Provider Overview – MassMutual Annuities

MassMutual was originally established in 1851 by George W. Rice. Rice was an insurance agent for a Connecticut life insurance company that wanted to open a similar business in Massachusetts. He started the Massachusetts Mutual Life Insurance Company, which became a true mutual company, a company owned by his policyholders, shortly after his creation.

Today, the company is based in Springfield, Massachusetts and Enfield, Connecticut, and has grown from a personal insurer to an international financial services firm. It has approximately thirteen million customers worldwide and more than $500 billion in assets under management. In addition to its US operations, MassMutual has subsidiaries in Hong Kong, Japan, Taiwan, China, Macau, Argentina, Chile, Bermuda and Luxembourg. The total number of company offices exceeds 1,200 and the company’s full trading name is MassMutual Financial Group.

MassMutual continues to operate for the benefit of its members and members. They provide life insurance, disability income insurance, long-term care insurance, 401(k)/retirement plan services, mutual funds, money management and fiduciary services, as well as annuities for their clients.

Although dividends are not guaranteed, MassMutual prides itself on its financial strength and has paid dividends to policyholders every year since the 1860s. The company is also known for its charitable giving in the areas where it is based. They often contribute to programs that benefit the local community’s education, arts, culture, or economic development.

In terms of annuities, MassMutual offers five different products: two variable deferred annuities, a fixed deferred annuity, and an immediate annuity. The individual products are as follows:

Deferred Variable Annuities:

o MassMutual Transitions Select
o Evolution of MassMutual

Deferred Fixed Annuities:

o Mass Mutual Odyssey and Odyssey Plus

Immediate Fixed Annuities:

or MassMutual RetireEase

Some of MassMutual’s annuity policies can start with both death and living benefits. The death benefit option means that a beneficiary will receive all of the money in the account or a guaranteed minimum amount upon the death of the annuity beneficiary. Enhanced death benefits are also available that may allow a higher payout to the beneficiary. Life benefits include minimum guaranteed accumulation benefits, income benefits, and retirement benefits.

As with most insurers, MassMutual adds additional fees associated with its annuity products. These include administration and management fees. There may also be a mortality risk charge and an expense risk charge, often known as an “M&E” charge. In addition, surrender charges may apply if the annuity is terminated early or if a portion of the annuity is withdrawn.

When considering an annuity company, it is important to understand the financial strength of the organization. One of the best ways to do this is by reviewing the company’s financial ratings. Independent rating firms have given MassMutual some of the highest ratings in the industry. Below are the current ratings (as of July 2009) for MassMutual.

AM Best Company: (Superior, 1st of 15 categories)
Fitch Ratings: (Exceptionally Strong, 1st of 21 categories)
Moody’s: (Excellent, 2nd out of 21 categories)
Standard & Poors: (Extremely Strong, 1st of 21 categories)

Home Kitchen

Luxury furniture designs for your modular kitchen

You have finally decided on a modular equipment for your kitchen because you have finally realized that a kitchen is not really a luxury but a necessity for a modern and contemporary lifestyle. After all, why shouldn’t it be? Kitchens are essentially modern kitchen cabinet designs, usually pre-designed and consisting of separate storage models that can be joined together to facilitate effective functionality in the kitchen. But thanks to the ingenuity of bespoke kitchen design makers, the kitchen can be suitably functional as well as luxurious and glamorous.

In fact, today luxury furniture designs are easily incorporated into modular kitchens created by leading furniture designers around the world. Keeping the multifunctional comfort that modular kitchens provide intact, furniture designers have reinvented it to also bring aesthetic appeal to kitchen décor.

There are a number of smart luxury furniture design ideas that can give any modular kitchen a stunning and elegant look. Vast choices in colors, patterns, textures, finishes, themes, etc., are available from the leading designers of modular kitchen setups, which will ensure that you can not only install all of your favorite modern gadgets and work efficiently, but revel in the fun as well. with the style quotient. with the high-end look.

