, and how smartly a pupil fares can play an incredible position in what happens after high school.
With that in intellect, the administration and body of workers at Chalmette excessive school currently held an ACT forum for college students and oldsters at the school. The morning's application changed into a whole lot of classes each and every designed to supply members some insight into the layout, expectations, and methods of the look at various.
The discussion board all started within the CHS Theater with a normal session hosted by way of Superintendent Doris Voitier, who began her teaching career as a excessive school math instructor. She stressed both leading applications of the ACT – admittance and money.
"faculties used to make use of the ACT for placement applications, but times have changed, and now all of the top tier public universities in the state require a minimum ACT rating for admittance. That has expanded the value of achieving that score here in excessive faculty," she pointed out.
Voitier additionally spent time explaining the fiscal ramifications of a pupil's ACT rating. She mentioned that a 20 composite rating on the examine is required for college kids to receive TOPS - the Taylor opportunity application for college students.
"The test is terribly essential as a result of If a pupil has a composite score of a 20 or above and continues his grade aspect general, it guarantees 4 years of lessons-free training," she stated.
Voitier said that the bigger the ACT score, the extra alternatives a scholar has for scholarships and other monetary advantages.
After Voitier's presentation, college students and fogeys took half in 4 mini-sessions held on the school's 9th Grade Academy. Led through lecturers, directors and educational coaches, every session highlighted a different point of the ACT.
as an instance, one session broke down the exact time dispensed and the number of questions about each part whereas a further session explained how to interpret the rankings and what each score capability going forward.
After attending each of the four mini-periods, contributors had the possibility to satisfy with the high school counselors for a Q and A session and to register onsite for the next ACT test agenda for October 25.
Will Schneider, a CHS Assistant major and one of the most morning's presenters, spoke of the discussion board changed into advisable for a few factors.
"To have so many students take part and quit their Saturday morning for this discussion board says plenty about them and their fogeys," Schneider referred to. "The improved informed and prepared they're, the extra a hit they will be. i'm actually happy with everybody here at Chalmette high coming collectively to support make this adventure such a hit. I comprehend it will pay off in the conclusion."
SANTA CRUZ — Mount Madonna school will host the first of two movie screenings that determine the ACT and SAT look at various business. “The examine and The art of considering” documentary can be proven at 6:30 p.m. Thursday on the resource core for Nonviolence, 612 Ocean St.
There can be yet another screening at 6:30 p.m. Feb. 28 at the community Playhouse in Morgan Hill.
Tickets are $5 and after the film, a discussion board should be held to talk about the screenings.
in keeping with a Mount Madonna press release, more than 3 million high faculty students take the Scholastic Aptitude test and American faculty testing, extra often usual because the SAT and ACT, every year. in the past, there were questions referring to what the exams truly measure in addition to how they investigate college readiness. “The test and The art of pondering,” presents an array of interviews with students, parents, counselors, and examine-prep consultants that provide insight into the questions that challenge the checking out trade as smartly because the American training system that upholds them.
in keeping with the film, eighty % of excessive college graduates will take these checks.
“a lot of power and be troubled goes into considering in regards to the look at various,” Mount Madonna college’s Director of upper faculty, Shannon Kelly talked about. “Many excessive schoolers are pondering it a whole lot.”
in accordance with the Manhatten review, the SAT turned into first administered to college students in 1926 as a method to boost college students to entry higher education.
“It (the test) became really supposed to stage the playing box,” Kelly spoke of.
The examine introduced an equitable opportunity between pupils enrolled in public and private schools. The look at various would enable the educationally deprived college students to show off their tutorial ability.
according to an announcement from Mount Madonna, extra prosperous families are in a position to pay for services comparable to tutors and courses that ensure success on the check. This gifts an fairness challenge as the families who do not share the equal fiscal components aren't capable of permit their newborn to beginning from the same educational standpoint once they take the test. The assessments initial goal of determining the highest quality and brightest comes right down to who is more suitable informed to take the look at various.
“i am committed to assisting excessive college college students navigate the college utility technique,” Kelly noted. “it is such an exhilarating time in their lives, and i need college students to discover the numerous options purchasable to them. although many colleges have become examine-non-compulsory, the vast majority of schools nevertheless require SAT or ACT scores. it is irritating to peer how a lot time and money families spend getting ready for the SAT and ACT, and how a great deal anxiety these assessments produce in students.”if you go
What: ‘The verify and The paintings of considering’ movie screening.
When: 6:30 p.m. Thursday.
where: The useful resource middle for Nonviolence, 612 Ocean St., Santa Cruz.
tips: Watch the film trailer.
