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If none of these sound like you, you probably don't need life insurance for your entire life and a low cost term policy would likely suit you just fine.
3) Do the tax benefits outweigh the costs?
When you purchase permanent life insurance, part of your premium goes into a cash value account that can grow based on policy dividends, interest, and/or earnings from mutual fund-like sub-accounts. Each policy is different so make sure you understand the particulars of how it works before you buy it (like any investment). The main advantage is that you can borrow from this cash value for things like retirement or education expenses without paying taxes on it.
So what's not to like? First, some of these sub-account investments involve risk and you may be required to add additional dollars to keep the policy going if the investments don't do well. There's a good chance that will be during tough economic times when extra money might be scarce. Second, there are a lot of fees and expenses that could eat quite a bit into your returns so make sure you know what all those costs are.
To figure out whether it's a good deal for you, compare it to purchasing a lower cost term policy and investing the premium difference somewhere else like your 401(k) or an IRA. For example, a recent Helpline caller said that she was quoted an annual premium of about $8,700 for a permanent policy. She could purchase the same amount of term insurance for 30 years for only about $700 a year. If the investments in the permanent policy earned 8% over 30 years, it was projected to grow after expenses to about $600,000, some of which could be borrowed tax-free. That sounds great but investing the $8,000 difference in a Roth 401(k) with the same 8% return (but without the higher expenses) would provide her about $980,000 all tax-free after 30 years. I don't know about you but I could certainly use an extra $380k for my retirement.
As you can see, the benefits of using permanent life insurance as an investment can be significantly outweighed by the costs. It's always a good idea to run the numbers for yourself though because each person's situation is different. For example, if you're in a very high tax bracket and you've maxed out all your retirement plan contributions, the tax benefits of a permanent life insurance policy would be more valuable to you.
Back East brewery unveils can rebrand | HartfordBusiness.com . New to the site? Click here to register.
New Back East Brewing cans will be shipping into the market and available at its Bloomfield tap room during December.
One of the earliest Connecticut breweries to can its craft beer has unveiled a new look.
Bloomfield's Back East Brewing Co. has redesigned the cans for its three core beers, Back East Ale, Misty Mountain IPA and Porter, which it began canning more than five years ago.
"When these cans originally came out in early 2013, there was only one other brewery in Connecticut who was putting their beer in cans," co-founder Edward Fabrycki Jr. said in a statement. "Clearly consumers have shown their preference for canned beer."
Back East said it nearly tripled its brewing capacity this year at its Bloomfield facility at 1296 Blue Hills Ave.
Workers’ annual pay has hardly increased in 10 years when inflation is taken into account, the national statistics agency CBS said on Friday.
In 2007 the median annual income of someone on a fixed contract was €34,100 but by 2017 that had risen by just over €1,000 to €35,200, the CBS said.
At the same time, the median income of someone who is self-employed rose just €500 to €28,000, the CBS said.
Men have a far higher median income than women – €42,300 compared to €27,100 – but this is largely due to women working part time. And there is little difference in male and female income up to the age of 25.
Median income is not the same as average salary. It refers to the amount that divides the income distribution into two equal groups, half having income above that amount, and half having income below that amount.
Its turning out to be a big year for celebrations among the computing fraternity. Last month the IBM PC turned 25, and today Australia's first high-speed computer marked its 50-year anniversary.
The University of Sydney, home of the SILLIAC computer, was the first institution to bring high speed computing to Australia, kicking off an IT revolution.
Constructed by the School of Physics, the SILLIAC and its power supply filled up two rooms. It performed its first successful scientific calculation on July 4, 1956, but was not officially declared "open" until September 12 that year.
Barry de Ferranti, one of the pioneers involved in its construction credits the SILLIAC with "launching the IT revolution in Australia".
"Previously if you wanted to do computation you had to do it on a desktop adding machine. What we were looking for was a high performance means of carrying out detailed calculations for physics and other research around campus," he said.
Although the SILLIAC was the Australian version of the University of Illinois' ILLIAC, he said it went on to supersede the capabilities of the US prototype.
He described the main cabinet of the computer as about 10 feet high, 3 feet deep and 15 feet long with glass panels at the front and light switches that indicated what was going on inside.
"Some calculations took hours to complete and SILLIAC ran seven days a week, around the clock," he said, adding that the computer had a 5Kbyte memory and conducted computations on paper tape at a rate of 1000 characters per second.
"We did some remarkable things on it. A veterinary physiologist who was doing research project posed the question asking how much the winnings of racehorses depended on their physiological measurements. One of things that came out of it was that the size of the heart was pretty important," he said.