The materials and finishes that equip modular kitchens today know no limits. The ingenuity and creativity of furniture designers has ensured that everything the client wants is found and, if not, they design it to measure. Let’s take a look at some of the favorite ideas:

1. Without a doubt, the wood finish remains the most popular idea for luxury modular kitchen designs for any home. The richness and warmth that wood tones bring to any space will ensure a sophisticated look for the kitchen as well. For any theme, classic, contemporary, modern, elegant, etc., wood is the ideal base material to work with. Ask your contractor to show you samples of the different finishes available so he can choose the best one.

2. Another smart contemporary idea that features luxury furniture for a modular kitchen uses built-in shelves, pendant lights, and well-lit cabinets in an open plan in neutral colors. To add some flair, use mismatched cabinets in two different shades; black and white, copper with steel, red with white, etc. are some ideas you could use.

3. You can create a sleek and stylish modular kitchen with glossy black cabinets and a black countertop and offset it with a silver background for the walls and bottoms of the shelves. In fact, use two contrasting colors on the cabinets and background for a bold kitchen design.

4. Automated kitchens with lots of technology built into the design create smart kitchen designs. Modular kitchens with hydraulic push-back or pull-out doors that move easily at the touch of a button or remote control are something interior designers are loving this season. After all, luxury is about comfort and convenience, and if you can make your kitchen cabinets move and open with the push of a button, nothing better.

5. Luxury furniture is also about exclusivity, so if you can get custom modular furniture for your kitchen, that’s a great idea. With cabinets, drawers, shelves, etc. Made to measure, your modular kitchen is designed to ensure maximum efficiency and functionality while accommodating your personal style preferences, giving you the exact look you want.

There you go then. These are just a few examples of what luxury furniture designs can bring to your modular kitchen setup. Put on your thinking cap or consult a renowned interior designer and build luxury for yourself in your kitchen.


Fleet Tracking – Benefits for Any Company with a Fleet of Vehicles

If you are a business owner with a fleet of vehicles under your control, you may be interested in learning about the benefits of using GPS fleet tracking systems. The purpose of the data generated by this type of device is to help you protect your investment. The concepts of these devices are really outstanding and the data is really useful to effectively manage routes and extract information that can be used in a wide range of management processes. If the business you run operates multiple vehicles, you’ll be amazed at how it works and what information you can collect from this simple yet remarkable device.

A GPS fleet tracking system connects to satellite mapping services, allowing you to provide essential navigation information at street level. Distinguishing truck routes is also possible with a fleet tracking unit. Minute by minute the exact location of each vehicle can be identified in addition to the history of each particular vehicle. By combining this information with accurate maps, the proximity of vehicles to particular locations is also possible. When road closures or other obstacles prevent driving on a standard route, new instant alternative route calculations can help drivers reach their destinations with limited delay.

Mapping and navigation aren’t the only things fleet tracking technology is capable of. Suggestions can be made on how to save on fuel, which continues to enhance the value of your investment in the fleet of vehicles used for your business. Plus, maintenance history and future schedules can be documented so your vehicles always stay in good condition.

While all of these are helpful in vehicle maintenance and productivity on the road, fleet tracking units can do even more. Traffic violations do happen with even the best drivers, but they may not be willing to admit it. GPS fleet tracking devices have notification and alert systems regarding unsafe driving, traffic violations and habits that limit fuel economy. Simply receiving this information is not enough, so you have the option of using this information to retrain some drivers who seem to have problems with the company’s driving protocol. Additionally, when drivers display exemplary driving performance and consistent time card accuracy, such behavior can be rewarded in a bonus program. There is no end to the possibility of using fleet tracking devices for your company vehicles.

Digital Marketing

5 most definite bans in graphic design

Using Stock Images

It’s okay to use stock images, however designers should use them sparingly. When they use a lot of stock photos, your project can look unprofessional and even cheap at times. Plus, there’s a lot of stock footage that viewers can immediately recognize as they see it all the time.

For example, imagine a packaging design that has a stock image. Consumers will probably not buy this product as they would think that the quality of the product may be just as inferior in its design.


While graphic design and writing are two very different professions, it doesn’t necessarily mean that graphic designers are exempt from misspelling words.

They may think they can just run a quick spell check and that’s good enough, but many spell check systems can miss graphic design errors. As a tip, designers should pay close attention to detail and proofread their project before printing.

