Occasionally, we’ll hear people asking about the ideal or perfect pensions. What they mean is a scheme or fund that has no risk but promises the highest returns. Well, the truth is that there is no ideal or perfect plan. Each type will come with its pros and cons. The suitability of each will also influence by several factors both social as well as economic and can be discussed with an adviser like Origen Financial Services. Nonetheless, it is possible to find a suitable plan that is stress-free. This is desirable considering that after retirement no one looks forward to running around seeking the funds. The main points to consider when choosing an option are as follows:
Fixed monthly payments
When selecting pensions, a contributor can opt to be receiving monthly payment. This will be similar to receiving a salary at the end of the month. The contributions will continue until he passes on or as stated in the policy. The advantage of this model is that the pensioner will always have money in his pocket. Also, he does not have to worry about planning or investing the money in other financial plans. However, the monthly pay is usually not sufficient to make large investments. In addition, he can’t dictate where the money should be re-invested. This plan is popular with the older people and women.
The beneficiaries are always considered when determining the pensions or fixed monthly income. A contributor may opt to receive more money while alive, and after his death the figure either remains constant or goes down. For instant, the beneficiary may receive 100%, 75%, or 50% of the fixed monthly income for the rest of their lives. In case a pensioner has no beneficiary or spouse, he can go for single-life or straight pensions. In this case he will receive the maximum amount after retiring and until death.
Lump sum payments
The alternative option to the fixed monthly payment is lump sum payment. In this case, the pensioner will be given the money after retiring or reaching a stipulated age. With the lump sum amount, he can choose where to re-invest the money. Also, he is fully in-charge of the managerial decisions. He may choose to invest the money in an individual retirement plan which attracts no taxes until he decides to withdraw the money. Nonetheless, there are additional expenses such as fees charged by the financial adviser, mutual fund charges and more. This strategy is preferred by people who retire at an early age.
A soon-to-be contributor needs to exercise due diligence when enrolling in a pension fund. He should consider various factors that might affect the value of the contributions. It is a known fact that money always looses value overtime. This is mostly affected by inflation. Therefore, a good scheme will always try to look into the time-value aspect. By investing the pooled funds into investments vehicles such as shares, bonds, commodities, unit trusts and other financial instruments, contributors are more likely to enjoy their retirement funds. Nonetheless, there is always the risk of the market under performing hence affecting the pensions negatively.
Jersey Boys musical is the story of the 1960s hit band, the Four Seasons. The four seasons was so popular that it had sold over 175 million records worldwide before the members of the band turned 30. This musical has won over 55 major awards worldwide which also includes the Olivier award for Best new musical and the Tony Award in 2006.
Don’t delay in purchasing your Jersey Boys tickets, because this musical takes the audience on a journey of the relationship within the group with a special focus on Frankie Valli. There are a total of four seasons in the musical. Each of the season is narrated by a different band member which allows the audience to get a perspective on the band’s history and music from each band member. The story line moves at a fast pace which keeps the audience engaged.
The storyline of the musical is very gripping. It narrates the story of how these four boys from the blue-collar households of New Jersey became the musical legends. It tells the story of their rise and their ultimate triumphs. Audience also gets to know the prison time, family disasters, bad debts and mafia connections affected the band members and how eventually they overcame all of these and reached the top.
This musical also features how the band turned into a quartet from a three member band and how they got the original name of their band. It features almost all of the worldwide hits which include walk like a man, big girls don’t cry, can take my eyes off you, December 1963, bye bye baby amongst many others. Jersey Boys has been so popular because the musical focuses more on storytelling rather than featuring the hit songs of the band. The storyline and the wonderful cast succeeds in creating a bond with the audience and takes them on a journey through the wild rides of the band.
The popularity of the four seasons can be gauged from the fact that this group had its name on 16 of the top 40 hits in US between 1962 and 1964. Also, the four seasons in the only band which has a top 100 Billboard hit in all the decades from the 50s to the 90s. They were the highest selling band when the Beatles arrived on the stage.
This classical has gathered praise from all the critics who have defined it as a wonderful show with vitality, pace and power.
This musical has become so popular thanks to the excellent performance from the cast. The cast includes Michael Watson, Edd Post, Jon Boydon, Matt Nalton among many others. Their performances have been so riveting that the audience can’t just get enough of them and keeps coming back. The fans of the Four Seasons have been lapping it up ever since the musical made its debut.
