New York Life Annuity 2010-2025 Form

Departments of education and school districts always have to make decisions about what to include in their curriculum.  There are a lot of life skills that people need that aren't taught in school.  The question is should those skills be taught in schools?I teach high school, so I'll talk about that.  The typical high school curriculum is supposed to give students a broad-based education that prepares them to be citizens in a democracy and to be able to think critically.  For a democracy to work, we need educated, discerning citizens with the ability to make good decisions based on evidence and objective thought.  In theory, people who are well informed about history, culture, science, mathematics, etc., and are capable of critical, unbiased thinking, will have the tools to participate in a democracy and make good decisions for themselves and for society at large.  In addition to that, they should be learning how to be learners, how to do effective, basic research, and collaborate with other people.  If that happens, figuring out how to do procedural tasks in real life should not provide much of a challenge.  We can't possibly teach every necessary life skill people need, but we can help students become better at knowing how to acquire the skills they need.  Should we teach them how to change a tire when they can easily consult a book or search the internet to find step by step instructions for that?  Should we teach them how to balance a check book or teach them how to think mathematically and make sense of problems so that the simple task of balancing a check book (which requires simple arithmetic and the ability to enter numbers and words in columns and rows in obvious ways) is easy for them to figure out.  If we teach them to be good at critical thinking and have some problem solving skills they will be able to apply those overarching skills to all sorts of every day tasks that shouldn't be difficult for someone with decent cognitive ability  to figure out.  It's analogous to asking why a culinary school didn't teach its students the steps and ingredients to a specific recipe.  The school taught them about more general food preparation and food science skills so that they can figure out how to make a lot of specific recipes without much trouble.  They're also able to create their own recipes.So, do we want citizens with very specific skill sets that they need to get through day to day life or do we want citizens with critical thinking, problem solving, and other overarching cognitive skills that will allow them to easily acquire ANY simple, procedural skill they may come to need at any point in their lives?

You must determine your New York State residency status. You need to answer these questions:Did you live in an on-campus apartment or an apartment or house off-campus in New York State in 2012?Did you maintain, or rent, the on-campus apartment or off-campus residence for at least 11 months in 2012?Were you physically present in New York State for at least 183 days in 2012?If the answers to all three questions are "Yes", and you were not a full-time undergraduate student (which as an F-1 OPT I assume you were not), you are a New York State resident for tax purposes. Otherwise you are a nonresident.You file Form IT-201, http://www.tax.ny.gov/pdf/curren..., if you are a resident of New York State, Form IT-203, http://www.tax.ny.gov/pdf/curren..., if you are not.

Wow. That is hard to describe. First of all, it is incredibly expensive. My husband and I live in a 650 square foot apartment in Chelsea, which is a neighborhood in Manhattan, and we pay $4,000 a month rent. This rent is typical in much of Manhattan, unless you rent in a four story walkup. There are lower rents in Harlem, but that is starting to change.It’s loud. Noise is everywhere. The traffic, beeping horns, the subway trains, sirens, loud people. It takes a while to adapt.Work. It's a hard working city. Many people put in very long hours, whether to make those large corporate and law firm salaries or working three jobs just to get by. It makes the city incredibly busy and focused.Diversity. Well over 800 languages are spoken here, and the dress, habits and food are from almost every world culture. As a gay man, I feel safer here than anywhere I've ever lived.Speaking of safety, NYC is the safest large city in the US and one of the safest large cities in the world. I walk around Manhattan, from Harlem to the Financial District, anytime night or day, and have never felt unsafe.It's a walking city. We don't own cars, and if we can't walk we use the trains. $2.75 and you can go anywhere, even to the beach. I ride trains almost every day. Crowded and not a great system compared to European systems, but it goes everywhere.You entertain out in the city. People do not have friends “over” very often, because apartments are so small. You meet in restaurants, bars, parks, etc.Oh, and the parks. Union Square. Washington Square, little Stuyvesant Park, Madison Square, the list is long and they are wonderful places to stop and rest and be entertained. And of course, Central Park. What's not to like? You can spend a whole Sunday afternoon there walking and eating and going to the zoo and being entertained for free.The weather is changeable, and there is snow in winter and humidity in the summer. But Spring and Fall are delightful. There are flowers everywhere and the breeze off the Hudson River in my neighborhood is sweet.Water. Rivers, beaches, long strolls along the seaport. Seagulls. NYC is surrounded by water.Food. It's the best. From food trucks to fine dining, you can find about everything here.Culture. Incredible museums (MOMA, Natural History, the Met, Whitney… ), you could never see it all. Wonderful small galleries. Opera, symphony, dance. And of course Broadway. Theater is just extraordinary. And the libraries: some are architectural gems as well as storehouses of knowledge.I’ve lived in Charlotte, DC, Philadelphia and several smaller towns. But nothing (in this country) compares to NYC. I retired here (no Florida or resort condo for me), and I wake up every morning feeling incredibly fortunate to live here. And, yes, I do realize this answer is Manhattan-centric. And there are four more exciting and dynamic boroughs (well, maybe Staten Island’s not exciting!). But, it's what I know.A word of advice: don't ever forget the expensive part. It’s best to have a job in hand when you come to live here, and expect to work hard. I am fortunate to be retired, but most people work very hard to live here. Cheers!