And it wasn't only the University that ended up benefiting from the newly unleashed processing power, said Mr de Ferranti.
"What happened was that Government, industry and commerce began to ask what they could do with a computer. We were able to help them identify their problems, and get them working these out on the computer," he said.
One such project was established by the Postmaster-General's Department (the predecessor to Australia Post) which set up the first computer payroll in the country for unofficial post masters.
"We also did interesting things with Woolworths, Snowy Mountains Hydro-electric and Banks and Gas companies. This led to them getting their own computers," he said.
The SILLIAC ran until 1968 when it was replaced by faster and bigger machine.
"Sadly it was then broken up into pieces with some now at the Powerhouse and others on display at Sydney University," said Mr de Ferranti.
The anniversary celebrations will comprise a Symposium on Computing of the Future on Wednesday, in which academics and guest speakers will present on a number of technology related topics.
FLIGHT, 20 October 1949 CIVIL AVIATION NEWS • ^ the most pronounced improvement was on the Glasgow service where a 48 per cent increase over the September, 1948, figures was recorded. During August the Paris service broke all pre- vious records, but, resisting the normal seasonal drop, the September figure exceeded the August total by 7J per cent. The Dublin-Jersey route, which closed on October 2nd, carried 880 passengers on the weekly service during the four 521 months of operation. Unexpectedly heavy traffic caused tenof the Sunday services to be duplicated. With the introduc- tion of reduced winter fares, traf/fc on all routes was heavyat the beginning of October. On October 2nd, the first day of the new ^4 return fare between the Isle of Man andDublin, the demand was so heavy that an extra service had to be provided. In contemplation of continued demand thisroute will be flown throughout the winter, for the first time since it was inaugurated by the company in 1936. BREVITIES pALMEITFONTEIN Airport, Johannesburg is being equipped A with I.L.S. blind approach aid, manufactured in this country by Pye, Ltd. Similar equipment will later be in- stalled at Wingfield Airport, Cape Town. * . * • It is understood that a 50-passenger flying-boat service be- tween Hall and Falmouth is to be started on October 22nd, operated by Davies, Turner and Co., Ltd. * * • According to the annual report of the New Zealand National Airways Corporation, recently tabled in the House of Representatives, that airline lost ^265,101 during its last finan- cial year. The loss was attributed to long road-haulage costs, three aircraft accidents which adversely affected passenger traffic, and the necessity for employing five different types of aircraft over the internal routes. • • • Mr. G. R. McGregor, president of Trans-Canada Air Lines, said, on his recent return from London, that the devaluation of the Canadian dollar would make necessary no increases in domestic fares and rates. There would be little or no change in fares between Canada and the U.S., but international fares to the sterling area would be increased by approximately 10 per cent, and fares quoted in sterling from sterling areas to Canada would increase approximately 25 per cent. These new rates would be subject to the approval of the Canadian Air Transport Board. • # * Acting on a recent I.A.T.A. resolution, Swissair now grants fare reductions of 50 per cent, under certain conditions, to schoolchildren "between the ages of 12 and 21. The concession applies to return nights over the entire network of the com- pany's routes with the exception of the Switzerland-New York sendee, for which the reduction is 35 per cent. * * »The introduction of second-class fares for the Gold Coast Accra-Kumasi service has been announced by West African Air-ways Corporation. Bristol 170s, with seating capacity for 52 passengers, are being used. * * » Malayan Airways, Ltd., has extended to Sandakan the twice-weekly Kuching-Labuan-Jesselton service. The new schedule commenced on October 5th after successful proving flights hadbeen made on September 2nd and 3rd. * * # On October 26th, S.A.S. are to start a fortnightly service be-tween Stockholm and Bangkok, via Copenhagen, Zurich, Rome, Damascus, Karachi and Calcutta. Operated with DC-6 air-craft, the service takes 39 hours, with no over-night stops. * # * Although as yet unconfirmed, it has been reported that B.E.A. are to introduce family-fares, experimentally, on the London-Scottish routes during the winter period. The scheme, which has proved such a ruccess in America, is designed to in- crease traffic during the off-peak season. Details of the arrange- ments are said to be forthcoming at the end of this month, but it is expected that wives travelling with their husbands will travel at reduced fares, and the half-fare concession for children will be extended to include 15-year-olds. » * * The Canadian Bureau of Statistics has reported that sche- duled Canadian airlines showed an increase of 21.6 per cent in REPEATING HISTORY : As reported in FVghi last week, K.LM. celebrated its 30th anniversary on October 7th. In the photograph (right) taken at London Airport prior to their departure for Amsterdam are (left to right) : Mr. George Young, K.L.M. U.K. Regional Technical Officer ; Capt. H. "Jerry" Shaw, K.L.M.'s first pilot (now with Shell Aviation) ; and Mr. H. B. Rhodes who is one of the two passengers carried on the first flight from Croydon to Amsterdam 30 years ago. Capt. H. Spry Leverton, K.L.M. Regional Director for the United Kingdom, is on the extreme ::.t. The scene at Schiphol on the completion of that flight is depicted below: Capt. Shaw, wearing flying helmet, is in the centre and Mr. Rhodes identifies himself as " the man in the bowler hat to the left of the uniformed officials." Dr. Albert Plesman, President of K.L.M., is standing by the wing of the aircraft on the extreme right of this photograph.