As an example, when brochures are distributed as part of an advertising campaign, there should be minimal, if any, spelling errors in the text. Otherwise this will fail. Clients are often unforgiving when it comes to such mistakes. They may not care about the business at all, as misspellings show a lack of professionalism.

kerning fonts

Most people are not familiar with the term kerning, although it is easy to understand. This is a typography process, where the spacing between letters/characters is adjusted automatically or manually.

Kerning is crucial in certain situations, as when spacing is adjusted to letters/characters, this makes the wording readable and more pleasing to the eye. However, when kerning is used incorrectly and not given much attention, it can lead to significant problems, such as misinterpretation and damage to layout continuity.

grammar problems

Spelling errors aside, designers need to ensure that the project comes with correct grammar. Misused punctuation marks like a comma may seem like a minor problem, but a small mistake like that will cause many people to ignore the entire project.

designing for themselves

Finally, designers must keep in mind that they are designing for their clients. No matter who you’re working with or what you’re working on, it’s imperative that you follow your clients’ instructions and don’t make changes just because they make it look so much better.

As the saying goes, clients are always right and since they pay to create their graphic design, it is the job of the designers to help them achieve their goal.


Toys – Give something special to your children

A children’s toy is everything a child would want to play, imagine and dream a place of their own where they rule what happens next while they play. When I see a toy in a child’s hand, what I see is a smile on his face. A smile that is not seen on the face of an adult most of the time of our lives. The enjoyment and joy that toys bring to a child’s life are very valuable. Whether the child lives in a rural or urban area, he will always find some kind of children’s toys next to her. He or she will keep the toy by his or her side as we adults keep a job for ourselves, toys are important in a child’s life or maybe even more important than a job because children’s toys bring a lot of happiness to children. the children. When I look at a child playing, I see that he is very busy and free from any kind of worries.

What are toys in a child’s world?

A toy is a completely different world for a child. It is the way in which they display creativity, their senses and their environment, their strength, their place in the world and, above all, everything related to their lives. It could be a Barbie or a toy car for a child.

Benefits of children’s toys

Toys are crucial for children for other reasons as well. Children exercise or exercise their body muscles by playing with toys. The toys help children develop their coordination and balance skills. They practice these skills when they play with a variety of children’s toys, indoor or outdoor toys. All these required skills are easily developed during the process of playing with children’s toys.

Toys provide the opportunity for children to generate and apply their imagination. Children develop self-confidence in the process of playing with toys. As children learn new things from toys, they also gradually develop a sense of power in them. When an adult pays attention to them while a child plays, they feel great and gain self-confidence. A concept of self in a child grows stronger. While playing games like building sand castles, help the children make new friends.

Playing with children’s toys in a group of children helps children discover how other children react. Children play with toys, use energy and discover new emotions that they have never felt before. Toys are necessary for a child’s life.

Health Fitness

Keto diet and weight loss

If you have had a desire to lose a few extra pounds, then perhaps you might have come across the ketogenic diet, which is popularly known as the Keto diet. It is a popular weight loss plan that promises significant weight loss in a short time.

But far from what most people think it is, dieting is not a magical tool for losing weight. Just like any other diet, it takes time, requires a lot of adjustments and follow-through to see results.

What is the Keto diet?

The keto diet aims to put your body into ketosis. This diet plan is usually low in carbohydrates with a high intake of healthy fats, vegetables, and enough protein. This diet also emphasizes avoiding highly processed foods and sugars.

There are several types of Keto diets: standard, cyclical, targeted, and high-protein ketogenic diets. The difference in them depends on the intake of carbohydrates. The standard ketogenic diet is low carb, high fat and adequate protein is the most recommended.

Is the Keto diet safe?

Most critics of the Keto diet say that it is unsafe due to the emphasis on consuming high fat content. This is guided by the misconception that fats are bad for you. On the contrary, healthy fats are actually very good for you.

On this diet, you get plenty of fat from healthy sources like avocado, nuts, fish, butter, eggs, coconut oil, palm oil, seeds like chia, and red meat.

How does the Keto diet help in weight loss?

So how does the ketogenic diet really work and how does it help your body shed the extra pounds? When you follow a high-carbohydrate diet, your body uses glucose from carbohydrates and sugars to fuel bodily activities. When you follow a ketogenic diet, you provide your body with minimal amounts of carbohydrates and sugars.

