In this month’s column with Pascal Curran, financial advisor and founder of advicefirst.ie, looks at why pensions should be a young person’s game. Are You Too Young for A Pension?! Before you continue reading, know that the answer – is very likely, no! Ask anyone you know, friends or family in their 50’s and they will say “If only I started saving when I was young.” And so, as a young learner, it’s key to learn from their hindsight. So, should young people worry about pensions?The short answer is – No.Instead of worrying (we’re not a fan!) which solves nothing and causes bad health anyway, they should plan. Pensions are mostly thought of as a savings plan for older people but in reality, this should be jump started earlier in life to ensure simplicity for when you are older. However, because so much of the language that is used to describe and explain pensions is confusing this turns-off the very people that really do need to learn about pensions, how they work – and how they can offer real benefits. Why they matterPensions really do matter to each of us. This is more so because of a raft of changes that have taken place over the last two decades.To begin with, the medical experts predict that we will all live longer.Whether it is as a result of taking better care of our bodies, advances in medical research or innovations in pharmaceuticals, people are living longer (yay!)And, this points to a longer time frame of life post-employment. A longer window which should be spent, worry-free and enjoyed. So, how young is too young for a pensionAre You Too Young for A Pension?Starting out in your first job can be pretty daunting. Your salary sounded like a sweet deal when you signed up, but now each month you’re left feeling as though you’re scraping for change as your income disappears on tax, rent, bills, credit card repayments… And that’s before you add in all those extras, like that gym membership you keep promising yourself you’ll use and the smashed avocado on toast you ordered for brunch last Saturday, washed down with two skinny lattes (!!)With a bank statement already flooded with direct debits, the idea of losing even more money each month to the vague and far-off concept of a pension can seem particularly unappealing at this early stage of your career. Why worry about something that’s decades away? Surely, it’s an unnecessary cost compared with your more immediate plans, such as taking a trip around the world, or buying a property, or getting married, to suggest but a few. It’s saving not spending But contributing to your pension is not just another way to burn through your pay cheque every month. In fact, by paying into a pension, you’re saving your money to use at a later date. And, if you’re paying into your workplace pension scheme, your employer will also usually add in some money, which is in addition to your salary. Money kept in a pension scheme is invested with the aim of helping it to grow over the years to fund your retirement. So, for most people, joining a pension scheme is a great idea. But…Are you too young? There is simply no such thing as being too young to contribute to your pension – it’s a case of the sooner, the better. The longer you spend contributing to your pension, the more money you will have saved by the time you have retired. If you start saving at a younger age, you can also contribute a steady amount each month and avoid desperately scrabbling around for as much money as possible in your forties, when you realise your retirement is looming. Of course, when you first start out on the career ladder you may not be able to afford to contribute much to your pension – but a little each month will go a long way, and you can build up your contributions as your career progresses. There are plenty of helpful pension calculators available online that can help you decide how much money you should tuck away each month, so that you can live comfortably when you retire.For a practical example of this, visit our blog section (www.advicefirst.ie)More time to take risksIf you start to make pension contributions while you’re young, you can take advantage of the lengthy time frame by choosing riskier investments, such as shares, as they will have more time to ride out stock market highs and lows, and could potentially make you more money in the long run. As you approach your retirement, you can switch to safer investments, such as government bonds, and continue saving at a steady pace. Some pension schemes will even do this for you automatically. A financial adviser can explain different pension schemes and different investments to you.If you are lucky enough to receive money from any relatives (for example, a savings account set up by your grandparents), you should consider the idea of putting all or some of this money towards a pension fund. You will reap the benefits, and