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Sears bankruptcy and their retirees' pension plan - Enquête
Sears retirees may soon lose a big part of their pensions. That's because company executives invested only minimal amounts in their employees' pension funds over much of the last decade. But those executives followed the rules, and even acted with government support, at the same time that they distributed billions of dollars to their company’s shareholders. The story of the Sears bankruptcy sheds light on the murky world of corporations and their pension funds revealing how pools of money that are thought to be fully protected, can quickly evaporate with workers potentially losing hundreds of millions of dollars. Enquête is Radio-Canada's flagship weekly current affairs program. The show uncovers corruption, crime, and abuse of power in Quebec and Canada Producer : Gil Shochat Journalists : Sylvie Fournier, Madeleine Roy Caméramen: Jean-Pierre Gandin,Richard Marion, Laurent Racine Sound: Martin R.Thibault Editors: Charles Bergeron, Sébastien Huot, Bernard Lapointe, Étienne St-Amour ​ »»» Subscribe to CBC News to watch more videos: http://bit.ly/1RreYWS Connect with CBC News Online: For breaking news, video, audio and in-depth coverage: http://bit.ly/1Z0m6iX Find CBC News on Facebook: http://bit.ly/1WjG36m Follow CBC News on Twitter: http://bit.ly/1sA5P9H For breaking news on Twitter: http://bit.ly/1WjDyks Follow CBC News on Instagram: http://bit.ly/1Z0iE7O Download the CBC News app for iOS: http://apple.co/25mpsUz Download the CBC News app for Android: http://bit.ly/1XxuozZ »»»»»»»»»»»»»»»»»» For more than 75 years, CBC News has been the source Canadians turn to, to keep them informed about their communities, their country and their world. Through regional and national programming on multiple platforms, including CBC Television, CBC News Network, CBC Radio, CBCNews.ca, mobile and on-demand, CBC News and its internationally recognized team of award-winning journalists deliver the breaking stories, the issues, the analyses and the personalities that matter to Canadians.
Просмотров: 105892 CBC News
Employee Provident Fund Act (EPF) Calculation
For EPF Registration for your business visit: http://esipfadvisor.com/ Employee Provident Fund Act, 1952 (EPF) is an Act to provide for the institution of provident funds, pension fund and deposit-linked insurance fund for employees in factories and other establishments. This is part 2 of Employee Provident Fund Act, 1952 (EPF), visit the below link for part of the same. https://www.youtube.com/watch?v=y9kyV2N5cfY Visit www.esipfadvisor.com for labour laws consultancy. (pf, epf, esi, etc). Visit https://www.youtube.com/watch?v=PXOXwCAHKug to understand ESI act in 5 minutes. Designed by Asierromero / Freepik
Просмотров: 377087 Labour Law Advisor
12 Helpful Tips for Financial Planning
"Chris Kowalik is a nationally recognized federal employee retirement benefits expert, and a frequent speaker and trainer for federal employee organizations andfinancial service firms throughout the country.  She is certified by Long Term Care Partners as an approved trainer for the Federal Long Term Care Insurance Program(FLTCIP) which is approved by the U.S. Office of Personnel Management. She brings over a decade’s worth of experience in the financial services industry and is the most trusted expert among financial professionals serving federal and postal employees. As the developer of dozens of highly‐regarded retirement planning materials for federal employees, Chris has also analyzed the challenging retirement scenarios for thousands of federal and postal employees – helping them to avoid costly mistakes, and highlighting opportunities for them to gain greater financial security in their retirement years. Bringing extensive experience in one‐to‐one coaching, providing solutions to hundreds of challenging benefits cases, and conducting dozens of inspiring live training events – Chris has helped equip federal employees with confidence to make sound retirement planning decisions.  That confidence is based on a clear understanding of how the benefits work, how they apply to the employee, and what financial impact the employee will feel from his or her decisions.    Because of Chris’ background in the financial services industry, she knows first‐hand the challenges that so many face as they plan for and approach retirement.  She believes that helping employees to take ownership of their decisions—or lack of decisions—is the first step to making progress in meeting their specific retirement goals.    While federal benefits are often confusing and difficult to interpret, Chris is able to break down complex concepts into easy‐to‐understand language and shows employees how proactive benefit decisions can positively affect their overall financial situation." http://FedImpact.com/
Просмотров: 75 PSG Clarity
How to Calculate Pension Expense for a Defined-Benefit Plan
This video shows how to calculate pension expense for a defined-benefit plan. A comprehensive example is provided to illustrate how (1) service cost, (2) interest cost, (3) expected return on plan assets, (4) amortization of gains or losses (corridor amortization), and (5) amortization of prior service cost are tallied to generate pension expense. Edspira is your source for business and financial education. To view the entire video library for free, visit http://www.Edspira.com To like us on Facebook, visit https://www.facebook.com/Edspira Edspira is the creation of Michael McLaughlin, who went from teenage homelessness to a PhD. The goal of Michael's life is to increase access to education so all people can achieve their dreams. To learn more about Michael's story, visit http://www.MichaelMcLaughlin.com To follow Michael on Facebook, visit https://facebook.com/Prof.Michael.McLaughlin To follow Michael on Twitter, visit https://twitter.com/Prof_McLaughlin
Просмотров: 25469 Edspira
Saving For Retirement Is Easy As A Memorial Healthcare System Employee
Irene's retirement dream of opening an art studio is possible thanks to Memorial Healthcare System's retirement plan. To learn more, visit: MHS.net/Careers
Просмотров: 1348 Memorial Healthcare System
ADP Retirement Services Wins Eddy Award for Investment Education
ADP Retirement Services was recently honored by Pensions & Investments, a leading investment publication, with an Eddy Award. The Eddy Awards are an annual recognition that acknowledges best practices across seven categories by companies that offer defined contribution plans providing investment education to participants. The seven categories are: Automatic Re-enrollment; Conversions; Ongoing Investment Education; Plan Transitions; Retirement Health Care Savings; Retirement Preparation; and Special Projects. ADP Retirement Services, as a joint entry with Kingspan Insulated Panels, North America, was recognized with a first place award in the Ongoing Investment Education category. ADP Retirement Services worked with Kingspan Insulated Panels to develop a communication strategy that focused on educating their plan participants and eligible employees about the benefits of saving for their future retirement. The final program consisted of in-person education programs, email communications and digital media, and print marketing materials.
Просмотров: 436 ADP
2014 PRC Symposium: Session 3: Entitlement Reform and the Future of Pensions
Authors: Gene Steuerle (Urban Institute); Pamela Perun (Independent Consultant); and Ben Harris (Brookings Institution) Abstract: Reform of retirement and healthcare entitlements is inevitable, but its ultimate format is uncertain. Any entitlement reform should take advantage of the additional resources provided by economic growth and the rise in demand and supply of older workers. Recognizing the potential from those two forces argues for constructing reforms aimed largely at three goals: better orientation of public-sector retirement resources to needier and older populations; removal of obstacles to increased employment of older workers; and private-pension reform that provides the long-sought second tier of support in older ages. From the 2014 Pension Research Council Conference, "Reimagining Pensions: The Next 40 Years".
