Live Dealer Casinos – A Fad Or the Future?

There have been online casinos around for a long time, with each of them offering various versions of roulette, blackjack, baccarat, and poker with random number generators. With the evolution of new technologies, casinos now have the ability to offer games with real dealers in a live casino environment. This new ability has all of us looking at online casinos and wondering if the new live dealer casinos are fads or the future of online casinos.

There are a lot of advantages to playing roulette or blackjack in a live dealer casino. One of the most important advantages is the social networking that can be made through chatting with the dealers or the other players. This kind of interaction can’t be found while playing RNG games, and will only be found either playing in a brick and mortar casino or in an online live dealer casino. It is always nice to join a game and have the dealer greet you by name, or to be able to converse with the other players at the table.

Another great advantage to the live dealer casinos is the ability to see the game as it is being played real time. You can watch as the cards are being shuffled and dealt when playing live blackjack, or watch as the roulette wheel spins and the number comes up when สล็อต 918kiss playing live roulette. Real people are dealing the cards or spinning the roulette wheel, real people that you can see and hear. When you have the ability to watch these actions, it means that you can be sure that the final result is authentic. I don’t know about you, but I find it comforting to watch to roulette ball as it drops into the number wheel, and then hear the croupier call out the number, as it is happening.

Some casinos, such as LuckyLive Casino or DublinBet Casino, have cameras set up in real brick and mortar casinos, like the FitzWilliam Club in Dublin, Ireland. The dealers at these casinos work for the casinos and are filmed live as they are working. You will see other players at the roulette table or sitting at the blackjack table, and you can hear the noise of the live casino in the background. This feed is then streamed into your computer through software, such as Distance Gaming Software. The images that you see on your computer are real time, with virtually no lag time whatsoever.

There are some casinos, such as Celtic Casino or Europa Casino, that film the games from a studio with live dealers in a casino setting. Since this is all filmed in a studio, there won’t be any of the background noise that you will find at other live dealer casinos. Although the dealers are in a studio environment, you can rest easy that all of the dealers are thoroughly trained to the standards of the dealers who work in Las Vegas or Monte Carlo. They are all professional, courteous, and extremely competent casino dealers.

Whether you decide to play in a live dealer casino that is filmed from a real brick and mortar casino or from a studio, you will find the same level of professionalism that you will find at any casino around the world. The graphics are excellent and the technology just keeps getting better. You will find casinos that do not require any download, and some live dealer casinos offer instant flash casinos which can be played almost immediately. One thing that all of the live dealer casinos can offer is the realistic experience of playing at a live casino without leaving the comfort of your own home. So, grab a beverage of your choice and play some live roulette or live blackjack in one of the new live dealer casinos. You won’t be disappointed. Good luck to you!

10 Awesome Tips About Online Casinos From Unlikely Sources

There have been online casinos around for a long time, with each of them offering various versions of roulette, blackjack, baccarat, and poker with random number generators. With the evolution of new technologies, casinos now have the ability to offer games with real dealers in a live casino environment. This new ability has all of us looking at online casinos and wondering if the new live dealer casinos are fads or the future of online casinos.

There are a lot of advantages to playing roulette or blackjack in a live dealer casino. One of the most important advantages is the social networking that can be made through chatting with the dealers or the other players. This kind of interaction can’t be found while playing RNG games, and will only be found either playing in a brick and mortar casino or in an online live dealer casino. It is always nice to join a game and have the dealer greet you by name, or to be able to converse with the other players at the table.

Another great advantage to the live dealer casinos is the ability to see the game as it is being played real time. You can watch as the cards are being shuffled and dealt when playing live blackjack, or watch as the roulette wheel spins and the number comes up when playing live roulette. Real people are dealing the cards or spinning the roulette wheel, real people that you can see and hear. When you have the ability to watch these actions, it means that you can be sure that the final result is authentic. I don’t know about you, but I find it comforting to watch to roulette ball as it drops into the number wheel, and then hear the croupier call out the number, as it is happening.

Some casinos, such as LuckyLive Casino or DublinBet Casino, have cameras set up in real brick and mortar casinos, like the FitzWilliam Club in Dublin, Ireland. The dealers at these casinos work for the casinos and are filmed live as they are working. You will see other players at the roulette table or sitting at the blackjack table, and you can hear the noise of the live casino in the background. This feed is then streamed into your computer through software, such as Distance Gaming Software. The images that you see on your computer are real time, with virtually no lag time whatsoever.

