Selasa, 09 April 2013

Pensions-how to lose easily 131,000

Easily enough, the worst can open the chat in line would begin to talk about pensions.

Although I researched them for over twenty years, it never ceases to amaze me how fast can I I fall asleep at the thought of even thinking about them.

And that is probably why more than 17 million people living in the United Kingdom have never reviewed the pension that they set up.(1)

Each of these pensions can easily be reviewed. A good friend of mine died recently and he had put off his retirement planning and didn’t want to watch it. Its pension plan had a value of £ 113,000. Because he had never examined (‘ the bored senseless ‘, he would say), he had not noticed that the death benefit on his retirement was actually a return of premiums paid, rather than the total value had grown to.

He had examined, as pena and simply turned on the Board. Instead, its beneficiaries received the return of premiums-a paltry £ 38,000, which resulted in a fine of £ 75,000.

Too often a Board is removed to a spare of the moment and never considered again. In fact, research by Barings showed that 38% of all pensions taken choose default pension fund available, and therein lies the reason why the performance of the Pension Fund.

With 48% of us never having considered our pensions, only one out of five review in recent years and 12% sure if they looked at getting their house literally millions are wasted.

Take a pension fund of £ 100,000. In the last year average United Kingdom all holdings pension fund returned £ 12,400. Top performers returned £ 30,800 and worst Fund lost £ 1,200. The difference between the top and middle was 18,400 pounds and this is more than a year. (2)

In five years the numbers are pretty impressive. The average fund returned £ 19,500, superior Fund returned £ 80,500 and worst Fund returned a loss of £ 50,800. The gap between the top and the worst thing was an unforgivable £ 131,300 on a simple investment of £ 100,000.

Now we all know that past performance is no guide to the future, but an expert independent financial advisor will have all the search tools to ensure a good quality of consistency in the Fund Manager.

For example; twelve years ago after having invested in a sophisticated search mechanism that now I can see on a month to month basis as consistent is a fund; how much risk you are taking. where the returns are coming from; the strategy of their decision and the decision-making process.

That was very helpful over the years to ensure the maximisation of returns, but only if investors review their pensions that their independent financial advisor can help you make the relevant changes.

Maybe it’s a sad reflection of investors ‘ view of their financial adviser that the 13% of customers use a family member to decide where to invest their capital and select which resources to allocate to.

So much so that nearly 2 million people rated the advice from their financial adviser on such fund to be used as a poor and 3.3 million today, make that decision on their own.

While the vast majority of retirement accounts go to an independent financial adviser for their advice, the numbers would be much higher.

It’s not just the performance of the Fund; The advantages of death mentioned above should be sufficient motivation for anyone, but an analysis of the costs is also alarming.

Whereas could set a simple stakeholder pension back nearly 1% per year, with access to a straight forward Fund, other pensions that I reviewed recently charged 10% per year.

Cannot be exciting or challenging, but a review is essential.

In many circumstances if you transfer just the authority of the pension fund that the new Adviser will be paid to do the exam with the Commission the previous Councillor was paid for doing nothing.

Poverty to profit: Islamic microfinance – part 2


The provision of Islamic microfinance Mudarabah contract falls under, a participatory agreement in which one party provides the capital (main) and the other (the worker) is used for commercial purposes, in which the profit from the trade is shared according to an agreed proportion and the loss, if any, unless caused by negligence or breach of contract by the worker, is confirmed by the principal. Here are some considerations:

>> The main Bank should not interfere in routine operations of the activity of the worker, even if the Bank is permitted to provide technical advice. The worker must provide regular periodic reports to activity State Bank;

>> Profit earned by a business Mudarabah is distributed among client and worker on the basis of proportion settled in advance;

>> No fixed amount as profit, salary or Commission, could be dismissed in favor of the parties in advance; Islam permits, establishing the profit in percentage terms (e.g. “10% of share your profits with me every month”), but prohibits the fixing profits in absolute terms (such as “give me $ 100 of your monthly profits”), the obvious difference is that the former is linked to business performance, whereas the latter is plugged into anything;

>> In a business running, losses can be compensated with business earnings until the business closes and accounts are paid;

>> scholar of qualified Sharia should be consulted throughout the investment process to ensure that transactions are in accordance with Islamic law.
A Grameen model Islamicized version looks like this:

1. a group of 5 customers the approach an Islamic Bank microfinance investment capital to 5 separate projects.

