Love And Friendship Quotes From Famous People To Use Inside Your Own Homemade Greeting Cards! Make Someone’s Whole Day!

Love And Friendship Quotes From Famous People To Use Inside Your Own Homemade Greeting Cards! Make Someone’s Whole Day!

“True friendship comes when silence between two people is comfortable.” – Dave Tyson Gentry

“Friendship requires great communication.” – Saint Francis de Sales

Here are some awesome love and friendship quotes from famous people, which are ideal for some of those handmade greeting cards that you make! It is a great hobby and it spreads sunshine and Good Karma around when you give these cards to people!

“He does good to himself who does good to his friend.” – Erasmus

“Friendship is an art, and very few persons are born with a natural gift for it.” – Kathleen Norris

My name is Father Time, of www.FatherTimePublishing.com and I am a self help writer and speaker as well as a writer of Greeting Card Verses! The act of sending someone a card is such a  great way to show them that you care! Always send cards and if you make your own, well then that is even better!

“If you judge people, you have no time to love them.” – Mother Teresa

“Two things only a man cannot hide: that he is drunk and that he is in love.” – Antiphanes

“You never lose by loving. You always lose by holding back.” – Barbara DeAngelis

“Love is a game that two can play and both win.” – Eva Gabor

You know, I have an eBook Of Really Good Greeting Card Verses…I wish you would take a look and consider ordering it! There are 40 great Love & Friendship verses that I have written over the years, and 60 quotes from famous people, and it can be e-mailed to you almost anywhere in the world. If you make your own homemade greeting cards…then you NEED this eBook and will not be disappointed!

“Never close your lips to those whom you have opened your heart.” – Charles Dickens

Maybe you need a Love Attracting Good Luck Amulet…after all…Love Makes The World Go Round, right?

“Love doesn’t make the world go round. Love is what makes the ride worthwhile.” – Franklin P. Jones

Have a Great Day and Many Blessings!

Father Time can HELP YOU! You Did Not SEE THIS by Mistake or by Accident! Whether you Need a Good Ghost Writer for Hire! Or maybe you need his Daily Motivational e-mail Service! Or perhaps a Powerful Good Luck Amulet is what you Need!

It was Meant To Be that YOU found this Message on ArticlesBase.com 

Father has been a published writer for over 33 years, and He also has a fabulous Online SuperStore featuring many unique and interesting items, including Good Luck Amulets, Psychic Readings via e-mail, Indian Medicine Bags, and other Powerful & Effective Mystical Items and Good Luck Attracting Jewelry! Do YOU Want to WIN MONEY Gambling?

Father’s awesome website is www.FatherTimePublishing.com where he also offers an Awesome Daily Motivational e-mail Service! You can sign-up for FREE for a limited time only!

People May Compare Retirement Incomes With Whole Of Market Annuity Quotes

People May Compare Retirement Incomes With Whole Of Market Annuity Quotes
Many people save towards their retirement with personal and occupational pension schemes. Most of the schemes can be categorized as money purchase schemes. This means that when the person retires the money invested in the pension fund is converted to cash and used to purchase an annuity. There are many different options when purchasing one of these products, such as level and escalating annuities, and single life or joint life annuities. This article explains some of those options, and shows how an annuity quotes can be used to let a person estimate the amount of retirement income they will get.

Most pension schemes other than final salary schemes, and other defined benefit schemes, can be categorized as money purchase schemes. A person, and possibly also their employer, make contributions into a pension fund, which is invested in the financial markets with the intention of building up a suitably large pension pot by the date of the person’s retirement.

On retirement the pension pot is then used to purchase an annuity. These are a type of insurance, which are sold by life insurance (or life assurance) companies. They provide a guaranteed lifetime income, regardless of how long the pensioner lives for. This is desirable as it protects pensioners from the danger of exhausting their pension pot.

Those who buy an annuity to provide a retirement income will normally have one of the following types of pension: a personal pension, a stakeholder pension, an Additional Voluntary Contribution (AVC) or Freestanding Additional Voluntary Contribution (FSAVC) scheme, or a retirement annuity contract. Those who are members of an occupational defined contribution scheme may find that the scheme managers purchase the annuity for them, but they are entitled to choose the type of product which they want.

There are many different types of product, allowing the retired person to choose something suitable for their needs. The most basic choice is between a single life or a joint life policy . Joint life annuities will provide a pension for a person’s spouse or partner. These are therefore most normally chosen by couples, unless the spouse or partner already has an independent source of retirement income.

Another choice which can be made is between a level, and an escalating annuity. Level annuities will pay out the same income throughout the rest of a person’s life, while escalating annuities will constantly increase. The increase may be a fixed rate (e. G. 3%), or it may be linked to the Retail Price Index (RPI).

A third option involves a guarantee period. With a standard policy, if the pensioner was to die very soon after buying the annuity, the payments would simply stop. This would mean that the pensioner’s estate did not really benefit from that person’s lifetime of saving. With a guaranteed annuity, the life assurance company will pay the annuity for some predetermined period (usually five or 10 years) even if the pensioner dies.

All these options affect the amount of retirement income. For example a joint life policy will pay out less than a single life policy, because the life company have the additional commitment of funding the spouse’s pension. An annuity quotes is a simple online tool, which allows a person who is approaching retirement to estimate the effect of different options on their retirement income.

When approaching retirement it is vital to shop around using the open market option and to make sure that you use a broker that advises from the whole of market for annuity quotes.