Most of the shows have been sold out and the forthcoming shows tickets are getting snapped up as soon as they are made available. Therefore, fans of the four seasons should book the Jersey Boys tickets as soon as they are available for sale. Otherwise, it may be difficult to get a ticket at the last moment. This is a very musical exhilarating musical which one will thoroughly enjoyed.
The Salto access control systems use RFID technology which has become very efficient and seamless to use. The strategic merger of Offline Electronic lock-sets and hard-wired doors gives the administrators greater options of adding doors on access control than what the competition in the access control market is offering. This is because Salto access control systems minimize or completely do away with the need for physical cabling from door to door.
The platforms and excellent software options that Salto has developed provide strong, scalable and efficient access mechanisms that many organizations have come to trust all over the world. Many people are attracted by the fact that they can still use the same doors and locks that they had in place, or easily scale up if they were using a different technology by the same firm. The systems were designed with the user in mind, to effectively operate in a wire-free setup, because Salto discovered the millions of dollars that organizations were using to install new Salto access control systems.
The systems are capable of handling up to four million users, with a limitless number of doors and locks. The speed of setting up the system, adding doors and grouping users takes a very short time, making it suitable for all organizations, especially those that really require scalability in their security and access control systems.
Distributed intelligence technology is utilized in the design of the lock and access mechanisms so that there can be seamless communication between the lock and the software running on the PC wirelessly. This renders obsolete re-programming of locks as used to happen, giving way to easy access restriction on the users’ key cards by programming them with that information. The credentials can transfer the information saved therein to a computer so that an electronic audit trail can be drawn of all the places that the key card was used, the date, time and number of times it was used to access the premises, and whether access was granted or denied.
Salto Virtual Network technology can be used in a number of places:
- Corporate buildings
It basically fits into all requirements for a secure and effective way to ensure that access to certain parts of a building are restricted, and also give staff and clients a seamless and user-friendly way of interacting with the control systems.
When combined with other technologies like CCTV, administrators are able to ensure that security is optimal in the whole building. Since it can be hard and expensive to employ security guards to man a large building or check the CCTV screens the whole day, Salto allows the security managers to only concentrate on the important parts of the building that really need to be fully secured.
Salto control systems are feature rich, and can be customized to meet the specific requirements of an organization (by TMB – www.tmbonline.co.uk/pages/Salto-Access-Hotel-Security.aspx). Since they are so scalable, a business does not need to fear that it will incur losses while changing to a larger Salto control system in the near future at all.
Working at height is associated with more hazards than most other workplaces. This is because of the additional risks of falling from heights with catastrophic outcomes. For this reason, most jurisdictions require workers at height or who are at risk of falls to undergo some kind of training to ensure their safety. This course is referred to as working at height training.
After training successfully, candidates are issued with certification to work at heights. This certification is required as proof by concerned occupational health and safety agencies before a worker can be allowed to work at heights. Working at height training is a very short course requiring just one to two days completing and to get certified with full accreditation.
Where to Get the Training
Many accredited work site safety institutions offer this training at a fee, which varies from one institution to another. Usually, such training is done offsite at purpose-built training facilities or on-site where working at heights is going on. Whichever site is chosen for the training, it has to provide the best training that will cover all the scenarios that would prove risky to working at height.
For those interested in pursuing the course, it is incumbent upon them to find the correct institution, one that is officially recognized and accredited to provide working at height training. This may require a little research although such institutions are usually readily available in urban settings where busy construction work is taking place.
The course is designed to equip workers with the vital knowledge and skills to enable them work safely in any situation that requires engagement at height. These mainly include the general construction industry, mining, maintenance, large manufacturing plants and in deed any other work situations where workers are exposed to heights and are at risk of falling.
Usually working at height training is tailored to suite the context of the working environment in which the trainer will be or is working. The training emphasizes on risk assessment, choice and proper use of equipment, fall restraint, rigging and of anchor systems, work positioning as well as fall arrests systems among others.
All aspects of training must meet the laid down standards by the governing body for the training to be considered adequate. Working at height training is meant for prevention of falls in the workplace rather than arresting falls when they are already in motion. However, the course is also designed to ensure that worker have the optimal knowledge on how to avoid falls and minimize casualty should it happen unfortunately.
The course: www.betasafetysystems.com/working_at_height-list.aspx is aimed at equipping workers who conduct or supervise tasks while at height. This training is vital if optimal workplace safety is to be realized. Falls are common when people are working at heights. The training minimizes the risk of these falls occurring in the first place and even if it happens to arrest them before they can turn catastrophic. It is also a legal requirement that must be met by contractors as well as workers.