With a reduced supply of sugar and carbohydrates, glucose levels in the body become depleted, causing the body to seek alternative energy sources. Therefore, the body turns to stored fats for energy, which is why the Keto diet leads to weight loss.

This condition where your body burns fat for energy other than carbohydrates is called ketosis. When your body goes into ketosis, it produces ketones as a fuel source instead of relying on glucose. Ketones and glucose are the only two sources of energy that fuel the brain.

Benefits of Ketosis and the Keto Diet

In addition to helping you lose weight, putting your body into ketosis also has other health benefits. Here are some of them:

  • Greater mental clarity
  • Enhanced physical energy
  • Steady blood sugar levels, making it a good remedy for epilepsy and diabetes.
  • Improved and enhanced skin tones.
  • lower cholesterol levels
  • Hormonal regulation especially in women

The ketogenic diet is one of the best diets you can follow to lose weight and improve your overall health. The diet can also be used for overweight children. There are numerous studies that support the diet showing significant results especially when combined with exe

Legal Law

The hourly rate is dead – Long live the hourly rate

I always wondered what the phrase “The King is dead. Long live the King” means. If the King is dead, why are the next words “long live”? According to Wikipedia, the phrase is a traditional proclamation made after the ascension of a new monarch. I am reminded of this phrase every time I read about the death of the hourly rate and presumably the “adherence” of the alternative rate arrangement (AFA). Well, to paraphrase Mark Twain, “Reports of the death of the hourly rate have been greatly exaggerated.”

Yes, I am well aware of the statistics indicating the increasing use of AFA. However, a closer look shows that the hourly rate, while not as healthy as in the past, is not in danger of being placed on life support. First, some people mistakenly label combined and discounted rates as AFAs. That is not an alternative; the rate is still based on one hour of work. Actual AFAs may include (1) fixed fees, (2) a combination of flat, hourly, or contingency fees, (3) success fees, or (4) a fee formula in some way tied to value. Second, statistics indicate that those who use AFA do so infrequently.

Now, I’m not a fan of the hourly rate. I agree with its critics that it does not provide any incentive for attorneys to work efficiently or seek speedy resolution of legal matters. Furthermore, I applaud the notion that AFAs typically align attorney risk with client risk, bear some relation to value, and provide cost certainty. However, three “T’s” stand in the way of any seismic shift towards AFAs: Tradition, Time and Trust.


The hourly rate has outlived the kings. Our profession is slow to change. We practice law the way we do because that’s the way it’s always been done. End of discussion. That mindset is hard to separate from the merits of why change is needed.


Law firms need to mine and analyze a variety of historical case cost data to come up with an AFA that makes economic sense. That takes time. In many cases, companies are unable or unwilling to invest the time. It’s just easier to stick to the traditional hourly rate.


Without trust, both attorney and client often fear that any AFA involves taking an unreasonable risk. The attorney fears that the normal profit margins built into the hourly rate may not materialize once the matter is concluded. The client fears that a matter will be resolved in such a way that the law firm will make a windfall compared to what it would have made at the hourly rate. If there is trust between the parties, those fears can be overcome and not create a barrier to an AFA. However, in today’s “what have you done for me lately?” legal market, I wonder if there is any kind of critical mass of trust required between attorneys and clients.

AFA: a risk worth taking

When I train attorneys on AFAs, I always recommend a calculated analysis of the feasibility and benefit of an AFA. In these modern times, law firms should consider the merits of AFAs in the new competitive legal environment. Unfortunately, in many cases, one or all three “T’s” get in the way.

Lifestyle Fashion

Natural penis enlargement: the simple guide

Natural exercises to enlarge the penis have been around for thousands of years. There is a good reason for this, it is because they work. If you are looking for a safe, reliable and guaranteed way to increase the girth and length of your member, read on to learn more about this method. After reading this article, you should have a good understanding of why this method is the best, what it involves, and how long it should take to see results. I will also explain some features to consider in a good natural penis enlargement guide.