Просмотров: 142 Pension Research Council Boettner Center
Insight: Life Cycle Retirement Planning
In this "Insight” interview, Donna Lum, CalPERS Deputy Executive Officer for Customer Service and Support, outlines efforts to promote retirement planning among both younger members and those nearing retirement. A CalPERS Benefits Education Event (CBEE) is featured as a video example.
Просмотров: 7817 CalPERS
How to Record Pension Expense (journal entry)
This video shows how to record the appropriate journal entry to record pension expense for a defined-benefit pension plan. Edspira is your source for business and financial education. To view the entire video library for free, visit http://www.Edspira.com To like us on Facebook, visit https://www.facebook.com/Edspira Edspira is the creation of Michael McLaughlin, who went from teenage homelessness to a PhD. The goal of Michael's life is to increase access to education so all people can achieve their dreams. To learn more about Michael's story, visit http://www.MichaelMcLaughlin.com To follow Michael on Facebook, visit https://facebook.com/Prof.Michael.McLaughlin To follow Michael on Twitter, visit https://twitter.com/Prof_McLaughlin
Просмотров: 16763 Edspira
How do Emotions and Personal Schedule Play a Role in Financial Planning?
"Chris Kowalik is a nationally recognized federal employee retirement benefits expert, and a frequent speaker and trainer for federal employee organizations andfinancial service firms throughout the country.  She is certified by Long Term Care Partners as an approved trainer for the Federal Long Term Care Insurance Program(FLTCIP) which is approved by the U.S. Office of Personnel Management. She brings over a decade’s worth of experience in the financial services industry and is the most trusted expert among financial professionals serving federal and postal employees. As the developer of dozens of highly‐regarded retirement planning materials for federal employees, Chris has also analyzed the challenging retirement scenarios for thousands of federal and postal employees – helping them to avoid costly mistakes, and highlighting opportunities for them to gain greater financial security in their retirement years. Bringing extensive experience in one‐to‐one coaching, providing solutions to hundreds of challenging benefits cases, and conducting dozens of inspiring live training events – Chris has helped equip federal employees with confidence to make sound retirement planning decisions.  That confidence is based on a clear understanding of how the benefits work, how they apply to the employee, and what financial impact the employee will feel from his or her decisions.    Because of Chris’ background in the financial services industry, she knows first‐hand the challenges that so many face as they plan for and approach retirement.  She believes that helping employees to take ownership of their decisions—or lack of decisions—is the first step to making progress in meeting their specific retirement goals.    While federal benefits are often confusing and difficult to interpret, Chris is able to break down complex concepts into easy‐to‐understand language and shows employees how proactive benefit decisions can positively affect their overall financial situation." http://FedImpact.com/
Просмотров: 41 PSG Clarity
Retirement Plan Fee Disclosure Rules
BerryDunn's Retirement Benefit consultants, Bill Enck and Roger Prince, cut through the confusion of the new Retirement Plan Fee Disclosure rules and deadlines.
Просмотров: 408 BerryDunn
2016 Best-in-Retirement Business IMPACT Award™ Winner: Sentinel Benefits & Financial Group
Meet the 2016 winner of the Best-in-Retirement Business IMPACT Award™ winner, which recognizes an independent retirement plan provider who understands the unique needs of plan sponsors and/or participants and has developed an innovative approach to serving them. (1016-N3C8)
Просмотров: 766 Charles Schwab
Pension obligations | American civics | US government and civics | Khan Academy
Thinking about pensions, defined benefit plans, defined contribution plans and how pensions tend to get underfunded. Created by Sal Khan. View more lessons or practice this subject at https://www.khanacademy.org/humanities/us-government-and-civics/american-civics-parent/american-civics/v/pension-obligations?utm_source=youtube&utm_medium=desc&utm_campaign=usgovernmentandcivics Khan Academy is a nonprofit organization with the mission of providing a free, world-class education for anyone, anywhere. We offer quizzes, questions, instructional videos, and articles on a range of academic subjects, including math, biology, chemistry, physics, history, economics, finance, grammar, preschool learning, and more. We provide teachers with tools and data so they can help their students develop the skills, habits, and mindsets for success in school and beyond. Khan Academy has been translated into dozens of languages, and 15 million people around the globe learn on Khan Academy every month. As a 501(c)(3) nonprofit organization, we would love your help! Donate or volunteer today! Donate here: https://www.khanacademy.org/donate?utm_source=youtube&utm_medium=desc Volunteer here: https://www.khanacademy.org/contribute?utm_source=youtube&utm_medium=desc
Просмотров: 44343 Khan Academy
The Real Price Tag of Retirement - Right on the Money - Part 2 of 5
This is part two of five taken from the full episode of Right on the Money featuring the 10 Retirement Challenge Series. Sub Headline: Many Age 50+ Don’t Have a Plan for Retirement Synopsis: A defined benefit plan, a gold watch at age 65 and being employed by one company your entire working life has gone away. For too many, Social Security is the only retirement plan they have and they’re not optimizing its benefits for maximum income. Social Security isn’t a set-it-and-forget-it auto-retirement plan, and retirement planning isn’t a do-it-yourself activity either. If you want your retirement years to be your golden years, you have to have a plan the money to fund it. Content: A financial advisor who has retirement expertise can help you design your retirement plan. But it’s all for naught if you don’t pay yourself first. Having a vision of your retirement is one thing, but it requires an economic epiphany to motivate you pay yourself first. Any vision of retirement is just a dream until you decide to that. Once you discipline yourself to set aside a portion of every paycheck, of your IRS refund, of your inheritance and any windfall, you’re ready to engage a financial advisor who is recognized as having expertise to help you develop your plan. Can you imagine playing in the NFL without a game plan? Would you ever confront a military foe without strategic planning? Is it even conceivable to run a corporation without tactical planning? If you’re golden years are going to be memorable ones, you need a plan with goals, strategies and tactics. There are three fundamental goals in retirement. The first is to establish increasing income you can’t outlive to cover your increasing cost of living in retirement. The second is to ensure an inheritance for your progeny and your favorite non-profit organizations. The third is to grow your estate and expand your influence. To establish increasing income you can’t outlive to cover your increasing cost of living in retirement, you’ll want to consider guaranteed lifetime income annuities as your supporting strategies. To ensure an inheritance for your progeny and your favorite non-profit organizations, you’ll need to investigate the purchase of life insurance that can leverage your money to your kids and charities. To grow your estate and expand your influence, you’ll need to take a risk-tolerance test to determine your suitability for equities and bond holdings that have potential of increasing your net worth. Syndicated financial columnist and talk show host Steve Savant interviews Stephen Stricklin, certified financial planner and registered investment advisor. Stephen is one of the top five advisors in the nation according Retirement Advisor magazine, a leading industry publication. Right on the Money is a weekly one-hour financial talk show for consumers (www.rightonthemoneyshow.com) https://youtu.be/fU9FpDelLps
Просмотров: 1273 Right On The Money Show
UT Benefits for Newly Retired Employees (Plan Year 2013-2014)
This video provides an overview of UT Benefits for newly retired employees of the University of Texas System.
Просмотров: 987 UT Benefits
Unraveling DOMA: How the Supreme Court's Windsor Decision Affects Your Employee Benefit Plans
(Recorded 8/15/2013) On June 26th, 2013, the Supreme Court struck down the portion of the Defense of Marriage Act that prohibited the federal government from recognizing same-sex marriages for purposes of any federal laws. The United States v. Windsor decision has important implications to employers and their employee benefit plans. Attorney Kate Saracene reviews the changes you should be making to your health and welfare plans, cafeteria plans, pension and retirement plans and other policies in order to comply. Take advantage of this opportunity to understand this far-reaching Supreme Court ruling.