There are some casinos, such as Celtic Casino or Europa Casino, that film the games from a studio with live dealers in a casino setting. Since this is all filmed in a studio, there won’t be any of the background noise that you will find at other live dealer casinos. Although the dealers are in a studio environment, you can rest easy that all of the dealers are thoroughly trained to the standards of the dealers who work in Las Vegas or Monte Carlo. They are all professional, courteous, and extremely competent casino dealers.

Whether you decide to play in a live dealer สล็อตออนไลน์ casino that is filmed from a real brick and mortar casino or from a studio, you will find the same level of professionalism that you will find at any casino around the world. The graphics are excellent and the technology just keeps getting better. You will find casinos that do not require any download, and some live dealer casinos offer instant flash casinos which can be played almost immediately. One thing that all of the live dealer casinos can offer is the realistic experience of playing at a live casino without leaving the comfort of your own home. So, grab a beverage of your choice and play some live roulette or live blackjack in one of the new live dealer casinos. You won’t be disappointed. Good luck to you!

Comprehensive Iowa Casinos List

There are more and more online casinos available right now. These are great because they allow us to gamble when we want and wherever we want to. However, sometimes it is nice to be able to go to a real, old fashioned casino. The United States is famous for its casinos, and if you happen to be in Iowa, you may want to have a look inside one. There is nothing quite like a real casino, after all. The sounds of the คาสิโนออนไลน์เครดิตฟรี slot machines, people pulling on the one armed bandits, cards shuffling, waiters and waitresses walking around clinking glasses, the smell of money and chips. Luckily, if you do find yourself in Iowa, there are plenty of places you could go to. Here is a list of some of the best casinos you will be able to find in the state.

List of Iowa Casinos (Casino, City, County)

  • Prairie Meadows, Altoona, Polk
  • Diamond Jo Casino – Worth, Northwood, Worth
  • Harrah’s Casino & Hotel, Council Bluffs, Pottawattamie
  • Ameristar, Council Bluffs, Pottawattamie
  • Horseshoe Council Bluffs, Council Bluffs, Pottawattamie
  • Terrible’s Lakeside Casino, Osceola, Clarke
  • Isle of Capri, Bettendorf, Scott
  • Grand Falls Casino, Larchwood, Lyon
  • Rhythm City, Davenport, Scott
  • Mystique, Dubuque, Dubuque
  • Diamond Jo Casino, Dubuque, Dubuque
  • Wild Rose Casino and Resort, Emmettsburg, Palo Alto
  • Catfish Bend, Burlington, Des Moines
  • Isle of Capri, Marquette, Clayton
  • Blackbird Bend Casino, Onawa, Monona
  • Wild Rose Casino and Resort, Clinton, Clinton
  • Riverside Casino & Golf Resort, Riverside, Washington
  • Meskwaki Casino, Toledo, Tama
  • WinnaVegas, Sloan, Woodbury
  • Argosy, Sioux City, Woodbury
  • Isle of Capri, Waterloo, Black Hawk

As you can see, there are quite a large number of casinos to choose from, with the biggest amount of choices being in the Pottawattamie County. However, you do have to understand that Iowa isn’t like Las Vegas or Reno. There are no full strips with casino upon casino. Nor are there the insane buildings that we know from popular culture. Don’t go to Iowa if you want to go to a casino that includes a boxing match and a concert by Celine Dion, for instance. However, those are the casinos for tourists. What Iowa has to offer is casinos the way casinos are supposed to be. They are reasonably large buildings with all the games you could possibly choose. There are slot machines, Black Jack tables, poker tables, roulette tables and crab games. Some casinos may even have closed off poker VIP rooms and even poker tournaments.

Most of the casinos are operated by Native Americans, who are known the world over for starting casinos all over the United States. This means that these are real, cultural and ethnic casinos, rather than the glitz and glamour you may have expected because you have seen various movies about what goes on in Vegas. This doesn’t make these casinos any less nice, however.

Top Online Casinos

How to Choose an Online Casino.

An online casino is essentially a virtual land casino. While the games and the rules may be the same the environment and strategies change causing the online casino to become an independent entity.

This means that while you may be a professional gambler at a land based casino in Las Vegas in an online casino on the internet it’s a whole new game.

The odds and risks involved in an online casino game change and it’s essential that you learn some strategies suggested by professional online casino gamblers so that you can play the online casino games with better odds.

