Dispatcher Certification and Certificate Programs, best event planning certificate programs.#Best #event #planning #certificate #programs


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Dispatcher Certification and Certificate Programs

Both emergency and aircraft dispatcher certificate programs highlight core areas, including telecommunications, equipment training, and dispatcher procedures. Hands-on learning may occur through simulation exercises. View article

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Kaplan University
  • MPA in Fire and Emergency Services
  • MS in Homeland Security and Emergency Management
  • MSCJ – Leadership and Executive Management
  • BS in Fire and Emergency Management
  • BS in Fire Science
  • BS in Criminal Justice – Homeland Security
  • BS in Criminal Justice – Law Enforcement
  • Associate of Science in Fire Science
  • AAS in Fire Science
  • AAS in Public Safety and Security
  • AAS in Criminal Justice
  • View all programs
  • Grand Canyon University
    • MS in Leadership: Disaster Preparedness & Executive Fire Leadership
    • BS in Public Safety and Emergency Management
    • View all programs
  • Video Transcript

    Essential Information

    Certificate programs equip prospective workers with the skills and knowledge to take a certification exam. Emergency dispatcher programs prepare students to work with first responders and other emergency personnel in the event of fires, car accidents, and other urgent situations. Aircraft dispatcher certificate programs prepare students to meet Federal Aviation Administration (FAA) requirements as dispatchers for airplanes and other aircraft. Enrolling in either kind of program requires that the applicant meets typing speed requirements and some also require a high school diploma or GED.

    Emergency Dispatcher Certificate

    In an emergency dispatcher certificate program, students learn 911 procedures, terminology, and requirements. They are taught how to handle high stress situations and to remain calm under pressure. Students learn basic telecommunications procedures and how to operate emergency dispatch equipment. Most programs take less than a year to complete.

    These programs combine classroom study with simulation programs to give students an opportunity to practice what they have learned. Topics may include:

    • Radio procedures
    • Telephone skills and procedures
    • Dispatch operations and medical dispatching
    • Law enforcement communications
    • Communication technology
    • Emergency services

    Aircraft Dispatcher Certificate

    Aircraft dispatcher certificate programs teach the technical skills needed to operate air dispatch equipment and to communicate effectively as part of a flight team. Courses in an aircraft dispatcher certificate program cover the basics of flight patterns, navigation, weather, and aircraft operation. Students are taught about the aircraft they are dispatching and the conditions that may occur during a flight that may require dispatch intervention. These programs also contain simulator instruction to provide hands-on experience for students. Course topics may include:

    • Aircraft systems
    • Aviation law
    • Air safety
    • Dispatching procedures
    • Pilot ground training
    • Instrument training

    SJD Accountancy – Accountants for Contractors, Freelancers and Consultants #accountancy,limited #company,contractor #accountants,contractor #limited #company,accountants,freelancer #accountants,consultants,london,tax,inland #revenue,contracting,tax #help,tax #planning,ir35,vat #registration,it #contractor,umbrella #company,contractor #expenses,contractor #guides,case #studies,take #home #pay #calculator,company #formations


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    SJD Accountancy – Specialist Contractor Accountants

    Tax is complicated and sometimes only a meeting will do. That’s why we don’t just provide a ‘telephone only’ service like many other companies; we also offer unlimited face to face meetings from our many offices across the UK.

    With over 15,000 Limited company clients, SJD is the UK’s largest contractor accountants. We also have more qualified staff than any other firm in our market, boasting qualifications from major tax and accountancy bodies such as ATT, AAT, CTA, ACCA, CA, ACA, FCCA.

    No call centres, no outsourcing, no automated call handling – just your own friendly dedicated accountant.

    SJD Accountancy has won more awards for accounting excellence and customer service than any other contractor accountant specialist, so you know you’re in good hands.

    Low Cost all inclusive Accountancy packages

    We’ll take care of all your business and personal taxation needs. This includes:

    • Completion of accounts
    • Dividends and corporation tax
    • Personal taxation
    • Payroll bureau
    • Free bookkeeping software and company returns
    • All for a fixed fee starting from £120 plus VAT per month
    Essential

    Our Essential business package covers all your company accounting needs and personal tax affairs.

    Premium

    Everything in Essential plus a range of business insurances included as well as registered office address and many more rewards.