HOUSTON & DALLAS & PHILADELPHIA--(BUSINESS WIRE)--Phillips 66 (NYSE: PSX), Energy Transfer Partners, L.P. (NYSE: ETP) and Sunoco Logistics Partners L.P. (NYSE: SXL) announced that they have formed a joint venture to construct the Bayou Bridge pipeline that will deliver crude oil from the Phillips 66 and Sunoco Logistics terminals in Nederland, Texas, to Lake Charles, Louisiana. The joint venture will also launch an expansion open season for service to the market hub in St. James, Louisiana. Phillips 66 holds a 40 percent interest in the joint venture and Energy Transfer and Sunoco Logistics each hold a 30 percent interest. Sunoco Logistics will be the operator of the system.
Construction is underway on the Nederland to Lake Charles segment of the pipeline, which will be 30-inch diameter and is expected to begin commercial operations in the first quarter of 2016. The companies will also launch a binding expansion open season to assess additional shipper interest for service with connectivity to existing terminal infrastructure and refineries in and around the St. James area. The results of the expansion open season will be used to determine the size of the pipeline to St. James, which has a forecasted in-service date of the second half of 2017.
The binding expansion open season will commence in the third quarter of 2015. Bona fide potential shippers that would like to receive copies of the expansion open season documents, the throughput and deficiency agreement, and proposed tariffs must first sign a confidentiality agreement. More information about the open season will be available on the ETP website at www.energytransfer.com/ops_lc_sj.aspx upon commencement of the open season or by email request to lc_sj@energytransfer.com.
Phillips 66 is a diversified energy manufacturing and logistics company. With a portfolio of Midstream, Chemicals, Refining, and Marketing and Specialties businesses, the company processes, transports, stores and markets fuels and products globally. Phillips 66 Partners, the company's master limited partnership, is an integral asset in the portfolio. Headquartered in Houston, the company has 14,000 employees committed to safety and operating excellence. Phillips 66 had $49 billion in assets as of March 31, 2015. For more information, visit www.phillips66.com or follow us on Twitter @Phillips66Co.
Energy Transfer Partners, L.P. (NYSE: ETP) is a master limited partnership owning and operating one of the largest and most diversified portfolios of energy assets in the United States. ETP’s subsidiaries include Panhandle Eastern Pipe Line Company, LP (the successor of Southern Union Company) and Lone Star NGL LLC, which owns and operates natural gas liquids storage, fractionation and transportation assets. In total, ETP currently owns and operates more than 62,000 miles of natural gas and natural gas liquids pipelines. ETP also owns the general partner, 100% of the incentive distribution rights, and approximately 67.1 million common units in Sunoco Logistics Partners L.P. (NYSE: SXL), which operates a geographically diverse portfolio of crude oil and refined products pipelines, terminalling and crude oil acquisition and marketing assets. ETP owns 100% of Sunoco, Inc. and 100% of Susser Holdings Corporation. Additionally, ETP owns the general partner, 100% of the incentive distribution rights and approximately 44% of the limited partner interests in Sunoco LP (formerly Susser Petroleum Partners LP) (NYSE: SUN), a wholesale fuel distributor and convenience store operator. ETP’s general partner is owned by Energy Transfer Equity, L.P. (NYSE: ETE). For more information, visit the Energy Transfer Partners, L.P. website at www.energytransfer.com.
Sunoco Logistics Partners L.P. (NYSE: SXL), headquartered in Philadelphia, is a master limited partnership that owns and operates a logistics business consisting of a geographically diverse portfolio of complementary crude oil, refined products, and natural gas liquids pipeline, terminalling and acquisition and marketing assets which are used to facilitate the purchase and sale of crude oil, refined products, and natural gas liquids. SXL’s general partner is a consolidated subsidiary of Energy Transfer Partners, L.P. (NYSE: ETP). For more information, visit the Sunoco Logistics Partners L.P. web site at www.sunocologistics.com.
