Limited Time Only
For a limited time, Fidelity & Guaranty Life is increasing
the initial interest rate for the FG Guarantee
Platinum® 5, a single premium fi xed deferred
annuity, to 3.60% for new annuity contracts issued on
or after March 14, 2018. This initial rate is subject to
change at our sole discretion at any time. This initial
rate is guaranteed for the fi rst 5 contract years only
and is thereafter subject to change.
Along with this competitive initial
interest rate, FG Guarantee-Platinum 5
• Free withdrawals of all accumulated
• 30-day surrender charge free window
after each 5-year rate guarantee
Contact us today for more information!
AGT Wealth Management
420- I Chinquapin Round Rd.
Annapolis, MD 21401
Phone: (443) 482-5147
†This initial investment rate is effective for new annuities with a minimum premium
deposit of $20,000 issued on or after March 14, 2018 for the fi rst 5 contract
years only. Therafter, the company may declare at its sole discretion a new rate
which could be lower. This initial rate is also subject to change for new contracts
at our sole discretion at ANY TIME. Surrender charges and market value
adjustments apply to withdrawals in excess of the accrued interest during the
“guarantee periods” which are 5 years. There is a 30 day window at the end of
each 5 year guarantee period and surrender charge period where you may withdraw
all or part of your annuity value without application of surrender charges or
market value adjustment. A new guarantee period and surrender charge period
will begin after the end of the previous ones. The surrender charge is 9 percent
in the fi rst year and declines by 1 percent each year for the next four years and
repeats for each successive period. Annuities are long-term savings vehicles that
are subject to limitations and conditions, state availability and certain suitability
requirements. Please see the applicable product brochure that is available from
your licensed insurance professional for details.
Annuity contracts issued by Fidelity & Guaranty Life Insurance Company, Des
Moines, IA. www.fglife.com. No bank guarantee. Not FDIC/NCUA/NCUSIF
insured. May lose value if surrendered early. Subject to state availability. Product
form numbers: FGL SPDA-MY-F (7-04) ICC14-1095 (06-14); ET AL.
Secuities offered through Parkland Secuities, LLC Member FINRA & SIPC,
Investment advisory services offered through Sigma Planning Corporation, a
Registered Investment Advisor. AGT Wealth Management is independent of
Parkland Securities, LLC &SPC.
JAMS AND PRESERVES
Summer is coming, which means plenty of wonderful
things are on the horizon, including fresh, succulent
fruit! Enjoy taste of summer fruit all year long by
making your own jams and preserves out of fresh
fruits. Effectively and cheaply savor your own slice of
summer by following the steps below on how to make
homemade jams and preserves.
Why Should I Make My Own?
To extend their shelf life of jams, manufacturers often
pump preservatives and other undesirables into your
food. Not to mention, they’re expensive! You can
select your own fruit at their prime and have a blast in
the kitchen for a fraction of the cost. This activity is
an also a fun way to get children involved and educate
them about healthy food.
What’s The Difference?
Although they are strikingly similar, jams and
preserves are not the same thing. Once you understand
the differences in textures, you can decide which suits
your preferences best. Jams are made up of mashed
fruits whereas preserves use big chunks or even the
whole fruit. Both are incredibly tasty homemade, now
it’s up to you to decide what texture you’re aiming for.
Tips Before You Start
1) Make sure your fruit is washed and any stems or
cores are removed. If you’re using fruit with a skin,
2) Take your time and cook in small batches so the
fruit can cool quicker and the color will be more
3) Use a 1 to .75 ratio for cups of fruit to cups of
4) If your particular recipe doesn’t call for lemon,
squeeze a couple tablespoons in anyway. Lemon juice
is a great, natural preservative and it brightens up the
5) Avoid burned pans by stirring your mixture every
6) The best way to know if your jam or preserve is
fi nished is the spoon test. Scrape a bit of your fruit
onto a spoon and if it can hold its shape for a minute,
Page 8 - Call us at 410-684-2600 BOWIE/MITCHELLVILLE PENNYSAVER May 23, 2018 - Zone 208