    • Experienced, specialist providers to over 15,000 contractors, freelancers and small to medium sized businesses.
    • Ten time winners of the ‘Best Contractor Accountant’ award voted for by visitors to Contractor UK 2007 to 2016.
    • Pro-active service to always keep you on the right side of tax and legislative changes.
    • Unmatched service guarantee to appoint us with a complete peace of mind.
    • More qualified staff than any other specialist firm with qualifications covering: ATT, AAT, CTA, ACCA, CA, ACA, FCCA.
    • Offices across the UK with 25 years of outstanding customer service.
    • Deemed IPSE Accredited Accountants and fully MSC compliant.
    • A recognised authority on IR35.
    • All inclusive, low cost monthly packages starting from a fixed fee of £120 plus VAT per month.

    Planning & Templates #business #continuity #and #disaster #recovery #planning #for #it #professionals


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    Planning Templates

    An organization’s continuity of operations plan documents the overarching strategy, policies, and procedures required to support its headquarters continuity of operations program. As the DHS entity for coordinating the Executive Branch continuity of operations program, National Continuity Programs (NCP) has developed detailed planning guidance and plan templates to help other federal and non-federal entities in their continuity planning.

    Continuity Plan Template For Federal Departments/Agencies

    The purpose of this Continuity Plan template for Federal Departments and Agencies is to provide instructions, guidance, and sample text for the development of Continuity plans and programs in accordance with Federal Continuity Directives (FCDs) 1 and 2 for the Federal Executive Branch.

    Continuity Plan Template For Non-Federal Entities

    This Continuity Plan template for non-Federal entities provides a framework for creating a viable continuity plan and focuses on the key continuity planning elements as addressed in Continuity Guidance Circular 1 (CGC 1), Continuity Guidance for Non-Federal Governments (States, Territories, Tribes, and Local Government Jurisdictions), dated July 2013, and Continuity Guidance Circular 2 (CGC 2), Continuity Guidance for Non-Federal Governments: Mission Essential Functions Identification Process (States, Territories, Tribes, and Local Government Jurisdictions), dated October 2013.

    For the Continuity Plan Template and Instructions for Non-Federal Entities, click here .

    Essential Records Packet Plan Template

    This Essential Records Packet Plan template assists with the identification, protection, and ready availability of organizational essential records, databases, emergency operating records, rights and interests records, and other documents are critical to the successful implementation and execution of a robust continuity plan.

    Pandemic Influenza

    This Pandemic Influenza template provides guidance to assist organizations in developing a Pandemic Influenza Continuity of Operations Plan or, if the organization already has a continuity plan, a Pandemic Influenza Annex. General guidance and sample information is provided for reference and organizations are encouraged to tailor Pandemic Influenza Continuity Plans to meet specific organizational needs and requirements.

    ERG Member Planning Guide

    Developing Emergency Relocation Group (ERG) Member Planning Guides (PDF 256KB, TXT 25KB), A Guide for ERG Positional Requirements Planning, June 2009. The Guide provides tools (templates and checklists) for developing ERG positional standard operating procedures to support organizational continuity programs. ERG positional guides assist ERG staff to understand the key elements of supporting that position and allow continuity managers access to positional requirements that are considered when preparing a Business Process Analysis of organizational essential functions.

    Reconstitution Template

    This Reconstitution template is based on Federal Continuity Directive 1, Federal Executive Branch National Continuity Program and Requirements, October 2012, and provides structure and recommended content for developing a reconstitution plan. Reconstitution is the process by which surviving and/or replacement organization personnel resume normal organization operations from the original or replacement primary operating facility.

    Devolution Template

    This Devolution template is based on the Federal Continuity Directive 1, Federal Executive Branch National Continuity Program and Requirements, and provides a structure and recommended content for developing a Devolution Plan.

    Multi-Year Strategy and Program Management Plan

    A continuity Multi-Year Strategy and Program Management Plan (MYSPMP) provides multi-year planning guidance for the development of effective continuity plans and programs. The MYSPMP serves as a roadmap for organization continuity planners to follow to ensure that critical activities and resources can be implemented and obtained so that their programs continue to improve over time. The MYSPMP provides strategic guidance, a current program assessment, and outlines program needs, goals, objectives, and strategies for the organization’s Continuity program as well as milestones for accomplishing these activities and any issues, concerns, or obstacles that they may face.

