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Choosing an annuity is an important decision because it determines your financial future. All of your life you work for your income and suddenly the ability to choose what you earn is taken out of your hands. However, you still have control of what kind of annuity you decide to have. This is an important decision and you should use the open market option (the right to shop around) to make sure that you make the very best decision for you and your money.

Viewing annuity quotes online can be very beneficial as you can get a greater outlook over what the market currently can offer you. The online tools allow you to type in your details and figure out how much a few extra years of work would impact your retirement plans and the amount of income you could receive through your annuity.

By searching for annuity quotes online you might realise that you are eligible for an enhanced annuity rate which your current pension provider did not make you aware of. You can receive an enhanced rate if you have a medical condition, employment history or other reason why your life expectancy might be shorter than the average person of your age. You can even get smoker annuity rates that are higher than the normal rates.

This allows the pension company to calculate an annuity which they estimate they do not have to pay out for you for as long as the average person. One example is if you live in a poorer area than the national average where life expectancy is lower.

Using the internet not only allows you to access more information on annuities but it also helps you to realise what other companies can offer you. Annuity contracts can be different and different providers, especially independent or  specialist providers, may be able to offer you a different type of contract to the average high street provider. For example, joint annuities have become popular lately as it allows partners to be included in the annuity. This offers peace of mind to many couples who want the other to be cared for when they die.

One pension company said, “We like to encourage our customers to use the open market to find competitive deals. This allows them to really become well informed on what the market can offer and gives them the security they need that their money is going into the right place.”

Want to use a free online annuity calculator? Visit http://sigmaannuities.co.uk for all your annuity needs. They are chartered financial planners and can offer you independent pension and retirement advice.

Friendship Quotes arein everyone’s life, at some time, our inner fire goes out. It is then burst into flame by an encounter with another human being. We should all be thankful for Quotes About Moving On that rekindle the inner spirit.

 

Friendship is a precious gift that can’t be bought or sold. It’s value is greater than mountains made of gold. If you shall ask God for a gift be thankful if he sends not diamonds pearls or riches but the love and trust of friends.

 

“The only reward of virtue is virtue; the only way to have a friend is to be one.”

 

Your friend is your needs answered. He is your field which you sow with love and reap with thanksgiving. And he is your board and your fireside. For you come to him with your hunger, and you seek him for peace.

 

“Where there is life, there is hope.”

 

Friendship quotes – If you’re alone, I’ll be your shadow. If you want to cry, I’ll be your shoulder. If you want a hug, I’ll be your pillow. If you need to be happy, I’ll be your smile. But anytime you need a friend, I’ll just be me.

 

Friendship is but another name for an alliance with the follies and the misfortunes of others. Our own share of miseries is sufficient: why enter then as volunteers into those of another?

 

Friends are like pieces of a puzzle. If you lose one it will never be complete again, I just want you to know that you are one of those pieces in my life I can’t afford to lose.

 

Quotes about moving on – When you cry, i laugh with the tear in my eye. when you laugh with the tear in your eye, i cry. this is because when we die, we know that we ALWAYS made the other laugh with tears in their eye, but yet still know NEVER cried alone.

 

“Associate yourself with men of good quality if you esteem your own reputation; for ’tis better to be alone than in bad company.”

 

Many a person has held close, throughout their entire lives, two friends that always remained strange to one another, because one of them attracted by virtue of similarity, the other by difference.

 

Every expression of desired friendship has potential bite. Every smile reveals the teeth.

 

Quotes about moving on – Love is like a friendship caught on fire. In the beginning a flame, very pretty, often hot and fierce, but still only light and flickering. As love grows older, our hearts mature and our love become as coals, deep-burning and unquenchable.

 

“My friends are my estate.”

 

Quotes About Moving On – Great place to find Friendship Quotes

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Scarlett Johansson is half Danish and half Polish with natural red hair that makes her look distinctive from others. After splitting from her husband Ryan Reynolds, the 29-year-old actress got engaged to French journalist Romain Dauriac. The happy couple are now expecting their first child together in August 2014.

Following are 20 best quotes from Scarlett Johansson. Let’s check out now.

“I went through this realization that acting, at its heart, is the ability to manipulate your own emotions.”

“I have a lot of actor friends who worked with their parents closely and have had really horrible experiences. They end up suing or being emancipated. The wonderful thing about my mom [who is also her manager] is that she completely respects my creative weirdness and supports any decision I make.”

“I hope they make a video game of me. At least I wouldn’t have any cellulite then.”

“I’ve never considered myself a femme fatale as I’ve never seduced anyone and ruined their lives. At least as far as I know.”

“I’m so tired of hearing casting directors ask if I have a sore throat. The people who have told me that my voice is distinctive, it’s unusual … those people have always been close to my heart

(Photo credit: Marc Piasecki/Getty Images Europe)

“I find beauty in unusual things, like hanging your head out the window or sitting on a fire escape.”

“I never struggled with trying to figure out what it was I wanted to do or what made the sparks go for me.”

“I am very independent. I can look after myself but I still need a lot of love and care.”

“I definitely believe in plastic surgery. I don’t want to be an old hag. There’s no fun in that.”

“I don’t talk about my personal relationships, it always ends up kicking you in the face. But I’ve read a lot of things about myself and think, ‘Wow! That girl sounds really saucy.”

(Photo credit: Vittorio Zunino Celotto/Getty Images Europe)

“I do think on some basic level we are animals and by instinct we kind of breed accordingly. But, as much as I believe that, I work really hard when I’m in a relationship to make it work in a monogamous way.”

“I’ve always been very determined, ever since I was a little girl, to make my way.”

“Tons of that stuff comes to me, but a lot of it is awful. All these teenage slaying movies, and movies about girls that have deformities that become cheerleaders and then marry the prom king!”

“I would never knowingly go into a film that I wouldn’t pay to see, or something that didn’t challenge me.”

“I’m very independent. I can look after myself but I still need a lot of love and care.”

(Photo credit: Rob Kim/Getty Images North America)

“I once heard that women dress for women — not for men — and I think that has some truth to it. Men, what do they know? They don’t know if you gain or lose five pounds. They’re oblivious to those kinds of things. A lot of men will say “I like you just as you are.” And you’re like “But I’m bloated!” If they’re attracted to you, they’re attracted to you.”

“I’m curvy – I’m never going to be 5′ 11′ and 120 pounds. But I feel lucky to have what I’ve got.”

“I just want to work on things that are really hard, and when I’m not working on things that are really hard, I want to hang out with people I like to be with, and that’s it.”

“You work hard making independent films for fourteen years and you get voted best breasts.”

“You’re married, and suddenly you have your own family. There’s a nice comfort in that. That part of your life is certain … You’ve got your home in that other person.”

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Scarlett Johansson and new boyfriend Romain Dauriac step out in matching puffer jacket

I graduated from Birmingham University. Currently, I am living with my family in the West Midlands of England and working for a media company. My hobby is writing about current affairs, celebrities and fashion.

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