This press release may include certain statements concerning expectations for the future that are forward-looking statements as defined by federal law. Such forward-looking statements are subject to a variety of known and unknown risks, uncertainties, and other factors that are difficult to predict and many of which are beyond management’s control. An extensive list of factors that can affect future results are discussed in the Annual Reports on Form 10-K and other documents filed by Phillips 66, Energy Transfer and Sunoco Logistics from time to time with the Securities and Exchange Commission. Phillips 66, Energy Transfer and Sunoco Logistics undertake no obligation to update or revise any forward-looking statement to reflect new information or events.
Murphys, CA...Melanie Klann is a favorite here at Marisolio. She is an accomplished baker of all things bread. She has taught some fun classes her at Marisolio! Her Paella class was amazing! Southern Ribs with her signature “crack corn” creamed corn is fantastic. She also owns a successful winery, Newsome Harlow her in downtown Murphys, with her husband Scott.
Melanie will be making a Cassoulet, a slow-cooked rich traditional French dish comprised of Duck, Sausage and white beans, and Melly’s French Onion Soup this time.
Bring a friend to get $5 off.
Gooey pizza and mystery meat have long spoiled the reputation of cafeteria food.
Despite recent attempts to provide more tempting and nutritious fare, however, many students still prefer to brown-bag it.
But some cafeteria workers from the 14,000-student Rockdale County, Ga., school system near Atlanta are applying a few new tricks from the marketing trade to get more students to dine in.
Thirty-seven staff members from 16 cafeterias in the district recently took a five-week marketing-management class to learn how to improve customer relations, better advertise their services, and deliver effective, eye-catching promotions to tempt potential diners.
Peggy Lawrence, the food-services director for Rockdale's public schools, who taught the class, said staff members enjoyed the course and took the new ideas into the schools.
They began reaching out to students and teachers by offering nutrition education in classrooms, taste tests, customer surveys, and reward incentives.
One promotion offered elementary school students who purchased breakfast at school free tickets for ice cream at lunch. Participation increased that day by 110 children. "Free ice cream is a big motivation for a 6-year-old," Ms. Lawrence said.
Ms. Lawrence said the district's cafeterias all meet federal nutritional guidelines, and students have a number of choices, including spaghetti with meatballs, freshly tossed salads, grilled-cheese sandwiches, and mixed fruit, as well as hot dogs and hamburgers.
Despite the challenges they face, the cafeterias serve more than 11,500 meals a day on a $5.8 million annual budget, reaching 70 percent of the students in the district. Staff members hope to see those numbers increase over the next few months, and Ms. Lawrence said the class has been inspiring.
"The neatest thing was to see the staff get so excited. A lot of the employees had some good ideas," she said.
Our client is currently looking for an employment co-ordinator who has good communication, interpersonal and organisational skills. The role will be based in Prestwich, Manchester however, travel may be required between local properties.
This is a part-time role and you will be expected to work 33 hours per week. The post holder may on occasion be required to work evenings, weekends and/or bank holidays in accordance with client need.
It was founded 25 years ago, and their services have steadily grown. They now help over 100 young Jewish adults, providing education, supported living and employment services. They are proud that their members lead independent lives that, without them, they could only dream about.
• To provide a personalised support service to enable young Jewish adults with learning difficulties to identify and maintain suitable and meaningful employment.
• To develop their member’s individual skills, motivation and confidence and to promote employment opportunities as well as deliver the “Employment Course” (LEC).
• To provide an “In Work” support service through a variety of options including regular face to face visits, mentoring, job coaching and telephone contact.
• To support their members to progress onto employment by providing encouragement, learning/development planning & supportive opportunities, effective mentoring and guidance.
• Working with each their member to produce a CV and interview preparation to assist with job applications. Supporting their members to research/find suitable job vacancies for themselves.
• To have an understanding of the current benefits system and the Permitted Work regulations of the Department of Works & Pensions, ensuring that their people comply with statutory notifications of earnings and take full advantage of tax and Government incentives.
• To undertake monitoring visits, phone calls and reviews with the employer to ensure that the work placement is meeting their needs and expectations.
• To review the work placement at regular intervals.
• Working with people with learning difficulties/disabilities.
• Previous experience supporting people into employment would be preferable but is not essential.
If you are looking for a fresh challenge, enjoy engaging with people, have a real desire to make a difference to someone’s life and the skills required to help them deliver a high level of service to their Members, then they want to hear from you.
