A Quick Overview on Historical Architecture in Europe

When you take tours in European cities with professional tour guides, history will probably be the topic the guide will discuss the most. But something you will hear a great deal of the historical architecture. Tragically, so much of it was destroyed by war, especially during the bombings during World War II. Many of the city centers were literally wiped out, and with a few exceptions (Paris being one), so you will see these architectural wonders alongside of a block of sixty year old buildings that were obviously thrown up in a hurry.

But when you do see one of these architectural marvels, your tour guide will say it is “early Gothic” or “Baroque”, as if you should know what that is. So here we will try to give a very quick overview of some of the architecture types you may see, and what eras they were from.

1. Romanesque (500-1200 AD). You will see this type of architecture in France, and to a lesser amount in Germany and other countries. Meaning “descended from Roman”, it reflects simplicity compared to the next wave of Gothic. This was a period of great castle-building, but the style will be seen more frequently in the churches of this era.

2. Gothic Architecture (1100-1450 AD). Started in France and originally called the French Style, as new ways of construction allowed them to build pointed arches, ribbed vaulting supported by columns, flying buttresses, stained glass windows and very elaborate sculptures. When styles changed and the French Style fell out of favor, it came to be derisively known as “Gothic” after the Germanic (Goth) barbarians, which of course was untrue.

3. Renaissance Architecture (1400-1600 AD). Renaissance in French means born anew, as opposed to the asymmetrical Gothic, this was a return to the symmetrical and proportioned buildings that are Classical Greece and Rome. Look for classical columns and arches, with domes and niches that will contain sculptures.

4. Baroque (1600-1830). In Italian barocco means “bizarre”, and this style is marked with extravagance. Europe during this time was becoming much wealthier, and it shows in this architecture, highlighted by huge domes, huge spiraled columns, marble of multiple colors, and large murals. There will be variations of this in Italy, France, Great Britain and Spain.

5. Rococo (1650-1790). This came on as a variation of the Baroque Era, with some exceptions. Adopted as a softer version of Baroque, it will have more pale colors and more delicate curves. You will more likely see this in central and eastern Europe in countries such as Germany, Austria and Russia, to name a few.

6. Georgian Architecture (1720-1800). Originating in Great Britain and Ireland, this is characterized by its square, symmetrical shape inspired by Greek Classical architecture. This style is found in large, stately homes as greater wealth was accumulated among the upper classes. In America, this style became the rage in the American colonies.

7. Victorian Architecture (1840-1900). Seen in the British Isles and it isn’t surprising that the dominant architecture of this period would come out of one of the centers of world trade, and also of great wealth. Due to the Industrial Revolution, they were able to use new materials and technologies to form an eclectic blend of architectures that are prominent still in Great Britain and America.

This is obviously just a brief overview of a very broad, but interesting subject. There is so much more to learn about this subject, but hopefully you will have something to relate to when your tour guide points up the architectural type of building they point out.

Seeing Architecture on Your Italy Vacation

During your Italy vacation you will find that architecture here has had strong ties to religion through the ages. Most of the truly amazing architectural pieces are religious buildings like churches and chapels. Just walking around the tourist attractions and in the nation side you will encounter several chapels and churches with great and unique architectural design. The’re numerous other pieces to observe in the architectural middle around the world. But as with many things to are not working you will draw more out of a tour if you have a guide. You guide will be able to provide you with the history surrounding what you are seeing and its significance. He or she will be in a position to accurately describe the architectural style and point out important details.

Although a lot of architecture is surrounded by religion in Italy, nothing says a great piece of ancient architecture such as the Colosseum. Is one of the most popular destinations for tourists asleep in Italy and likewise the world but the person who is its architect is unknown. It is the massive stadium that was built for sporting events and is now infamous for the gladiator games that happened here. It could seat 50,000 people and had 80 entrances! During your Italy vacation you can enter the Colosseum by yourself or so with a group for an unlimited time but you can take a guided 45 minutes tour which will only cost you some dollars more. You ought to get more out of your visit by taking the guided tour alternative.

An excellent piece of architecture that you may be in a position to see if you are in Venice while in Italy for vacation is the Il Teatro del Mondo. This translates to “The Theater of the World.” It is a more contemporary piece of architecture designed by Aldo Rossi that opened in 1979. Modeled after the floating theaters that were in Venice in the 18th century, it was constructed in a shipyard and then carefully towed across town. Using steel beams for support the builders welded the beams together to make your raft that now sits on the water. The architect Aldo Rossi had a dream to recompose Venice and as you will see during your Italy vacation here he managed to bring old Venice into the new.

