An annuity is a lump sum invested by the policyholder with an intent to receive regular payouts after retiring until they pass away. If a person exceeds their estimated life expectancy, they are entitled to receive attractive returns on their annuity investment. The rate of return for every investor varies and is determined by some crucial factors such as deposit amount, current and expected tax rate, age, gender, investment term, withdrawal age, and minimum guaranteed interest. There might be additional factors based on the company you’re buying the plan from and the type of annuity chosen. Usually, an annuity is split into two categories, fixed and variable annuity. The former delivers a uniform rate of return for the entire term, whereas the latter adjusts the rate of return based on market conditions such as inflation. Comparatively, fixed rate annuities are preferred over the variable kind as they ensure guaranteed yields. Here are some companies offering the best fixed annuity rates for the year 2018. American Equity An investment life holding organization, American Equity offers annuity solutions in all the 50 states. Some of their plans like the Guarantee Series, RateShield Series 7, RateShield Series 10, and RateShield Series 10+ offer the best fixed annuity rates. Apart from traditional fixed-rate annuities they also serve multiple plans for fixed-index and immediate annuities. You can find some helpful resources on their websites such as customer service and tax forms, calculators, and blog. They have impressive ratings from recognized organizations such as A.M. Best®, The American Council of Life Insurers (ACLI), National Association for Fixed Annuities (NAFA), Standard and Poor’s®, National Association of Insurance Commissioners (NAIC) and Indexed Annuity Leadership Council (IALC). Fidelity Fidelity’s financial services involve an array of fixed annuities such as Deferred Fixed Annuities, New York Life Clear Income Fixed Annuity - FP Series and Immediate Fixed Income Annuities. The minimum investment range for these plans is from $5,000 to $50,000. These are designed for individuals saving for retirement, transitioning to the retirement phase or are already retired. Apart from annuities, they also sell investment products such as mutual funds, ETFs, stocks, bonds, IRAs, credit cards, 529 college savings, and life insurance. They have solid ratings from reviewers such as A.M. Best® and Standard and Poor’s®. MassMutual MassMutual offers a range of annuity solutions like fixed-deferred, variable, immediate-income and fixed-index. If you are looking for best income annuity rates from MassMutual then the most viable choice will be the Deferred Fixed Annuity plan which offers tax-deferred growth, principal protection, and death benefits. They also allow the policyholder to withdraw a specific percentage of the amount on an annual basis. Besides annuities, MassMutual renders services related to insurance, investments, and retirement. They have some remarkable ratings from accreditation agencies such as A.M. Best®, Standard and Poor’s®, Fitch, and Moody’s Investors Services. Lincoln Financial Group These providers have a variety of best income annuities. When it comes to fixed annuities, it deals with traditional fixed, fixed index, deferred, and immediate annuities. Lincoln MYGuaranteeSM Plus fixed annuity, Lincoln OptiChoiceSM fixed indexed annuity, and Lincoln Insured IncomeSM Immediate Annuity (SPIA) are some of their popular fixed annuity plans. Apart from annuities, they also manage services related to life insurance, education savings, family protection, and workplace benefits. They have admirable ratings from agencies such as A.M. Best®, Standard and Poor’s®, Moody’s and Fitch. Apart from the above-mentioned companies providing the best fixed annuity rates, you can also compare insurers like American National Insurance Company, ING, MetLife, and AllState for great plans. Choosing the best fixed annuity rates Unlike savings, checking, and money market accounts, annuity accounts are not insured by the government. Therefore, before you pick an annuity plan to inquire how the company plans to protect your investments. Furthermore, scrutinize factors such as annual and administrative fees, minimum guaranteed return, surrender fees, death benefits, accreditation, and company’s overall reputation. If you seem confused about making a choice, then check out customer reviews online to make an informed decision.