The online casino that you choose to play at will make or break your game. Every online casino has its own strategies to lure the players and allow the house to win. In order to ensure that the online casino at which you play is the one which will if not beat the house odds at least give you an even chance to win we recommend that you follow the following strategies:

Play at an online casino that offers the latest state of the art gaming zone. An online casino that has the PWC reviews and the player return numbers is reassuring as it shows that it’s an online casino where professionals astute and knowledgeable about their online casino games, play.

24/7 online casinosupport is essential. If an online does not have a 24/7 support numbers do not risk your money there. Online casinos are a risky place and you have to ensure that all odds are on your side. Playing at an online casino that does not offer support increases your chance of losing your money. The 24/7 support number will ensure that there are no confusions about the rules and any doubts that you may have will be clarified.

Do not choose an online casino because it appears in the top ten list of the search engine through the key words you choose. Many sites may advertise their site and appear in the search engines this does not mean they are trust worthy. Its always safer to follow a guide or a Top Ten Site recommendation as you can be sure of the professionalism of the sites advertised as they offer programs that are long lasting เว็บบาคาร่าufa rather than temporary. You can be sure your money is safe at such a site.

There are tens of online casino sites. Choose the ones that offer high bonuses and rewards. These online casinos will ensure that every dollar that you put in is stretched as much as possible so that you get the most play out of the least dollar.

Online casinos may offer interactive sites but if your are a professional you may opt for the state of art games at a simple site this will ensure that you do not get distracted with music, pop ups and other such gimmicks used to entertain and distract the players from their winning streak. Concentrate.

Play at US based online casinos that are if not licensed at least within your reach if they do not pay your winnings. The support number and US presence is essential for an online casino.

Once the online casinoof your choice has been picked do not jump from casino to casino. That can be dangerous as many online casinos are scams and will disappear within a few months. If you get bored of one casino play at another casino of the same organization. Most regular online casino sites have a network of casinos offering players the most variety within the same terrain.

How to Collect Celebrity Autographs

At some point or the other in our lives we all have chased celebrities and craved for their photographs, autographs and any other memorabilia we could get our hands on. Auctions are held to sell memorabilia or clothing from a celebrity’s collection. Celebrities really means anyone who’s famous, like film stars or sports stars or pop singers, national or international leaders and anyone else who has notoriety. Today even the winner of American Idol television show is a celebrity and all the other reality show contestants create their own celebrities. Not too long ago celebrities meant people whose claim to fame was not just a 15-20 minutes stint on the television. People didn’t become famous just because they won the top prize in shows like, “Who wants to be a Millionaire?”-celebrities claim to fame was dependent on their performance on stage or off it.

In the fifties, sixties and the seventies, the number of celebrities was limited to film stars and some other successful people like pop singers or politicians. Collecting celebrity autographs was also a part of the simple life that people led in Former CBS Executive On Survivor Claims His Firing From The Network Was Racially Motivated those days (think pre-internet). Children and adults followed celebrities with the same fervor and their rare appearances in public were eagerly awaited. People would collect celebrity autographs when any famous personality visited their area either to inaugurate a club or shop or perform in a function.

Today one can obtain celebrity autographs by a variety of means, you can by them at an auction or buy products that are endorsed by them or endorsed with their signatures.

You could even create a collection of celebrity autographs by systematically collecting them. You could make a collection that is worth showing to people and better still if you have a story to tell as to how you obtained it.
There is another way of collecting celebrity autographs and that requires some patience and lots of hard work. First of all you have to know the celebrity’s address whose autograph you want. For this either use some magazines or search the internet for celebrity addresses. There are some books and magazines sold that specifically list celebrity addresses or fan mail addresses.

Now write a letter to your favorite celebrity mentioning how much you admire their work and also mention a film or any other thing where they performed well, what you liked about it and how that left an imprint on your memory and influenced your life.

You can also tell them how much you or your spouse or your kid love their work and how you would love a photograph with an authentic signature. Make sure to mention the word “authentic” or you may get a stamped photograph or the secretary may sign on behalf of the celebrity. Avoid writing a long letter as stars are busy people and they do not have time to read a long letter.

Also, avoid gushing about how much you admire them or how crazily you follow them as they might consider you an obsessed fan and your letter may either not be read or simply thrown away. Lastly, wait patiently as some celebrities may reply immediately while others maybe busy with a shoot or a match and may not have the time to reply.

