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Ss policystream
The document discusses several options for reforming Social Security in the United States. It outlines proposals to increase payroll taxes, raise or eliminate the taxable earnings maximum, change how benefits are calculated, modify retirement ages, and increase benefits for low-earners. It also discusses changing the cost-of-living adjustment, combining disability and retirement programs, and proposals to partially privatize the system through personal retirement accounts. Advocates and opponents of each approach argue about their potential effects on the long-term solvency of Social Security and retirement security.
Strategically Claiming Your Social Security Benefits
Have you factored Social Security benefits into your overall retirement strategy? Roy Kramer, CPA, CDFA, CDS, NSSA, a certified National Social Security Advisor and member, tax services at Brown Smith Wallace, discusses strategies that people often overlook when claiming Social Security benefits.
Property Tax Relief for Older Adults
The document discusses property tax relief programs for older adults and individuals with disabilities in Missoula, Montana, including the 2EC tax credit program, the Property Tax Assistance Program (PTAP), and the Montana Disabled Veteran (MDV) Program. It provides eligibility requirements and income guidelines for each program. The Resource Center at Missoula Aging Services can help individuals determine if they qualify for property tax relief and connect them with additional resources.
9 Facts About Retirement
Planning for your financial can start at any age. These fun facts about retirement are a great way to begin the retirement planning process.
Generic Di Credit Va Az Di Slides
The document discusses the risks of disability and the need for long-term disability insurance. Some key points made include: disability is more likely than death during working years; over 12 million people experience disabilities each year from accidents; becoming disabled could wipe out 10 years of savings or more if relying only on sources like Social Security, loans, selling investments; and obtaining disability insurance now guarantees coverage and locks in lower rates before age 65 when risks increase.
Social Security BRIDGE
The document proposes a Social Security BRIDGE program that would provide subsistence-level income to involuntarily retired Americans between the ages of 55-61 who are unemployed and have exhausted unemployment benefits. This would help close the gap for those unable to work but ineligible for full Social Security benefits. Key evidence shows unemployment rates and durations are higher for those under the eligibility age, and income levels for the poorest elderly rise significantly once eligible for Social Security. The BRIDGE program aims to extend this financial protection to more Americans in need before they reach full retirement age.
2 Biggest Retirement Misconceptions
There are two common misconceptions about retirement planning that could harm retirees financially. The first is assuming retirement will only last 10-15 years, when increased lifespans mean it may last 20-30 years or longer. The second is being too conservative in investments and not accounting for inflation, which can erode purchasing power over a long retirement. Proper planning is needed to avoid running out of money in retirement given its potential longer duration.
Affordable Care Act Webinar by Intuit
Passed in 2010, the Affordable Care Act overhauls the U.S. healthcare system and affects nearly all taxpayers, many employers and various elements of the healthcare industry.
The Act represents the most significant change to our healthcare laws since the passage of Medicaid and Medicare in 1965. The new law will be phased in over multiple years spanning 2009 to 2018, with the individual mandate taking effect Jan. 1, 2014. The new healthcare law uses the tax code and tax return in many respects to implement its measures.
Intuit® recently hosted a webinar presented by Mike D’Avolio on the Act.
Recommended
Ss policystream
The document discusses several options for reforming Social Security in the United States. It outlines proposals to increase payroll taxes, raise or eliminate the taxable earnings maximum, change how benefits are calculated, modify retirement ages, and increase benefits for low-earners. It also discusses changing the cost-of-living adjustment, combining disability and retirement programs, and proposals to partially privatize the system through personal retirement accounts. Advocates and opponents of each approach argue about their potential effects on the long-term solvency of Social Security and retirement security.
Strategically Claiming Your Social Security Benefits
Have you factored Social Security benefits into your overall retirement strategy? Roy Kramer, CPA, CDFA, CDS, NSSA, a certified National Social Security Advisor and member, tax services at Brown Smith Wallace, discusses strategies that people often overlook when claiming Social Security benefits.
Property Tax Relief for Older Adults
The document discusses property tax relief programs for older adults and individuals with disabilities in Missoula, Montana, including the 2EC tax credit program, the Property Tax Assistance Program (PTAP), and the Montana Disabled Veteran (MDV) Program. It provides eligibility requirements and income guidelines for each program. The Resource Center at Missoula Aging Services can help individuals determine if they qualify for property tax relief and connect them with additional resources.
9 Facts About Retirement
Planning for your financial can start at any age. These fun facts about retirement are a great way to begin the retirement planning process.
Generic Di Credit Va Az Di Slides
The document discusses the risks of disability and the need for long-term disability insurance. Some key points made include: disability is more likely than death during working years; over 12 million people experience disabilities each year from accidents; becoming disabled could wipe out 10 years of savings or more if relying only on sources like Social Security, loans, selling investments; and obtaining disability insurance now guarantees coverage and locks in lower rates before age 65 when risks increase.
Social Security BRIDGE
The document proposes a Social Security BRIDGE program that would provide subsistence-level income to involuntarily retired Americans between the ages of 55-61 who are unemployed and have exhausted unemployment benefits. This would help close the gap for those unable to work but ineligible for full Social Security benefits. Key evidence shows unemployment rates and durations are higher for those under the eligibility age, and income levels for the poorest elderly rise significantly once eligible for Social Security. The BRIDGE program aims to extend this financial protection to more Americans in need before they reach full retirement age.
2 Biggest Retirement Misconceptions
There are two common misconceptions about retirement planning that could harm retirees financially. The first is assuming retirement will only last 10-15 years, when increased lifespans mean it may last 20-30 years or longer. The second is being too conservative in investments and not accounting for inflation, which can erode purchasing power over a long retirement. Proper planning is needed to avoid running out of money in retirement given its potential longer duration.