Why the natural method is better

There are many advertised methods that claim to enlarge your penis. This is especially so on the Internet, where it can be hard to know who to believe. These male enhancement methods include, in no particular order:

  • enlargement pills
  • herbal enhancement pills
  • stretching devices
  • bomb of void
  • Traction Type Penis Extender Devices
  • Penis enlargement surgery
  • Placing weights on the penis

Most of these penis enlargement methods involve taking pills or placing a penis enlargement device on your member in an attempt to enlarge it. Surgery of course involves a surgeon using a scalpel, not something I wanted to risk or experience, thank you very much.

The problem with taking pills is that they can have side effects or interfere with other medications you are taking. Their results are not permanent either, you have to keep taking them month after month to see results. They are not permanently effective and some are of questionable quality.

Stretching devices such as vacuum pumps, traction devices, and weight attachments can cause permanent damage if used incorrectly. The possible damage that can be caused ranges from burst blood vessels to permanent erectile dysfunction and impotence. If you already have health problems, you should only use these penis enlargement products with caution.

natural penis enlargement

Natural penis enlargement does not require you to take any pills or potions. There is no need to attach any strange devices to your manhood. There is no need for any surgery. All you need to successfully enlarge your organ using this method is an inexpensive guide that shows you which exercises to perform.

The exercises you are expected to perform may include (depending on the particular guide you purchase)

  • Exercising the PC muscle (Kegel exercises)
  • basic stretch
  • dry milking
  • wet milking
  • Jelqing for length and thickness
  • The Tao Technique of jelqing
  • pulling and hitting
  • stretch and twist
  • Shooters, spins and slaps combined

How long does it take to see results?

Typically, you should be able to see results within a few weeks. It will take a few months or more to achieve your goals, depending on what they are.

Penis tissue can take a while to develop and grow so that it can accept increased blood flow. The corpora cavernosa are two hollow chambers in the axis of the male organ, they extend from the pubic bone to the glans and fill with blood during erections. These exercises enlarge the two corpora cavernosa and allow the penis to retain more blood.

It can also take a while to build your PC muscle. Any enlargement achieved with these stretching exercises will lead to a nice increase in the size of your member. You should treat the stretching exercises in your penis enlargement exercise program seriously and structure your sessions carefully, setting aside a regular period each day to complete them.

Research has shown that the average size of the male member is 5.1 to 5.7 inches when erect and 3.4 to 3.7 inches when flaccid. The girth when erect ranges from 3.5 inches to 3.9 inches in girth. Before you start you should measure yourself so you know how you are progressing. If your organ is within the above ranges before you start, your size may be more normal than you think and it should be easy to put on a significant gain of several inches.

So there you have it, once you’ve started a natural penis enlargement exercise program, you’ll never look back. It will take a bit of getting used to doing the exercises, but you will soon see growth in length and girth using these techniques.

You will probably also notice that your erections are harder and that you have a greater stamina in sexual performance, possibly you will notice a greater volume of semen and the power with which you can ejaculate. These effects are not as easy to measure or test as the visible increase in girth and length.

When choosing among penis enlargement exercise programs, be sure to select one that comes with a money-back guarantee. This shows that they are a reputable company and that they are willing to stand behind their penis enlargement product with confidence. It also proves that they probably have the best penis enlargement exercises that will allow you to increase your penis size. You can get a fairly cheap guide, probably for less than the price of a month’s supply of penis enlargement pills.

Having a larger member can also give men more confidence around women and make them feel better about themselves. Doing regular exercises for the penis can also help prevent premature ejaculation and results in a healthier male organ in general and a better understanding of how your body works and the health of your penis.

Now that you have read this article, you must have a good understanding of the methods that can be used to get a bigger male member. Of all the products available, the natural ones are the best, especially using exercises.

All you need to do now is take some immediate positive action and start your exercise routine today. You will be able to enjoy the results for the rest of your life.


Are astrology and the healing of ailments interrelated?

We come across many references in ancient Indian literature regarding the relationship between astrology and the probable timing of ailments. Recipes were also given for the treatment of diseases with the combined help of astrology and Ayurveda. Many classics proclaim that the expert healers of the past were also expert astrologers.