the money will be stored away until your retirement (guaranteeing you aren’t tempted to delve into it from time to time). This might not seem like the most creative and fun way to use this money, but if you don’t need it for anything in particular at the moment, then your retirement is an excellent investment.How to get startedIf you want to find out more about pensions, we can give you information about your options.As soon as you can afford it, it could be a very positive move to start contributing to your pension. Just consider it as another small cost you need to budget for each month. Even swapping your daily barista-made cappuccino for a home-brewed blend could give you enough of a budget to start. After all, €3 a day is €21 a week, or €84 a month. And contributing just €84 a month to your pension fund early in your working life could set you up for a more secure future.Each month Pascal will provide financial advice on the most frequently asked topics – here on Donegal Daily and is looking forward to further breaking down the barriers around financial advice in his renowned experienced and jargon-free way! If you would like to book a no obligations consultation with Pascal, click here or simply call +353 74 910 39 38 to talk to us today. Follow us on Facebook & Instagram Advice First Financial Services Ltd trading as Advice First Financial is regulated by the Central Bank of Ireland.Pensions: Should young people worry about them? – with Pascal from Advice First was last modified: July 5th, 2019 by Pascal CurranShare this:Click to share on Facebook (Opens in new window)Click to share on Twitter (Opens in new window)Click to share on LinkedIn (Opens in new window)Click to share on Reddit (Opens in new window)Click to share on Pocket (Opens in new window)Click to share on Telegram (Opens in new window)Click to share on WhatsApp (Opens in new window)Click to share on Skype (Opens in new window)Click to print (Opens in new window)Tags:advice firstmoneyPascal CurranpensionsSaving
The mouthpieces for science don’t seem to know whether to use common sense or go with the PC current.There’s hardly anything more obvious about human beings (and all mammals) than that they come in male and female forms. Except in very rare medical disorders, such as those born with “ambiguous genitalia” or anomalous chromosomes like XXY forms, the dividing line is pretty clear. Women give birth to babies; men don’t. The primary sexual characteristics are obvious, and the secondary sexual characteristics are usually pretty obvious, too. Circuses may have the occasional bearded lady, but such cases are recognized as genetic anomalies, not the norm. Most of them did not “choose” their anomalous condition. Some men can’t grow a beard, and some develop “man boobs” with age or obesity, but again those are not “gender choices” that men make. Women have fallopian tubes; men don’t. Men have to worry about prostate cancer or testicular cancer; women, about cervical cancer or ovarian cancer. It’s not necessary to lengthen this list. Even if a man dresses like a woman, or a woman dresses like a man, it doesn’t require a specialist to find out who is for real. So-called “sex reassignment surgery” can only go so far; it cannot change the chromosomes in each cell. Don’t expect Bruce “Caitlin” Jenner to give birth any time soon.A relatively small group of activists has gained enormous power over the media and academia— the LGBT movement (lesbian, gay, bisexual, and transgender, with other initials vouching for inclusion, like Q for queer). Flush with successes in the courts, adamant LGBT spokespersons claim that gender can be completely separated from biological sex, such that a biological male can not only just “feel” like a woman, but actually be one. Conversely, a biological female can actually be a man by simply choosing to “identify” as such. Look, for instance, at this article, “Can a woman have a penis?” by Katharine Jenkins, a good example of an LGBT talking head who insists that the answer is, “Yes!” – and she means it seriously. Must we quote her (it?) to prove this?If this is right, what does it mean for the Liverpool ReSisters’s claim that “women don’t have penises”? Well, since gender identity is not determined by what kind of genitals someone has, a person with a female gender identity might well have a penis. In other words, yes, some women do have penises.Notice that this article, though written at The Conversation (a presumed ‘science’ site where everything but conservativism is tolerated), but reprinted by Phys.org, a science news site!So powerful has been the influence of LGBT activists in academia and media, they have convinced some legislators to criminalize addressing someone who identifies as the opposite sex by ‘its’ biological sex pronouns. This has been on the rise in commonwealth countries like