Sony Interactive Entertainment releases home video game consoles. The eighth generation of gaming consoles is called the PlayStation 4. The Sony game console does not require one to be online to play games. The first PlayStation was released in 1994 and now, in 2017, it is now also releasing PlayStation 4 limited edition consoles. One of these amazing PlayStation 4 limited edition consoles is the Destiny 2 Bundle 1TB PlayStation Glacier White Console. White is the launch color but it is also available in jet black, gold, and silver. This is a Japanese console that has a brilliant processor where loading and saving games are done quickly in a time-saving manner. Before this model, PlayStation VR was released in October 2016; this was another big hit. The VR could display a picture to the VR headset as well as the television. The VR headset enables a social screen video output like how we watch our television with better audio effects. Sony, in their other releases, is also working on the memory aspects of the home video game consoles. Sony PlayStation Vita Sim is nothing but a proprietary memory card that is more expensive than the usual SD card. The features include an internal memory of approximately 1GB, thinner and lighter than the usual cards, and greater main memory. For example, the usual PlayStation 4 500GB is fast selling but gamers usually prefer using the PlayStation 4 Slim for better storage capabilities and dual analog stick that enhances the gaming experience. Sony not only focuses on the software aspect but also on the hardware functions by releasing the Sony PlayStation 4 pro and more PlayStation 4 limited edition consoles. It is a better version of PlayStation with a mid-generational upgrade console and better graphics. It has a power compatible feature that can work well with any apps, accessories and PS4 games. The PlayStation 4 pro also has an extraordinary entertainment capacity with 4k auto-up scaling and streaming video content. This version also shows an increase in the number of limited games that are available for gamers. The gamers show positive reviews about the PlayStation 4 and even the PlayStation 4 limited edition consoles because of the additional accessories Sony provides in the pack set which makes it readily and easily usable. There are many accessories that come with the PlayStation 4 such as an HDMI cable, power cable, DualShock 4 controller, and a USB to charge it. The controller is usually available in different colors, and you can also customize it to your preference. Another advantage of the PlayStation 4 shows that it has a large gaming community where sharing and streamlining game moments with your friends becomes easier and faster. Sony Interactive Entertainment is working to attract the millennials of today through various techniques. With the advancement in technology, Sony Interactive Entertainment is enabling high-tech intensive features in the PlayStation 4 home video game consoles which are leading to high adoption rate and tempting buyers.

You need to prepare beforehand to file your tax returns around the end of every financial year. Suppose if you are busy and do not have much time you can request a six-month filing extension by submitting the right form to the internal revenue service. Form 4868 is the application for tax extension of time to file US individual income tax return. Requesting an extension is not a tedious task it can easily don't electronically or on paper. Electronic filing E-file is the electronic filing system of IRS which lets you send in tax forms including form 4868 straight to the IRS computers. By filing this form 4868 electronically through IRS e-file from your personal computer or with a help of tax professionals who uses e-file, the taxpayers can help themselves by getting an extension of time to file their tax returns. The IRS would notify you by sending an electronic acknowledgment which you can file along with your tax records. If you earn around $64,000 as an adjusted gross income you can use the brand name software at no cost from the free file. The taxpayers are benefited largely by this free file service with e-file options and free federal tax preparations. There is a tie-up between IRS and commercial tax software companies which offer fillable form tools for those who get a gross income above $64,000. Filing my mail Filing by mail is a substitute for electronic filing. You can also get the form 4868 in the paper version which can be downloaded from the IRS websites, if not you can also request for the form to be mailed to you by filling out an order form on the IRS website. Alternatively, you can also call to the IRS to apply for a form. But if you are a taxpayer who falls on a fiscal year it becomes a necessity to file form 4868 in paper form. Extension time from state levels Every state has its own rules and regulations for tax extensions. While some may offer a six-month period of extension to all taxpayers uniformly and others have to request for an extension of time by filing a specific form on or before your return's original due date. In certain states, the tax is never imposed hence you file neither a return nor an extension request. You can generate the form using commercial tax preparation software or it could be easily found in the state jurisdiction's website. As per the rules of the state authorities you can extend more time only to file your returns and not to pay your taxes. To avoid penalties and interest you can pay a sum that you might owe and present it as a payment to the tax powers.

Vitamin D, also known as the ‘Sunshine Vitamin’ is essential for our body. Vitamin D is vital as it helps the body to absorb calcium, the important mineral for promoting bone growth and maintaining bone density. While a large proportion of vitamin requirements are met through your diet, there are a very few natural foods that contain vitamin D. These include fortified milk and cereals, fatty fish such as salmon, sardines, and mackerel. The recommended daily dosage of vitamin D is 400 IU for children up to 1 year, 600 IU for those in the age group 1 to 70 years, and 800 IU for those aged over 70. Studies have proved that Vitamin D intake has an effect on reducing the risk of certain types of cancer, improves cognitive health, reduces the risk of multiple sclerosis, osteoporosis, and osteomalacia. Vitamin D is helpful to treat inherited disorders, plaque-type of psoriasis, and rickets as well. Hence, it is very important that you get the recommended dose of vitamin D. If inadequate, supplements can be taken under advice from a doctor. Here are some of the best vitamin D supplements that can help meet the recommended daily dosage. These supplements are the best for those who live in cold places and do not get sufficient exposure to the sun.

Nordic Naturals Vitamin D3

Each softgel capsule provides concentrated 5000 IU of vitamin D3, dissolved in olive oil and oleic acid (omega 9 fatty acid). Flavored with a natural orange extract, the softgels are preserved with rosemary extract. This is the pure source of vitamin D. It provides vitamin D3 in a purely concentrated form, ensuring that your daily needs are met by a single capsule. However, vegans might have to think twice as the softgel is made of gelatin.