Affordable Care Act Webinar by Intuit
Passed in 2010, the Affordable Care Act overhauls the U.S. healthcare system and affects nearly all taxpayers, many employers and various elements of the healthcare industry.
The Act represents the most significant change to our healthcare laws since the passage of Medicaid and Medicare in 1965. The new law will be phased in over multiple years spanning 2009 to 2018, with the individual mandate taking effect Jan. 1, 2014. The new healthcare law uses the tax code and tax return in many respects to implement its measures.
Intuit® recently hosted a webinar presented by Mike D’Avolio on the Act.
Linkedin Slide Show
Eldercare is becoming a major workplace issue as more workers have added responsibilities of caring for aging parents and loved ones. This hidden burden affects work performance through lack of productivity, increased absenteeism, workday interruptions, and lack of concentration. As with childcare 20-30 years ago, eldercare will likely require employers to accommodate this social change through restructuring employment benefits and policies. Forward-thinking employers are already providing eldercare services to help employees balance career and family responsibilities.
Eldercare Stress in the Workplace
It is estimated that elder care issues presently cost the national economy $34 billion annually and this cost is expected to increase at a staggering pace.
“Will Opportunity Keep Knocking?”
The document discusses the growing federal debt in the United States and its implications for younger generations. It states that total federal debt is expected to grow from $5.8 trillion in 2008 to over $11 trillion by 2019, increasing from 41% of GDP to 82% of GDP. By 2050, total debt is projected to reach 320% of GDP and 750% of GDP by 2083. This growing debt from programs like Social Security, Medicare and Medicaid will have to be paid back through tax increases, spending cuts, inflation, or debt repudiation. The document warns that repaying this debt will significantly reduce the quality of life for younger generations by delaying major life milestones like home ownership, marriage, and family starting
My Protection Plus - Accident/Illness Protection
This document discusses the importance of individual disability income protection and outlines some key statistics about disability risks:
- Approximately 30% of people aged 35 to 65 will suffer a disability lasting 90+ days, and 1 in 7 can expect a disability lasting 5 years or more.
- Disabilities are increasingly replacing deaths for conditions like hypertension, as treatments help people live longer with disabilities.
- A typical breakdown of disability claims shows injuries, musculoskeletal issues, and mental/nervous disorders among the most common causes.
CalSTRS-WEP GPO
The GPO and WEP reduce or eliminate Social Security benefits for retired teachers. Under the GPO, a retired teacher's spouse's potential Social Security benefit is reduced by two-thirds of the teacher's pension. For a teacher with both CalSTRS and Social Security employment, the WEP reduces the Social Security benefit formula, costing the teacher $313.50 per month or $3,762 per year. While intended to prevent "double-dipping", these provisions disproportionately impact retired teachers with comparatively lower salaries and pensions.
End of an Era
The document discusses several topics related to personal finance including vacation homes, family expenses, the stock market, bonds, mutual funds, and protecting investment portfolios. It provides statistics on stock market returns over 15 years and bond yields. It also notes that achieving high returns requires taking on substantial risk and losing 50% of an investment requires doubling the remaining amount to get back to the initial investment.
Creds template tsg
This document discusses the "Sandwich Generation" which refers to those caring for both children and aging parents. It notes a 50% rise in those over 65 and a doubling of those over 85 between 2010 and 2030, placing greater demands on the Sandwich Generation. The document proposes building a community to support this group and shares some initial positive results, like 20% monthly growth in registrations and a weekly social reach of 15,000.
Debunking 8 Social Security Myths on its 80th Birthday
August 14 marks the 80th birthday of the Social Security program, which was established in the Social Security Act of 1935. Over the past 80 years, Social Security has provided important cash benefits and income security to seniors, survivors, individuals with disabilities, and their families – including to nearly 60 million people today. Yet Social Security is on a financially unsustainable course – and is not on track to be able to pay full benefits through its 100th birthday.
Sadly, instead of identifying solutions to prevent depletion of the trust funds, many commenters have relied on myths and half-truths to avoid having a conversation about the necessary choices. In this paper, we identify eight such myths – though there are many more
Red C credit crunch tracking - may 2010
- The positive trend in consumer confidence in Ireland has slowed due to concerns about the economic situation in Greece and other Eurozone countries, fueling fears of a potential "Recession 2.0".
- While some consumers have increased spending already, most are now more cautious about further spending increases due to worries about how the recession may personally impact them.
- Younger consumers and higher-income groups remain most likely to increase spending, but they are focusing on everyday shopping rather than luxury purchases or leisure activities for now due to pessimism about the global economy.
Social Security Statement Estimated Benefits Easily Accessible Online
Keith Towns serves as head of Emerge Financial Group and provides knowledgeable individual and small business consulting solutions. Maintaining Northern California offices in Oakland and Suisun City as well as a newly opened Houston office, Keith Towns has extensive knowledge of retirement planning and the Social Security system.
Financial Focus Metroleader 11-14
The document discusses the importance of saving for retirement as highlighted during National Save for Retirement Week. It notes that those without retirement plans are much less confident in their financial security during retirement compared to those who are saving. It recommends contributing as much as possible to 401k plans and IRAs. It also suggests controlling debts, starting to save for children's college early, and balancing retirement and other goals by investing as much as possible in retirement plans. The overall message is to honor saving for retirement throughout the year.
Social Security Today and Tomorrow
Details on the current state of Social Security and proposals being considered in Washington. Facts, Figures, Analytics.
