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bfa HSBC Franchisor of the Year Awards Top 20: Franchisor of the Year [part 2]
Part of that plan looked to increase network turnover whilst simultaneously capping the number of franchisees, which enshrined a focus on franchisee success, not on franchise sales, and demonstrated the company's commitment to ethical franchising …
Read more on Select Your Franchise (blog)

Storytelling and Community Involvement Drive Marketing Innovation at Vega
The ancient art of storytelling has become central to the digital marketing age, as brands big and small nationwide are looking for new ways to engage consumers and attract new ones through 'authentic' conversation. Yet the word authentic has become so …
Read more on SYS-CON Media (press release)

Brandis' futile plan to 'stop the bytes'
The cost to Australian business will be substantial. Telcos will be given the onerous task of 'stopping the bytes': identifying pirates and additional compliance costs. The rest of Australian business will have to bear the cost of monitoring corporate …
Read more on Business Spectator

Annuity Quotes Can Be Very Easily Found From Comparison Websites

Although some people have the benefit of final salary pension schemes guaranteed by their employer, most people who wish to ensure they have more retirement income than the state pension provides, save using either a private pension plan (PPP), or an occupational defined contribution pension scheme. The funds put into the scheme are invested by the pension fund manager. For younger people there can a major proportion of the fund invested in equities, as these provide the best opportunities for long term growth, but as the person approaches retirement age the fund manager will change the balance of the fund to emphasize cash and government bonds, protecting the growth that has already been achieved. On retirement, part of the pension fund may be taken a lump sum, and the remainder is either used as an unsecured pension (USP), or an annuity may be purchased to provide a guaranteed life-time income. Annuity quotes may be very easily found online, as there are now several comparison websites in operation.

When a person is approaching retirement age they must make some choices about what to do with the contents of their pension fund. According to current regulations the pension fund cannot be touched until age 55, and if the fund owner survives to age 75, purchase of an annuity becomes compulsory.

A lump sum can be taken from the fund after age 55. This can be up to 25 per cent of the fund’s value, and no tax is charged on this sum. In the case of small pension funds the government allows 100% to be withdrawn, under the so-called triviality rule.

The remainder of the fund can either be used to purchase an annuity, or it can be left in the fund where it can provide an unsecured pension (USP). Note that USPs are sometimes called income drawdown.

Income drawdown, or unsecured pension, is not suitable for all retirees. One benefit of this option is that the fund will remain invested, and it may continue to grow in value. Additionally if the retiree dies the fund will form part of the estate, and can be inherited by the beneficiaries of the will.

The danger with income drawdown is that if the retiree has a long life after retirement, then the fund will become exhausted. Actuaries can calculate the point in a person’s life at which income drawdown becomes a worse option than annuity purchase, and it is always recommended that those using drawdown employ an independent financial advisor to conduct regular reviews.

Annuities are an insurance instrument, purchased from a life assurance company. The life company takes the pension savings, and guarantees the retiree a life-time income. The life company is, in effect, assuming the risk that the person may live for a long time, in which case the company would lose money on that particular annuity sale. This is however simply the trading of individual risk for collective risk, which is inherent in all insurance business.

Annuities can be bought from any life assurance company, there is never any obligation to buy from the pension fund manager, although they will normally make an annuity offer. Annuity quotes from many companies can be very easily found, as there are now several comparison websites in operation.

Annuity Rates can find you the best annuity quotes from the entire annuity market. We can also find you the best over 50 life insurance.

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Business Vision: How To Create a Compelling Vision – At The Sharp End Ep 1

Business Management | Leeds, Bradford | Leadership | Business Coaching http://www.khemeiaconsulting.com/ https://www.facebook.com/KhemeiaConsulting https://twitter.com/thekhemeiaway https://plus.g…
Video Rating: 5 / 5

Tasktop Raises $11 Million to Fuel Expansion as Demand for the Company's …

Tasktop Raises Million to Fuel Expansion as Demand for the Company's
… date is not surprising. They've put together a top-notch management team, cultivated key partnerships and developed an enterprise-grade product for an under-served market,” said John Thornton, General Partner, Austin Ventures. … Over one million …
Read more on PR Web (press release)

Tenth edition of the Liwa Date Festival 2014 brings in many surprises
Responsible to increase sales, market share and brand/ service awareness within all potential distribution networks. Developing marketing opportunities and plans; Accomplishes business development activities by researching; implementing sales plans; …
Read more on AME Info (press release) (blog)

Ride A Can-Am Spyder On Your Summer Vacation And Make The Journey As
As we get ready to celebrate the birth of America on the 4th of July, people across the world are planning their family vacations. Sure, you can take a train or a plane, a car or a bus, and deal with airports or train stations or cramped quarters. You …
Read more on Boston Super Blog (blog)

FY 2014 Funding Opportunity Announcement for NGO Programs Benefiting …

FY 2014 Funding Opportunity Announcement for NGO Programs Benefiting
If the applicant does not use PRM's recommended templates, proposals must not exceed 15 pages in length. Organizations may choose to attach work plans, activity calendars, and/or logical frameworks as addendums/appendices to the proposal.
Read more on US Department of State (press release)