Retirees Recognition Banquet, May 12, 2017
This program recognizes employees of Frederick County Public Schools who have dedicated their careers to helping students receive an excellent education.
Просмотров: 495 FCPS Media Network
Просмотров: 264268 Anirban Sarkar
Enhanced Pension Benefits
Veterans Benefits Administration, Pension & Fiduciary Service - Enhanced Pension Benefits
Просмотров: 124673 U.S. Dept. of Veterans Affairs
Do It Yourself Retirement Planning: Smart Choice or Risky Businesss?
The Do it yourself approach has been around since the beginning of time. And even today when there is a service or product that can do just about anything for you, there still exists a huge portion of do it yourself enthusiasts who like to do everything from mowing their yard, painting their house, changing oil, and even doing your own investing and retirement planning. And in most cases, doing it yourself saves money. But did you know that the do it yourself retirement planning might actually be costing you money? A recent study by Guardian Workplace Benefits revealed that the 40% of employees who call themselves retirement planning DIYers (do it yourselfers) are falling behind their peers in regards to prioritizing and meeting key financial objectives. Don't forget to Download your Free Retirement Reports here: http://www.RetirementThinkTank.com According to this do it yourself retirement study, 52% of these do it yourselfers cite that all or most of their financial preparedness and education comes through their employers. Overall, the do it yourself retirement planners underperformed on key financial objectives compared to the done for me retirement planners who used financial advisors. For more on retirement planning and to download your free retirement reports, check out: http://www.retirementthinktank.com
Просмотров: 513 Retirement Think Tank
Meet Larry Antonation, Group Retirement Consultant at TRG Group Benefits & Pensions Inc.
MORE ABOUT LARRY To his colleagues, Larry is one of the most recognized and respected retirement and pension experts in the industry. To his clients, he’s the man with the plan. After four decades of designing, refining and optimizing pension plans, there are few others who rival his extensive knowledge of retirement services. This wealth of knowledge and experience, together with his thoughtful and friendly demeanour, makes Larry a welcome member and an invaluable resource of the TRG team. Consider your organization’s retirement and pension plan—can it benefit from better opportunities, greater efficiency, improved use and clearer communication? If so, talk to Larry. Chances are he can help to dramatically enhance the value of your plan with some of the best advice in the business. Larry holds a Diploma in Business Administration, and his Retirement Plans Associate (RPA) designation. He's a fitness buff and a regular golfer, so when he’s not helping plan for a better future, you’ll find him at the gym, on the fairway, hiking or travelling. Phone: 604.714.4860 Email: lantonation@trggroup.com
Просмотров: 16 TRGGroupBenefits Canada
MetLife Corporate Social Responsibility - 2016
#MetLife Corporate Social Responsibility - 2016 MetLife, Inc. announced the release of the company’s annual corporate responsibility report, which highlights how it manages Environmental, Social and Governance (ESG) issues and makes a positive impact on society and the economy. The report, titled Global Impact, includes information on MetLife’s leadership on climate issues and social impact investing as well as our efforts to make our products more accessible and easier to use, enhance customer service, and improve employee wellness. It also details our accomplishments in workplace diversity and MetLife Foundation’s work to improve financial inclusion. For the first time, the report also provides a progress update on the ESG goals and commitments established in last year’s report. “For nearly 150 years, MetLife has managed its business with a commitment to being a responsible corporate citizen, and communicating about our ESG activities is one of the many ways we continue to set a high bar for ourselves,” said Mike Zarcone, MetLife executive vice president and head of Corporate Affairs. Some of MetLife’s corporate responsibility activities and accomplishments in 2016 included: • Named to the Dow Jones Sustainability Index – North America (DJSI) for the first time. The DJSI is a widely recognized standard for corporate responsibility that tracks leading sustainability-driven companies. MetLife is one of only eight insurers in North America to appear on the index. • Recognized with a Climate Leadership Award from the U.S. Environmental Protection Agency for the company’s ambitious greenhouse gas emissions reduction goals. MetLife pledged to become carbon neutral by the end of 2016, a goal we have achieved. • Received a grade of “A minus” from CDP (formerly the Carbon Disclosure Project) for reporting and management of climate issues. This rating places MetLife in CDP’s top quartile “Leadership” category among financial services providers. • Named to the first ever Bloomberg Financial Services Gender-Equality Index. • Recognized by Deloitte and the Alliance for Board Diversity for having one of the most diverse boards of any company in the Fortune 500. • MetLife and MetLife Foundation made $48 million in grants, including $30 million for financial inclusion efforts that help low-income individuals and families get access to safe and affordable financial products and services. Global Impact is prepared in accordance with the latest guidelines published by the Global Reporting Initiative (GRI), the nonprofit organization that sets the standard for sustainability reporting. The GRI Guidelines provide a globally recognized framework for companies to measure and communicate their environmental, economic, social and governance performance. By using this framework, MetLife joins thousands of companies around the world in quantifying the benefits and impacts of its business activities. This year, we are providing an Overview summarizing our efforts along with a more detailed full report. To view either the Overview or the full report, and to learn more about MetLife’s corporate responsibility activities, please visit www.MetLifeGlobalImpact.com. About MetLife MetLife, Inc. (NYSE: MET), through its subsidiaries and affiliates ("MetLife"), is one of the largest life insurance companies in the world. Founded in 1868, MetLife is a global provider of life insurance, annuities, employee benefits and asset management. Serving approximately 100 million customers, MetLife has operations in nearly 50 countries and holds leading market positions in the United States, Japan, Latin America, Asia, Europe and the Middle East. For more information, visit www.metlife.com
Просмотров: 2391 MetLife
Employee Benefits 101: Understanding Your Options
The benefits package offered by an employer is an important consideration and the breath of employee benefits are ever expanding. In this webinar you will learn about: + How to pick the right medical plan for you and your family. + Understanding the importance of making informed benefits choices. + Ways to overcome specific barriers so you can save more for retirement. Presenter: Judy DeCourcey, senior benefits specialist at RIT. Judy is a senior benefits specialist in RIT’s human resources department, where she has worked for over 18 years. She has worked in the employee benefits field for 30 years. Prior to joining RIT, she worked at the Goulds Pumps corporate office in Fairport, N.Y., Massachusetts Institute of Technology, and a large law firm Boston. Judy earned her BS in business management from Skidmore College in Saratoga Springs, N.Y., and her MBA from Northeastern University in Boston. She holds the designation of Senior Professional in Human Resources (SPHR) from the Society for Human Resource Management. more »
Просмотров: 5350 RIT Alumni
Decoding of Corporate Financial Communications: Derivative Instruments, Pensions, Forecasting