The Debt-Paying Generation
Heritage economist Bill Beach's presentation on runaway government debt to a meeting of young professionals hosted by the Colorado Committee for Heritage
Avances tecnologicos
El documento describe varios avances tecnológicos esperados para 2016, incluyendo gafas de realidad virtual de HTC, energía solar ultraeficiente que podría competir con combustibles fósiles, y redes sociales temporales que permitan mayor privacidad y control sobre la información compartida. También menciona el crecimiento de la tecnología wearable, cifrado mejorado, y el desarrollo de casas inteligentes.
R. Villano - Les photos FR (p.2)
abs: 48. R. Villano “Les Photos. Vol. 1”, R. Villano “Les Photos (Vol. 1)” aperçu d’une sélection d’environ 200 photographies originale set inédites (faites par l’auteur de plus de 30 ans), enrichi par les réflexions thème et bandes sonores évocateurs. (83,5 Mb; 6 files, 226 diapositives, 5 fichiers), Chiron dpt Ph@rma, Rome, février 2015);
BMS Brief SUN Civil Society Cambodia - Health en final
The SUN Civil Society Cambodia developed pagers on BMS code (Sub Decree 133) for Policy Makers, Health Workers and Media that jointly developed by HKI, MOH, UNICEF, WHO and A&T. It summarizes key messages on the code that these stakeholders need to know in simple form.
More info: Hou Kroeun (HKroeun@hki.org )
Rio Ammunition Commemorative Edition - Marshall News Messenger - 8.25.15...
The document discusses the opening of an international shotgun shell manufacturing plant called Rio Ammunition in Marshall, Texas. It provides a timeline of events from 2009-2015 that led to the plant's establishment in Marshall, highlighting collaboration between Rio Ammunition/Maxam, the City of Marshall, Harrison County, and the Marshall Economic Development Corporation. A father-daughter duo, Rusty Howell and Leslie Chambers of MEDCO, played a key role in negotiations to bring the plant to Marshall over several years.
Seoul presentation
Häme University of Applied Sciences in Finland implemented a new module-based study program for its electrical and automation engineering students in 2013. The program integrates technical and communication skills training through larger 15-credit study modules. As an example, the presentation describes the "Technical Project" module, where students built a Siemens PLC control box while practicing written, oral, and video reporting skills. Student feedback showed they understood the module objectives and received sufficient support, and the study methods helped them achieve the learning goals. Teachers concluded students successfully applied their knowledge in practice and showed strong communication skills.
El blogging como modelo de negocios. Por Alex cormani
¿Sabes lo que es el Blogging? Descúbrelo en esta presentación y conoce las claves para aplicarlo como un modelo de negocios.
Presentación de la Fundación nu3
La Fundación nu3 se estableció en 2005 para ejecutar programas de seguridad alimentaria y nutricional para reducir la desnutrición. Su modelo integral busca aliviar la pobreza a través de programas de alimentación, educación e ingresos para promover el desarrollo de beneficiarios y sus familias. La fundación atiende actualmente a más de 26,000 beneficiarios a través de sus programas de comedores, recuperación nutricional, atención a primera infancia y adultos mayores en la Costa Atlántica y Pacífica
Cristina de Balanzo and Jeff Bowerman Festival of NewMR 2017
In recent years consumer neuroscience has become the ‘much talked about’ tool in the marketing process, but it has received less attention in how it can have a role in the planning and creative process. We will show how using neuroscientific insights can be applied to create fresh views for creative strategy and development in food advertising. Cristina will show how to form emotional bonds between brands and consumers. Showcasing examples from recent work and experiments, we will reveal how implicit testing can uncover what excites and energises consumer in food advertising. We will reveal ‘5 golden rules of taste’ which show the underlying science behind how taste is experienced, and how communications can shape taste perception.
Estructuras organizacionales
El documento describe diferentes tipos de estructuras organizacionales como la funcional, divisional, matricial y horizontal. Explica sus características clave, ventajas y desventajas. Por ejemplo, la estructura funcional se basa en la especialización pero puede dar lugar a competencia entre departamentos, mientras que la estructura divisional permite autonomía en cada unidad pero requiere coordinación central. La estructura matricial combina criterios funcionales y divisionales para aprovechar sus fortalezas. La estructura horizontal se enfoca en procesos y equipos
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Linkedin Slide Show
Eldercare is becoming a major workplace issue as more workers have added responsibilities of caring for aging parents and loved ones. This hidden burden affects work performance through lack of productivity, increased absenteeism, workday interruptions, and lack of concentration. As with childcare 20-30 years ago, eldercare will likely require employers to accommodate this social change through restructuring employment benefits and policies. Forward-thinking employers are already providing eldercare services to help employees balance career and family responsibilities.
Eldercare Stress in the Workplace
It is estimated that elder care issues presently cost the national economy $34 billion annually and this cost is expected to increase at a staggering pace.
“Will Opportunity Keep Knocking?”
The document discusses the growing federal debt in the United States and its implications for younger generations. It states that total federal debt is expected to grow from $5.8 trillion in 2008 to over $11 trillion by 2019, increasing from 41% of GDP to 82% of GDP. By 2050, total debt is projected to reach 320% of GDP and 750% of GDP by 2083. This growing debt from programs like Social Security, Medicare and Medicaid will have to be paid back through tax increases, spending cuts, inflation, or debt repudiation. The document warns that repaying this debt will significantly reduce the quality of life for younger generations by delaying major life milestones like home ownership, marriage, and family starting
My Protection Plus - Accident/Illness Protection
This document discusses the importance of individual disability income protection and outlines some key statistics about disability risks:
- Approximately 30% of people aged 35 to 65 will suffer a disability lasting 90+ days, and 1 in 7 can expect a disability lasting 5 years or more.
- Disabilities are increasingly replacing deaths for conditions like hypertension, as treatments help people live longer with disabilities.