the UK and Canada but is happening in America already, too. Such transgressions can cost persons their jobs, and shame them for believing in traditional sex roles and determinations. Tugged along by political correctness, science news sites are joining in the shaming of common-sense people, suggesting that believers in traditional sex roles are bigots and obstructionists, while science is on the LGBT side. Here are some example stories that appeared recently in Big Media (BM):Young people want sex education and religion shouldn’t get in the way (The Conversation). Gary Bouma wants schools to teach “gender diversity” and decrease parental and church influence in the teaching of sex roles and values.People who embrace traditional masculinity beliefs less likely to report rape (Medical Xpress). Those evil traditionalists; they cover up sex crimes more than the tolerant LGBT types. (But is rape only possible for men? How does that fit the gender-fluidity belief system? Can a man have an abortion? What happens to the philosophers’ tautology illustration that bachelors are unmarried men?)Gender stereotypes begin at age 10 (Medical Xpress). It’s traditional parents’ fault for teaching children that men and women are different. The subtext is that government needs to intervene. This article uses fear-mongering and extreme cases to show the danger of traditional values.Extreme LGBT activists even multiply the number of possible genders, with associated pronouns that must be used so as not to offend a gender-confused person’s chosen gender du jour. It’s nearly impossible for people to keep up with the new gender vocabulary, even if they consider themselves tolerant and want to affirm the chosen gender identity of an acquaintance. It might be offensive, for instance, to address a bearded bodybuilder type wearing lipstick and a dress as “she” if it identifies as some other oddball gender. Campuses must let “it” enter the women’s bathrooms and showers, even with full male genitalia exposed. Anyone who dares to complain must be punished. Male athletes can identify as women and win all the female sports contests, even without hormones or sex reassignment surgery. Some feminists are beginning to get fed up with the unfairness, but so far there’s been little they can do about it. California almost passed a law criminalizing the counseling of a gender-confused person, before the bill’s author pulled the bill after talking to evangelical leaders. So certain was expected passage given the political makeup of California state government, traditional-values groups considered it nearly a miracle that the bill did not go through (see California Family Council).Gender-Confused BSEnter Big Science (BS). What’s a politically-astute secular scientist to do? He, she, or “it” can look at the chromosomes under a microscope, examine the genitalia, and note the secondary sexual characteristics of a lab rat or a human being. But is a scientist immune from the shaming tactics of the LGBT totalitarians? The situation is not yet clear. Biologists routinely denote the sex of non-human organisms (e.g., lion vs lioness), and often report on differences between men and women (e.g., “Binge Drinking Affects Male and Female Brains Differently,” posted on Science Daily). The European Society for Medical Oncology posted a risky article, “Men and women are different: medical oncology needs to restate the obvious” (Medical Xpress). Cancer doctors cannot risk the health of their patients by ignoring well-studied differences in treatment responses between the sexes. Whether the authors were hit with a backlash for saying this, we don’t know.We have seen, however, that affirming male-female differences can be fraught with danger. After Brown University published a peer-reviewed scientific paper about “Rapid Onset Gender Dysphoria” (see 27 Aug 2018), so vehement was the outcry from transgenders who were offended, the university had to post an apology and censor itself (Breitbart News). Even the journal Science took note of this in a short news post:A study describing “rapid onset gender dysphoria” in teens and young adults—a sudden unease with the gender they were assigned at birth—has infuriated transgender activists while sparking a debate about academic freedom. Critics of the paper, published last month in PLOS ONE by physician-scientist Lisa Littman of Brown University, call it a flawed study that reflects an antitransgender agenda, in part because it suggests some cases may be the result of “social contagion.” Brown and the journal have both distanced themselves from the paper, drawing charges that they surrendered to political pressure.The editors appear very careful in this statement not to take sides. Perhaps they don’t want to become the next targets of LGBT wrath. If so, there goes the objectivity of science.Update 09/17/18: WND