     Exercise Templates

    NCP developed a series of continuity exercise templates that incorporate updates from the National Continuity Policy Implementation Plan, Federal Continuity Directive 1 and 2, and Continuity Guidance Circular 1 and 2. These exercise templates are compatible with the Homeland Security Exercise and Evaluation Program (HSEEP) and meet National Exercise Program requirements.

    Department and Agencies Telwork Exercise Template

    This Exercise Plan (EXPLAN) template provides exercise planners with the information necessary for their participation in a continuity telework exercise. This EXPLAN Template is a tool to assist agencies to conduct a telework exercise to determine current capabilities to operate in a telework or a socially-distanced environment and to determine what needs to be done to enhance your current capabilities and to better prepare for a pandemic influenza or continuity event.

    This telework exercise handbook template is set up to provide an example of an exercise player handbook for use when conducting a telework exercise.

    For more information on these or additional templates, please email FEMA-Continuity-WebInfo .


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    Died: Jun 1, 2017

    J. Steven Nester, 69, of Hanover, died Thurs, June 1, at his home. He was the husband of Dolores “Dee” (Hynes) Nester for 46 years. Born June 9, 1947 in Hanover, Steve was the son of the late Emanuel & Isabelle (Morelock) Nester. He was a Franklin High School graduate of Reisterstown and served in the Navy during the Vietnam War. He was in a Carpenters Apprentice Program in Baltimore and was a carpenter of local Union 101 of Baltimore. He had also been employed with Boyd’s Bears, formerly of Gettysburg.
    Read more.

    Died: May 14, 2017

    G. Lawrence “Larry” Hartman, Jr. formerly of Littlestown, passed quietly to the Lord at his Hanover home on Sunday, May 14. Born in Tacoma Park, DC, he spent most of his life in Adams County. He was the son of the late George Lawrence Hartman, Sr. and Mary Rebecca (Ogburn) Hartman Read more.

    Died: May 13, 2017

    Ronald R. Kerzaya, 89, formerly of Littlestown, died Sat. May 13, at Homewood at Plum Creek, Hanover. He was the widower of Betty J. (Izer) Kerzaya who died May 10, 2013 Read more.

    Died: May 12, 2017

    Helen M. Kessler, 81, of Hanover, died Friday, May 12, at Hanover Hospital. She was the widow of Vernon E. Kessler who died Sept 12, 2006. Born May 12, 1936 in York, Helen was the daughter of the late John W. & Theda (Wagner) Olewiler. She was a farmer and caregiver Read more.

    Died: May 11, 2017

    Scott A. Cassell, 58, of Silver Run, MD, died Thursday, May 11, at John Hopkins University Hospital, Baltimore. He was the husband of Sandra L. (Barrett) Cassell Read more.

    Died: May 9, 2017

    Janet A. Messinger, 85, of Littlestown, died Tues, May 9, at Hanover Hospital. She was the widow of Wilbert J.H. Messinger who died Jan 20, 2006. Born June 18, 1931 in Hanover, Janet was the daughter of the late Alvin & Myra (Rebert) Gerrick. She was a 1950 Littlestown High School graduate and a lifelong farmer Read more.

    Died: May 8, 2017

    Ivan Lane Cornwell, 57, of Littlestown, Pennsylvania, after battling cancer went to his eternal home on Monday, May 8, 2017. He was the husband of Lisa A. (Claflin) Cornwell for 37 years Read more.


    Event Planning Schools – Your #1 Event Planning School Resource, event planning degree.#Event #planning #degree


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    Event Planning Schools

    **Update: We just completed a review of the best online event planning course here. If you are interested in a course, please read it. Otherwise keep reading below or go to the colleges, degrees or certifications pages.**

    Finding the right path to learn about event planning can be hard to do. The reason is that there are many ways to learn and become successful at it. You have to find out which route is best for you and we can help you navigate the way.

    On this website we will show you all the possible ways to learn about event planning. Since you probably found us by searching for the academic route, we go in-depth about colleges and courses.