- A typical breakdown of disability claims shows injuries, musculoskeletal issues, and mental/nervous disorders among the most common causes.
CalSTRS-WEP GPO
The GPO and WEP reduce or eliminate Social Security benefits for retired teachers. Under the GPO, a retired teacher's spouse's potential Social Security benefit is reduced by two-thirds of the teacher's pension. For a teacher with both CalSTRS and Social Security employment, the WEP reduces the Social Security benefit formula, costing the teacher $313.50 per month or $3,762 per year. While intended to prevent "double-dipping", these provisions disproportionately impact retired teachers with comparatively lower salaries and pensions.
End of an Era
The document discusses several topics related to personal finance including vacation homes, family expenses, the stock market, bonds, mutual funds, and protecting investment portfolios. It provides statistics on stock market returns over 15 years and bond yields. It also notes that achieving high returns requires taking on substantial risk and losing 50% of an investment requires doubling the remaining amount to get back to the initial investment.
Creds template tsg
This document discusses the "Sandwich Generation" which refers to those caring for both children and aging parents. It notes a 50% rise in those over 65 and a doubling of those over 85 between 2010 and 2030, placing greater demands on the Sandwich Generation. The document proposes building a community to support this group and shares some initial positive results, like 20% monthly growth in registrations and a weekly social reach of 15,000.
Debunking 8 Social Security Myths on its 80th Birthday
August 14 marks the 80th birthday of the Social Security program, which was established in the Social Security Act of 1935. Over the past 80 years, Social Security has provided important cash benefits and income security to seniors, survivors, individuals with disabilities, and their families – including to nearly 60 million people today. Yet Social Security is on a financially unsustainable course – and is not on track to be able to pay full benefits through its 100th birthday.
Sadly, instead of identifying solutions to prevent depletion of the trust funds, many commenters have relied on myths and half-truths to avoid having a conversation about the necessary choices. In this paper, we identify eight such myths – though there are many more
Red C credit crunch tracking - may 2010
- The positive trend in consumer confidence in Ireland has slowed due to concerns about the economic situation in Greece and other Eurozone countries, fueling fears of a potential "Recession 2.0".
- While some consumers have increased spending already, most are now more cautious about further spending increases due to worries about how the recession may personally impact them.
- Younger consumers and higher-income groups remain most likely to increase spending, but they are focusing on everyday shopping rather than luxury purchases or leisure activities for now due to pessimism about the global economy.
Social Security Statement Estimated Benefits Easily Accessible Online
Keith Towns serves as head of Emerge Financial Group and provides knowledgeable individual and small business consulting solutions. Maintaining Northern California offices in Oakland and Suisun City as well as a newly opened Houston office, Keith Towns has extensive knowledge of retirement planning and the Social Security system.
Financial Focus Metroleader 11-14
The document discusses the importance of saving for retirement as highlighted during National Save for Retirement Week. It notes that those without retirement plans are much less confident in their financial security during retirement compared to those who are saving. It recommends contributing as much as possible to 401k plans and IRAs. It also suggests controlling debts, starting to save for children's college early, and balancing retirement and other goals by investing as much as possible in retirement plans. The overall message is to honor saving for retirement throughout the year.
Social Security Today and Tomorrow
Details on the current state of Social Security and proposals being considered in Washington. Facts, Figures, Analytics.
The Debt-Paying Generation
Heritage economist Bill Beach's presentation on runaway government debt to a meeting of young professionals hosted by the Colorado Committee for Heritage
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Debunking 8 Social Security Myths on its 80th Birthday
Debunking 8 Social Security Myths on its 80th Birthday
Social Security Statement Estimated Benefits Easily Accessible Online
Social Security Statement Estimated Benefits Easily Accessible Online
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Avances tecnologicos
El documento describe varios avances tecnológicos esperados para 2016, incluyendo gafas de realidad virtual de HTC, energía solar ultraeficiente que podría competir con combustibles fósiles, y redes sociales temporales que permitan mayor privacidad y control sobre la información compartida. También menciona el crecimiento de la tecnología wearable, cifrado mejorado, y el desarrollo de casas inteligentes.
R. Villano - Les photos FR (p.2)
abs: 48. R. Villano “Les Photos. Vol. 1”, R. Villano “Les Photos (Vol. 1)” aperçu d’une sélection d’environ 200 photographies originale set inédites (faites par l’auteur de plus de 30 ans), enrichi par les réflexions thème et bandes sonores évocateurs. (83,5 Mb; 6 files, 226 diapositives, 5 fichiers), Chiron dpt Ph@rma, Rome, février 2015);
BMS Brief SUN Civil Society Cambodia - Health en final
The SUN Civil Society Cambodia developed pagers on BMS code (Sub Decree 133) for Policy Makers, Health Workers and Media that jointly developed by HKI, MOH, UNICEF, WHO and A&T. It summarizes key messages on the code that these stakeholders need to know in simple form.
More info: Hou Kroeun (HKroeun@hki.org )
Rio Ammunition Commemorative Edition - Marshall News Messenger - 8.25.15...
The document discusses the opening of an international shotgun shell manufacturing plant called Rio Ammunition in Marshall, Texas. It provides a timeline of events from 2009-2015 that led to the plant's establishment in Marshall, highlighting collaboration between Rio Ammunition/Maxam, the City of Marshall, Harrison County, and the Marshall Economic Development Corporation. A father-daughter duo, Rusty Howell and Leslie Chambers of MEDCO, played a key role in negotiations to bring the plant to Marshall over several years.
