Cleo Schoemgarth

But how much does an annuity pay per month? That depends on the type of annuity you have, the payout duration and the principal investment.

An annuity is a contract between you and an insurance company. When you buy an annuity, the insurance company is required to make payments to you, either right away or at some specific point in the future. In exchange, you make premium payments, either as a lump sum or in installments.

Annuities themselves are either immediate or deferred:

According to Melody Evans, a wealth manager advisor with TIAA, annuities can be appealing because they provide periodic payments in retirement.

“Annuities provide certainty,” she says. “Fixed annuities can provide a known and stated crediting rate and annuity payouts provide a known and stated monthly payment.”

You also pay no taxes on the income and investment gains until you start taking withdrawals. In this way, annuities offer tax-deferred growth.

Before purchasing an annuity, you likely want to know how much you can expect in monthly payouts.

According to Misty Garza, a certified financial planner and vice president with Bogart Wealth, annuity payments vary based on several factors.

“Annuity payments are a function of the individual’s age, current mortality tables, current interest rates, and how much they are putting into the annuity,” she says.

Although there are three main types of annuities—variable, indexed and fixed—for demonstration purposes we’ve focused on calculating the monthly payouts offered by fixed annuities.

With a fixed annuity, the insurance company guarantees the payout will be the principal and a minimum rate of interest. As long as the insurance company you choose is financially stable, the money that you have in a fixed annuity will grow, and it will not drop in value.

To calculate your payouts, consider the following variables:

The formula to calculate your annuity payout is:

P = (d[1-(1 + r/k)-nk])/(r/k)

Assuming a $100,000 one-time contribution, a 4% interest rate and a 10-year payout period, here’s how to calculate your monthly payouts:

$100,000 = (d[1-(1 + 0.04/12)-10*12])/(0.04/12)

Using that formula, you can find your monthly payout with different terms:

If math is not your strong point, or if you’re simply looking for a faster method, you can use any number of online annuity payout calculators.

In general, experts recommend that annuities complement your retirement savings, but they shouldn’t make up your entire plan.

“Annuities have their place for certain individuals, but they are not meant for everyone,” Garza says. “I think it is important to understand one’s risk tolerance and comfort level with the market to determine whether or not they will be better off with an annuity for an income stream.”

When considering whether an annuity is right for you—and how large of one to purchase—keep in mind that annuities lock up your cash.

“The biggest [drawback] is no longer having a larger pot of money to draw from should you have a major expense come up,” Garza says. “Because of this, it is important to make sure you do not put all your money into the annuity.”

Unlike bank accounts, annuities aren’t insured by the government through the Federal Deposit Insurance Corporation (FDIC). As you consider your options and weigh the pros and cons of annuities, consulting with a financial advisor can help you create a plan that works for you.

capillary, venous or arterial puncture are some of the methods of blood sample collection. The age of the patient and the characteristics that the sample must present will be the most important factors.

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Find out the latest updates on its indications, advantages, and how to carry them out in order to determine which is the most recommended in this population.

It is common to think of a heel prick when we talk about capillary blood samples in newborns.

One of the most frequently performed procedures in intensive care units is capillary blood collection.

This method is discouraged in full-term babies. Clinical practice shows that venipuncture is preferable for blood collection in these patients since it reduces the pain to which the newborn is exposed and its associated morbidity.

The capillary blood collection is indicated.

On the other hand, in addition to term newborns, this practice is not recommended when the patient is in a state of shock, as their peripheral blood flow decreases; there are coagulation disorders that increase the risk of local bleeding or ecchymosis; or perista a polycythemia.

Local problems must be taken into account when performing a capillary extraction. The area affected by an infectious disease could become a systemic one or the existence of puncture edemas could make it difficult to obtain blood.

The procedure has some disadvantages.

It has been shown that the results obtained through capillary collection may be inaccurate since it has been shown that heel prick is associated with high rates of false results of hematocrit, as well as levels wrong blood gases.

It is a specialized nursing procedure designed for the measurement of arterial blood gases that has been reduced in practice due to technological development and the appearance of less intrusive methods. It's not the priority method of choice, but it will prevail.

Neonates with respiratory distress or metabolic disorders can be evaluated with the help of the analysis of arterial blood.

The method is used for 2,4.

The temporal, brachial, radial and femoral vessels will be used for the sample's extract, but only if there is no more suitable arteries.

The risk of gas embolism, hematoma and thrombus is too high for this type of puncture to be used in premature infants. The team will consider whether there is an increased risk of infections at the puncture site and whether it will be diverted into the chosen blood vessel. In both cases, the puncture will be ruled out.

In this case, the results may be misinterpreted by excessive heparinization of the syringe or thecontamination with gas bubbles, as in capillary puncture.

Venipuncture is now the preferred method for obtaining blood samples in premature babies, despite the fact that capillary puncture is still the preferred method.

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