    Ways To Become An Event Planner (Quick Summary)

    • Option 1: Get a degree in event planning or hospitality management
    • Option 2: Get an event planning certification or take an online course
    • Option 3: Find a job, internship or volunteer opportunity
    • Option 4: Start your own business

    Event Planning Degree

    If you plan on attending a two-year or four-year college, you can look for schools that offer an event planning degree. Actual event planning degrees are not very common and you can find a list of schools that offer this degree on our colleges page. This is the most traditional route.

    Do not worry though there are many degree options that are just as widely accepted as a rare event planning degree. These degrees are sometimes called:

    • hospitality management
    • tourism management
    • event marketing
    • hotel management
    • music production

    Other strong options for a career in event planning are public relations or communications degrees.

    After you receive any of the above degrees, you can gain further qualification by completing an event planning certification program. By having a degree and a certification you greatly increase your chances of getting a job as a planner.

    Event planning degreeIf you are getting ready to graduate from high school and are looking for a college we recommend you review our Event Planning Colleges page.

    Some people already have a college degree or do not want to take the four-years required to earn your degree so they look for other options like shorter planning courses or certifications. This is also a very viable option and many people get jobs this way.

    Event Planning is a very hands-on field therefore short courses combined with internships are often times just as valuable as a college degree.

    Please read our Event Planning Courses section for info on good courses.

    Event Planning Home Study Courses

    There are many event planning home study courses available. Some are better than others.

    We recommend that if you go this route it is helpful to combine the home study with an internship or volunteering with a non-profit organization to strengthen your experience.

    Often times taking a home study course can be just as effective as having a college degree in event planning. Employers value having hands-on experience.

    We rank and review the most popular home study courses.

    Event Planning Certifications

    Event planning degreeThere are several certification programs you can get to add to your resume when applying for a job or talking to clients but it is recommended you first complete an event planning degree program or home study course.

    A certification is great but you must still be able to demonstrate your knowledge and experience in order to put it to use.

    Here is a list of well recognized certifications:

    • Certified Special Event Professional (CSEP)
    • Certified Meeting Professional (CMP)
    • The Professional Convention Management Association (PCMA)
    • International Special Events Society (ISES)
    • National Association of Catering Executives (NACE)

    It is important to know the difference between a certification and a certificate . The four most recognized certification programs above are official certifications , however a certificate is merely something any course can offer. If you position your certificate properly, it can help you but we recommend you get an official certification if that is an option for you.

    Event Planning Internships

    Getting hands-on experience with planning events is very important. Most colleges and home study programs teach you about the industry but you learn better when you get to watch a real event come together.

    This is why creating a portfolio of your work is one of the most important things you can do.

    By doing an internship with an event planning company, you can combine the knowledge from your previous study with hands-on experience for a more powerful resume when applying for a job.

    To get an internship you can either look for openings on popular job sites like Craigslist or you can volunteer at an event with a local non-profit. Often times it is easier to volunteer at events than it is to get hired as an intern. By volunteering at events, you can take photos of the event and document your actions to start putting together your portfolio.

    Event planning degree

    Another important difference is when you volunteer it is typically done on an event-by-event basis; whereas when you intern you are expected to commit to working 10+ hours per week for several months. Both experiences are valuable and you can pursue both simultaneously as long as you have the time.

    Do you have any specific questions about the above information? If you do, you can ask us questions on our contact page.


    Steps to Applying for Financial Aid, Community College of Philadelphia, steps in financial planning.#Steps #in #financial #planning


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    Community College of Philadelphia

    Steps in financial planning

    You are here

    1. Home ›
    2. Paying for College ›
    3. Financial Aid ›
    4. Steps to Applying for Financial Aid

    Steps to Applying for Financial Aid

    STEP 1

    Video Support

    Watch these videos for help and support in filling out FAFSA

    Complete the FAFSA

    You must apply for financial aid each academic year, and completing the Free Application for Federal Student Aid (FAFSA) form is the first step. Go to www.fafsa.ed.gov to get started. Apply for your Personal Identification Number (PIN). You will need a PIN to sign your FAFSA electronically or make corrections to your FAFSA. Your FAFSA application is used to apply for the Federal Pell Grant, Federal Work Study, SEOG, Federal Direct Loans and the PHEAA State Grant. Use Community College of Philadelphia School Code 003249 when filing your FAFSA. In addition to completing the FAFSA, students applying for the Direct Loans must also complete a Master Promissory Note (MPN) and an entrance counseling session at www.studentloans.gov.