reports that professor has angered LGBT leftists by insisting that men and women are biologically different. Germund Hesslow of the neurophysiology department at Lund University in Sweden is being accused of “transphobia” and “anti-feminism” but is standing his ground. “He said his comments were not based on a political agenda but scientific fact,” according to the article. It remains to be seen who will win the tug-of-war, but we can expect more situations like it, because leftists are not used to having professors refuse to buckle under. They have ways to destroy careers when crossed.If the trend continues, BS (Big Science) will find itself too intimidated by the powerful leftists* with their identity politics to appeal to observation and common sense for anything. The mandarins of political correctness have them on a long leash, but they are starting to wind it in. If the totalitarians can do this to Big Science, what can churches and traditional families do?Ironically, around the same time, Science Daily printed a post about “the universality of shame.” Evolutionary psychologists Leda Cosmides and John Tooby are at it again (3 Aug 2018), destroying civilization by explaining everything about human behavior as an evolutionary adaptation (23 July 2017). According to their latest just-so story, shame evolved as a defense mechanism. This means that Science was not engaged in an unbiased search for the truth when it reported the “debate” about rapid onset gender dysphoria. The editors were just puppets of their selfish genes, conditioned to use ancient evolved responses to perceived threats. Shame is universal in human nature, Tooby and Cosmides claim, except that they should be ashamed for posting this stupid story, but are not.Screwtape and Wormwood are howling at the gullibility of humans who think the senior devil’s latest play, The Shaming of the True, is about reality.*See the difference between liberalism and leftism in this short video on Prager University. (Visited 474 times, 1 visits today)FacebookTwitterPinterestSave分享0
A new short film from Illustra Media is sure to delight children – and adults, too.Lad Allen, producer of all the excellent nature documentaries at Illustra Media, wrote this about a new short film that is different. It contains no speech or scientific explanations; it’s just for sheer joy.Jerry Harned and I are grandfathers. Between us we have eight grandchildren (above), ranging in age from one to twelve. We enjoy them immensely. So much so that we decided to produce a film dedicated to each of them.Recently, we took a brief detour from cell biology, genetics and cosmology to develop a short video that would make our grandchildren (and, hopefully, thousands of other kids) smile, laugh, and jump around the living room like kangaroos. A film that, after everyone calmed down, would open the door for some good conversations about the creative power of God.First, we dug through our film archives and pulled out some of the best mammal, bird, reptile, insect, amphibian and fish footage we’ve photographed and accumulated over the years. Then we commissioned a special version of one of the most emotionally moving pieces of music ever written (Beethoven’s Ode to Joy). The editing process was a delight, and when we were done we had a lively and inspiring two-minute celebration of life on Earth. We call it ODE TO THE ANIMALS.In just two minutes, viewers are treated to fast-moving montage of animals large and small.Okay. Now round up your kids, grandkids, great-grandkids, kids in your neighborhood, kids in your Sunday school and Awana programs… any kids you know anywhere. Then, after making sure they have plenty of room to jump and run around, hit the “Play” arrow … and be sure to stick around to watch it with them. We’ve had some test screenings with adults and they loved it too.He ends, “May the Creator of everything fill your hearts with joy.” Watch it now, right here:If you enjoyed it, please share the film located at TheJohn1010Project.com so that you and your friends can enjoy “life, and that more abundantly” (John 10:10b). While at the website, look at all the other short films available for free viewing and sharing.CEH often deals with answering Darwinists and their outlandish claims that all these creatures just “emerged” by chance mutations and natural selection. We need to step back and look at the amazing and diverse world of life that the origins controversy is about. Sometimes, enjoying creation – standing in awe of the wonders around us – can be the best tonic to ward off unbelief.(Visited 286 times, 1 visits today)FacebookTwitterPinterestSave分享0