2. After the feasibility evaluation for each of the 5 projects, the Bank shall draw up separate agreements, explaining the reimbursement schedules and profit-sharing percentages and pointing out the possibility of more investment in the future depending on their individual performance.

3. the Bank invests primarily in 2 individuals.

4. these first 2 individuals repay a quarter of each of their original investments each week for four weeks (scratching your profits in the field each week) until the end of the month that is paid back the entire original investment and 75% of all the profits remain with the individual and 25% of the profits return to the Bank (mainly to finance growth and future Bank operations); in the event of leaks, only what’s left of the investment is repaid.

5. in the second month, the Bank then evaluates the performance of these first 2 individuals and decides whether to reinvest; growing investment size for those individuals with higher return rates to 10%; keeping the size of existing investment for those individuals with rates of return between 0% and 10%; and reducing investment for loss of individuals, where a second round of losses would disqualify them from any future investment, forcing the remaining group to find another partner of the group.

6. Also in the second month, the Bank started investment in next 2 individuals, using the same rebate program and profit-sharing agreement with regard to the first 2 individuals.

7. in the third month, the Bank assesses the performance of 4 existing customers and decide whether to reinvest, using the same criteria.

8. Also in the third month, the Bank invests in the fifth and final single of the group, using the same rebate program and profit-sharing agreement with regard to the previous 4 individuals.

9. the Bank continues this transaction cycle, using the same rebate program, the profit-sharing agreement and reinvestment policy for all future investments.

These simple steps are effective in a rural village in a Muslim country like in an urban ghetto in a non-Muslim, if the client is male or female, young or old, Muslim or not. Size groups, repayment plans, the goals of profit-ability, reinvestment policy, investment duration and other integrals of the transaction can be customized to meet the needs of the customer as necessary.

In calculating profit, the client must provide only three kinds of information: purchase price, selling price and quantity purchased. It is fundamental that from the beginning, customers explained that profitability (and, implicitly, by declaring honestly profits) translates into more investment in the future.

Guaranteed interest account-is there anything still available that is safe?

Did you know that a guaranteed interest account created through the limited options of IRA could earn your retirement income? Of course, we know better and we know that any IRA investment option Property would just get bare minimum yields. There is no reason why the Government would prefer to keep low investment returns. You get the advantage of guaranteed yields for the specified period. You can also get great tax benefits while filing fees. However, that does not restrict us from going into open-ended guaranteed interest accounts.

These guaranteed interest accounts, creating a wealth of steady income, earning opportunity for the common American. He or she can invest in bonds of maturity and tools. One of the safest ways to invest these days is cash value insurance accounts. The principle is the same-the cash value of the insurance they earn extra income during your life while the principal remains blocked.

The positive benefit of a guaranteed interest account is that you earn on your investments periodically. The earnings are attractive and can be even higher than 15-20% compared to what the Government pays. So if you’re investing in your retirement income each year, you can be assured of an annual bonus of good and nice to be on your side. Most accumulate these bonuses when they retire; you would have something many times higher than the amount in the first place.

Before jumping on the bandwagon, you need to take a close look at some finer points. Decide on the guaranteed interest account provider, after crossing the credentials. Times are tough and any wrong decision can be difficult for you and your investments. People prefer reputed companies who have been online for years to trust their investments. In fact, some of these companies are happy customers that were average about 30-40% per year on their investments. Most companies have transparent relations. Let me know where and how they plan to invest your money so that gets maximum mileage for you. Investment from a long-term perspective will give you more than you could have estimated. The stock market is also one of the options open to these companies must make investments more difficult to earn for you.

Overall, a guaranteed interest account you gain the peace of mind you’re looking for. With some extra cash in hand now, bill payments and credit card debts are manageable. You can provide for the education of children and keep that extra something for a rainy day when you suddenly need some cash. Therefore, if you are not satisfied with banks and Government bonds, are sufficient to provide for retirement, really would like to save to earn more for you over the years. This is possible with the guaranteed interest account will now be operated by these early financial companies which makes it much easier life and live.

