Bayer Advantage Flea

Annuity Settlement Options: Annuitize Or Lump Sum?
Author: Gary Le Mon
Annuity settlement options can be puzzling. Many people have purchased annuities of all types for the tax deferral feature. For many retirees the time has come to make the shift from accumulation to payout. Here are some considerations to help determine what's best for you.
The most popular annuity settlement option is annuitization to take payments over a time frame that you select, which may include the rest of your life. When you annuitize, you receive payments (monthly, semi-annually, annually) in exchange for surrendering your annuity to the annuity insurance company. Your annuitization options usually include:
Lifetime Income
Period Certain
Period Certain Plus Life
Here is how Lifetime Income works. Let's say you have 0,000 in an annuity and the insurance company calculates that, due to your age and gender, it will pay you ,500 a month for as long as you live. You collect ,500 the first month, ,500 the next month, and ,500 the following month. Then you get run over by a truck and die. You bet the insurance company you would outlive your 0,000 and you lost. ,500 is all you get; they keep the rest. This is maybe not such a good deal.
Your second option is called Period Certain. This means you can take your money out over a period of 5, 10, 15, or 20 years. The insurance company guarantees to pay out all your money (plus interest) over that period. If you do not live to the end of the period, your beneficiary gets the remaining money in your annuity over the balance of the period. Live or die, you or somebody else gets back all your money.
The third option is Period Certain Plus Life. Here the insurance company guarantees to pay you a check each month for a certain period of time, plus, if you live beyond that period (even if you live to be 150 years old) you'll receive monthly income that you cannot outlive.
The choices are not so simple. A monk in a monastery, for example, may well expect to live to a ripe old age and do better with a Lifetime Income (Although I wonder what he would spend the money on). Someone with a terminal illness may want to take a lump-sum settlement or a 5-year Period Certain. Take a close look at factors such as your health and spouse's health, your age and spouse's age, other sources of income, and your tax bracket.
For more flexibility you could opt for Systematic Withdrawals. In this case, you would receive a fixed percentage of the account value or a fixed monthly amount. You could stop this arrangement at any time and simply withdraw your remaining balance.
Although Systematic Withdrawals appear to have advantages over annuitization, note these two differences: With annuitization as your annuity settlement option, you can lock in a guaranteed monthly income regardless of the performance of your annuity. In addition, annuitization lengthens the tax deferral period since only part of each payment is taxed. The IRS considers the other part of your payments a return of principal.
Finally, you may want to just keep the annuity growing and not take payments at all. Some annuities, however, do not allow this and force withdrawals by a certain age. One option for you is a tax-free exchange to another annuity that may have more liberal withdrawal requirements, but watch out for surrender charges on your existing policy.
You probably never thought getting a check could be so complicated. It's really not as messy as it sounds. In fact, I have annuity agents all across America who specialize in solving such problems. There is no charge or obligation. To have your choices compared, we would be happy to review any type of annuity settlement option and figure the most appropriate withdrawal option for you. Just click on Professional Review and fill out the form.
Frequently Asked Questions
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QUESTION:
Can I use Bayer Advantage flea treatment for dogs on my cats?
I have a yellow lab who has fleas. I treated her with Advantage 100. Can I use the same stuff on my cats if I use a lot less? Is it the same ingredients?-
ANSWER:
Never, ever use flea product intended for dogs on cats. You will likely not get the dosage right, and depending on the brand, it could really make your cat very sick.
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QUESTION:
What is the best place on the web to buy Bayer Advantage Flea Control?-
ANSWER:
The only safe place to buy your products is your vet. Most will price match, just ask them. Since it is a Rx, only licensed vets should be selling it. Be aware the Frontline and Advantage are made in the US. Some products are designed to look like these, but are made in other countries. These knock off products are not only ineffective, but can be dangerous.
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QUESTION:
Bayer Advantage for fleas?
I used bayer advantage for fleas on my 3 cats 3 days ago. I have found one flea on each of them today but when i put the flea in my finger it just kind of ran around it couldn't jump away. Is it normal to keep finding fleas? The website and vet both told me after 48 hours I should find no more fleas? Has this happened to anyone else?-
ANSWER:
It's normal to find stragglers around this point- the one you observed was weakened from the toxins in the flea treatment and was dying. The website does say 48 hours but in my experience it can take a little longer than that for them to die off.Make sure your house is treated too- most of the fleas aren't coming from the cat, but from your surroundings. If you haven't already, be sure to vac the rugs, wash any loose fabrics like curtains, drapes, bedding, etc and make sure the floors have been washed. When you kill the fleas in the environment, you ruin their chances to re-infest the cat.
Do the Advantage every month and I guarantee you'll always be flea-free.
Best of luck winning the battle against these pesky insects.
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QUESTION:
Is there a difference between k9 advantage and bayer advantage for dogs?
I went to petco and was going to try the advantage meds for fleas and when I got home I saw it said bayer advantage. How much difference is there. I got it because it had a 4 month supply versus 3. They said the frontline and advantage were about equal in effectiveness. I do have him on sentinel tabs too
What is bayer advantage. Or is that the same as k9 advantage I bought it from petco was in a locked case-
ANSWER:
Advantage:
•kills fleas quickly, which helps reduce the risk of secondary problems such as flea allergy dermatitis and tapeworms
•within 12 hours, 98-100 percent of fleas are dead
•Flea larvae is killed in the pets surrounding following contact with an Advantage treated pet.
•kills 100% of chewing lice within one week and lasts for a full month1
•waterproofK9 Advantix is the only topical product that repels and kills ticks, fleas and mosquitoes while repelling biting flies and killing chewing lice too.
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QUESTION:
Which advantage flea removal do you use on rabbits?
I know that it is the advantage by bayer but which one by bayer are you supposed to use?Also if anyone knows what stores carry it please tell me.
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ANSWER:
I would recommend that you use the tubes from Advantage for cats the same weight as your rabbit. Advantage is the only tube flea removal proven to be safe for rabbits. I think that some Advantage tubes for cats are also labeled for rabbits, but I would use one for cats of the same weight. In order to double check, call your rabbit savvy vet to assist you.The biggest difference between dog and cat flea tubes are the amount of active ingredient. A large dog has more room for fleas, therefore needs a larger dose of active ingredient.
The tube should be available at any pet store, but you can purchase it online if you can't find it in stores.
I recommend this site for more about flea treatments:
http://www.allearssac.org/fleas.htmlThis is a House Rabbit Society article. It states that "Dr. Brick says you will likely never find a product that is marketed especially for rabbits, simply because it wouldn't be cost-effective for manufacturers to focus on such a small group of pet owners. However, she points out, many of these cat-and-dog products are first tested on rabbits, prior to being approved and mass-manufactured. If in doubt about any particular product or approach, of course, the safest and smartest thing to do is to consult your veterinarian to double-check."
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