    Changes to the 2017-2018 FAFSA

    What’s changing for the 2017–2018 Free Application for Federal Student Aid (FAFSA)? Students can now submit a 2017-18 FAFSA as early as October 1, 2016 rather than beginning on January 1, 2017. Also, beginning with the 2017-18 FAFSA, students will report income and tax information from an earlier tax year. For the 2017-18 FAFSA, use the 2015 income and tax information.

    You are strongly encouraged to submit/renew you FAFSA in February/March after you have filed your tax return, and you must file before April 15 if you are planning to attend College in the fall semester. If you need assistance, please call 1-800-433-3243. Remember, the FAFSA application is always free.

    STEP 2

    Read Your Student Aid Report

    Once you have completed the FAFSA application, you will receive a Student Aid Report (SAR) via email. Review your Student Aid Report carefully and take appropriate steps.

    STEP 3

    Check Your MyCCP and College email Accounts

    We will review your FAFSA application and post any outstanding requirements to your MyCCP account. Please provide the Office of Financial Aid the documents and forms requested as soon as possible so we may assist you in finalizing your application. You may download financial aid forms and worksheets online.

    You must complete, print and sign the appropriate forms before submitting it to the Office of Financial Aid. You may also be required to provide copies of your (and if a dependent student, your parents’) IRS tax return transcripts, W2s, citizenship papers and other documents. For instructions on checking your outstanding requirements in MyCCP, login and click on the “Check Your Overall Financial Aid Status” link.


    MBA in financial planning #mba #in #financial #planning,online #financial #management #programs,mba #financial #management,financial #management #mba,financial #planning #courses


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    MBA in Financial Planning

    An MBA in financial planning will provide you with the skills you need to manage large corporate funds and private investment accounts as well as work directly with clients in managing their financial accounts. Financial management is currently one of the most important aspects of corporate activities and private investment activities. Whether you are interested in becoming a professional business manager, or you are interested in managing the finances of investors.

    Financial Planning Education and Training

    Admission requirements can vary greatly from one institution to another, but most institutions require their applicants to obtain a bachelor s degree in order to be accepted into their MBA programs. Due to the competitiveness of these business programs, students are also required to submit their GRE or GMAT test scores prior to being admitted as well. Your GPA total throughout your academic career may also play a vital role in the admissions process.

    Over the years, the Master s of Business Administration degree has proven to be one of the most important degrees business managers can obtain. In fact, more business managers obtain a Master s in Business Administration degree than any other degree available today. If you are planning on pursuing this degree for yourself, you will have many managerial positions and fund managing positions made available to you upon graduating.

    Many MBA in financial planning programs also request their applicants to submit multiple letters of recommendation when applying. Along with these basic requirements, many institutions request applicants to submit a personal resume with a personal statement to make it easier for the admissions department to determine which candidates are best suited for modern competitive business school programs.

    Coursework in the MBA in financial management degree generally revolves around capital management and international finance. Courses can also cover topics such as entrepreneurial finance, financial risk management, and capital markets. All of the courses that are included in MBA programs with an emphasis in financial management are designed to fully prepare students for careers in the turbulent fast paced global financial markets. Areas of study and practice include
    The topics cover major planning areas such as:

    • General Principles of Finance and Financial Planning
    • Employee Benefits Planning
    • Investment and Securities Planning
    • Insurance Planning
    • State and Federal Income Tax Planning
    • Estate Tax, Gift Tax, and Transfer Tax Planning
    • Financial planning and consulting
    • Asset Protection Planning
    • Retirement Planning
    • Estate Planning

    Certification

    The Certified Financial Planner (CFP) is a professional certification for financial planners that is conferred by the Certified Financial Planner Board of Standards (CFP Board). Successfully passing an exam is required. To maintain certification, one is required to complete thirty hours of continuing education where two hours the Board of Standards approved ethical information, on an on-going basis in addition to paying a licensing fee every two years.

    Careers in Financial Planning

    Since practically every institution on the in business and non-profit must manage sums of capital in some way, there are many job opportunities available to MBA in Financial Management degree graduates in today s economic environment. Whether you are interested in working for a non-profit organization, or you are interested in working with the largest market movers and shakers in the world, you will have plenty of opportunities afforded to you with an MBA in your possession.