If you are in Florence, Italy asleep, you should probably see the Pallazo Vecchio. It is huge gothic town hall by using a famous copy of Michelangelo’s David statue. At one point in Italy’s history, this building was the seat of the government around 1865. It is now where Florence’s city council holds its offices. Each room, courtyard and entrance features beautiful architectural designs. The’re private rooms and studies and each room is named after an architectural feature in the room. During your Italy vacation, you often requires a guided tour of this huge building or you can walk through it at your leisure to marvel at the spectacular ceilings and beautiful designs.

Architecture Books – A Source For Learning Apart From Schools and Colleges

Architectural books serves as a best guide in helping designer find a better way to create a plan. Through planning, research and direction a Architecture student can find valuable self-discovery through the use of these sorts of books.

A source for learning
There are many ways to gain knowledge about a field. The source can be from a school or a college or it can be gained from a book too. An architectural designer is the one who creates the design and plan for the structure that is to be building upon. The design and the structural involve commercial buildings, bridges and residence too. This process of designing and constructing a building is done by a person or a computer. The building is laid upon the surrounding space around it. Architectural designers should have a good creative skills, imagination and artistic talent.

Knowledge center
Books are considered as the knowledge source. A book would contain the information that is needed at any point of time. An architectural book should provide a complete guide for preparing, compiling and presenting the information. To become architecture the person should be well versed in calculus, physics, geometry and science, where architectural school would train you to be the expert. For example consider if you are constructing a building, to know how to construct first you have to decide on the layout of the building. To raised a building calculate the surrounding area and plan the structure of the building. The structure can be designed by a person who knows mathematics and the principles of design. Engage yourself in knowing all this if you want to become architecture.

An architectural book must start from the basics like design, drawing, the creative process, and presentation. The reading should start from basics such as how to draw a line. The question might look simple but for an architect this question gives a great value. How to draw a line means it should educate a student about a good line and bad line. From there on it should finally leads to the color theory. The architectural book should behave as a best companion to offer step by step instruction to the students about how to prepare and present. It should also be a guide to the experts too. Architectural book should contain a fully illustrated example that should advice a student how best it can be worked out. Some books are also available online with the same illustration. For example consider the architecture book 101 Things I Learned in Architecture School by Matthew Frederick provides a complete difference between the traditional buildings and modern buildings. It gives a complete detail to a student what he wants.

As a good designer would not stop in a particular field, they tend to know all the fields related to them. In such cases each designer would always to book to gain more and more knowledge. When considering the job opportunities the architectural designers can work as a consultant in both private and government sectors apart from structural layout. Architectural designers, beginners or experts would always turn to the book for guide in solving from basics to complex problem. Architectural books serves as a best source in guiding a designer in a better way.

David Horvath is a respected design writer that writes for various. He runs an informational design website that provides has millions of design links and articles. To get more information go to NutechDesigns.

Enjoying the Modern Architecture of Amsterdam

As the capital city of the Netherlands, a visit to Amsterdam is a lesson in history and architecture. Right outside of your city hotel, Amsterdam has over 7,000 registered historic buildings for you to stroll explore. But not only does this leading world city offer an architecturally guided tour through history, it boasts a new and fresh approach to modern architecture; how it blends in with the classical buildings and cityscape is worth taking note of as you leave your city hotel. Amsterdam has too many stunning and interesting works of modern architecture to list, but while you are visiting, make sure you take time to see the Architecture Centre, the NEMO science building and the Van Gogh Museum Exhibition Wing.

The Architecture Centre

Ideally located near your central city hotel, Amsterdam offers the stunning work of modern architecture that is the Architecture Centre. Located at Prins Hendrikkade 600 and built in 2003, the Architecture Centre was the result of the original Architecture Centre of Amsterdam needing a larger space. The architect re-used some of the original foundation materials and the final building is visually pleasing from all angles. The way the folded skin and the bevelled glass façade work together creates a flowing visual, the glass that opens alternately maintains a balance in the smoothness of the exterior. As you visit, notice that the reserved colour palette was chosen to enhance the bold curtain design of the structure itself.