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If you don’t want to submit your ACT or SAT scores with your college application, that’s not a problem — at NYU. The private university in New York City, which boasts one of the most flexible testing policies in the country, allows applicants to send in a variety of different materials to fulfill the standardized testing score requirement. Prospective students can send in everything from an International Baccalaureate (IB) diploma to multiple AP exam scores.
UT isn’t so flexible. If you’re applying as a freshman, you have the option to submit either your ACT or SAT scores. That’s it. The University, specifically the Office of Admissions, should consider transitioning to a test-flexible policy that gives students more options. This is an opportunity for UT to set the standard for public universities in the state of Texas and join the growing list of schools nationwide who are treating their applicants as more than just a test score.
Miguel Wasielewski, the executive director of admissions, notes the almost unrivaled access high school students across the country have to the big standardized tests, which have become a staple of the American college application experience.
“The SAT and ACT tests are widely accessible to all students, regardless of their high school or geographic location,” Wasielewski said via email. “Both the ACT and SAT also provide test fee waivers so that the test or its costs are not a barrier to students.”
SAT and ACT exams are indeed available to high school students nationwide and provide accommodations to low-income students.
But whether or not a student performs well on these standardized tests is directly related to their socioeconomic level. Companies such as The Princeton Review stake their livelihoods on students investing in preparatory materials — their SAT private tutoring classes start at $150 per hour, and on their website they encourage students to invest in $1,400 packages that guarantee a 31+ score on the ACT.
Preparatory materials are expensive, but they work. This means that a disproportionately large amount of the students who do well on standardized tests have the money to pay for the prep. Standardized test scores reflect more than just intelligence.
If a prospective student can’t afford SAT or ACT prep materials, is that taken into account when UT reviews their application? According to Wasielewski, “the test scores are considered as a one of the many components of information in the holistic review.” Accepting other forms of test scores in addition to SAT and ACT scores, like those from the relatively inexpensive AP tests or an IB diploma, would benefit both applicants and the University. Most public high schools offer AP or IB-affiliated classes, but few offer standardized test score preparation.
Standardized tests such as the ACT and SAT are not indicative of a prospective student’s overall intelligence or potential success, just of how well they can, or have been taught to, take tests. According to a study conducted across 33 test-flexible public and private universities in 2014, there are no distinguishable differences in cumulative GPAs or graduation rates between those who submit their standardized test scores and those who don’t.
And from what it looks like, colleges have begun to acknowledge this — according to FairTest, a national organization promoting test-optional and test-flexible university admissions policies across the United States, there are “more than 1,000 accredited colleges and universities that do not use ACT/SAT scores to admit substantial numbers of students into bachelor-degree programs.” And the list is growing.
NYU is a huge school, and consistently receives more admission applications than UT — yet its admissions office has adopted an impressively flexible policy when it comes to which test scores applicants are allowed to submit. If UT reviews all of its applicants as holistically as it says it does, you can’t help but wonder why such a stringent test policy is implemented in the first place.
Caldwell is a Latin American studies and journalism sophomore from College Station.
Nearly 500 people filled the Menlo-Atherton High School Performing Arts Center on Jan. 16 to hear experts talk about how the college admissions process has changed over the last two decades.
Alice Kleeman, who served as M-A's college adviser for 20 years and led its College & Career Center, sat down with Angel Perez, a vice president of student enrollment at Trinity College in Hartford, Connecticut, at the event, "Twenty Years in College Admission -- What Has Changed, What Hasn't: Reflections from Both Sides of the Desk."
A main takeaway from the night was that more has changed than stayed the same since both Kleeman and Perez started in the field about 20 years ago.
The event was part of the Parent Education Series, a Sequoia Union High School District program in which experts in subjects like academic success and student well-being discuss their fields with district parents, staff and community members. Kleeman took audience questions at the end of the event, which was attended mostly by parents.
Both speakers agreed that students are more stressed about the college admissions process than they were 20 years ago.
There's more of a culture of perfectionism today, Kleeman said. She used to tell students that they shouldn't be so burned out that staff has to "scrape (them) off the floor" when they arrive at college.
Students Kleeman worked with experienced "competitive stress," she said. For example, a student would say he stayed up until 3 a.m. studying for a test and another student would reply that she studied until 4 a.m.
Twice as many students at Trinity are using the counseling center because of stress compared with 20 years ago, Perez said. About 76 percent of roughly 77,000 undergraduate students surveyed in a spring 2018 American College Health Survey said they'd experienced overwhelming anxiety in the last year.
"High school students are on this marathon for four years, and the goal is to get to 'XYZ' college, then they go through another extraordinary marathon (in college)," he said. He added that this generation of students is more comfortable seeking mental health counseling than students 20 years ago, which helps them cope with stress.