Sabtu, 06 April 2013

Cholesterol free diet

If we look at and try to search for foods that are low in or free of cholesterol, is not really that difficult a task. A cholesterol-free diet has its origins in the rich flora which mother earth has to offer.

These foods include fruits, vegetables, whole grains and legumes. People who suffer from heart and sleep disorders should follow a cholesterol free diet. However, it is said that the purging of any specific nutrient the body harmful as its over-consumption. In the light of this statement, a low cholesterol diet is a combination of free cholesterol and cholesterol foods is largely favored.

In terms of fruit and vegetables, three to five daily servings are needed to have the right balance of nutrients and vitamins. Fresh fruits and vegetables are perfect substitutes for foods high in saturated fat and cholesterol. Fruits can include an array of apples, mango, peaches, bananas, kiwi, watermelon, and so many others. Similarly, vegetables such as potatoes (not fried), gourd, bitter gourd, okra and eggplant are few healthy options.

Then comes the turn of whole grains and legumes. From a minimum of 6 to a maximum of 11 people each day of whole wheat bread, whole grains, whole wheat flour noodles, beans, chick peas, bean sprouts, Brussels sprouts, etc, are a better choice, healthier and fuller to keep your stomach happy and free from cholesterol. These are low in saturated fat and total fat and have no cholesterol content in them.

Eat legumes and whole grains can come across as a boring and tasteless. Of course, due to its ‘ healthy ‘ lifestyle, these actually taste food materials and not spicy. To add some flavor, an olive oil or corn oil dressing with healthy herbal base of fennel, Rosemary, mint and cilantro can be used in controlled quantities.

Bread, cereal, rice, pasta and cereals, and dried beans and peas are generally high in starch and fiber and low in saturated fat and calories. They also have food cholesterol, except for some bakery breads and sweet bread products made with high fat, high cholesterol milk, butter and eggs.

So, for fun and not let the patient go overboard with the madness of the foodie tastebuds is safer than indulging in lean dairy products as milk, half cream and half fat yogurt low-fat. In addition, the animal instinct may be satisfied by gorging on white poultry, lean meats and seafood healthier.

How to heal yourself, of heart disease

At the physical layer, the heart acts as a pump to two-way for the circulatory system. As such, it is life that gives the governing body that regulates the flow of vital strength throughout the body. Coronary artery disease is the most common cause of death in North America. As reiterated in my previous articles, traditional medicine has a hard time identifying what causes the disease and why some people have them and others do not.

The traditional view:
Traditional medicine or traditional medical practices today, teaches us that every disease is the result of a physical cause. For heart disease, the cause is commonly attributed to factors such as smoking, genetics, hypertension, obesity, diabetes, high alcohol consumption, lack of exercise and stress. Research has shown smoking seems to be the cause of about 36% of the cases and obesity about 20%.

Depending on what is happening at the physical layer, these causes more identifiable because it occurs in a person’s body. Unfortunately, there’s never a solid and reliable, which can be detected by traditional medicine and its counterparts. Why? Because the physical body is not the origin of the disease and illness, and until you have understood the actual source, the confusion remains.

The body has no power to himself:
According to our traditional thinking, we believe that illness and disease are caused by something wrong physically in our bodies. For heart disease, the physical cause is primarily attributed to high and genetics. But these are not the true causes. Why? Because the physical layer, including our bodies, is the level of the effect, not the cause itself. If this is true, and nothing physical is the cause, what is? In a general sense, is the emotional and mental levels, like all things exist in the mind, before becoming a physicists.

Very practically, the physical body can do nothing in and of itself. Has no power to create anything, including sickness, illness and disease. Power comes from being involved and it seems that the physical layer is the effect layer; It has no power to create. The physical body simply reflects the mental. In other words, our physical bodies are not more than a mirror of what is happening within us emotionally and mentally.

The real cause of heart disease:
As unfortunate as it may be, traditional medicine is seeking the causes of illness and disease in the wrong places. Actually, something physical, such as not smoking can cause a physical effect in the form of a disease or illness. In other words, an effect cannot create another effect, only because it can create an effect. With that being so, because there are similar physical actions or symptoms of people who share an illness or a disease? Basically, it’s because they’re trying to find a way to relieve pain and emotional and mental imbalance which take place within them.