    Almost every corporation is in need of individuals who thoroughly understand the complexity of global marketplaces and how institutions can better manage their funds to position themselves for a successful future.

    Due to the extreme market turbulence the global financial markets are currently experiencing, the future is rather unpredictable for individuals who are interested in procuring an MBA in Financial Management. Even so, corporations, non-profit institutions, and private investors will always need the assistance of knowledgeable professionals who have a deep understanding of global markets and capital management.

    Estimated Income and Projected Career Growth

    The amount of money you can expect to earn per year will depend on the school you graduate from, the grades you obtain throughout your academic career, as well as the type of position you seek to obtain. Successful students who seek out positions in the corporate sector of the economy commonly earn six figure salaries immediately upon completing advanced degree business programs. If you choose to work within the public sector of the economy or for a non-profit organization, you should expect your yearly salary to be considerably less attractive.

    The United States Department of Labor Statistics reports that the median salary for financial managers as $113,730 for the year 2009, minus the stock options and bonuses extended to employees. The top 10% of financial managers earned over $138,010 while the middle 50% made between $73,530 and $101,190. The lowest 10% earned below $54,760.

    Programs in Financial Planning

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    Swap your pension for cash from April 2017 #annuities,money,standard,financial #planning #(for #retirement),pensions #and #retirement


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    Swap your pension for cash from April 2017

    15 December 2015 • 5:59pm

    M ore than five million pensioners who bought annuities will be able to swap their guaranteed income for a cash lump sum from April 2017, the Treasury has today confirmed .

    The move to create a new secondary annuity market is an extension of the Government’s landmark pension freedoms first announced in 2014, and applying from April 2015.

    Now the Government has said that from April 6, 2017, tax restrictions for people looking to sell their annuity will be removed, giving pensioners with an existing annuity – and anyone who purchases an annuity in the future – the ability to sell it on for cash.

    Currently someone wanting to sell an annuity to a willing buyer would face a tax charge of up to 70pc. The government will scrap this, so people are taxed only at their marginal rate (see the explainer, below).

    The move will be beneficial for those who can swap small or negligible annuity payments for a single, lump sum.

    But critics have pointed out numerous risks, and warn that giving up the right to a guaranteed income could be a dangerous step.

    Tom McPhail, pension expert at Hargreaves Lansdown warned that selling a guaranteed income will not be right for many people.”

    The government estimates there are around 5 million annuity holders, receiving total income of £13.3 billion a year.

    Sell your pension? How it would work

    It’s been the dream of many an unhappy annuity buyer: sell the policy back to the insurer for a cash lump sum. And now the Government wants to make it a reality.

    I t sounds a simple and attractive idea, but there are complexities. How could you be sure you were getting a good price for your annuity? And how much tax would you have to pay? We look at how such a market would work in practice.

    Annuity rates over the past 10 years for buyers aged 60 (dark blue), 65 (blue) and 70 (green)

    Based on a single person with £100,000

    How much would I get for my annuity if I sold it on this new market?

    U nder current proposals, the annuity would continue to exist after you sold it in the second-hand market. Payment would be reassigned to the new owner and the pension would continue to pay out until you – not the new owner – died.

    We can’t be sure how much your annuity would fetch in these circumstances. But one possibility is that the annuity would be worth whatever it would cost someone of your age and life expectancy to buy the same annual income for life that you currently receive from the policy.

    For example, let’s say that you buy your annuity today at the age of 65 while you’re in good health. Roughly speaking, the annuity company will assume that you’ll live for another 20 years, until you are 85.

    Now let’s assume that you want to sell the annuity in five years’ time, when you are 70, and that you are still in good health then.

    I f the company that buys your annuity sells it on to another 70-year-old buyer in good health, it would presumably base its price to that buyer on what it would charge him or her for a new annuity at that time.

    However, the new buyer would probably prefer an annuity that lasted until his or her death, rather than yours. Therefore, he is likely to expect a discount for the “second-hand” annuity. He might also expect you to take a medical to confirm your good health. And the firm that carries out the transaction would expect a cut.

    If the second-hand annuity’s value is based on that of a new one, it would clearly depend on the factors that influence annuity rates at that time. These include the interest paid on government bonds (gilts). If you bought when annuity rates were higher, it means gilts were cheaper then, so your annuity should fetch more now.