Some colleges are making it optional for students to submit standardized test scores from the SAT or ACT with their applications. There are now more than 1,000 accredited colleges and universities in the U.S. with bachelor degree programs that have test-optional admissions policies, according to FairTest, a nonprofit striving to "end the misuse and abuse" of standardized tests.
"The test-optional movement is really a movement to try to relieve some of the pressure on students and families in a test-obsessed culture," Perez said. "People like me (college admissions officers) have found the best predictor of success in college is actually not the SAT or ACT; it's actually grades. ... Why do we make students jump through hoops?"
He said that admissions offices try to look at all of the student's qualifications - including their letters of recommendation from teachers and essay submissions - and are familiar enough with the rigor of different high schools to know what an A grade means at each school.
"Folks believe testing will be an equalizer, but there is a strong correlation between wealth and doing well on the SAT," he said.
College costs have skyrocketed in the last 20 years.
In 1988, the average tuition for a private nonprofit four-year college was $15,160 in 2017 dollars. For the 2017-18 school year, it was $34,740, a 129 percent increase, according to College Board's report, "Trends in College Pricing 2017."
Students at public four-year institutions paid an average of $3,190 in tuition for the 1987-88 school year, with prices adjusted to reflect 2017 dollars. Thirty years later, that average has risen to $9,970 for the 2017-18 school year, a 213 percent increase.
Students today may go to their second-, third- or fourth-choice college - even when they get accepted to their first-choice school - if the school offers a better financial aid package, Kleeman said. A student will end up being just as satisfied in college, she said, if he or she doesn't attend the first-choice school.
"This (going to a second-, third- or fourth-choice school) is not a tragedy," she said. "It's not even sad."
The college financial aid system is broken and doesn't take into account differences in cost of living across the country, Perez said. Tuition costs are far too high, too, he said.
"There is nothing normal about paying $70,000 to $75,000 for a private college education," he said. "If anyone has ever tried to fill out a FAFSA (Free Application for Federal Student Aid), it is the most soul-sucking experience in your life. It's cumbersome and bureaucratic."
More students are also choosing to go to community college before attending a four-year institution to save money, Kleeman noted.
College rankings have become more prevalent in the last two decades, Kleeman said. As an adviser at M-A, she made a point of not mentioning college rankings or having a copy of U.S. News & World Report's college rankings list in her office.
College rankings don't tell students how good a fit they will be at a given school, Perez said.
"In my personal opinion it's one of the worst things that's happened in college admissions," he said.
For more on the Parent Education Series, go here.
A recording Kleeman's discussion with Perez can be viewed here.
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Heart disease is the leading cause of death for men and women in the United States.
Perhaps the last thing you think about on a daily basis is your beating heart that makes your body function each and every day. It’s something we take for granted that should be more of a focus.
Recently the American Heart Association and the American College of Cardiology released updated cholesterol guidelines to help with prevention and treatment. Since high cholesterol is a significant risk factor for heart disease, the new guidelines will help physicians make more detailed, individualized treatment plans for patients.
The main thrust of the guidelines is dietary and lifestyle changes. Most importantly, adhering to a nutrition plan like the Mediterranean diet which emphasizes eating fresh, whole foods and less processed and high fatty foods.
Dr. Drew Purdy, Cardiologist with Regional Health Heart and Vascular Institute, says, “That’s why the American heart Association and everybody talks about color … because you want fruits and vegetables and all those sort of things that are bright colors. And any fruit or vegetable is going to be better for you than red or other processed meats.”
And one of the most important components for health is exercise, a recommended 30-45 minutes of continuous exercise 4 days a week.
Even people who look unassuming could be at risk due to family history of heart disease – a major risk factor is genetics, so if your siblings, parents or grandparents particularly had heart disease before the age of 65- you are at a higher risk.
Taking care of your health early in life is vital.
“Cholesterol is an inherited disease and so there are things that you can do to make a difference, you can lower the bad (LDL) probably 10 or 15% with a diet and we can raise the good (HDL) with exercise,” notes Purdy.
High cholesterol usually has no symptoms. That’s why it’s important to have your doctor check your cholesterol levels. A simple blood test will shed light on your cholesterol levels and allow you to make informed decisions about your health. And now there is no recommendation to fast before the test.
Purdy says, “Routinely, it probably should be checked every year because the levels tend to increase over time. Initial screening about age 18 and then probably every five years after that, but probably when you get into the 50 range, that is where people really start developing more plaque and problems, then probably yearly with a routine physical examination you should get it checked, because it does change over time and it can go up with age.”
Click here for more information on the new cholesterol guidelines.
The Rapid City Heart Ball will be held February 23rd, an evening of dining and dancing to raise money and awareness for heart health.Tags: American Heart Association, blood test, cholesterol, diet, exercise, February, guidelines, HDL, Health, Heart Ball, heart disease, LDL
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