การลงทุนกับเว็บแทงบอลที่ดีและมีประสิทธิภาพ

 

 

สำหรับการแทงบอลออนไลน์ หรือการลงทุนกับเว็บแทงบอลที่ดีและมีประสิทธิภาพ ถือว่าเป็นการลงทุนที่ค่อนข้างที่จะดีและนับว่า เป็นอีกหนึ่งโอกาสที่ดีเลยทีเดียวที่จะเปิดโอกาสให้คุณได้ เข้ามาทำการลงทุนหรือเข้ามาทำงานได้เป็นอย่างดีและเป็นอีกหนึ่งช่องทางที่ดี ที่สามารถที่จะดึงดูดผู้ที่เข้ามาทำการลงทุนได้ เป็นอย่างดีและคำว่าได้เพื่อตอบสนองแบบสไตล์การลงทุนที่ดี และดำเนินชีวิตได้อย่างดีเยี่ยมแล้วก็เว็บไซต์ของ เราเป็นเว็บไซต์ที่สามารถตอบสนองให้คุณได้เข้าทำการลงทุนได้แบบออนไลน์ ได้เป็นอย่างดีด้วยผ่านโทรศัพท์มือถือหรือคอมพิวเตอร์ อินเตอร์เน็ตเพียงเท่านี้คุณก็สามารถที่จะลงทุนได้ง่ายๆ ไม่ว่าคุณจะอยู่บนเนื้อที่ไหนบนโลกใบนี้ คุณก็สามารถที่จะลงทุนได้เป็นอย่างดีอีกด้วยและเป็นอีกหนึ่งสิ่ง ที่สามารถตอบสนองความต้องการ ให้กับคุณได้เป็นอย่างดีเยี่ยมเลยก็ว่าได้

ต้องบอกแล้วว่าเว็บแทงบอล ของเรานั้นเป็นอีกหนึ่งโอกาสที่จะเปิดโอกาสให้ท่าน ได้เข้ามาทำการลงทุนได้เป็นอย่างดีเลยก็ว่าได้ในการแทงบอลออนไลน์ ซึ่งนับว่าเป็นอีกหนึ่งตัวช่วยที่ข้างๆที่จะมีความยอดนิยมเป็นอย่างมาก และก็ว่าได้อีกทั้งยังเป็นเว็บไซต์ที่ค่อนข้างที่จะออกแบบ มาเป็นอย่างดีและมีคุณภาพเป็นอย่างมาก ที่มีมาตรฐานสากลระดับโลกเลยทีเดียวทั้งความปลอดภัยและประสิทธิภาพ และตัวเว็บไซต์ถือว่าตอบโจทย์ของคุณได้อย่างแน่นอน ที่จะเปิดโอกาสให้ผู้ที่เข้ามาทำการลงทุนและเป็นอีกหนึ่งช่องทาง ที่ค่อนข้างที่จะดีเป็นอย่างมากและก็ว่าได้ สำหรับผู้ที่ต้องการที่จะเข้ามาทำการลงทุนกับเว็บไซต์ของเราและรับรองได้ เลยว่าจะตอบสนองความต้องการให้กับตัวของท่านเองได้ เป็นอย่างดีการทำงานและที่ดีเยี่ยมเลยก็ว่าได้แบบ ไม่ต้องสงสัยอีกทั้งยังเป็นอีกหนึ่งสิ่งที่สำคัญที่สุด ในมากในการลงทุนกับการเดิมพันออนไลน์กับเว็บไซต์ของ เราหากคุณต้องการใช้บริการแล้วก็บอกด้วย ว่ามีทีมงานให้บริการท่านตลอดทั้งวันอีกด้วย

รับประกันได้เลยว่าเว็บแทงบอล ของเรานั้นเป็นอีกหนึ่งเว็บที่ค่อนข้างที่จะ ตอบสนองความต้องการให้กับผู้เล่นได้เป็นอย่างดีและสามารถเข้า มาทำการลงทุนกับการเดิมพันออนไลน์ได้เป็นอย่างดี ดังนั้นก็ได้รับคำแนะนำที่สามารถเปิดโอกาสให้คุณเพื่อการศึกษา จนไปถึงโบนัสและโปรโมชั่นต่างๆที่รวมไว้ ให้คุณได้เข้ามาทำการลงทุนได้เป็นอย่างดีด้วยสำหรับคนที่ต้องการที่จะใช้บริการ กับการแทงบอลออนไลน์เต็มที่แล้วก็เว็บไซต์ของเรา เปิดโอกาสให้คุณค่าด้านการลงทุนได้อย่างมีประสิทธิภาพมากที่สุด ในด้วยท่านจึงเป็นอีกหนึ่งทางออกที่ดี ให้การลงทุนถ้าหากคุณสนใจแล้วก็สามารถเปิดบัญชีกับเราได้เลยและสามารถ ที่จะลงทุนได้อย่างเต็มที่และมีอิสระมากที่สุดอีกด้วย