Seoul presentation
Häme University of Applied Sciences in Finland implemented a new module-based study program for its electrical and automation engineering students in 2013. The program integrates technical and communication skills training through larger 15-credit study modules. As an example, the presentation describes the "Technical Project" module, where students built a Siemens PLC control box while practicing written, oral, and video reporting skills. Student feedback showed they understood the module objectives and received sufficient support, and the study methods helped them achieve the learning goals. Teachers concluded students successfully applied their knowledge in practice and showed strong communication skills.
El blogging como modelo de negocios. Por Alex cormani
¿Sabes lo que es el Blogging? Descúbrelo en esta presentación y conoce las claves para aplicarlo como un modelo de negocios.
Presentación de la Fundación nu3
La Fundación nu3 se estableció en 2005 para ejecutar programas de seguridad alimentaria y nutricional para reducir la desnutrición. Su modelo integral busca aliviar la pobreza a través de programas de alimentación, educación e ingresos para promover el desarrollo de beneficiarios y sus familias. La fundación atiende actualmente a más de 26,000 beneficiarios a través de sus programas de comedores, recuperación nutricional, atención a primera infancia y adultos mayores en la Costa Atlántica y Pacífica
Cristina de Balanzo and Jeff Bowerman Festival of NewMR 2017
In recent years consumer neuroscience has become the ‘much talked about’ tool in the marketing process, but it has received less attention in how it can have a role in the planning and creative process. We will show how using neuroscientific insights can be applied to create fresh views for creative strategy and development in food advertising. Cristina will show how to form emotional bonds between brands and consumers. Showcasing examples from recent work and experiments, we will reveal how implicit testing can uncover what excites and energises consumer in food advertising. We will reveal ‘5 golden rules of taste’ which show the underlying science behind how taste is experienced, and how communications can shape taste perception.
Estructuras organizacionales
El documento describe diferentes tipos de estructuras organizacionales como la funcional, divisional, matricial y horizontal. Explica sus características clave, ventajas y desventajas. Por ejemplo, la estructura funcional se basa en la especialización pero puede dar lugar a competencia entre departamentos, mientras que la estructura divisional permite autonomía en cada unidad pero requiere coordinación central. La estructura matricial combina criterios funcionales y divisionales para aprovechar sus fortalezas. La estructura horizontal se enfoca en procesos y equipos
R. VILLANO - CITYSCAPE VOL. 3 IT-2017 p.te 2-5
73. R. Villano “Cityscape. Volume 3”, selezione di fotografie originali e inedite dall’autore dal 2004 al 2017, con colonna sonora. (22,6 Mb; 1 files, 62 diapositive), Chiron dpt Ph@rma, Roma, aprile 2017;
Jonaki Moja
The document contains questions and answers about Assamese cinema. It asks about the actors in early Assamese films like Joymoti, the first National Award winning Assamese film Kothanodi, and the first half-colored Assamese film. It also provides details about the first Assamese cinema hall established in 1937 and the actor who made his Assamese debut in Ki Naam Di Matim Tumak in 1984.
Raimondo VILLANO - TABAGISMO parte 10-10
55. R. Villano “Tabagismo: contributi scientifici, tecnici e legislativi”: si esaminano i recenti elementi essenziali evolutivi del fenomeno del tabagismo nel dibattito nazionale e internazionale, in evidenze scientifiche e implicazioni sociali, nei contributi e resoconti d’attività istituzionale sia di ricerca che clinica e nel contemporaneo quadro legislativo e regolatorio derivato dall’attenzione di istituzioni, enti governativi, organizzazioni sanitarie e società medico-scientifiche. (Chiron, ISBN 978-97303-28-2, CDD 610 VIL tab 2017, LCC NXI-820, pp. 260, Roma, gennaio 2017);
Tracxn Research - Mobile Advertising Landscape, February 2017
There were 26 acquisitions in 2016/17-YTD, with supply side platforms and ad network businesses seeing the most M&A activity.
Tracxn Research - Insurance Tech Landscape, February 2017
This document provides an overview of investment trends in the insurance technology sector from 2010 to 2016. It finds that the number of companies founded, funding rounds completed, and total funding amount have all increased significantly year-over-year in this period. The largest investments in the last year went to Oscar, Clover Health, Metromile, and Gusto. The report also analyzes trends by funding stage and subsectors within insurtech.
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BMS Brief SUN Civil Society Cambodia - Health en final
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Rio Ammunition Commemorative Edition - Marshall News Messenger - 8.25.15...
Rio Ammunition Commemorative Edition - Marshall News Messenger - 8.25.15...
El blogging como modelo de negocios. Por Alex cormani
El blogging como modelo de negocios. Por Alex cormani
Cristina de Balanzo and Jeff Bowerman Festival of NewMR 2017
Cristina de Balanzo and Jeff Bowerman Festival of NewMR 2017
Tracxn Research - Mobile Advertising Landscape, February 2017
Tracxn Research - Mobile Advertising Landscape, February 2017
Tracxn Research - Insurance Tech Landscape, February 2017
Tracxn Research - Insurance Tech Landscape, February 2017
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This document discusses the challenges of retirement planning in the 21st century. It addresses issues like increased longevity, rising healthcare costs, lack of pensions, and other factors that erode retirement savings. Solutions are proposed to help mitigate these obstacles, like using insurance or annuity products that provide long term care benefits without losing money if care isn't needed. Overall it outlines the major risks Americans now face in retirement planning and some potential ways to reduce those risks.
Aegon Fact Sheet Flexible Retirement in Canada
Canada has implemented policies since the 1990s to promote more flexible and transitional retirements. These policies were driven by labor shortages due to falling birth rates and the need to keep experienced employees in the workforce longer. The Canada Pension Plan removed mandatory retirement provisions to provide flexibility. Additionally, the rising costs of pensions are leading to reforms like increasing the eligibility age for Old Age Security benefits from 65 to 67 starting in 2023. However, questions remain about whether employers can adapt to an aging workforce and align private and public pension plans. Survey data shows most Canadian workers envision a flexible retirement transition but there are gaps in retraining opportunities from employers.