Decoding of Corporate Financial Communications Derivative Instruments, Retirement Benefits / Pensions Forecasting Financial Statements Professor Cooperberg June 12th, 2013 To hedge the risk of adverse changes (foreign exchange and interest rates changing, stock prices, etc), derivative instruments are used. It is essentially locking in to an acceptable level (for example a good interest rate). Forward contracts lock into a price that you will owe on a specific day in the future while swaps contracts trade off a fixed interest rate for a variable rate. There are many unique and complex derivatives to meet specific customer needs. Every derivative has certain characteristics (underlying prices, notional amounts, whether or not an initial investment is required). They are recognized on the balance sheet as either an asset or liability, depending on the contract and are revalued to market value (mark to market) each period. The gain or loss sustained on the revaluation immediately goes to either net income or OCI (other comprehensive income). The accumulated amount in other comprehensive income is then transferred to net income periodically. There are three types of derivatives covered. A speculative instrument is made for the purpose of a gain (and is revalued each period and recognized in net income). Fair value hedges are used to protect the value of an asset. Cash flow hedges are used to protect cash flows from the sale of an asset. Fair value hedges and cash flow hedges differ based upon purpose. If not specified as fair value or cash flow hedge, it must be considered a speculative investment. FASB requires disclosures concerning derivatives. For cash flow hedges, the transaction that will cause a gain or loss must be reclassified in net income and that amount must be estimated in the next 12 months. The net amount of gain (or loss) should be included in net income if the hedged commitment no longer qualifies as a fair value or cash flow hedge. Derivatives should be marked to market each period. However, some derivatives won't have active markets and therefore have unreliable valuation (such as ENRON and AIG). Many derivatives can be classified as fair value or cash flow hedges at the firm's discretion. Gains and losses on cash flow hedges effect earnings later than fair market hedges. Effectively hedged firms should have relatively small gains and losses. If a firm has large or highly variable gains / losses, it may be using derivatives ineffectively. Regarding retirement benefits, they accrue during the life of employment and become useful upon retirement. The employer recognizes the cost of these benefits as an expense while the employees work and contribute to revenues. This is usually based on assumptions about employee turnover, future compensation and health care costs, and future interest rates. Pension plans also have separate accounting records. There are two types - defined benefit and defined contribution plans. Defined contribution plans are plans where the employer agrees to contribute a certain amount to a pension fund each period and the amount the employee eventually receives depends on the performance of the fund. A defined benefit plan is one where the employer agrees to make benefits payments upon retirement based upon a formula of wages earned and years of service. Employer should contribute enough to ensure that the benefit plan is funded (invested by a trustee). As assets accumulate, they appear on the pension fund balance sheet (not the firm's balance sheet). Under a defined contribution plan, an employer's obligation is satisfied upon contribution. A defined benefit plan, on the other hand, increases each period. It increases as the employee's salary increases, as the employee moves closer to actually receiving the benefit (the PV increases), and as payments are made to employees, the assets and liabilities of the plan decrease in the amount of the payment. There are several key terms pertaining to pensions, such as VBOs (vested benefit obligations), ABOs (accumulated benefit obligation), PBOs (projected benefit obligation), and actuarial gains / losses. Derivative Instruments: 0:19 Characteristics of Derivative Instruments: 3:02 Accounting for Derivatives: 4:10 Class of Derivatives: 5:08 Fair Value Hedges: 6:17 Cash Flow Hedges: 8:31 FASB required disclosures: 10:26 Accounting Quality Issues: 14:32 Retirement Benefits: 17:11 Pensions (defined benefit plan): 19:15 Pensions (employer's obligation): 22:36 Key Pension Terms: 23:54 Funded Status of Pension Plan: 26:21 Other Post Retirement Benefits: 30:09 Analysts Treatment of Pensions: 30:48 Chapter 10 Begins - Forecasting Financial Statements: 35:28 Forecasting Financial Statements: 43:31 Difficulty of Forecasting: 45:05 Benefits / Results of Forecasting: 46:04 Seven Step of the Forecasting Sequence: 47:04 Practical Tips: 48:00 Step 1 - Projecting Revenues: 52:38
Просмотров: 901 Rutgers Accounting Web
What You Need to Know: The Individual Plan for Employment (IPE)
The VR School to Work Transition program assists youth and young adults with disabilities in achieving meaningful employment, thereby enhancing their independence. The program provides services that help students transition smoothly from high school to education, training, or directly into employment. VR has placed a strong emphasis on the development of social and work skills while youth begin to establish the network of supports they will need after high school. Student participation, with the support of the parent or guardian, is essential to the development of an Individual Plan for Employment (IPE) that outlines a true career path. This presentation will provide information that will empower students and families to: • Navigate the school system to connect with VR, • Understand their role in creating an IPE, • Recognize how an employment goal drives the IPE process, • Identify services and resources that support student transition, and determine and convey when IPE revision are needed. This presentation will inform students and their families regarding what they need to know about the IPE and provide resources to answer any additional questions they may have.
Просмотров: 213 FNDUSA
Retirement in :20 Seconds - Protect Your Retirement Savings
Only a third of Americans have disability income insurance. Learn why that’s important in just 20 seconds. About Voya Financial Voya Financial, Inc. (NYSE: VOYA), helps Americans plan, invest and protect their savings — to get ready to retire better. Serving the financial needs of approximately 15 million individual and institutional customers in the United States, Voya is a Fortune 500 company that had $8.6 billion in revenue in 2017. The company had $555 billion in total assets under management and administration as of Dec. 31, 2017. With a clear mission to make a secure financial future possible — one person, one family, one institution at a time — Voya’s vision is to be America’s Retirement Company®. Certified as a “Great Place to Work” by the Great Place to Work® Institute, Voya is equally committed to conducting business in a way that is socially, environmentally, economically and ethically responsible. Voya has been recognized as one of the 2018 World’s Most Ethical Companies® by the Ethisphere Institute, one of the 2018 World’s Most Admired Companies by Fortune magazine and one of the Top Green Companies in the U.S. by Newsweek magazine. For more information, visit voya.com. Follow Voya Financial on Facebook, LinkedIn and Twitter @Voya.
Просмотров: 186 Voya Financial
Best-in-Retirement Business IMPACT Award™ winner: Alliance Benefit Group of Minnesota & Kansas
Meet the 2014 IMPACT Awards® winner for the Best-in-Retirement Business IMPACT Award™, recognizes an independent retirement plan provider, who understands the unique needs of plan sponsors and/or participants and has developed an innovative approach to serving them. (1114-7289)
Просмотров: 2324 Charles Schwab
5 Ways To Legally Pay Less In Taxes
Be one of the first 500 people to visit http://skl.sh/3minute8 and get your first two months of Skillshare for 99 cents! Erin from Broke Millennial highlights ways to legally reduce how much you pay in taxes. IRA contribution limits https://www.irs.gov/retirement-plans/plan-participant-employee/retirement-topics-ira-contribution -limits IRA deduction limits https://www.irs.gov/retirement-plans/ira-deduction-limits Determining fair market value on clothing donations: https://goodwillnne.org/donate/donation-value-guide/ See if you’re eligible for free filing: https://apps.irs.gov/app/freeFile/jsp/wizard.jsp https://www.irs.gov/filing/free-file-do-your-federal-taxes-for-free 529 Saving Plan tax deduction calculator https://vanguard.wealthmsi.com/stdc.php Broke Millennial Twitter: @BrokeMillennial Instagram: @BrokeMillennialBlog The Financial Diet site: http://www.thefinancialdiet.com Facebook: https://www.facebook.com/thefinancialdiet Twitter: https://twitter.com/TFDiet Tumblr: http://thefinancialdiet.tumblr.com/
Просмотров: 27088 The Financial Diet
Southwest Airlines: Our Purpose and Vision
From our very beginning, Southwest Airlines has been a maverick in the airline and Customer Service industries. We set ourselves apart every single day by delivering our Customers to the places, events, and People that are most important to them. This reason for being is encompassed in our defining statement -- our Purpose: To connect People to what's important in their lives though friendly, reliable, and low-cost air travel. We created this video to bring our Purpose to life through snapshots of interactions that our Employees have had with our Customers. These seemingly everyday situations demonstrate how our Employees go above and beyond to connect People to what's important in their lives.