At that time, the only system of medicine known to man was Ayurveda. There were also some other systems similar to Ayurveda outside of India. All systems depended on species of plants and animals, stones and other materials for the preparation of medicines. The allopathic and homeopathic systems developed after a long time and both were aided by laboratory tests and research. The same degree of accuracy cannot be claimed for diagnosing an illness on the basis of an individual’s horoscope. However, there is a relationship between the timing of an illness and planetary influences that a competent astrologer can ascertain from a properly drawn horoscope.

Ayurveda practitioners in the past took the help of astrology in these matters. Vedic astrology is unique in that it advocates corrective measures in the form of propitiation of the planets also in the event of an illness occurring.

Many of these matters have been discussed in detail by Dr. KS Charak in his book “Fundamentals of Medical Astrology”. Dr. Charak is a practicing surgeon with a UK FRCS degree. He states in his book that knowledge of astrology becomes very useful in diagnosing and treating ailments and in discovering the probable time of onset of a disease.

Vedic astrology can help in the following ways.

Probable timing of illness: An astrologer can time the onset of illness even before it occurs by looking at the planetary combinations in the horoscope and using the “dasa” system and transit. This is an astrologer’s area of ​​strength that a medical doctor may not be able to do. An astrologer can also predict about the type of illness and the organs that are likely to be affected by the illness.

Diagnosis of diseases: the astrological classics point to combinations that can cause specific diseases according to the horoscope, but it is better to have it done by a doctor. An astrologer can provide valuable information on occasion. However, the diagnostic area is the doctor’s strength. In this field they seem to score above an astrologer.

Severity of illness: This area can be handled by both astrologers and doctors. Astrologers can understand the severity of illness by judging the degree of affliction of the planets causing the ailments and comparing the result with the current “dasa” and prevailing transits.

Treatment: Today’s medical remedies are much more superior and reliable compared to astrological remedies. However, astrology can help as a preventive tool. It makes an individual aware of the problems beforehand so that he can take preventive measures. You can take steps to dilute the impact of the disease by resorting to the methods prescribed by the astrological classics. Such methods are sometimes very useful. Surgical operations are also not 100% successful and opinions can be taken from competent astrologers in such matters. Doctors can be consulted after the onset of the problem.

Real Estate

Invest in Real Estate – 4 Investment Options

Investing in real estate is satisfying and lucrative, when done right. It can help you diversify your investment portfolio as well as generate additional income. Many real estate investments do not require you to deal directly with tenants. Plus, you can buy a property by paying only a fraction of the full price, then paying off the balance and interest over time. Here are four real estate investment options.

properties to rent

Investing in residential rental properties can be great, especially for people with renovation and DIY skills, and who have the fortitude to deal with tenants.


• Provides regular income
• Properties can appreciate
• You can optimize capital through leverage
• Many of the expenses are tax deductible


• Managing tenants can be tedious
• Vacancies can reduce revenue
• Tenants can damage the property

flipping the house

You can buy cheap properties that need a little improvement, renovate them cheaply, and then resell them at a profit. However, moving house carries some risks. First, your estimate of repair costs must be accurate, which is not an easy thing to do. Second, the longer the property is in your hands, the less money you are likely to make because you will be paying a mortgage with no income.


• Tie your capital only in the short term
• Possible quick returns


• A hot market can cool down unexpectedly
• Requires in-depth knowledge of the industry

Real Estate Investment Trusts (REITs)

REITs are traded on major exchanges, similar to stocks. A REIT arises when a trust/corporation uses investors’ money to purchase and manage income-producing properties. To maintain REIT status, 90 percent of the trust/corporation’s taxable income must be paid as dividends. REITs can allow you to invest in non-residential properties, such as office blocks and shopping malls, that may not be available for purchase outright.


• Highly liquid because they can be traded
• They are, in essence, shares that pay dividends
• Participations are usually long-term leases that produce cash


• Does not offer the leverage typically available in traditional rental property investing

online platforms

These online platforms link investors with developers who need capital for their real estate projects, either through equity or debt.


• You have the option to invest in a single project or a wide range of projects
• Geographical diversification


• Typically illiquid and speculative
• Management expenses


The four real estate investment options available to investors include rental properties, home swaps, REITS, and online platforms. Ultimately, the ideal real estate investment opportunities are those that align with your investment goals.