I've lived in both cities. Really depends what you want. New York is a city that you immediately fall for. London is an affection that grows steadily on you over time.New York is more fast-paced and far more dense. It's more obvious exactly what is open late until 4 a.m. and what isn't. The city has an energy that stretches the limits of how long you think it is possible for a human being to be awake.  Public transportation is very, very cheap and it's fast to get from one side of the city to the other. On average, if you were to pick a random restaurant, I think the food is better. London is more like a collection of villages that have grown into each other over 1,000 years. It's lower density and I believe it takes longer to get from one side of the city to another. The Tube only runs until 12:30 or 1 a.m. (But the really edgy part of London -- Hackney & Dalston -- is only a short bus ride or maybe even walking distance from the financial center if you're liberal about what you consider its boundaries. Lower Manhattan, while extraordinarily fun to live in, is over-commercialized. The unique little shops and curiosities that made it an unusual place to live increasingly feel more like a vestige of the past to me there. Chains are kinda taking over.)  I personally think the artistic culture is far less commercial and much more innovative in London than New York. The Arts Council supports all kinds of local, eccentric and home-grown projects. Fashion is quirkier and more original. Alexander McQueen, I think, could have really only come from the U.K. and Central St. Martins. New York's designers and artists think about what will sell. London's artists think about what is conceptually new, even if it is difficult and considered unattractive now.London is also a more international city than New York. (I say this somewhat controversially). While about one-third of Londoners and New Yorkers are foreign born, America encourages more of a hyphenated sense of identity. People are Mexican-American, or Ethopian-American, or Chinese-American. In that sense, while New York may be international, the U.S.'s comparatively prohibitive immigration policies mean people try to stay in the country for a longer period of time and become more assimilated than they do in London, where dozens of other countries are literally an hour's flight away.  Travel, of course, is a major plus in London. You can you get away for ~$100 to Andalusia, Morocco, Turkey, Berlin, Milan, Rome, etc. Travel is deeply ingrained into the culture and Londoners now legally have five weeks of holiday a year.London's food culture is improving, but you really have to know where to go and when. Over the past several years, Brits have come to embrace and elevate their own cuisine and local produce. I love the different mix of international cuisines there too. Growing up in California meant I considered Italian, Mexican and Chinese to be the great trinity of foreign cuisine. In Britain, chicken tikka masala and the Turkish kebab rule. Sunday roasts also seem to be the functional equivalent of the Manhattan brunch. One of my favorite things to do in London was get lost in the Sunday markets -- Broadway Market, Upmarket, Borough Market, Brixton -- really, any of them. There are hundreds of stands where you can find the best hog roast, cheese brought in overnight from France, nduja from Calabria, octopus balls, banh mi, spanakopita, curry, Ghanaian stew, bizarre T-shirts or whatever. If you want to stay out very, very late, you also have to know where to go. Most places close down around 1 or so. The drinking culture is also far more onerous on your liver. A week of Manhattan drinking is more distributed. It might involve cocktails and wine on several nights, with some extra drinking on weekends. A week of London drinking and the culture of buying rounds -- where everyone is expected to buy a round of drinks for everyone else -- means you end up drinking WAY more than you should. If I went out drinking with a group of eight people, all eight people would end up buying drinks for everyone else. And then I would buy eight drinks for everyone (which is way more than I would ever pay for in the U.S. being a small-ish woman).If you're American, it's much easier to find a social circle in New York. Americans are just much more open to loose and sudden friendships. With Brits, you have to know them for at least a couple months until they feel really comfortable with you. You can apply this same line of thinking to dating -- except when Londoners go on the lash, which is probably the only time some Brits feel truly comfortable with themselves. (Just teasing!) In New York, the upside and the downside of dating is the paradox of choice. Enough said there. There are entire TV shows, movies and books devoted to this problem. Almost every New Yorker will tell you that they love the city and would have a hard time living anywhere else in the world. Virtually no Londoner will tell you the same thing about London. They will moan about the weather and reminisce about their holiday in Phuket, Ibiza, etc. Don't mistake this for misery (most of the time). Brits and Americans just have different ways of expressing themselves. Londoners find our flagrant use of "Amazing!" "Awesome!" and "Love!" as tiring and insincere as we find their lack of eye contact and smiling (amongst strangers) cold and dispassionate. Also, talking about what your job is or asking the requisite "What do you do in the city?" question immediately is a faux pas in London.  The vulgarity of that question also probably has a little to do with how Britain is a class-based society where a person's stature in life should be readily apparent through their accent, demeanor and dress to other Brits. This isn't the case in the U.S. so Americans tend to probe more, especially in New York, where a person's career is a major -- if not the most important -- part of their identity. Then of course, there's the cliche that Americans live to work, while continental Europeans work to live. The British tend to be somewhere in between those extremes. In Britain, frivolous banter is a high art. Talking about nothing can be a way to probe a person's intelligence, wit and creativity.I can't really compare costs at this point since the pound is so weak. When I lived in London, GBP-USD ranged from ~$1.40 to $2.10. When the pound was hovering near its peak, the daily costs of living were extraordinarily high, but rent took up a comparatively smaller share of my monthly income than it did in New York. Health care is also free (er, nationalized) in the U.K. I can't speak for older people who are likely to have more serious health problems, but for a younger person in good health, this was awesome. No having to stress about what's covered and what's not, figure out who is a provider and who is not, be shocked by unanticipated co-pays that were not listed in the original health plan marketing material, be sent random $200 or 300 bills for a routine annual when your doctor for whatever reason can't bill your health insurance provider, have expensive, unnecessary tests or consultations pushed upon you, worry when you're in between jobs, or re-figure everything out again when you change jobs or your company gets acquired. Also, the very best essay I have ever read about the experience of a young person in New York was written by Joan Didion: http://www.mtholyoke.edu/~zkurmu...

