crediT [continueD froM page 61]
Tired Of Low Returns On Your Savings?
firms trying to take advantage of the
glut of people looking for credit help. A Charitable Gift Annuity with the Paralyzed
the ftc suggests you guard
Veterans of America (PVA) is one of the most rewarding
yourself against firms:
investments you can make. ★ Now is an ideal time to
n guaranteeing to stop foreclosure;
consider the unique tax benefits and security of guaranteed
n requiring advance payments before
payments offered by a P VA Charitable Gift Annuity.
anything is delivered;
★ Your gift annuity of at least $25,000 ensures that P VA
can continue its work. In the meantime, you or your
n warning you against contacting
AGE* RATE**
chosen beneficiary can rely on fixed quarterly or semi-
your lender directly;
75 7.3%
annual payments for life. There are various options you
n requesting you sign over your title
or deed; or
77 7.6
can choose to best meet your family’s needs. The table at left
n requiring you to send payments to
80 8.3
shows you the payment rates you can expect. Give us the
their office address rather than to
82 8.8
opportunity to show you the return you’ll get from helping
86 10.1
others. ★ PVA is the only congressionally chartered veterans
your lender.
90-over 11.5
organization dedicated solely for the benefit and representation
the ftc advises you look for a
of individuals with spinal cord injury or disease.
credit-counseling firm that:
* PVA’s minimum age
requirement is 75.
Call for more information on the Paralyzed Veterans
n is licensed in your state; **One life rates
(subject to change)
of America Charitable Gift Annuity
n provides free information about
its services;
1 (800) 424-8200 ext. 600
•
www.pva.org
n provides a formal written contract;
Please remember the Paralyzed Veterans of America
n most likely is a nonprofit;
in your will.
n provides charges and fees in writ-
ing, up-front;
n offers a range of services, counsel-
Fo
ing, and classes from trained and
Cal
credentialed counselors on topics
Independence
I
nf r
or
Y
m
our
l
N
like financial and debt management
around the corner…
a
ow
ti
FRE
is right on
and budgeting;
n provides counselors who spend
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n does not pay employees and coun- Name
selors on commission. Telephone ( )
So, the new credit’s the same as the
Address
old credit. Don’t be fooled again! MO
City
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— Lt. col. Shane Ostrom, USAF-ret.,
approval from State Zip
GE Money Bank
CFP
®
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article was “Expert Advice,” August 2009.
december 2009 Military officer 79
Dec_credit.indd 79 10/29/09 6:21 AM
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