How to select annuity payments
Decide if a retirement annuity is right for you.
Annuities are financial investment options for those who want secure, steady, and guaranteed income during their retirement. An annuity is an illiquid asset, meaning that it cannot easily be sold or exchanged for cash.

OPTIONS:
- Only some investments are considered " safe ", meaning that you can exchange money for an annuity on a regular basis. The other half of major investments in the early phases of retirement are considered " undoable ", which means that there will be no way to cash these investments back later on.
- However, there are other types of annuities that are typically smaller and will not necessarily provide the same apr as annuities. Most annuities are found in retirement savings bonds and are accepted as iras.
- When you cash out of your annuity, you have the option to take a lump-sum payment, or you can choose to have guaranteed payments that are scheduled for a set period of time. Understand how annuities are taxed.
- In addition, annuities are small purchases that are not fully invested and rarely come to full value. After acquiring an annuity, you have the option of seeing how much you make each month, where you deposit your investments, and how long you can observe interest payments.

When you cash out of your annuity, you have the option to take a lump-sum payment, or you can choose to have guaranteed payments that are scheduled for a set period of time. Understand how annuities are taxed.

How to be a good hamster owner (for kids )
Get a large enough cage.
Perhaps the most important item you'll need is a small cage or terrarium. This way, your little friend will have a safe place to play.

OPTIONS:
- You could also make sure there is a door in the cage. A door in a closet is an ideal thing, as the best conditions are hard to escape through.
- Or, you might just try using a miniature playpen or a puppet theater. Start at the smallest and move down.
- Many hamsters are visual animals so they may have difficulty seeing details. The smaller the cage, the bigger your cage needs to be.
- Your terrarium should be greater than 15 inches long by 12 inches wide and 15 inches high (38 by 30 by 38 cm). If you have a lot of toys or places for your hamster to climb and explore, though, you may need a bigger cage.

Your terrarium should be greater than 15 inches long by 12 inches wide and 15 inches high (38 by 30 by 38 cm). If you have a lot of toys or places for your hamster to climb and explore, though, you may need a bigger cage.

How to choose a pen
Use a ballpoint pen.
Ballpoint pens are the most common variety you're likely to find. They make use of a rounded tip that allows oil-based ink to go on smooth and dry quickly.

OPTIONS:
- If you want to use a ballpoint pen every day, you can purchase a larger or thinner pen. Smaller pens require ink on a thicker, thicker working surface.
- Ballpoint pens also have smaller curved tips that allow ink to set faster and feel easier to insert. Make sure you select a ballpoint pen with long, narrow sides and wide beveled tips that don't make your ink jets stick out.
- While you don't necessarily need a very thin pen to scribble, a thinner pen can make making small, discrete notes easier. A ballpoint pen can be expensive, and will involve additional tips.
- Ballpoint pens are basic, inexpensive and easy to purchase in large quantities. For most purposes, a ballpoint pen will work just fine.

Ballpoint pens are basic, inexpensive and easy to purchase in large quantities. For most purposes, a ballpoint pen will work just fine.

How to effectively lead groups
Do ice breaker activities.
One way you can be a good group leader is to break the ice with activities when the group first gets together. Do ice breaker activities with the group so everyone can introduce themselves.

OPTIONS:
- Set aside a clear time for the activities so everyone is involved. Host an ice breaker or ice restaurant.
- Once again, this will allow the group to talk about what we should be doing and to develop strategies and methods for each activity. Make sure that you follow the rules with each group member at the start and after.
- Make sure all the group members get a chance to speak to one another on the first day so they feel less like strangers. For example, as an ice breaker, you may do a simple go around in the group where everyone says their name and a personal detail about themselves.
- Keep friends and family with you while you do these activities. Keep your group together as you explain the procedure for stopping the ice breaker and how to exit.
Make sure all the group members get a chance to speak to one another on the first day so they feel less like strangers. For example, as an ice breaker, you may do a simple go around in the group where everyone says their name and a personal detail about themselves.