The NEMO Science Building

Located about fifteen minutes from your central city hotel, Amsterdam’s waterline provides the fantastically designed NEMO science building for you to visit and explore. The building is built above the IJ Tunnel, which means that the tunnel’s curves, in places, become echoed in the NEMO building. The building itself is covered with copper and since it sits right on the waterline, it appears to rise out of the water. Inside the NEMO building you will find a wonderfully diverse science museum which opens its doors to about 500,000 people every year and is the Netherland’s largest science museum. While visiting the NEMO, be sure to go up to the roof terrace and take in the fantastic views out over the city.

The Van Gogh Museum Exhibition Wing

Looking like a half a circle from above, the Van Gogh Museum Exhibition Wing was designed by Japanese architect Kisho Kurokawa and completed in 1999. After you head over from your city hotel, Amsterdam will fade into a calm oasis as you arrive at the Van Gogh Museum. Make your way to the Exhibition Wing [its only entrance is through a passage in the main building]; you will arrive into the Promenade which forms a circle around a shallow pond and echoes the peaceful atmosphere of the museum. There are three levels to the museum, all with lots of glass to allow natural light to flood the spaces. The top level is home to the Print Room: an asymmetrical cube, which hangs above the pond.

Looking for a city hotel, Amsterdam? Roberta Stuart is the Travel Manager for Worldhotels, a company offering the best rooms in a selection of unique four and five star hotels around the world.

Architectural Guide to New York City

New York City has one of the most recognizable skylines in the world. The city’s architectural icons like the Empire State Building and the Statue of Liberty are pictured on the front of guidebooks and on numerous other souvenirs to evoke the excitement and eclectic flair of the Big Apple. Here are some other architectural gems to check out on your next trip to New York City:

1. The Flatiron Building at 175 Fifth Avenue is a National Historic Landmark constructed in 1902. Its unusual shape (like an iron) was intended to fill the vacant piece of land at the intersection of Broadway and Fifth Avenue. At its narrowest end, the Flatiron Building is only six feet across. Spiderman movie fans will recognize the building as the setting for The Daily Bugle, where Peter Parkers sells his photography.

2. The Waldorf-Astoria at 301 Park Avenue embodies classic New York City luxury and style with its three American and classic European restaurants, a beauty parlor, and several boutiques in this Art Deco hotel. As if this weren’t enough to prove its grandeur, the United States government keeps a suite on the 42nd floor to house its United National ambassador.

3. Trump Tower at 725 Fifth Avenue is a more modern example of New York architecture on a grand scale. Developed as a multi-use building (retail, office, and residential) by Donald Trump, TV viewers will remember the lofty structure from Trump’s reality show The Apprentice. At the time of its construction in 1983, Trump Tower was the tallest building of its kind in New York City at 58 stories.

4. The Chrysler Building at 405 Lexington Avenue is considered by some to be the world’s finest skyscraper. Completed in 1930, this elegant Art Deco structure features ornamentation based on the Chrysler automobiles for which it was named (for instance, the 61st floor is adorned in eagles, which are replicas of the 1929 Chrysler hood ornaments). The building also inspired other skyscrapers around the world, including Philadelphia’s One Liberty Place.

5. Federal Hall National Memorial at 26 Wall Street was the original capital of the United States where George Washington was inaugurated as president. It was later demolished, and the current building opened in 1842 as the United State’s first Customs House. The hall’s Doric columns and triangular top make the building one of New York’s best example of Greek Revival architecture. It’s now operated as a museum.

6. The Museum of Modern Art opened its current location at 11 West 53rd Street in November 2004. Japanese architect Yoshio Taniguchi designed the newly renovated building, which doubled the museum’s space and preserved the Abby Aldrich Rockefeller Sculpture Garden, where visitors enjoy coffee and modern architecture.

7. Grand Central Station at 15 Vanderbilt Avenue bustles with commuters and tourists in one of the most populated parts of the city. The information booth features a four-faced opal clock valued at between ten and twenty million dollars. Other architectural features include an elaborately painted ceiling in the main concourse. The astronomical designs on the ceiling were originally painted by French artist Paul César Helleu in 1912 and restored in recent years.

8. St. Paul’s Chapel at 209 Broadway was built in 1766, making it the only Manhattan building dating before the Revolutionary War. With its classical portico (or porch), boxy shape, and other architectural details, the Chapel is a perfect example of Georgian architecture. It was modeled after St. Martin-in-the-Fields in London.