Pharaohs Casino – Online

Established in 1999, and part of the PlayShare Partners Group of casinos, Pharaoh’s Casino was, for many years, one of the top sites that carried Boss Media software. When the Unlawful Internet Gambling Enforcement Act came into effect in the USA in 2006, Boss Media forced its licensees to close their doors to US account holders. As a result, Pharaoh’s Casino decided to switch to the Microgaming software platform and has since reopened to US player accounts.

Software and Games

There are over 300 exciting games to choose from in the Microgaming suite found on this site. The games range from traditional table games such as blackjack, baccarat and craps, to specialty games such as Keno. There is a vast selection of slots and video poker, and players can also enjoy Microgaming favorites such as scratch cards.

Microgaming is especially well known for its overly generous progressive jackpots and there are no less than 14 to choose from on this site. Players can try their luck at games such as the new Poker Ride video poker jackpot, or the multi-million dollar Mega Moolah.

Games are available in a fully downloadable program, or in a flash version that can be played instantly off the browser. The software is 파워볼게임 available in English and Italian.

Safety and Security

Pharaoh’s Casino is fully licensed by the Kahnawake Gaming Authority and, as a Microgaming site, offers the players the backing of one of the industry’s most reputable companies. Security is of paramount importance to this site and, in a bid to create a safe gambling environment for its players, Pharaoh’s Casino uses 128-bit encryption to ensure that all information is transmitted in the best possible way. The site also publishes a detailed privacy policy to explain to its players that all personal information will not be passed on to any third party without the player’s implicit permission.

In addition, as part of the Microgaming network, Pharaoh’s Casino regularly submits its blackjack and roulette outcomes to independent auditors and the results are published on the site. Special monthly reports are also published on the site that state the percentage of payouts.

Customer Service

Pharaoh’s Casino runs a customer support service that operates 24 hours a day, every day of the week. There are a number of ways that players can contact the friendly and efficient service team, including via email, toll-free fax support and toll-free telephone support. In addition, for the most common questions and queries, there is a comprehensive FAQ section on the site.

The Simple Steps to Online Hard Drive Backup

Ensuring you have a second copy of all your important files, documents, videos, photos etc. is a must for any computer user. Backups shouldn’t just be thought of for businesses, they are just as important to personal computers at home especially if they hold precious family memories in the form of videos and photos that could never be created again if lost.

In this article I want to explain just how easy it is to backup the hard drive in your personal computer online using one of the many online backup services. The whole process shouldn’t take any longer then 15 minutes to setup and then it’s an automated system from their forward.

So Let’s get started.

Step 1

You need to pick a backup service to use. The two popular ones that most people use are either Mozy home backup or Carbonite. Both have similar plans, I’ve personally used both and like the software that Carbonite uses better the Mozy but it’s personal preference.

Visit one of their sites, sign up under their free trial and download the desktop software used to transfer the files from your PC hard drive to their online storage servers.

This is about the longest step in the whole process.

Step 2

Next you need to choose exactly what it is you’re going to backup. Most of us backup our entire My Documents folder, but you may server hard drives have files stored on other areas of your home or office PC you want backed up as well.

After installing the software for the online backup service you’ve chosen their should be a video or some tutorial to walk you through how to add files and folders to your backup set.

With Carbonite it’s as easy as right clicking on a file or folder and selecting “back this up”. That file or folder will then be added to your backup set.

The great thing about this entire process is that as you add new files and folders to the directories you’re backing up those new items will be added to your backup set online.

Step 3

Time to start loading those files from your local hard drive onto the online backup server. Thankfully now the process is more or less automatic. You don’t need to move files one at a time up to the online backup server. The software you downloaded and used in step 2 does all that for you.

The first time you load everything up it might take sometime, but be patient. The big upload only has to happen that first time. Then from there on only files that are changed, or new documents and files are uploaded.