Просмотров: 392038 Southwest Airlines
Employee's Provident Fund (EPF), New Rules of Withdrawl
Employee Provident Fund (EPF) is a scheme for the benefit of salaried employees after retirement. This fund is maintained by the Government under the Employees Provident Fund Organisation of India which is also known as EPFO. More on new rules of withdrawing EPF and what are tax benefits in EPF... For more videos and udpates visit us at: www.drsakyacurrentaffairs.com and write us at: drshakyacurrentaffairs@gmail.com
Просмотров: 61549 LIFE IS BEAUTIFUL
Northern California Kaiser Physician Retirement Summary
An overview of the retirement plans available to Kaiser Physicians in Northern California Kaiser locations Related Videos: A primer on collecting Social Security Benefits https://www.youtube.com/watch?v=jUgtP... Working with a financial planner https://www.youtube.com/watch?v=4-gWejQ5oZE&t=4s Ever wonder what would happen if your 18-year-old child who you groom to go to college decides to take a shot at being in a band instead of your alma mater? Click the link below to see an often overlooked option. https://www.youtube.com/watch?v=kATSI... For Business Inquiries: rschultz@nwfadvisory.com For Financial Advice: http://robschultzwealth.com Rob's Social Media: https://www.linkedin.com/in/robert-sc... http://www.facebook.com/pages/Robschultzwealth/348653711908080 https://twitter.com/rschultzwealth About Rob Schultz: Rob Schultz has developed a practice of working with established physicians who are now located throughout the country. He began working with physicians over 10 years ago, providing financial advice and services from residency through retirement. He has developed trusting relationships that mature with their growing practices. As a recognized and frequent speaker at residency programs in Southern California, San Francisco, Nevada, and Arizona, Rob is always current on the challenges facing physicians. Financial plans are unique to each physician and his or her area of practice. The typical client relationship encompasses a comprehensive initial meeting to assess the client's goals and needs. Recommendations are made to lead the client down the path of accomplishing those objectives. A comprehensive investment plan is then implemented and risk management analysis is performed. After the initial planning, ongoing monitoring is recommended to keep up with changing market conditions, tax code, and the client’s personal situation.
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Public Union: Public Enemy
Public-sector unions have been gaming the political system for decades, bankrupting whole cities and plunging states into massive debt. How did this happen and can it be stopped? Akash Chougule, senior policy fellow for Americans for Prosperity, has the answers in this sobering video from Prager University. Donate today to PragerU! http://l.prageru.com/2eB2p0h Get PragerU bonus content for free! https://www.prageru.com/bonus-content Download Pragerpedia on your iPhone or Android! Thousands of sources and facts at your fingertips. iPhone: http://l.prageru.com/2dlsnbG Android: http://l.prageru.com/2dlsS5e Join Prager United to get new swag every quarter, exclusive early access to our videos, and an annual TownHall phone call with Dennis Prager! http://l.prageru.com/2c9n6ys Join PragerU's text list to have these videos, free merchandise giveaways and breaking announcements sent directly to your phone! https://optin.mobiniti.com/prageru Do you shop on Amazon? Click https://smile.amazon.com and a percentage of every Amazon purchase will be donated to PragerU. Same great products. Same low price. Shopping made meaningful. VISIT PragerU! https://www.prageru.com FOLLOW us! Facebook: https://www.facebook.com/prageru Twitter: https://twitter.com/prageru Instagram: https://instagram.com/prageru/ PragerU is on Snapchat! JOIN PragerFORCE! For Students: http://l.prageru.com/2aozfkP JOIN our Educators Network! http://l.prageru.com/2aoz2y9 Script: How would you like to fund politicians with whom you strongly disagree? Not interested? How about if I… forced you? How would I do that? Well, what if I said, “If you don’t pay, you lose your job.” For decades, millions of state and local government workers—police, firefighters, teachers, and others—have been forced to make that choice. And who forces them? Public-sector unions; that is, unions who represent public-sector employees. How? It’s pretty straightforward. First, they demand employees pay hundreds of dollars in union dues as a condition of employment—meaning if they don’t pay, they get fired. Next, they use that money to support and elect union-friendly politicians. Then they negotiate contracts with those same politicians—kind of like negotiating with yourself. It’s a sweet deal—unless you’re a worker who doesn’t agree with those union-friendly politicians. Or the taxpayer who has to foot the bill for those union contracts. This game plan is not a secret. Here’s what the American Federation of State, County, and Municipal Employees say on their website: "We elect our bosses, so we've got to elect politicians who support us and hold those politicians accountable." These perverse incentives might help explain why, for most of American history, pretty much no one thought that unionizing government workers was a good idea. This includes liberal icon President Franklin Roosevelt. Roosevelt was a very strong supporter of private-sector unions, but a very strong opponent of public-sector unions. Here’s what he said on the subject in 1937: “All Government employees should realize that the process of collective bargaining…cannot be transplanted into the public service...” Roosevelt recognized that public-sector unions could hold the government hostage at will. They could simply threaten to walk off the job if they didn’t get what they wanted. Sanitation workers, for example, could put public health at risk by refusing to collect the garbage. Other public employees would have similarly disruptive power. This was, Roosevelt believed, “unthinkable and intolerable.” In 1943, New York state’s highest court agreed, calling government unions “not only incompatible with the spirit of democracy, but inconsistent with every principle upon which our government is founded.” In the late 1950s, New York City and Wisconsin defied this view and allowed their public employees to unionize. But it was President John F. Kennedy who opened the floodgates. In order to win the support of union leadership in the 1960 presidential election, he promised to allow federal employees to unionize—and fulfilled that promise with Executive Order 10988 in 1962. It was a shrewd political move, but a bad deal for the country, and its consequences are still being felt today as public-sector unionization spread rapidly in the decades that followed. Today, unions wield tremendous power in government. Try to fire a poor-performing government worker in New York City or Los Angeles. Or almost any unionized government employee anywhere. It’s extremely difficult—if not impossible—no matter how incompetent they might be. According to one union contract in Michigan, employees could be caught drunk at work five times before being fired. For the complete script, visit https://www.prageru.com/videos/public-union-public-enemy
Просмотров: 3650699 PragerU
Human Resources : Tips for Motivating Employees
Motivating employees can be as simple as recognizing the employees each day and being friendly to them. Thank an employee for a job well-done with help from a certified personnel consultant in this free video on human resources. Expert: Pat Goodwin Contact: www.PatGoodwinAssociates.com Bio: Pat Goodwin is a certified personnel consultant and a career transition consultant who has worked with hundreds of individuals over the past 20 years. Filmmaker: Todd Green
Просмотров: 42173 eHow
Tyler and Camille used VA employment benefits to start a new phase of their life in California.