As Sarah said, leave it blank or, if it's a free-form text field, put in "Freelancer".If you put in $50k and they were thinking of paying $75k, you just lost $25k/year.  If you put in $75k, but their budget only allows $50k, you may have lost the job on that alone.If you don't put in anything, leave it to the interview, and tell thm that you're a freelancer and adjust your fee according to the difficulty of the job, so there's no set income.  If they ask for how much you made last year, explain that that would include periods between jobs, where you made zero, so it's not a fair number.In any financial negotiation, an old saying will always hold true - he who comes up with a number first, loses.  Jobs, buying houses - they're both the same.  Asking "How much?" is the better side to be on.  then if they say they were thinking of $50k-$75k, you can tell them that it's just a little less than you were charging, but the job looks to be VERY interesting, the company seems to be a good one to work for and you're sure that when they see what you're capable of, they'll adjust your increases.  (IOW, "I'll take the $75k, but I expect to be making about $90k in a year.")They know how to play the game - show them that you do too.

I lived in NYC for over 10 years, and now live in Paris. If all things were equal in terms of language and immigration status, I would definitely say daily life in New York is harder.NYC is more expensive than Paris (though you do get paid more too), you work all the time and the grind of the metro and pizza rats and crazy people exposing themselves can wear you down. Paris can be crowded, Paris can smell sometimes and Paris definitely has rats, but compared to The Big Apple there is no question life is a little easier in the City of Lights. If money is no object, NYC is my choice though.There are also more protections for residents in terms of healthcare and job security in Paris. No one goes bankrupt because they don’t have insurance or gets fired for no reason.The daily lifestyle isn’t that different however. You don’t need a car, people come visit a lot, and you can go out to eat in a different place every night for a year if you wanted.I wrote a whole article on the differences between Paris and NYC if you are interested to hear more about my experience: Life in Paris vs New York City