Do Vitamins Daily D D3

If you’re a vegan, Do Vitamins Daily D offers your best source of vitamin D. Each capsule contains 2500 IU of D3, derived from plant sources. Lichens are used to source this vitamin. There is no chance of contamination with doping agents, making it a suitable supplement for sportspersons. With limited sources of plant vitamin D, the Do Vitamins Daily D is a tad expensive compared to other brands of vitamin D supplements.

Carlson Labs D3

The fast soluble D3 vitamin dissolved in safflower and corn oil is encased in a soft gelatin capsule, each delivering 1000 IU of the sunshine vitamin. Available in its most concentrated and pure form, this is one product that can meet your Vitamin D supplemental needs.

Nutrigold Vitamin D3

It is an allergen-free supplement and perfect choice for those who are allergic to products like soy, wheat or fish. These gelatin capsules are manufactured on exclusive equipment reducing the chance of any other additions. Each capsule delivers 1000 IU of vitamin D3. You get capsules delivering 2000 IU as well. With no compromise on quality, you’re assured to get your money’s worth.

Naturewise Vitamin D3

If you live in the extreme North, with hardly any sunshine to bank on, Naturewise Vitamin D3 is your best choice. Delivering 5000 IU per capsule, the main ingredients are vitamin D and olive oil along with gelatin and glycerin in the softgel encasing the vitamin supplement. With 360 capsules contained in each bottle, it’s total value for money. Although the recommended intake is set at a maximum of 600 IU per day, it is believed that the body on its own can synthesize several thousand IUs per day by sunlight exposure. Hence, the supplements deliver a higher concentration of vitamin D. It is best to monitor your vitamin D supplement intake as a higher intake of supplements can lead to several health issues which include nausea, constipation, disorientation, kidney damage, vomiting, weight loss, poor appetite, weakness, and heart rhythm problems. It is best to monitor the levels and adjust the supplementation accordingly.

RV Furniture is a trusted name offering best quality furniture as well as design. They are committed towards their work and their innovative designs make them different from other furniture companies. There are many customers who need old-fashioned and unique furniture, and RV Furniture offers a wide range of traditional designs. RV Furniture delivers the best quality to its customers. Their present-day products are accessible from dealers as well. Also, they love to customize the furniture according to the need of their customers. One big problem which commonly faced by the users is limited space, but with RV Furniture this problem is solved as they offer customized products which fit in the required space. The price of the furniture depends on the style and quality of the wooden piece. RV Furniture designs the pieces according to the requirement. You can use furniture made by RV Furniture for both indoor as well as outdoor uses. Let us look at some products offered by RV Furniture in detail: Oval Pedestal Table Oval Pedestal Table comes up with an 18 x 18 base. You can purchase this table at around $334.00. Size of Oval Pedestal Table is 27W X 36L X 30H and you can expand this piece up to 48 long. This marvelous Oval Pedestal RV Dining Table looks perfect in your dining room. This table consists of a self-contained, split leaf which uses double acting glides to expand the table length from 36" to 48". The 18" x 18" base of Oval Pedestal Table is meant to stand on the floor correctly. Space Saver Table Size of this table is 27W X 30L X 30H and users can expand it to 40". Usually, most tables are quite expensive, but you can purchase this piece by paying approximately $269.00. Space Saver Table consists of a simple pull out leaf which helps to extend the size of the table. Solid hardwood is used to make the Space Saver Table. For a well-designed area, the right choice of furniture is necessary as it extends the visual appeal of a space. You can easily use this table as it is handy and small. You can even put this one beside your bed as a nightstand. Classic Mini Up Coffee Table The cost of this coffee table is around $248.00. It is 21W X 26L X 16H in size. You can customize this table according to your space. You can put this table beside a bed, or on the couch as its small size is its great benefit. Offering snacks to guests becomes easy with the Classic Mini Up Coffee Table. You can easily clean this table too. This table supports bodily comfort as you do not feel any difficulty while using it. Contemporary Pie End Table This tables can be set up at any angle. The size of this table is 16W X 20L X 16H. The market value of the Contemporary Pie End Table is approximately $94.50. It is one of the most inexpensive tables in the market. You can freely put your things on this table, and set a relaxing atmosphere in your room. You can place this beside your bed or any other place, as it easily adjusts in any space. Also, it is made of good quality wood, therefore, it offers great durability. Classic Dinette Chair You can purchase this chair for around $107.50. You can choose your fabric accordingly to customize this chair. People usually want that their dining room to look superb, hence with the Classic Dinette Chair, you can customize it according to your needs. The size of this chair is 19H X 16D X 16W. A thick foam padding is used in this chair, and it is constructed with solid wood which makes it long-lasting.