Thanks to U.S. Department of Veterans Affairs (VA) employment services, Navy Veterans Tyler and Camille are looking forward to a bright future in California. http://Explore.VA.gov Explore the benefits VA has to offer and apply today.
Просмотров: 8038 U.S. Dept. of Veterans Affairs
Work With Evergreen Treatment Services!
Evergreen Treatment Services (ETS) is a great place to work! Employees at ETS work collaboratively to provide excellent patient care and support services in a highly ethical and professional manner. ETS encourages work life balance and a healthy lifestyle through a comprehensive package of benefits including paid time off, medical and dental coverage, and an employee assistance program. ETS highly values creativity and recognizes employees for exceptional job performance. Benefits include: competitive salaries, medical and dental benefits, eleven paid annual holidays, a 403(b) retirement investment plan, two weeks paid vacation in the first year, opportunities for advancement, and a friendly work environment.
Просмотров: 346 Evergreen Treatment Services
Cafaro Greenleaf
Cafaro Greenleaf is an award-winning leader widely recognized as a pioneer in the retirement plan industry. Our exclusive focus on corporate plans and public pensions is what set us apart from other investment advisors. Visit our website: www.cafarogreenleaf.com
Просмотров: 332 Cafaro Greenleaf
Employer Liable for Job Discrimination When a Biased Supervisor Influences a Discharge Decision
What does a 17th century fable by French poet Jean de la Fontaine have to do with job discrimination? In "The Monkey and the Cat," a monkey tricks a cat into scooping chestnuts out of a fire, leaving the gullible cat with nothing more than singed paws. Under fair labor laws, this scenario generally describes a situation where a decision maker is unwittingly manipulated into making a wrongful termination. Drawing the parallel between la Fontaine's fable and discrimination law, an employer (the cat) is liable for the bias of an employee, usually but not always a supervisor, who played no role in the decision, but nevertheless exerted some degree of influence (the monkey). In this case, Vincent Staub brought his claim under the Uniformed Services Employment and Reemployment Act (USERRA), which, among other things, protects those in military service from discrimination upon their return to employment from active duty. Staub had been a long-time employee of Proctor Hospital before being called upon to serve in Iraq. Many at the hospital were critical of Staub's military service because of the strain it put on those who had to cover from him in his absence. When the Vice President of HR, who held no hostility towards Staub, terminated him, he sued, claiming that although the decision maker was not personally biased against his military service, she fired him based on the hostility of Staub's direct supervisors, as evidenced by critical and hostile statements that they made to him and unfair discipline. Staub prevailed at trial but the circuit court of appeals reversed the jury verdict, holding: "[W]here an employee without formal authority to materially alter the terms and conditions of a plaintiff's employment nonetheless uses her 'singular influence' over an employee who does have such power to harm the plaintiff for racial reasons, the actions of the employee without formal authority are imputed to the employer.... [W]here a decision maker is not wholly dependent on a single source of information, but instead conducts its own investigation into the facts relevant to the decision, the employer is not liable for an employee's submission of misinformation to the decision maker." In other words, under the circuit court's analysis, the cat (employer) must be directly duped by the biased monkey (supervisor) to hold the employer liable for the discrimination of non-decision makers. The Supreme Court did not take such a narrow view and reversed the court of appeals. USERRA, like other federal fair labor statutes, prohibits employment discrimination because of military service. To establish discrimination under these laws, the employee must demonstrate that military service (or race, color, religion, sex, national origin, age, disability, etc.) "was a motivating factor" for and employment practice, even though other factors may have motivated the practice. When an employer makes the decision to take an adverse employment action is personally acting out of hostility to the employee's membership in or obligation to a uniformed service (or any other protected class), a motivating factor obviously exists, the court noted. But the situation gets clouded when a biased supervisor is distinct from the ultimate decision maker. In this case, the Supreme Court suggests that the court of appeals rule that the biased supervisor be a "singular influence" over the decision maker is too strict. Instead, the evidence could show a biased supervisor's action to be a "causal factor" in the decision. Thus, a supervisor that recommends a discharge may cause the discharge, even though he didn't make the ultimate decision. In short, a biased supervisor can taint the decision of another and thus constitute a motivating factor of the discrimination. Staub v. Proctor Hospital. Case Law Summary March 2011
Просмотров: 13437 Employers Association of New Jersey
Retirement Planning | Financial Advisor in CT
Are you worried about outliving your money in retirement? Are you concerned about how your lifestyle may be impacted by soaring healthcare costs, market volatility, or rising prices? Do you have a strategy in place to generate the income your family needs to sustain a comfortable retirement, in any economy? You worked hard to build your wealth. That’s why, when it comes to your retirement, you deserve to work with a financial advisor who goes beyond the performance of your investments. You deserve a financial plan that clearly lays out strategies to not only put more money in your pocket, but also address the 15 risks to your family’s lifestyle. Our team of experienced and knowledgeable CERTIFIED FINANCIAL PLANNER professionals will assess how well you’re managing these 15 risks using our Lifestyle Sustainability Scorecard. You’ll get answers to critical retirement planning questions such as: How much can you afford to spend each year without outliving your assets? What types of investment accounts should you own to minimize your income taxes? How can you generate income from your portfolio and continue to grow your wealth? When should you claim Social Security to maximize your benefits? When you work with Reby Advisors, you’ll get a financial plan that’s customized to your family and your lifestyle goals. Our mission is to inspire you to achieve financial peace of mind. We have been in business since 1985, and Barron’s has recognized us as one of America’s Top Financial Advisors. If you would like advice on the best strategies for you to achieve and sustain a comfortable retirement, we would love to speak with you. Contact us today by following the instructions on this page. One of our financial advisors in CT, NY, or FL will reach out to you shortly. [The below disclaimers would be shown on the page but not spoken] Securities offered through Triad Advisors. Member FINRA/SIPC. Advisory services offered through Reby Advisors. Reby Advisors not affiliated with Triad Advisors. *The formula Barron's uses to rank advisors is proprietary. It has three major components: assets managed, revenue produced and quality of practice. Investment returns are not a component of the rankings because an advisor's returns are dictated largely by the risk tolerance of clients. The quality-of-practice component includes an evaluation of each advisor's regulatory record.