Susan Johnston is currently the copywriter for New York City Explorer Pass, which offers admission to New York City’s must-see attractions and activities on one easy-to-use smartcard.

Do You Need Mass Mutual Doctor Disability Insurance?

Yes. Ok, that might be too quick and too brazen, but the truth is most people stand to gain significant risk offset benefits from disability insurance. Most of the things that we value in life are insured – our home, our car and even our life. It is aquite realistic assessment that the risk of damage is quite real, and the cost of repairs (not in case of life insurance, but other insurances) to those objects may be too high to bear in case of an accident or a natural disaster. But in our risk management planning, one thing is often ignored, that is our income. Our earnings are secured only as long as we are healthy and able to work. In case that changes, a disability insurance can provide some much-needed relief.

The scenario in healthcare industry

The case for disability insurance is even stronger in the healthcare industry. Doctors are highly skilled professionals. They are highly reliant on their skill and talents to be able to do their job and earn their livelihood. In case any disability causes them to be unable to render their job, they are at significant risk. Hence, disability insurance is quite prevalent among doctors. In fact, it is common practice for doctors to opt for own-speciality or own-profession insurance plans which are quite expensive but provide generous cover. There are various major insurers that offer specialised insurance products for healthcare professionals such as Ameritas Disability Income Insurance for Medical Professionals, which is a disability insurance for doctors. There are also specialised products on offer by the Ohio National Disability Income Insurance and MassMutual Disability Insurance which also offer own-speciality insurance options as riders.

Some larger healthcare institutions such as hospitals or medical research centres may have a group insurance policy for covering disability, but most group policies provided by employers are inadequate to cover all expenses in case of loss of livelihood. Also, if the doctor chooses to leave the institution, the policy cannot be migrated most of the time. Hence, a personal doctor disability insurance policy is recommended in order to have sufficient coverage and also continue coverage regardless of employer.

Are the risks really high enough?

Let us take a look at the data. According to a survey, about a third of all doctors experience some or the other kind of disability in their professional careers. Of those, about in 40% of the cases, the disability lasts for 7 years or more. That’s the data about the healthcare industry. Now take a look at the average population data. According to the Social Security Administration, an average 20 year old has a 30% probability of suffering from a disability period of 6 months or more. Those are some significant statistical risks, and a good insurance will help you tip the scales in your favour.

Peace of mind

Another advantage of disability is enormous peace of mind. If you have any dependents in your family, such as kids, then having a disability insurance will relieve you of a significant amount of anxiety. There are several insurance plans that pay out almost 85% of your normal earnings as benefits in case you suffer from a disability. Such financial support will help you more or less maintain your present quality of life regardless of any unforeseen tragedies.

Tajmahal Architecture Guide

Tajmahal is one of the seven wonders of the World. This beautiful monument represents true love of Shah Jahan and Mumtaz. It was introduced by Shah Jahan, the Mughal emperor at the time of Mughal Empire in India. Shah Jahan had built it in the memory of his beloved wife Mumtaz. Taj Mahal represents the word “wonder” due to its beautiful architecture which makes this building a wonderful creation of the world.

Architecture of Taj Mahal

Tajmahal is totally covered with white marble. It reflects the beauty and memorable architecture of Mughal. This architecture is also known as the jewel of Muslim art in India. Arch shaped Doorway increases the beauty of Taj Mahal. Beauty of Taj Mahal is due to it’s finial and large dome. This dome is very much appreciated by visitors of Taj Mahal. Tajmahal is covered by four long splendors, each of 55 meters in height. Marble dome makes an extra ordinary impression to its viewers. It makes this structure worth-watching and beautiful. Dome resembles the shape of onion. Height of dome is 35 meters. This overall structure of Tajmahal defines it among the great wonder of the world.

Decoration of the Tajmahal form external side defines the beauty of Mughal art. This decoration includes stones inlays stucco and paint. There are the white marble Dados on the lower walls of the tomb. It has sculpted with some realistic vines and flowers contented relief depictions. Polishing of marble is done with the help of some shining metal and thus it emphasis the detailing of carvings. Archway spandrels have been designed and decorated with highly stylized inlays of pi eta duraand some flowers, fruits and vines. Inner stones of Tajmahal are covered with yellow marbles. These stones are well polished and leveled at the wall surface.