VL Digital Marketing | Video SEO | Video Marketing | Internet Marketing

VL Digital Marketing | Video SEO | Video Marketing | Internet Marketing

Visit Us At: http://vldigitalmarketing.net/ or http://vldigitalmarketing.com/ VL Digital Marketing | Video SEO | Video Marketing | Internet Marketing Social …
Video Rating: 0 / 5

Forget Silicon Valley: Tech CEO Explains What's So Great About New York

Forget Silicon Valley: Tech CEO Explains What's So Great About New York
While it may not be the be-all, end-all (it kind of is), it's without a doubt the epicenter of American business. As I told Mike Maples, … That's the kind of atmosphere that breeds inspiration and fuels amazing ideas. … The list is long and ever …
Read more on Betabeat

How B2B Firms Can Leverage Digital Marketing Opportunities in the Music
In the ability to reach music lovers anywhere, B2B marketers could offer related telecom services to mobile users, per say, in the likes of Intercall, Webex, Gotomeeting, Join.me, and the list goes on. … In part two of this article of the digital …
Read more on ClickZ

RadioShack a Penny Stock Now, Recovery Jeopardized – Analyst Blog

RadioShack a Penny Stock Now, Recovery Jeopardized – Analyst Blog
RadioShack's coreconsumer electronics (including digital TVs, digital music players, and digital cameras) retail business is on secular downtrend and is unlikely to recover in the near future. Further, the customers are increasingly opting for online …
Read more on NASDAQ

AnyPerk Raises M to Help Companies Cultivate Employee Happiness
The 30-employee startup is on a mission to help businesses increase employee happiness, retain top performing employees longer, and recruit more effectively, Mr. Fukuyama said. Its technology–which works something like an online marketplace or shopping …
Read more on Wall Street Journal (blog)

​Is Wi-Fi better than chocolate? One national survey says yes
The Small Business Wi-Fi Survey was conducted online among a representative sample of 602 principals and IT decision-makers at companies with 1 to 100 employees in the U.S. between Dec. 18 and Dec. 31, 2013. Among the findings: Wi-Fi is better than …
Read more on Business Journal (blog)

Change to Boardwalk Project plan

Change to Boardwalk Project plan

A task force proposed dividing the plan into two phases which allows city to take advantage of a fundraising effort.
Video Rating: 1 / 5

Top 20 Famous Quotes From Kofi Anna

Kofi Anna is known for not only his role as secretary-general of the United Nations but also his opposition to the 2003 invasion of Iraq and to Iran’s nuclear program. Here are top 20 famous quotes from the Ghanaian diplomat that you may be interested in.

“To live is to choose. But to choose well, you must know who you are and what you stand for, where you want to go and why you want to get there.”

“Ignorance and prejudice are the handmaidens of propaganda. Our mission, therefore, is to confront ignorance with knowledge, bigotry with tolerance, and isolation with the outstretched hand of generosity. Racism can, will, and must be defeated.”

“Knowledge is power. Information is liberating. Education is the premise of progress, in every society, in every family.”

“We need to think of the future and the planet we are going to leave to our children and their children.”

“Education is a human right with immense power to transform. On its foundation rest the cornerstones of freedom, democracy and sustainable human development.”

“No one is born a good citizen; no nation is born a democracy. Rather, both are processes that continue to evolve over a lifetime. Young people must be included from birth. A society that cuts off from its youth severs its lifeline.”

“Both rebels and government must understand that, if these incidents continue, it will impede humanitarian assistance and delivery.”

“Open markets offer the only realistic hope of pulling billions of people in developing countries out of abject poverty, while sustaining prosperity in the industrialized world.”

“We can wait until everything is perfect but how much time will that take? One year, two years, three years? Will the population accept this even though they haven’t had a chance to vote for 40 years?”

“We cannot wait for governments to do it all. Globalization operates on Internet time. Governments tend to be slow moving by nature, because they have to build political support for every step.”

“Today, no walls can separate humanitarian or human rights crises in one part of the world from national security crises in another. What begins with the failure to uphold the dignity of one life all too often ends with a calamity for entire nations.”

“In the rush for justice it is important not to lose sight of principles the country holds dear.”

“We need to think of the future and the planet we are going to leave to our children and their children.”

“I think we should see a clear message in the overwhelming success of women in presidential elections over the past year: the world is ready for a woman as secretary general of the United Nations.”

“There is no development strategy more beneficial to society as a whole – women and men alike – than the one which involves women as central players.”

“Whether our challenge is peacemaking, nation-building, democratization or responding to natural or man-made disaster, we have seen that even the strongest amongst us cannot succeed alone.”

“The United Nations, whose membership comprises almost all the states in the world, is founded on the principle of the equal worth of every human being.”

“We need to keep hope alive and strive to do better.”

“Globalization is a fact of life. But I believe we have underestimated its fragility.”

“We must ensure that the global market is embedded in broadly shared values and practices that reflect global social needs, and that all the world’s people share the benefits of globalization.”

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I graduated from Birmingham University. Currently, I am living with my family in the West Midlands of England and working for a media company. My hobby is writing about current affairs, celebrities and fashion.