In the few days since Nelson Mandela died, emotional video tributes to the man – from global leaders such as Barack Obama to activists like Burma’s Aung San Suu Kyi, major media organisations such as the Guardian and New York Times, and very ordinary people – have flooded the internet. We bring you a selection.The Guardian – 9 December 2013The UK newspaper brings together tributes and condolences, framed with rare historical footage, from South African President Jacob Zuma, UN secretary-general Ban Ki-moon, US secretary of state John Kerry, US President Barack Obama, UK prime minister David Cameron, Archbishop emeritus Desmond Tutu, Burmese opposition leader Aung San Suu Kyi – and ordinary people on the street.Amnesty International – 5 December 2013“Mandela, a human rights legend.” Amnesty International, the independent global human rights watchdog, documents activists across the world explaining their understanding of Nelson Mandela’s gift to the world: a march towards freedom, human dignity, compassion and forgiveness.US President Barack Obama – 5 December 2013Speaking on the day Mandela died – the news came through just as the US was waking up – Barack Obama said Nelson Mandela’s journey from a prisoner to president embodied the promise that human beings, and countries, can change for the better. He asked that the world give thanks for the fact that Mandela lived – a man who took history in his hands and bent the arc of the moral universe toward justice.The Elders – 6 December 2013The Elders are a group of retired and independent global leaders brought together by Nelson Mandela. In this video released the day after Mandela’s death, former US president Jimmy Carter, South Africa’s Archbishop emeritus Desmond Tutu, former Norwegian prime minister Gro Harlem Brundtland, Ireland’s former president Mary Robinson, and Ela Bhatt, founder of the Self-Employed Women’s Association of India, express their often visible sadness at his passing.Former US president Bill Clinton – 6 December 2013“When you were around him, you wanted to be a bigger person. You knew you could be better than you were.” President Bill Clinton shares memories and reflections in his first interview since the death of his close friend.South African rugby Springboks – 6 December 2013A tribute from South African Rugby, showing the massive impact Nelson Mandela had on the world, South Africa – and rugby. “We will always play for you, Madiba.”BBC News – 5 December 2013“His story is one of the most remarkable of any world leader. Few in history have endured oppression with such little rancour, or overcome the oppressor with such little bloodshed.”The New York Times – 5 December 2013“Mandela’s quest for freedom led from the court of tribal royalty to the liberation underground, to a prison rock quarry and, finally, to the presidential suite of Africa’s wealthiest country.”Musician Peter Gabriel – 6 December 2013“To come out of 27 years in jail and immediately set about building a rainbow nation with your sworn enemy is a unique and extraordinary example of courage and forgiveness. Mandela had seen many of his people beaten, imprisoned and murdered, yet he was still willing to trust the humanity and idealism of those who had been the oppressors. There is no other example of such inspirational leadership in my lifetime.”The Guardian – 6 December 2013“For many he was saint-like. But in fact he was a canny politician.” The UK Guardian newspaper’s video obituary, published the day after Mandela died.Two backpacking US tourists – 6 December 2013Caught unawares and “offline”, as they describe it, on the day after Mandela’s death, two young US backpackers on their way to a tour of Robben Island react emotionally to the news. Slideshow image and video courtesy of News 24. READ MORE • Mandela on Media Club South Africa • Nelson Mandela: the world mourns • Nelson Mandela – a timeline • Barack Obama’s tribute to Mandela • Watch: World reacts to Mandela’s death • Infographic: Mandela family tree • Nelson Mandela’s words of wisdom • The women in Madiba’s life • Tutu leads memorial at the Nelson Mandela Centre of Memory • High-res photos: In 2010, Nelson Mandela wishes World Cup good luck to Bafana Bafana
It “levels the playing field,” utility saysThe debate had a familiar ring; a utility spokesman argued the surcharge would prevent customers without solar or wind systems from subsidizing those who do.