Louise hunt.com-the internet has no barriers where age is concerned
The workplace is changing and older people face the challenge of "keeping up" with the overwhelming advances in technology. Gone are the days of paper and pencil, it's all about touch screens and webinars.The older generation is keeping up, they are "Tuned in and Switched on" right into their 70's and rightly so because many still have the energy and enthusiasm to carry on.The single biggest reason cited by nearly every study mentioned in the media today for not retiring is the lack of cash. This coupled with the desire to continue travelling and living the good life has kept the Boomers locked to their desks. To find out how I am funding my Retirement visit my website.
The Only Way is Up? Britain's challenge to raise pension contribution rates
This document summarizes a discussion on raising pension contribution rates in the UK. It discusses how longevity has increased the ratio of time spent in retirement to time spent working. To achieve adequate retirement incomes, both high participation rates in pensions as well as adequate contribution rates are needed. Currently, reforms have focused on participation rates, but contribution rates of 8% of earnings may not be enough. Raising contribution rates could involve increasing regulations on minimum contributions, improving education, using incentives, or nudges like automatically increasing contribution rates over time. Both employee and employer contribution rates may need to increase, but this requires balancing adequacy with preventing increased opt-outs.
Get Finance Smart - Thinking long term
Insurance products, savings and investments are crucial elements of financial health that evolve throughout our lifetime. But getting consumers to think long-term is not easy.
Living longer, living poorer
1) Populations are aging globally as life expectancies increase, resulting in more people living longer portions of their lives with disability and illness.
2) This aging trends poses massive challenges for public services like healthcare and is straining budgets due to the high costs of caring for older populations.
3) Insurance products that help fund long-term care costs are needed but developing viable products is difficult given the risks involved in insuring an aging population.
Retire SMART (3)
This document provides guidance on avoiding common mistakes in retirement planning and generating retirement income. Some key mistakes include underestimating life expectancy, failing to account for healthcare costs, and having returns that are too low. The document recommends estimating expenses, totaling income sources, and adjusting plans if there is a shortfall. Sources of retirement income that can be controlled include CDs, annuities, mortgage-backed securities, and municipal bonds, with annuities and mortgage-backed securities providing higher guaranteed rates of return.
2015 workplace trends - our top 10 predictions
We look at some of the key trends
that we predict will really impact on the workplace
this year.
Here are our top 10 workplace trends for
2015 including the rise in flexible working and the changing nature of office space.
Humans Living Longer - Shock!
We can all benefit from greater flexibility in pensions but at what cost?
Steve Torbett from DAM explores the sobering reality of living longer...
Whartonstudyonincomeannuities1 150606231836-lva1-app6891
This document summarizes recommendations from economic studies on how retirees should invest lump sums at retirement. It finds that annuitizing a substantial portion is generally optimal. Specifically:
1. Annuitize enough to cover minimum living expenses not covered by Social Security or pensions.
2. Annuitize a significant portion of remaining savings for longevity insurance, while investing the rest in stocks and bonds. How much depends on individual factors.
3. Consider annuities with riders to cover potential large healthcare or long-term care costs later in retirement.
Wharton study on_income_annuities (1)
This document summarizes recommendations from economic studies on how retirees should invest lump sums at retirement. It finds that annuitizing a substantial portion is generally optimal. Specifically:
1. Annuitize enough to cover minimum living expenses not covered by Social Security or pensions.
2. Annuitize a significant portion of remaining savings for longevity insurance, while investing the rest in stocks and bonds. How much depends on individual factors.
3. Consider annuities with riders to cover potential large healthcare or long-term care costs later in retirement.
Successful Financial Planning for Retirement
The document discusses retirement planning and savings schemes. It notes that retirement is no longer a single event at a preset age, but a longer phase that requires financial planning. People are living longer but often leave the workforce at a standard pension age, wasting resources. Successful retirement planning needs to encompass both saving more and working longer to optimize finances and human capital. The document also discusses challenges like inadequate retirement savings, rising life expectancies, and shifting responsibilities from employers to employees. It provides an overview of corporate savings plans and their benefits for both employees and employers.
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Making your money last in retirement - Aviva's longevity report
Making your money last in retirement - Aviva's longevity report
Making your money last in retirement - Aviva's longevity report
Making your money last in retirement - Aviva's longevity report
Aegon Fact sheet flexible retirement in the United Kingdom
Aegon Fact sheet flexible retirement in the United Kingdom
Most people's retirement prospects are fairly bleak
Most people's retirement prospects are fairly bleak
Retirement Issues and Concerns in the 21st Century copy
Retirement Issues and Concerns in the 21st Century copy
Louise hunt.com-the internet has no barriers where age is concerned
Louise hunt.com-the internet has no barriers where age is concerned
The Only Way is Up? Britain's challenge to raise pension contribution rates
The Only Way is Up? Britain's challenge to raise pension contribution rates
Whartonstudyonincomeannuities1 150606231836-lva1-app6891
Whartonstudyonincomeannuities1 150606231836-lva1-app6891
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Feedsy snapshot Sept 2019
Branded client communications (with automation).
Feedsy helps small businesses (like you) connect with clients through packages of fully integrated communication products.
Each product is totally branded as you including news web pages linked to email newsletters and news apps. If creating stories seems a bit daunting, Feedsy can source great content on your behalf to share on your Feedsy channels and social media.
That’s great news for you AND your clients.
PLAN Australia - social media and digital communication by Steve Holmes - Feedsy
Your clients and potential clients are on social media.