If you’re reading this thinking, this sounds like a good idea I should really do this don’t procrastinate. It’s just when you least expect it that a hard drive failure can occur and you won’t have that data any more. So take the few minutes to setup your hard drive backup online now.

5 Things to Know Before Hiring An Android App Developer

Today, mobile app market has grown rapidly as one of the greatest business promotion platforms with a large universal audience that is rapidly increasing each year. As the stats reveal, the Android and iPhone market together dominate 98 percent of the smartphone market, with Android on the upper hand sharing 84 percent of the market share.

Owing to the grand universal presence of the Android app development market, it claims a potentially successful business marketing platform for every business to endeavor. With a large customer base, Android app market is also a highly competitive business market. So in order to earn yourself a recognized stand in the Android application market, you need to counter the challenge of choosing the most appropriate Android app service provider.

Helping you with the greatest challenge here we bring 5 points that you need to know before hiring an Android App developer –

1. Technical Expertise & Requirement-Specific Knowledge:

For a well-customized Android application an expert knowledge of coding is required, thus the developer, you hire should have a Acmarket apk profound technical expertise with the same. Further, the company you choose is expected to have a good requirement-specific knowledge. This can be judged by questions like – Have you worked on these type of requirements before? OR Can you guide me through a flow chart over serving my requirements with the application? The answers to these questions will help you to get insights of the expertise the Android app developer possesses in the relevant domain.

2. Experience & Portfolio:

Every successful Android app development firm or app developer will have an expressive portfolio along with some case studies of the previously served clients. You can go through this portfolio and relevant case studies that allow you to judge the technical expertise of the company. Along with this you should know the experience of the company, which refers to the number of years the company has been in business. With this, you can also ask the service provider for any previous client referrals from where you can get valuable feedbacks about the solutions provided by the service provider.

3. Features and Functionality of Your Application:

One of the most important points you need to work upon is the features and functionality of your app. You need to think well of the possibilities your app could boast along with discussing the features and functionality parameters of the app with your preferred Android app service provider. This is an important part and it will help the Android app developer, you hire to make the app’s functionality more business-oriented and meet up to your expectations.

4. Budget and the Targeted Timeline:

Another deal-maker or the deal-breaker criterion is the ‘budget’ you are planning to invest in for the app development. Before deciding the budget and the targeted timeline for the Android app you need to study the various parameters deciding the cost of Android application development along with the time requirements over different customizations. Further, according to that, you can choose between the preferred options of the service provider to meet your budget and timeline targets.

The Benefit of Using an Annuity Calculator

When you are buying an annuity, it always helps to know approximately how much you will be getting before you actually purchase and sign the contract. This is where an annuity calculator comes in.

An annuity calculator is an application that is either web-based or something you can download easily from the Internet. More often than not, any broker you approach to purchase an annuity will have one as well.

How a Calculator for Annuities Works

A calculator used for annuities factors in a number of variables such as:

• The annual interest rate for the annuity

• The number of years that the annuity will be paid off

• The number of pay periods in every year

• The interest rate applied for every pay period

• The total number of pay periods in the entire duration of the annuity The calculator makes use of a specific mathematical formula for computing this type of investment. The formula in turn is based on financial principles on the effect of time Age calculator on the value of money. The formula can be modified depending on the type of annuity for which it is used. For example, the formula used for computing fixed annuities is slightly changed when used for calculating variable annuities and indexed annuities.

Using an Annuity Calculator

You can make your own computations on how much you will get for a specific investment simply by using an annuity calculator that is readily available online. When you use such a calculator, you must make sure that you factor in your own needs and requirements so you can get an accurate figure of how much you can expect to get when you start receiving payments from your investment.

Among the factors that you should consider when computing these possible payments are:

1. Your age. The size of your payments is dependent on the length of your life expectancy. So, the older you are when you first buy the investment, the bigger amount you can get every pay period because your life expectancy is shorter.

2. Your health. If you’re approaching retirement age with certain impairments to your health, you can expect to get bigger payments, again because of your shortened life expectancy.

3. Naming beneficiaries. You have the option to assign beneficiaries when you buy an annuity. But if you choose to have your spouse or heirs enjoy your investment after you die, you should expect smaller payments every pay period.

An annuity calculator is a great tool that you must access and utilize before you buy an annuity. It will help you determine whether you are making a sound financial decision for your future.