“It levels the playing field where one customer was subsidizing another,” a spokesman for one utility told The Oklahoman. “This neither unfairly advantages or disadvantages a class of customers.”This is essentially the same argument that utilities around the country have made as distributed energy grows more common and customers buy less electricity.Arizona regulators approved a surcharge of 70 cents per kilowatt of capacity that took effect at the start of the year, and Maine’s largest electric utility, Central Maine Power Company, also has proposed a surcharge. That plan is still under review by the state’s Public Utilities Commission.But in Vermont, the state legislature recently passed a measure that will allow more homeowners to get paid for the electricity they generate on their residential solar and wind systems. And UtilityDive.com reports that utilities around the country have lost as many as ten of these surcharge debates. Oklahoma residents who install small wind turbines or photovoltaic panels will be paying a new surcharge beginning in 2015, thanks to a bill that zipped through the state legislature and was headed to Governor Mary Fallin for a signature. UtilityDive.com called the measure “the first complete defeat for solar advocates” in their efforts to prevent electric utilities from recouping money they claim they’re losing to distributed generation (DG).The bill allows electric utilities to create a new class of ratepayers, those with solar or wind systems, but the amount of the surcharge has yet to be determined by regulators. It is to be in place by the end of next year and will affect only new installations, not those already in place. Nor will it affect customers who get their power from cooperatives that are not regulated by the Oklahoma Corporation Commission.There were only five votes against the bill in the House of Representatives and no debate when it passed on April 14. The Senate had already approved it. The Republican governor is expected to sign the bill.In a familiar split, Oklahoma Gas and Electric Company and Public Service Company of Oklahoma lined up in favor of the bill while renewable energy advocates and environmentalists opposed it.
Follow the Puck But where are the delivery drones?Waiting impatiently for drone delivery service of your Christmas present? It’s probably not going to happen this year. But Reno-based startup Flirtey is hard at work bringing deliveries (on an albeit smaller scale) to reality and is responsible for a number of firsts. They recently delivered pizza by drone to a customer’s house in New Zealand.Just prior to that they completed the world’s first fully autonomous drone delivery from a 7-Eleven store to a customer’s home. This delivery is the first time a U.S. customer has received a package to their home via drone, representing a historic milestone in both U.S. and global commerce.However, if you’re waiting for an Amazon package from the USPS and relying on more humble transportation, rest assured, Alexa can now track your order and tell you when it should arrive. You can even use her to order your Christmas gifts from Amazon in the first instance. Cate Lawrence Tags:#Amazon#Connected Devices#drones#featured#Honeywell#Internet of Things#IoT#Postal#top#USPS Related Posts Why IoT Apps are Eating Device Interfaces The USPS expects to deliver 750 million packages this holiday season — that’s 5 million packages a day. This is a 12% increase from 670 million in the 2015 holiday season.In response, U.S. Postal Service (USPS) is deploying more than 5,000 additional Honeywell mobile devices as part of its expanded parcel tracking network. In addition to various permanent locations, the technology will be deployed at 58 temporary facilities being used to accommodate holiday shipments.See also: Mo’ drones, mo’ problems needing drone insuranceThe USPS has deployed Honeywell’s CN51 rugged handheld computers to expand its Surface Visibility program, which allows the organization to internally track packages throughout the parcel pickup, sorting and delivery process. The devices allow workers at processing locations as well as drivers to scan and capture data about incoming and outgoing parcels, providing the USPS with greater visibility into where parcels are in its system.“As consumers continue to expect fast, accurate delivery, the USPS needs to know the exact location of all of its parcels throughout the entire mail process,” said Lisa London, president of Honeywell’s Productivity Products business. “By incorporating Honeywell’s mobile computing and scanning technology, the USPS gains better visibility into its operational performance and can use that data to make more informed decisions to improve customer service.”The CN51 mobile device is designed for rugged, outdoor environments. It features a large, multi-touch screen with powerful motion tolerance and support for omnidirectional 1D and 2D barcode scanning. The mobile device can withstand multiple five-foot drops to concrete and has an IP64 seal rating against rain and dust.Honeywell has a strong legacy of supporting the USPS with mobile technology to help make drivers more productive and provide greater visibility into its transportation network. In 2014, the USPS deployed more than 270,000 Honeywell mobile computers to its postal delivery workers as part of a separate program designed to help customers track their mail and packages. Internet of Things Makes it Easier to Steal You… Small Business Cybersecurity Threats and How to…