    If there was no buyer for my annuity, couldn’t the insurer just buy it back?

    A: This is another possibility. Any annuity carries risk for an insurer because it doesn’t know when you will die and therefore how much money it will pay out in total. If a particular insurer thinks it has taken on too much risk, it could reduce it by buying back annuities. For the policyholder, the question is what price is offered. Experts said insurers would want a discount, perhaps 20pc, on the true value of the annuity.

    But what is that true value? It depends on your life expectancy at the time you want to sell. If your health has deteriorated since you bought the annuity, its value will be lower, reflecting the fact that it is likely to pay out for less time than originally expected.

    B ecause of this, you would probably have to have a medical check-up before you got a trade-in value for your annuity.

    What could go wrong?

    A s mentioned above, the problem for a buyer of your annuity is that payments will cease on your death, not theirs. How many people will want an income that could end at any time? This could severely dent prospects for the new market and make second-hand prices unappealing.

    It’s possible that individual annuities could be bundled together and sold to institutional investors to get round this problem.

    There are also practical problems. There will need to be a mechanism by which the original insurer is informed of the death of the first owner of the annuity so that it can stop the payments.

    It’s possible that these problems could be overcome if insurers were prepared to link payments to the new owner’s death rather than the original owner’s, assuming similar life expectancy.

    If I sold my annuity, how much tax would I have to pay?

    The sale would probably be treated in the same way as accessing your whole pension in one go under the pension freedoms that take effect in April. On other words, the money will be treated as income and taxed at your “marginal” or highest rate.

    UPDATE: Since the publication of this article the Government dropped its plan to create a secondary annuity market.


    LGBT Newlyweds Guide to Money – Financial Planner Los Angeles #financial #planning #for #newlyweds, #lgbt #newlyweds #guide


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    LGBT Newlyweds Guide to Money

    The LGBT Newlyweds Guide to Money, Love and Fiscal Fabulousness. Los Angeles Financial Planner walks you through the must know tips to get on the same page financially as your spouse.

    By David Rae Certified Financial Planner™, Accredited Investment Fiduciary™

    I’ve been gay my whole life, a Certified Financial Planner™ for well over a decade, coupled with my sweetheart for six years and married to him for almost 2 years. From this perspective, I’d like to share a few tips for a happy, healthy and successful marriage to my LGBT brethren. While less experienced at marriage (so far), I do have considerable background as a Financial Planner guiding LGBT couples to the point that it has become my specialty.

    As a community, LGBT Newlyweds and our relationships face a unique set of challenges. Fortunately, lack of legal recognition is no longer a major issue (though I’m not naïve to think discrimination is finished, the tide has shifted dramatically–and permanently–in our favor). But newfound marriage equality is forcing many same-sex couples to deal with issues they may have been able to previously ignore.

    At the same time, all married couples face challenges directly or indirectly related to money and finances. I would never claim to have all the answers to every marriage problem in the universe. But here are some significant ways to help reduce the likelihood of money woes bringing your relationship to an early demise. The LGBT Guide is just the tip of the iceberg.

    Here are the 7 tips I want to convey upon the Happy LGBT Newlyweds to guide them towards Fiscal Fabulousness in regards to LOVE and Money.

    LGBT NEWLYWEDS GUIDE to Plan, Plan, Plan.

    Capable couples communicate about money early and often. Ideally, I’d like to see you have a financial plan in place before you tie the knot. Working on (and working out) a financial plan together can preemptively diffuse monetary time bombs and future chaos. Avoiding conversations about your finances now exponentially increases your chances of some small bump in the road turning into a larger issue later. Essential topics include kids, where to live, how much to save and credit card management.

    LGBT NEWLYWEDS GUIDE to Figure Out How to Split Expenses.

    Find an arrangement that works for you as a couple. Some couples work a 50-50 split while others share expenses based on the size of their incomes. The important thing is to have an arrangement that you both find fair and that works for you. Not taking this step can easily lead to resentment or fights over spending in other areas.

    LGBT NEWLYWEDS GUIDE to Get Your Policies and Paperwork in Order.

    You are now a married couple with legally recognized rights and obligations. Make sure your beneficiaries are up to date. Obtain the proper amounts of life insurance, and consider disability and long-term care insurance. Also remember you will now most likely be filing your taxes jointly. So be strategic with retirement plan contributions and other potential spousal benefits that may be available to you now.