Tajmahal is known as one of the great wonder of the world not only because of its architecture, but also due to the sign of great love. This is the reason that most of the tourist especially youngsters used to spend their more and more time on this beautiful place called as “The Tajmahal”. Taj Mahal is considered the first choice of the tourist when visiting India. Millions of tourists from the World use to visit Taj Mahal every year. This is the reason that in the year 2008, the Taj Mahal is awarded as the first Wonder out of Seven Wonders of the World.

Veja Como Conquistar Um Homem Com Algumas Dicas Simples!

Venha fazer amizades e conhecer pessoas com as mesmas afinidades. Os mtodos que voc ir aprender so constituido de experiencias pessoais e muita pequisa para chegar ao pontoQUASE certeiro. fato sempre foi direcionado a mtodos funcionais para todos,no importa grau de dificuldade no relacionamento, mas isso no existe.

Cid recomenda que os soldados , civis e membros da famlia que se deparar com qualquer conhecido redes sociais suspeito ou perfil site de namoro ou so solicitados nesta forma de uma pessoa se passando por um soldado dos EUA, enviar e-mail imediatamente CID em @ mail mil.

Mas numa das vezes uma mocinha dentro do avio puxou papo comigo, e disse que estava com medo da imigrao e foi contando sua histria. Dava pra perceber que ela no estava indo bem intencionada pra Europa. Na hora de sairmos da aeronave ela me pediu para que passasse com ela na Imigrao, alegando que no falava espanhol e queria que algum falasse por ela.

Isso vai tepermitir que voc veja a si mesmo atravs dos olhos de um outro homem que voc acha interessante e atraente. Cabe a voc decidir aonde isso pode levar. E tambm vai te ajudar a lembrar que homem com quem voc est intimamente envolvida na sua outra vida” no est vivendo como um monge com sua esposa.

Conheci Clube dos Poupadores em 2014 quando estava pesquisando sobre investimento em LCI e LCA. Na poca, eu queria outra opo mais rentvel do que poupana e eu ficava perdido entre tantas opes de renda fixa.

Desde 2007, uma tendinopatia patelar nos dois joelhos incomodava nadador. esforo contnuo foi piorando problema ao longo dos anos. pice da leso foi justamente em 2012, no ano dos Jogos Olmpicos de Londres. A dor era constante, e problema comeou a ameaar a performance do nadador. A soluo definitiva, a cirurgia, no entanto, precisou ficar para depois da competio da Inglaterra. Nadando com os joelhos debilitados, Cielo no conseguiu bicampeonato nos 50m livre, mas levou a medalha de bronze.

relacionamento com essas pessoas foi uma via de uma mo, ondeeu fiz de tudo pra que funcionasse e que algum tipo de amizade, mesmo que rasa, crescesse. Dei tudo de mim enquanto pude, e conforme os anos passaram pouco de energia que sobrou usei para me manter viva, mas chegou um momento que parei de fazer por essas pessoas.

Em Nome de Jesus, atravs dessa Orao Poderosssima, declaro que todas as minhas dvidas, angustias, aflies sejam dissipadas da minha vida, da minha Famlia e meus familiares, e de todos os que fizeram.

Ento, primeiramente precisamos saber em qual das fases voc est nesta conquista. Se na primeira, quando voc tem atrao ou desejo por um cara, e quer despertar mesmo sentimento nele. Na segunda, que vocs j se conhecem ou at mesmo j rolou alguns beijinhos, e voc quer agora transformar isso em algo mais srio. Na terceira, vocs j tem algum tipo de compromisso, porm voc descobriu que este homem da sua vida, ento voc gostaria de artimanhas para conquist-lo de vez, e passar resto da vida ao seu lado.

Finding The Best Asian Escor Ts Marylebone Agency

Despite the fact that the process of finding the right Asian Escor*s South Kensington agency is quite challenging, you should know that it is definitely worth your while, especially if you would like your future experiences to be positive. As you may probably know, when meeting Asian Escor*s Marylebone, you do not really know what to expect. But, if you are certain that the agency you have chosen to contact is a reliable one, you will not have to worry about anything.