Interestingly, the heart is located practically in the center of the body. If a person is centered, are living from the heart in a balanced State of love and trust. A cardiac disorder is the manifestation of the opposite mindset. This person is fighting the power of life to the point of physical and emotional exhaustion. Often the person with heart disease seeking love through what others do. In essence, the disease is an urgent message from your body to change the perception of themselves.

How to cure diabetes:
As I mentioned in my previous articles, this new paradigm of thinking requires us to let go of the belief that illness and disease is an enemy that is not needed. Everything in our lives is an expression of love or a call to love. Disease and illness, in whatever form, is an invitation for us to love ourselves, because we don’t live for love in an area or areas of our lives. Is designed to take us forward in life, don’t take us back or destroy us.

Illness and disease is a message from our body, helps us to be aware of what we are not aware of. The disease is a specific message that do not allow proper flow in your life; If the flow of ideas, love or your life much. To bring healing, you need to tap into a source of love within you by changing the belief that love can only come from others. Give you the love you seek, and will always be there. Start believing that you deserve love and affection from others and that you are just as lovable as everyone else.

Five effective tips for blood pressure control

In today’s hectic life high blood pressure has become a very common health disorder. Is a very dangerous condition for health and is often called the ‘ silent killer ‘ as it hardly shows symptoms before hand, but the good thing is that with small changes in lifestyle that this problem can be controlled. In this article let us discuss some of the effective ways to keep our blood pressure under control.

Common causes

People today have a completely different type of lifestyle than people 20 years ago. The main difference lies in the type of food we eat, which is giving way to a lot of disease and high blood pressure is one of them. Also due to hectic work schedules and extra work pressure that it is quite normal that suffers from blood pressure problems.

Here are some of the things that one can do to stay healthy and lead a normal life without any kind of health ailments.

1. weight

Obesity is a leading cause of many health ailments so it is very important to keep your weight under control. This can be done by adopting a healthier lifestyle and active, exercising regularly, doing yoga and taking a deep sleep. If a person can keep his weight under the normal level automatically become immune to diabetes even of many diseases.

2. stress

Is a major cause of high blood pressure so that it is very important to keep stress levels to indulge in relaxing activities. Keep company with people who feel happy with, indulging in yoga and meditation and working pressure to keep in place of work does not take it home.

3. Salt

After a particular age that is very important to control the amount of salt you eat. Salt contains sodium and may cause the blood pressure increase instantaneously.

4 Smoking

Smoking and alcohol are like poison to a patient of high blood pressure. Both of these substances are harmful to our overall health and increase the chances of premature death for life-threatening diseases. So if you love yourself and your family to stop taking these harmful substances.

5. visit a doctor

Most people only go to a doctor when they fall ill and severally but it is advisable and very important to have regular health check-ups, so that even if there is no disease can be controlled and treated in its early stages and does not become life threatening.

Rent a p.o. box-3 things to consider

Mailing services forever will be also useful in this modernized world of email and other forms of communication. Even with all the technological developments, individuals and businesses still find postal services by major manufacturers post for their businesses and any other needs you might have.

PO boxes are always available and it is so hard for you to find exactly what you are looking for. However, there are important things that must be considered before renting a PO box as a way to ensure that at the end of the day you’ve got the right box that serves all the needs you have.

The location of the Inbox: this is important because it determines how easy it is for you to gain access to your mail, and how soon. You might want to consider renting a mailbox inside the area to live or work with mailbox access is simple. The location will also determine the types of boxes are available and, therefore, should be considered.

The mailbox type: the most common mailbox types that are found are personal, business and corporate, mailboxes. Each type comes with their own limits and costs and you should consider your needs depending on the mailbox type. Attract different charges depending on the rental period and the number of recipients named changes with each type. It’s better to choose the type that will be more suited to your needs and at the same rime will serve the purpose of confidentiality and security that might be looking for.

The rental period: most inboxes can be rented for as short as three months and up to 5 years or even more. The period within which rent the box is able to determine the amount that you get to pay. It is always helpful when you are clear about the time that you want to rent a mailbox if everyone to avoid unnecessary expenses that could be attracted. The different periods are useful in the sense that people who are always traveling or temporarily based in the zones are able to enjoy even the postal services in the most crucial moments before then. This is something that can never be taken for granted.