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A Healthy Retirement
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BSN Headline News for June 2, 2014
Today's tops story is the Gallup Great Workplace Award. Earlier this year we told you about Bon Secours winning the Gallup Great Workplace Award for the third year in a row. The Gallup Great Workplace Award honors organizations whose employee engagement results demonstrate they have the most productive and engaged workforces in the world. Today we want to tell you that Bon Secours has actually won more awards from Gallup. Now Bon Secours has won Gallup's "Essence of Engagement" Award and the Gallup Manager of the Year award. The Essence of Engagement Award is a newly created category that recognizes organizations that demonstrate the epitome of an engaged culture and where engagement permeates throughout the organization. That of course is Bon Secours. Next, did you know that Ingrid Manley, Director of Bon Secours' Enterprise Information Services Support Center was named a finalist for the first-ever 2014 Gallup Manager of the Year Award? Ingrid has worked for Bon Secours Health System since 2007 and every year under her leadership, her department has surpassed the 90th percentile ranking for employee engagement. Our hats are off to Ingrid and the entire Enterprise Information Services Support Center. Of the awards CEO Rich Statuto is quoted as saying, "At Bon Secours Health System, we know that engaged employees are critical to quality patient care, high levels of patient satisfaction, and excellent financial results. I see the tangible differences our engaged employees make every day. Winning the Gallup Great Workplace Award for three years running and now, winning the first-ever "Essence of Engagement" award confirms again that Bon Secours is a great place to work." Bon Secours accepted the awards on May 14 at the Gallup Spring Summit in Omaha, Nebraska. Pictured here at the event are Tim Davis, BSHSI Chief Administrative Officer, Ingrid Manley, Director of Bon Secours' Enterprise Information Services Support Center, Sandra McMillian-Aljami, Director of Service Excellence, and Skip Hubbard, BSHSI Chief Information Officer. Bon Secours Health System is a great place to work and we have the results to prove it. The Gallup Geat Workplace Award...the Gallup Essence of Engagement Award...and the Gallup Manager of the Year Award. Please join us in congratulating...well...each other...for being among the most productive and engaged work cultures in the world. In other news, in our continuing series on the Bon Secours values, today our focus is on compassion. Bon Secours feels that compassion means experiencing empathy with another's life situation. Compassion is being with another as well as doing for them. This "being with" allows persons to experience acceptance, concern, hopefulness, and sensitivity. Compassion BEHAVIORAL NORMS include... • Exhibit a positive, hopeful, supportive attitude which is sensitive to the burdens and suffering of others. • Be with and empathize with those who suffer. • Treat others as you would want a member of your family or yourself to be treated. • Demonstrate care and concern in interactions with others. • Accept the humanness of others recognizing our inter-dependence. • Put service to others above self interest. • Provide an environment, including systems and structures, which are sensitive to the needs of the people we serve. • Provide, or refer persons to, supportive services which meet their spiritual emotional and physical needs. That's compassion...just one of the values of Bon Secours. Finally, regardless of where you are in your career, Bon Secours knows that retirement is an important part of your long term goals. That's why it is important for you to know that the transition to Fidelity Investments brings a change to retirement savings plans. Didn't know that BSHSI was transitioning to Fidelity? ...well, listen up. Fidelity Investments will become the new service provider for the Bon Secours Retirement Savings Plans in July. Fidelity Investments will replace VALIC. As part of this transition, those contributing to their 403(b) or 401(k)s... your retirement accounts...will only be able to designate a whole percentage of your pay as a contribution to your retirement account. So if you've designated a specific dollar amount or a fractional percentage amount...Fidelity will round down to the nearest whole percentage during the transition. Now, if your current election is already a whole percentage, there is no change. Also, to avoid the automatic conversion of your contribution, you can change to a whole percentage now. But do it before the July 8th transition date. To change your contribution election contact VALIC toll free at (877) 375-2422 before 4:00 p.m. on Tuesday, July 8th. You can also go online at VALIC.com. Now, additional details about the transition to Fidelity will be provided in a transition packet and that packet will be mailed to you in early June.
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IMPACT Awards® Winner for Best-in-Retirement Business IMPACT Award™: Conrad Siegel Actuaries.
Meet the 2015 IMPACT Awards® winner for the Best-in-Retirement Business IMPACT Award™, recognizes an independent retirement plan provider, who understands the unique needs of plan sponsors and/or participants and has developed an innovative approach to serving them. (1115-6619)
Просмотров: 300 Charles Schwab
Proactively Managing Your Pension Plan’s Unfunded Liability
This webinar provides public agency employers with various options to manage their unfunded accrued liability (UAL) balance and communicate the benefits of making more than the required UAL contribution payment.
Просмотров: 677 CalPERS
Timeliness of Employee Contributions
Withum ERISA Team Members, Sean Linde and Kevin McElgunn, discuss the importance of timeliness of deposits. The information presented in this video is not necessarily all inclusive, does not constitute legal, tax or any other advice, and should not be relied upon without first consulting with appropriate qualified professionals for your individual facts and circumstances. © 2017 WITHUMSMITH+BROWN, PC. All rights reserved. This video may not be copied in whole or part.
Просмотров: 179 Withum
Big G Express Carrier of the Year Awards
Big G Express has been awarded Carrier of the Year for Continental Mills and O-I (Owens-Illinois) for 2013. These two awards are a testament to Big G's commitment to customer service and on time delivery. It is an honor to be recognized by our customers and we are thankful for the commitment of the Big G Express employee owners who work together to provide excellent service to our customers.
Просмотров: 276 BigGExpressInc
Top changes in IFRS 2013 and 2014
http://www.ifrsbox.com The year 2013 started off with some really significant IFRS amendments that you need to take into account when preparing your IFRS financial statements as at 31 December 2013. Top 5 changes are: #1: Changes in IAS 19 Employee benefits 1.1 New accounting treatment of defined benefit plans in line with IAS 19 Employee benefits Entities no longer apply corridor method for recognizing actuarial gains or losses arising in accounting for defined benefit plans. All remeasurements are fully recognized to other comprehensive income. 1.2 Accounting treatment of termination benefits Termination benefit is simply a benefit received for terminating the employment before the normal retirement date (given certain conditions are met). Here, nothing much changed, but the standard IAS 19 now makes it clearer that when employees need to provide future service in order to get the benefit, then it is NOT a termination benefit. 1.3 Other changes to IAS 19 Employee benefits Apart from the above mentioned changes, there are a few other things to watch out: • Past-service cost related to unvested benefits is recognized immediately after plan amendment and is no longer spread over a future-service period. • We shall be using pre-tax rate (not post-tax rate) in order to discount benefits to their present value. • You need to present slightly more disclosures and the split of benefits than before. #2: New standard IFRS 13 Fair Value Measurement in place Before IFRS 13, guidance on determining the fair value was all over the place: in IAS 39 for financial instruments, in IAS 40 for investment property, in IAS 2 for inventories, etc. Often this guidance was very conflicting and therefore, we have a single standard for fair value measurement. Now, if you see reference to fair value in any other standard, you should be heading to IFRS 13 Fair Value Measurement for its determination. Please watch the video about IFRS 13 here http://www.youtube.com/watch?v=gwjJOBtYUSU #3: New standard IFRS 10 Consolidated Financial Statements IFRS 10 is a completely new standard dealing with the consolidation and it is applicable for the periods starting 1 January 2013 or later. Before 2013, the standard IAS 27 dealt with these issues, but IFRS 10 replaces this part of IAS 27. Currently, you should apply IAS 27 only for the separate financial statements. The main change of IFRS 10 is the new definition of a control. New concept of investment entities This is the change applicable for annual periods beginning on or after 1 January 2014, so you will deal with that at your 2014 closing. IFRS 10 introduces a concept of an "investment entity". An entity must carefully assess whether it meets the definition of an investment entity or not. So if an entity meets the definition of an investment entity, it DOES NOT consolidate its subsidiaries in line with IFRS 3 when it obtains control of another entity. #4: New standard IFRS 11 Joint arrangements IFRS 11 effectively replaces IAS 31 and brings completely new definition of joint control. Also, IFRS 11 removes 3 categories of joint arrangements and sets only 2 of them: • Joint operation • Joint venture Here's the biggest change: proportionate consolidation method permitted by IAS 31 for accounting joint ventures is no longer permitted. #5: New standard IFRS 12 Disclosure of interests in other entities In addition to disclosures about your subsidiaries, associates or joint ventures, you need to disclose lots of information about your interest in other entities too. If you liked this video, please visit http://www.ifrsbox.com and subscribe to our IFRSbox community. Thank you!