    LGBT NEWLYWEDS GUIDE to Expect the Unexpected.

    Life happens, and odds are if you are together long enough, someone will get sick or laid off, a car will break down, or some other emergency will pop up. Being prepared and having an emergency fund will help keep you on track for your financial goals, reduce the odds of having to cancel the “fun” parts of your plan, and hopefully reduce the financial stress in the household. At the very least a nice financial cushion will mean that much-needed last minute trip to Puerto Vallarta won’t end up piling up interest on a credit card.

    LGBT NEWLYWEDS Guide to Figure in the Fun.

    If you can afford it, also set aside money for the memory-making good times like vacations, adventures on your bucket list or all out holiday binges. Getting into the habit of saving becomes easier when you also include something fun and exciting into the mix. As essential at it is, it may be hard for you two to get excited about contributing to a retirement that could be 20 or 30 years away. But knowing you’re also saving up for a trip Hawaii next winter might help keep things on track. (Mind you, neither one should come at the expense of the other. But you knew that, right?)

    LGBT NEWLYWEDS GUIDE to Take Action Now .

    If you procrastinate and don’t act on your financial plan, even the best advice on the planet is irrelevant. The best advice I can give is to get your head out of the sand and start building your financial lives together now, no matter how long you’ve been together. Consider contacting a professional who can help with your specific situation and time frame. Putting a plan into place and saving for your goals means that you won’t outlive your financial resources and indeed have a shot at living happily ever after.

    LGBT NEWLYWEDS GUIDE to Watch the Waistline Along with the Bottom Line.

    All our newly married friends–gay and straight–seem to pack on a few extra pounds in their first year of marriage. Do yourself a favor and cut back a bit on the dining out and ordering in. Your waistline, your spouse, your wallet and your svelte 90-year-old self will thank you for it. Let the good times roll for sure but keep up with the crunches too.

    Until next time and as always Be Fiscally Fabulous, and remember Gay Money Matters.

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    Creating a Daily Plan #dementia #plan, #alzheimers #plan, #dementia #care, #alzheimers #care, #dementia #planning, #alzheimers #planning, #dementia #activities, #alzheimers #activities, #dementia #caregiver, #alzheimers #caregiver, #dementia #support, #alzheimers #support, #dementia #activity


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    Daily routines can be helpful for both you — the caregiver — and the person with Alzheimer’s. A planned day allows you to spend less time trying to figure out what to do, and more time on activities that provide meaning and enjoyment.

    Organizing the day

    Remember to make time for yourself, or include the person with dementia in activities that you enjoy – for example, taking a daily walk.

    A person with Alzheimer’s or other progressive dementia will eventually need a caregiver’s assistance to organize the day. Structured and pleasant activities can often reduce agitation and improve mood. Planning activities for a person with dementia works best when you continually explore, experiment and adjust.

    Before making a plan, consider:

    • The person’s likes, dislikes, strengths, abilities and interests
    • How the person used to structure his or her day
    • What times of day the person functions best
    • Ample time for meals, bathing and dressing
    • Regular times for waking up and going to bed (especially helpful if the person with dementia experiences sleep issues or sundowning )

    Make sure to allow for flexibility within your daily routine for spontaneous activities.

    As Alzheimer’s disease progresses, the abilities of a person with dementia will change. With creativity, flexibility and problem solving, you’ll be able to adapt your daily routine to support these changes.

    Checklist of Daily Activities to Consider

    • Household chores
    • Mealtimes
    • Personal care
    • Creative activities (music, art, crafts)
    • Spontaneous (visiting friends)
    • Intellectual (reading, puzzles)
    • Physical
    • Social
    • Spiritual
    • Work-related (making notes)

    Writing a plan

    When thinking about how to organize the day, consider:

    • What activities work best? Which don’t? Why? (Keep in mind that the success of an activity can vary from day-to-day.)
    • Are there times when there is too much going on or too little to do?
    • Were spontaneous activities enjoyable or did they create anxiety and confusion?

    Don’t be concerned about filling every minute with an activity. The person with Alzheimer’s needs a balance of activity and rest, and may need more frequent breaks and varied tasks.

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    Daily plan example (for early- to middle-stages of the disease)