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19. Test APK Decompilation/Compilation Tools (HERE)
20. Use Emulators with Macros / Keymapping and Fake GPS (HERE)
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An annuity is a series of payments made at equal intervals.Examples of annuities are regular deposits to a savings acc, monthly home mortgage payments, monthly insurance payments and pension payments. Annuities can be classified by the frequency of payment dates. The payments (deposits) may be made weekly, monthly, quarterly, yearly, or at any another regular interval of time.
Annuities may be classified in few methods.
Timing of payments Payments of an annuity-instant are made at the end of payment periods, so that interest accrues between the trouble of the annuity and the first payment. Payments of an annuity-due are made at the beginning of payment periods, so a payment is made instantly on trouble.
Contingency of payments Annuities that deliever payments that will be paid over a period known in advance are annuities certain or guaranteed annuities. Annuities paid only under certain circumstances are contingent annuities. A common example is a life annuity, which is paid over the remaining lifetime of the annuitant. Certain and life annuities are guaranteed to be paid for a number of years and then become contingent on the annuitant being alive.
Variability of payments Fixed annuities – These are annuities with fixed payments. If provided by an insurance company, the company guarantees a fixed return on the initial investment. Fixed annuities are not regulated by the Securities and Exchange Commission. Variable annuities – Registered products that are regulated by the SEC in the United States of America. They let direct investment into different funds that are specially created for Variable annuities. Typically, the insurance company guarantees a certain death benefit or lifetime withdrawal benefits. Equity-indexed annuities – Annuities with payments linked to an index. Typically, the minimum payment will be 0% and the max will be predetermined. The performance of an index determines whether the minimum, the max or something in between is credited to the customer. Deferral of payments An annuity which starts payments only after a period is a deferred annuity. An annuity which starts payments without a deferral period is an instant annuity.
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Full title: Annuity
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