Australians are increasingly turning to social media to communicate and network, with June 29 2017 Sensis statistics revealing that 79% of us now have at least one social media profile, and 59% of us use it daily.
This workshop is designed for beginners and intermediate users.
Agenda and outcomes.
1. How a business can benefit
2. The best channel(s) for you
3. Facebook for business set-up steps
4. Content, what do I share?
5. Facebook Myths and Truths
6. Record, email and share video
7. Facebook Advertising Basics
8. What makes a good website?
By Steve Holmes
w: www.feedsy.info
e: steve@feedsy.info
Growing the Value of your Customers - 2018 IPA Port Lincoln - Feedsy Presenta...
"Growing the Value of your Customers" presentation by Gavin Klose (co-founder, Feedsy), March 2018.
Featuring the "Journey Method" to solve the "If Only.." Syndrome.
2018 IPA NSW Symposium - Feedsy Social Media Presentation
Australians are increasingly turning to social media to communicate and network, with June 29 2017 Sensis statistics revealing that 79% of us now have at least one social media profile, and 59% of us use daily.
You'll discover:
- How having a social media presence can benefit your business
- Making content relevant
- Which social media profile(s) are right for your business
- What you should expect from social media (and what you should not expect!)
- Techniques to manage and run your business' profiles
- Advertising 101 - how to get started with boosted posts
2018 IPA conference - social media presentation by Feedsy
How do you find more clients? It's not just young people on social media. 86% of 40-49 year olds use social media regularly and 59% of city-dwellers aged over 50 access social media every day.
So how can you make the jump with your business? Feedsy director and digital communications specialists Steve Holmes can help you cut through the jargon.
You'll discover:
• How having a social media presence can benefit your business
• Making content relevant
• Which social media profile(s) are right for your business
• What you should expect from social media (and what you should not expect!)
• Techniques to manage and run your business' profiles
Advertising 101 - how to get started with boosted posts
Feedsy: Grow the Value of Your Clients: IPA
Growing client value requires activating dormant opportunities through advice-based campaigns that identify client needs, and retaining active clients through regular personalized communications. Advice campaigns segment clients and address unmet needs through empathetic emails and phone calls. Retention involves sharing relatable content across channels to build trust and brand advocacy, while rewarding loyalty and soliciting feedback. Automation tools help scale these efforts through measurement and journey automation.
The Feedsy story so far
Our Journey (so far) documents Feedsy's origins from 1991 to present day. It provides an overview of key dates and events in Feedsy's development, including launching different product lines like FeedsyWeb, FeedsyApps, and FeedsyMail between 2013-2014. The document also discusses plans for the future, including marketing strategies, an advisory board to generate new ideas, and getting started tips for entrepreneurs.
Social Media for the small-business adviser
1. The document discusses the benefits of social media for small businesses and provides tips for an effective social media strategy.
2. It highlights that nearly half of small businesses now have a social media presence but few pay to advertise, and provides an overview of Facebook advertising basics.
3. The key recommendations are to define marketing goals, put Facebook in your marketing mix, create interesting and engaging content, encourage sharing, and advertise on Facebook to reach more people.
Webinar 1 growing the value of your clients
Growing the value of your clients through client segmentation, re-engagement, targeted marketing and expanding your offer.
Feedsy and SHM Elders Offer (May 2017)
Feedsy and SH Marketing have teamed up with Elders to provide special pricing for their dealer group.
Elders PD Days 2017 - Feedsy - SHM (Final)
This document summarizes an event where Steve Holmes presented on streamlining client communications using content marketing and automation tools. The presentation discussed how mobile usage is growing, the importance of conveying who you are on your website, and how content can be published to multiple channels including email, social media, apps and print using Feedsy tools. Feedsy allows adding your own content, licensed content and content from partners. It automates distributing content through a news website, email newsletters, apps and printed materials. The presentation addressed common goals for content marketing, current issues organizations face, and how Feedsy can help achieve goals by putting content in front of clients on the channels they use.
Webinar 2 targeted advice based campaigns
1. The document discusses targeted marketing campaigns to activate dormant clients and retain existing high-value clients. It recommends segmenting clients by factors like product usage, purchase frequency, and revenue to identify opportunities.
2. Specific tactics proposed include sending advice-based email campaigns, annual review reminders, and premium educational content. Metrics like email opens, clicks, calls, appointments, offers, and sales would be tracked to measure campaign effectiveness.
3. The document provides tips for campaign content like using customer testimonials and stories, educational articles, and segmentation tools to implement targeted retention and activation strategies.
Elders PD Days 2017 - Feedsy & SHM
The document discusses strategies for streamlining client communications through digital tools and content marketing. It promotes the Feedsy content marketing platform for automatically publishing branded content to a company's website, email newsletter, social media, apps, and printed materials. Feedsy allows scheduling licensed news articles and company news to be published across multiple channels. The presentation provides statistics on mobile usage and tips for an effective website and content strategy to achieve marketing goals like lead generation and customer retention.
FeedsyGroup+GroupSender (May 2017)
This document discusses how FeedsyGroup and FeedsyGroupSender provide dealer groups with a content marketing solution for the digital age. It allows dealers to easily create, publish and distribute articles to members and their clients through multiple channels including websites, emails, apps and print. The system aims to help dealers attract new clients, deepen relationships with existing clients and extend their brand through an integrated content ecosystem.
Why Feedsy can make your content marketing effortless
Feedsy helps achieve goals with content.
Newsletters for the digital age with great content direct to your clients straight from you.