I lived in both cities and still have family in both. I was born & raised a Chicagoan, but escaped to NYC for college and future prospects. I eventually came back to Chicago. Lots of reasons, but I’ll try and simplify (and sorry for the generalizations!)…The New York attitude. It infects you. Screw anyone but yourself. If a person is lying on the street and bleeding to death, New Yorkers will move on. Chicagoans will help you. Call it the Midwest attitude, but there is a friendly, neighborly demeanor about it. New Yorkers are worried about being sued, or benefit from suing others. There is nothing better than seeing a person smile and say hello to you on the street, than getting a “f&@k you, mind your own business” attitude.The food. People always rave about the food in NYC. Do you know why? It’s because the city has a diverse and HUGE population to cater to individual needs. That being said, establishments will charge you 2–3 times the price for a fancy Kobe beef hot dog or cowboy-cut steak. I would rather go to Portillo’s for a good hot dog (without kraut, who puts kraut on a hot dog anyway?!) and get my steak from a local butcher in the Chicago area.Who lives in NYC? Especially Manhattan and Brooklyn. It’s Millennials and people who aren’t from New York to begin with. They think it’s cool and hipster to live in NYC. Experience one Chicago winter and they will die.Driving. You can at least drive in Chicago but mind the one-way streets in the downtown area. New York? Fugget `bout it! Unless you like aggressive driving and don’t mind getting your car dinged while parked or stopped at the red light. If you don’t want to drive, there is the subway. Sure, it’s cheap, but if you have a family in tow, I doubt you want them to see the seedy side of life at such a young age. This leads to my next point…NYC is not a family friendly destination. I would rather take my family to Las Vegas than NYC. Unless you get a kick out of seeing drunkards fighting in the streets and enjoy smelling the open garbage, go to Chicago. At least we have ordinances against public intoxication and vagrancy.Pizza. Aside from the good and traditional coal-oven pizza joints in NYC (which I can count on one hand), what constitutes for regular pizza in NYC is cardboard with tomato sauce and cheap mozzarella. The reason why you have to fold the slice to eat it is to drain the grease before you take a bite. Chicago deep-dish and thin crust all the way!I can go on and on.Cheers!EDIT: I'm editing my answer to placate some of the sensitive “New Yorkers” who have taken issue with my answer. If you are a true New Yorker, you should know how to dish it and take it. Otherwise, go to South Jersey where you'll be eaten for breakfast for being too “sensitive.” The Yankees and Giants suck. Get over it! ;-)

Get yourself Metrocards. They work in the Subways and on the buses. Each ride is about $2.75. However, you can transfer from bus to subway, bus to bus, Subway to Subway, or Subway to bus for free.When I take people around for two days, I typically start with the Statue of Liberty. First boat goes out at 8:30 a m. Do not talk to sidewalk ticket agents. At best, they will sell you the $19 ticket for $25, with a commission. At worst, thousands last year paid for boat trips that did not go to the Statue of Liberty, after being told by street ticket agents that it would.From the statue, it's a short walk to either the financial district or World Trade Center Memorial. (We don't call it Ground Zero anymore.)After that, I walk over the Brooklyn Bridge to Brooklyn Heights, with its beautiful 150-year-old houses, including those that housed Arthur Miller, Norman Mailer, Truman Capote and WH Auden. Stop at the Brooklyn Heights Promenade with a 15 km or 10 Mile view of the city and the harbor.This takes us to lunch the first day.Contact me if you want to learn the rest of this two-day itinerary. I'm always looking for another day of work!

As many as you want to !

A New York Life Annuity is a financial product that provides a steady stream of income during retirement. It is designed to offer stability and security, ensuring that you have funds available when you need them most. Investing in a New York Life Annuity can help you manage your retirement planning effectively.

New York Life offers several types of annuities, including fixed, variable, and indexed annuities. Each type serves different investment strategies and risk preferences, so you can choose one that aligns with your financial goals. Understanding the benefits and features of each can help you make an informed decision.

Purchasing a New York Life Annuity can typically be done through a licensed insurance agent or directly through the company’s website. It involves assessing your financial needs and selecting the right annuity product that fits your future income requirements. Consultation with a financial advisor may also help streamline the process.

One primary benefit of a New York Life Annuity is the guarantee of income for life, which can offer peace of mind in your retirement. Additionally, these annuities may provide tax-deferred growth on your investments until withdrawals begin. They are also customizable, allowing you to tailor your annuity to fit specific financial needs.

Yes, New York Life Annuities may have fees that include surrender charges, annual fees, and investment management fees, depending on the type of annuity chosen. It's essential to review the fee structure detailed in the annuity contract to understand your total cost. Being aware of these fees helps in calculating your potential returns.

New York Life Annuities can integrate well with other retirement savings vehicles, such as IRAs and 401(k)s, providing a more comprehensive retirement strategy. This type of integration can enhance your overall investment portfolio. By combining products, you can achieve a more balanced and diversified financial approach.

Absolutely! New York Life Annuities offer a range of customization options, such as choosing the payment frequency, adding riders for enhanced benefits, or selecting varying investment strategies. Customizing your annuity can help align it more closely with your specific retirement goals and lifestyle needs.