INPUT ARTICLE: Article: Check your paperwork or call the issuing firm to find out whether your payout is immediate or deferred. If it is an immediate annuity, the payments will begin immediately after your initial investment. If you have a deferred annuity, it will accumulate regular rates of interest. Your investment may be fixed or variable—you can also check your paperwork or call the issuing firm to find out this information. A fixed annuity will have a guaranteed rate of interest, and therefore a guaranteed payout. A variable annuity depends heavily on the performance of its underlying investments and therefore offers payouts that may vary from month to month. You choose the investments at the time you purchase the annuity. This annuity is also tax-deferred. Check your annuity contract or call the issuing firm to find out your annuity's liquidity options—it may have penalties for early withdrawal. Some annuities with withdrawal penalties may allow you to withdraw a portion without penalty, however, while other annuities may be available without any withdrawal penalty, such as no-surrender or level-load annuities.

SUMMARY: Determine the type of payout of your annuity. Determine the investment type of your annuity. Know your liquidity options.


INPUT ARTICLE: Article: Teams can consist of individuals, pairs, three players, or four players. Regardless of how many players you have, you need to separate the players into two equal teams. Each team should also have a leader. The jack is a small white ball that is rolled to establish the target. A coin is tossed to determine which team's leader will roll the jack. That person must stand on a mat at one end of a rink and roll the jack down the rink. The jack must travel at least 25 yards (23 meters) but should not roll past the boundary pin. Move the jack to the center of the rink, keeping it even with the same length it rolled to. Lawn bowls are balls are made of hard plastic and range in size from 4.5 inches (11.4 cm) to 5 inches (12.7 cm) (116 mm to 131 mm). The weight should not exceed 3.5 lbs (1.59 kg). Each team must alternate. One teammate from the first team should roll his or her ball, then another teammate from the second team should roll his or her ball, and so on. The lawn bowl must be rolled within the rink and players should aim for the target jack. A shot is a lawn bowl that was delivered closer to the jack than the opposing team's bowls. For instance, if Team A delivered three bowls far away from the jack and further away from Team B's bowls, but delivered one bowl directly next to the jack, closer than any of Team B's bowls, Team A has one shot and Team B has zero. Stand at the opposite end of the rink and repeat the jack delivery, lawn bowl delivery, and counting of shots. This completes an end. There are two methods of deciding when a game is complete. In the first, the game ends when one team reaches 21 points. In the second, the game ends after 18 or 21 ends are played, and the victor is whoever had the highest score.

SUMMARY: Separate into teams. Deliver the jack. Center the jack. Take turns rolling the lawn bowls. Count the shots. Reverse the direction. Tally up the shots.


INPUT ARTICLE: Article: It can be hard to talk about an illness like anxiety disorder. You might be afraid that your family will judge you or become uncomfortable and not know how to act around you. Still, it’s worth it to talk even if you’re not sure how your family will react. Ask to have a talk with someone, whether it’s your dad and mom, siblings, other relatives.  Your family will probably have already realized that something is amiss. They may want to do something to help you, but not know exactly what is wrong. Having a serious conversation will give them a better chance to assist you. Start with asking to sit down and talk. You don’t have to say anything specific at this point, but only indicate your desire for a conversation. Say, for instance, “Hi Dad, do you have some time to talk later? There’s something I have to say.” Or, “Mom, can we talk later today? I want to talk about something important.” The right moment to break the ice could come naturally. Your parents might see you have an anxiety attack and ask you afterward, “What’s going on? Is everything OK?” Use this opportunity to raise the topic. Your family may realize something is wrong, but don’t assume that they do. People are often busy and caught up in their own lives. That said, it’s best to bring up the subject when there is plenty of time. Choose a moment when your family is at home, relaxed, and at leisure—after work or dinner, for example.  Talk when you’re feeling well and ready. You also shouldn’t rush an important conversation like this. Make sure that you have a good block of time (probably an hour or more) and to approach your family when they are free and won’t need to rush off. Pick a quiet and private place, ideally at home, so you can speak openly and honestly without being self-conscious. If it’s an emergency, however, act immediately. Say that it’s urgent and you need to talk. You might find that the idea of talking about your anxiety triggers more anxiety for you. In that case, think about writing an open letter to your family members. You can include all the same information and can either read it aloud or ask them to read it privately, leaving the chance for a later face-to-face conversation.   Your letter can be as short or as long as you’d like it to be. Make sure to express the main point, though, i.e. “Mom, I’ve been having trouble managing my stress and anxiety. Sometimes I get panic attacks.” Or, "You might have noticed that I have odd routines, Dad. I keep thinking that, without them, something terrible will happen.” Leave the letter where your family will find it, like on the coffee table, the kitchen table, or the mantle. Or, bring it along to the talk to read aloud. Say something like “I wrote down a few words that I’d like you to hear.”

SUMMARY:
Start a conversation. Pick a good moment. Consider writing a letter.