At first, you might be tempted to believe that the agency you rely on does not really matter that much. Well, the truth is that your whole experience depends on the agency. So, instead of making the mistake of booking a date with one of the available Asian Escor*s South Kensington with the help of the first agency you stumble upon, you should consider doing a bit of research first. It might take a while, but you should know that this whole searching process is worth it.
As soon as you gather enough information it will be easier for you to select an escor* and give out your personal information when filling out the booking form that is available on their website. It would be recommended that you follow a few simple steps starting with making a list of reasons as to why you should opt for the services of an escor* agency rather than just pick up Asian Escor*s Marylebone on the street.

Well, when you are ready to have some naughty fun, you can not risk doing it with someone that can make you deal with all sorts of unpleasant situations. One of the reasons why you need to look for such an agency is the fact that you are able to meet trustworthy Asian Escor*s South Kensington whenever you feel like it. At the same time, if you are thinking about hiring one of the ladies you have seen on the agencies site, the booking process does not take longer than just a few short minutes.
The next step requires you to do a bit of research online and see which of the existing agencies can offer you just the right advantages starting with a simple booking process, complete data protection and so on. They should ensure that you have access to a long list of gorgeous ladies that you can choose from when you feel like having a lot of fun. Your experience should be so amazing that you should want to contact them again. Read a few reviews written by other customers just like yourself before you get in touch with any of these agencies.

Top 5 Benefits Annuities Can Bring Except The Lifetime Income

Earning a consistent income in their retirement life is a major concern for the seniors approaching their retirement and many of them invest in different annuity insurance plans. These annuities help the insured to receive a guaranteed income for life protects from the fear of outliving their savings. Also, if a senior couple hasn’t saved enough or doesn’t have someone to support after their retirement, these policies help greatly to take care of their daily expenses and maintain a better lifestyle. However, the majority of seniors isn’t aware of all the benefits an annuity can bring. Most of them buy an annuity solely to receive a guaranteed income in their retirement life but the annuities have a lot to offer. Here, we are going to explain five more benefits of a retirement annuity plan that you might not be knowing.

Benefit to your loved ones

At times, seniors pay a long series of premiums to earn them back during their retirement but die at an early age without receiving the complete benefits. Many seniors die soon after their retirement and insurance providers keep their share of investment with themselves. But, the new additional feature allows transferring the benefits to the beneficiaries, if the insured dies early. Along with the immediate annuity plan, you can choose a guaranteed period of 10-20 years that are calculated since the time you start receiving the payments. If you opt for a 20-year guaranteed period with the annuities, your insurer will provide a series of payments for exact 20 years. You can name your spouse or kids as the beneficiary and they will receive the benefits for rest of the period, in case you die early.

Tax deferral on earnings

Most of the investments are applicable for state and federal taxes, but the investments such as interests, annuities, dividends and capital gains earn a tax-deferred status. These investments are tax-free until you withdraw the accumulated amount. The tax-deferral is similar to 401(k)s and IRAs, but there isn’t any limit on the amount and you can put any amount into the annuities that you assume enough to spend your retirement comfortably. Moreover, the minimum withdrawal criteria have more flexibility than that of to 401(k)s and IRAs.

Tax-free investment transfers

Market performs differently at a different time and an investment performing strong today may perform poorly after a certain period. Hence, investors keep transferring their investment amount form one to another fund and there are financial advisors to help with the same. Usually, these investment transfers or rebalancing are applicable for taxes but the annuity retirement plan has no such tax consequences. That means, you can rebalance your investments as per your financial advisor’s suggestion and you won’t have to pay any taxes on that.

Protection from lenders

People take different types of loans to match a better lifestyle and pay the due amount in installments. At times, people reach a stage where they only have the money enough to take care of their fundamental requirements and aren’t able to pay the loan installments. In such cases, if the lender files a lawsuit, they may lose the return on the investments made. Annuities insurance policies also help protect your investment return even if you can’t make the installments. Usually, the premiums you have made to your insurance provider, belongs to them and there are laws that restrict that money to be accessed by the lenders.

Variety of investment options

Insurers help the investors with a range of annuity options at retirement including the fixed and variable one. The first one credits a certain rate of interest on the amount you deposit while with the later, your money is invested in the stock or bonds like mutual funds and provide a return based on the market performance. Also, various insurance providers have introduced different types of floors that set a limit by which your investment value may not fall further. That means, if you have invested in a variable annuity, you return won’t fall below a certain value, despite the fluctuations in the market.