Просмотров: 8306 Silvia M. (of IFRSbox)
Lazy Money Isn’t Working for You - Right in the Money – Part 5 of 5
Sub Headline: Lazy Money Isn’t Pulling Its Part in Your Weighted Portfolio Synopsis: Money market funds, CDs and savings accounts were the safe money havens of the past. But today, they’re crediting rates are so low, taxable and eroded by inflation. You worked hard for your money, so you need to make your money work hard for you. Watch the interview with retirement specialist John Glowacz. Content: Using the Rule of 72 to calculate when your money will double is a way to gauge the laziness of your money. If your money market is crediting .2 percent, it will take 360 years to double. If your jumbo, long-term certificate of deposit is crediting 3 percent, it will take 24 years to double. These returns are not acceptable, but people accept them because their money is safe. If safety could be achieved, then lazy money could be changed into working money. Here’s an example of safe money that uses the tax advantages of single premium life insurance, the investment methodology of indexing and living benefits. Many insurance products use the S&P 500 Index, but there are several domestic indices that use Wall Street-recognized indices like the Goldman Sachs Dynamo Strategy Index. The convergence of big name firms and insurance companies continue to produce new solutions to old problems that many retirees face. The Goldman Sachs Dynamo Strategy Index is a multi-asset indexed inside a single premium life insurance company EquiTrust. Although the single deposit is not directly invested in the Index, index credits are linked to returns of the Index to deliver high-risk, adjusted returns combining Modern Portfolio Theory and the principles of Momentum–Based Investing. (You can order the full explanation online.) Like many indexed insurance product lines, your deposit participates in the upside potential of the market (not including dividends) and is protected from the market’s downside risk. The earnings accumulate tax deferred and the death benefit would pass tax-free to your beneficiaries if you’re under the unified credit threshold. The death benefit also avoids probate. There are living benefits as well that could cover chronic care, nursing home confinement and terminal illness. In addition, you can access cash values via policy loans or withdrawals of basis. Loans may be available, but a waiting period may apply depending upon your state residence. Withdrawals are permitted of up to 5 percent without a surrender charge. Keep in mind gains in the policy are subject to ordinary income tax at your effective tax bracket. This option may be an alternative for your lazy money. You’ll need to discuss your situation with your financial advisor or insurance professional to determine suitability. Syndicated financial columnist Steve Savant interviews retirement specialist John Glowacz. Right on the Money Show is an hour long financial talk distributed to 280 media outlets, social media networks and financial industry portals. (www.rightonthemoneyshow.com) https://youtu.be/9Tp1Y6Jcask
Просмотров: 1258 Right On The Money Show
Social Security Congress changes could affect your retirement strategy
A lot of the recent political debates have talked about Social Security. What is the issue? What happened to the “surplus” all those years? Watch Szarka Financial’s Senior Financial Advisor Alex Menassa, MT, CPA discuss these issues with Fox 8 News Anchors Stefani Schaefer and Gabe Spiegel. Securities offered through Registered Representatives of Cambridge Investment Research, Inc., a Broker Dealer, member FINRA/SIPC. Advisory Services through Cambridge Investment Research Advisors, Inc., a Registered Investment Adviser. Cambridge and Szarka Financial are not affiliated. Fixed Insurance services offered through Szarka Financial.
Просмотров: 18 Szarka Financial
Older Americans Act Overview
TO USE OR PRINT this presentation click : http://videosliders.com/r/992 ============================================================== Virginia Department for the Aging Older Americans Act Overview ,CONSUMERS CONSUMERS CONSUMERS Federal Executive Branch U.S. Department of Health and Human Services Administration on Aging Tribal Organizations (244) State Units on Aging (56) Area Agencies on Aging (655) Local Service Provider Organizations (29,000) ,Older Americans Act (OAA) 1965 Great Society Legislation OAA has be reauthorized 16 times 2006 amendment authorizes the Act for 5 years through 2011 Requires VDA to Advocate (Not Lobbying) for Older Individuals Advocacy or Advocate is mentioned 26 times President Johnson signing the OAA in 1965 ,Older Americans Act (OAA)History 1965 Administration on Aging (AoA) created 1969 Created nine national model demonstration projects – such as Senior Services of Southeastern of Virginia 1972 Established national nutrition program (meals) 1974 Added transportation 1978 Mandated Long-Term Care Ombudsman Program to serve as a visible advocate for the elderly 1981 Emphasized supportive services to help older persons remain independent in the community 1992 Added "Vulnerable Elder Rights Activities” 2000 Created the National Family Caregiver Support Program ,Older Americans Act (OAA) Title I: Objectives / Definitions Adequate Income Best Possible Physical and Mental Health Suitable Housing Institutional & Community Based Long-Term Care Employment Without Age Discrimination Retirement in Health, Honor, Dignity Participate in Civic, Cultural, Educational Activities Community Services such as Transportation Education About Sustaining and Improving Health Protection From Abuse, Neglect, and Exploitation Title II: Administration on Aging Authorizes, Organization, and Finances ,Older Americans Act (OAA) Title III: State and Community Programs Part A: Purpose Max Independence and Dignity Remove Individual and Social Barriers Continuum of Care Managed In-home and Community Based Long-Term Care Services State Units on Aging (SUA) Develop and Administer State Aging Plan Advocate for Older Individuals Designate Area Agencies on Aging (AAAs) Establish Policies, Procedures, Service Standards Provide Technical Assistance Area Agencies on Aging (AAA) Develop and Administrator Local Aging Plan Establish Advisory Council Provide Services Establish Focal Points to Provide Services Facilitate Coordination of Community Long-Term Care Services Part B:Support Services & Senior Centers Community Based Services and In-Home Services: adult day care, checking (reassuring contact), chore, homemaker, personal care, residential repair and renovation. Access Services: care coordination, information and assistance, transportation. Part C: Nutrition / Meals Subpart 1: Congregate (Group) Subpart 2: Home Delivered Part D: Disease Prevention and Health Promotion Part E: National Family Caregiver Support Program ,Older Americans Act (OAA) Title IV: Activities for Health, Independence and Longevity Demonstration Grants / Programs Alzheimer’s Disease Grants Aging & Disability Resource Center Grant Project 2025 Title V: Community Service Senior Opportunities Act Older American Community Service Employment Program Department of Labor National Contractors Title VI: Native Americans Federally recognized American Indian Tribes Native Hawaiian Program Title VII: Vulnerable Elder Rights Protection Activities Ombudsman Elder Abuse, Neglect and Exploitation State Legal Assistance Development ,History of AAAs 1969 OAA amendment created model demonstration projects across the nation. Southeastern Virginia Areawide Model Project (SEVAMP) – Senior Services of Southeastern VA was one of the original nine. 1972 OAA amendment created the nutrition program. Funds from this program allowed Virginia to establish a congregate meal program in the 25 planning districts. 1973 OAA amendment called for the creation of the AAAs. Regions of the state (generally by planning district) developed a plan for their area.
Просмотров: 840 slide show me