They offer competitive terms and conditions which includes a competitive basic salary, access to a pension scheme, 20 days annual leave per year plus public holidays and 3 Jewish holidays pro rata.
Please apply online attaching your CV and a covering letter.
Amazon has changed its delivery fees and pricing structure for books sold through its French retail portal in response to a change in legislation.
Under the new rules, the company is no longer allowed to offer a 5 percent discount and free shipping for customers in France purchasing books. It is, however, still offering free shipping for its Amazon Prime customers in the country. Other shoppers will be charged “1 penny per order”, which it says is the minimum permitted by law.
The new law was put into place by the French government as it seeks to help try and restore the balance of power between offline retailers and Amazon. As such, brick-and-mortar shops are still allowed to offer free delivery and a discount. Nonetheless, given the convenience of shopping at Amazon, it’s unlikely that the penny charge is likely to sway anyone’s book buying decisions but it keeps the company within the law.
In the past eight months, the Kingsley Area School District in Grand Traverse County had three teenage students die by suicide.
The village of Kingsley, a small rural community in northwest Michigan, is struggling to find ways to reach out to youth after three teens died by suicide in the past eight months.
In the most recent case, 14-year-old Shealynn Pobuda died by suicide on Feb. 3, according to the Record Eagle in Traverse City. A memorial service for Shealynn was held Saturday at Kingsley Middle School.
Shealynn's death follows Kayden Stone, 14, who died by suicide in September, and DeAnte Bland, 16, who died in June.
“You don’t know how much you love your kid — you think you do, but you don’t — until you don’t have them anymore,” Bill Stone, Kayden's father, told the Record Eagle .
Suicide is the second-leading cause of death among those ages 10-24, according to the National Suicide Prevention Lifeline. In addition, it is the second-leading cause of death for those ages 15-43 in Michigan, according to the American Foundation for Suicide Prevention.
In 2017, a Canton teen attempted suicide after she was stalked by an ex-boyfriend.
In May 2018, freshmen at West Bloomfield High School gathered to discuss suicide, following the death of four students in a four-year period. The suicide rate over a 10-year time frame, between 2006 and 2016, spiked nearly 70 percent.
Experts and teens linked suicide to poor access to mental health screenings, as well as societal issues.
"It's a national crisis," West Bloomfield High School principal Patrick Watson told the Free Press in 2018.
Schools like West Bloomfield and Kingsley worked with organizations to raise awareness about suicide prevention. West Bloomfield worked with a Farmington company, Therapy Live, to create curriculum covering topics such as anger, anxiety, stress, and grief.
WPBN-TV reported that Kingsley School District collaborated with Traverse Bay Area Intermediate School District and local organization local organizations, like Michael's Place, to help students cope with loss of a classmate.
More: Teen suicide is soaring. Do spotty mental health and addiction treatment share blame?
“Some kids are open and tearful and very willing to talk and some aren’t, and when they’re not, we need to find ways to help them have strategies for coping," Melissa Fournier, program director of Michael's Place, told WPBN-TV.
If you or someone you know needs help, call the National Suicide Prevention Lifeline at 800-273-8255.
National Suicide Prevention Lifeline encourages those with suicidal thoughts to find a therapist, build a support network and use the network, make a safety plan and find additional resources for assistance.
According to bethe1to.com, people who think someone is suicidal can help by asking questions, keep them safe, be there, help them connect with people and follow up with them.
The Achieving a Better Life Experience Act provides a mechanism to create a tax-advantaged savings tool for individuals with disabilities and their families.
Trenton Public Schools received a significant boost yesterday from Russo Music, which donated more than $100,000 worth of new Yamaha percussion and wind instruments to the school’s music program.
Cathedral Kitchen provides programs and services which strengthen and support the health and well-being of the Camden and South Jersey communities.
The 20th anniversary of the Mercer County Italian American Festival will take place in Mercer County Park, West Windsor, Sept. 27-29, 2019.
Eggs have been tied to Easter for centuries; they were among the foods forbidden by the church during Lent, so it was a special treat to have them again on Easter Sunday. Egg recipes abound this time of year.
The West Windsor native has 16 hits from his first 36 at-bats, good for a .444 average.
Officer Craig Burton received a final salute from school faculty, fellow officers and the school band as he walked out of the school one last time.
A Henrico police officer received a special send off last week during his last shift as a school resource officer at Glen Allen High School.
The group applauded and cheered him on during the heartwarming send off.
“Like so many other school resource officers, Officer Burton was beloved by the students, parents and Henrico County Public Schools faculty he served,” Henrico Police wrote on Facebook.