For more info: http://feedsy.info
Feedsy Webinar August 2015
This document discusses strategies for streamlining client communications across multiple channels. It recommends adopting a clear strategy focused on attracting, converting, retaining, and getting referrals from clients. The document also stresses understanding what channels and content clients value most, keeping client contact details up-to-date, engaging on social media in a natural way, and spending less time creating content and more time engaging clients through curated content. Automating content distribution and social media engagement through a solution like Feedsy is presented as a way to streamline efforts and reduce the time spent on communications.
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Top 10 AI Trends to Watch in 2024 with Intelisync
As we advance further into the digital age, artificial intelligence (AI) continues to evolve, shaping various industries and aspects of our daily lives. The advancements in AI for 2024 promise significant transformations across multiple sectors. From agentic AI and open-source AI to AI-powered cybersecurity and sustainability, these trends highlight the growing influence of AI on our world. By staying informed and embracing these trends, businesses and individuals can harness the power of AI to innovate and thrive.
This article explores the top 10 AI trends to watch in 2024, providing an overview, impact, and examples of each trend.
Top 10 AI Trends to Watch in 2024
Trend 1: Agentic AI
Overview of Agentic AI
Agentic AI represents a fundamental shift in artificial intelligence. These AI systems are designed to comprehend complex workflows and pursue difficult objectives autonomously, with minimal human assistance. Essentially, agentic AI functions similarly to human employees, understanding intricate contexts and instructions in normal language, defining goals, deducing subtasks, and adapting actions to changing circumstances.
Impact of Agentic AI
Agentic AI has the potential to drastically alter organizational roles, procedures, and relationships. AI assistants with advanced thinking and planning capabilities can perform tasks previously managed by humans. This shift enhances productivity by fully automating complex processes, freeing workers from repetitive tasks to focus on more critical activities. The ability to adapt quickly to changing circumstances ensures continuous operational improvements.
Examples and Use Cases of Agentic AI
Autonomous Vehicles: Self-driving cars use agentic AI to navigate roads, interpret traffic signals, and make real-time decisions to ensure passenger safety.
Smart Home Devices: AI-powered home assistants, like smart thermostats and security systems, operate autonomously to optimize energy usage and enhance security.
Customer Service Bots: Advanced chatbots handle complex customer queries, provide solutions, and escalate issues to human agents when necessary.
Trend 2: Open Source AI
Overview of Open Source AI
Open-source AI involves freely available source code, encouraging developers to collaborate, use, adapt, and share AI technology. This openness fosters innovation and speeds up the development of practical AI solutions across various sectors, including healthcare, finance, and education.
Impact of Open Source AI
The collaborative nature of open-source AI promotes transparency and facilitates continuous improvement, leading to feature-rich, reliable, and modular solutions. These platforms enable the creation of applications such as real-time fraud detection, medical image analysis, personalized recommendations, and customized learning experiences.
Examples and Use Cases of Open Source AI
TensorFlow: An open-source machine learning framework by Google, widely used for building and deploying AI models.
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Top 10 Digital Marketing Institute in lucknow.pptx
Welcome to our ppt on the top 10 digital marketing institutes in Lucknow! If you're looking to enhance your skills in the dynamic field of digital marketing, Lucknow offers several excellent training options. Our curated list highlights the best digital marketing institutes in Lucknow, providing comprehensive courses that cover SEO, social media marketing, PPC, content marketing, and more. These institutes are renowned for their experienced faculty, practical training, and industry-relevant curriculum. Whether you're a beginner or a professional seeking to upgrade your skills, these institutes can help you achieve your career goals in digital marketing.
Digital Marketing Services Agency in USA
Boost your brand with top-notch digital marketing services in New York! Our expert team specializes in SEO, social media marketing, PPC advertising, and email campaigns to drive engagement and increase your online presence. Partner with us to reach your target audience, track performance, and achieve measurable results. Transform your digital strategy and stay ahead in the competitive NYC market. Contact us today!
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Advanced Storytelling Concepts for Marketers
Every marketer knows you’re supposed to tell a story, but do you know how to tell a story? Do you know why you’re supposed to tell a story? Do you even truly know what a story is? While many marketing presentations emphasize the value of mythic storytelling, the nuts and bolts of actually constructing a story are never explored.
The goal of marketing may be to achieve specific KPIs that drive sales, which is very objective, but the top of the marketing funnel requires a softer approach. In our data-driven results-oriented fast-paced world, marketers must quantify results, but those results will never be achieved unless prospects are first approached with humanity.
There is a common misunderstanding that the so-called “soft skills” of marketing such as language and art are unmeasurable and subjective, but while the objective measures of market research are merely 100 years old, the rules of aesthetics have been perfected over the last 2,500 years.
Great story construction is a skill that requires significant knowledge and practice. This presentation will be a review of the ancient art of story construction.
We will discuss:
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• The Socratic Method – You cannot teach, but you can persuade people to learn
• Plato’s Cave – You sell products, but you market ideas
• Aristotle’s Six Dramatic Elements – The secret recipe for marketing stories
This is for senior marketers who are tasked with creating effective narratives or guiding others in the process. By the end of the session, attendees will have gained the knowledge needed to work storytelling into all phases of the buyer’s journey.
Social Samosa's #30Under30 Guidebook.pdf
With nominations for Social Samosa's #30Under30 now open, here's a guidebook to help you discover every detail of our flagship initiative.
在线办理(英国UWS毕业证书)西苏格兰大学毕业证学位证一模一样
学校原件一模一样【微信：741003700 】《(英国UWS毕业证书)西苏格兰大学毕业证学位证》【微信：741003700 】学位证，留信认证（真实可查，永久存档）原件一模一样纸张工艺/offer、雅思、外壳等材料/诚信可靠,可直接看成品样本，帮您解决无法毕业带来的各种难题！外壳，原版制作，诚信可靠，可直接看成品样本。行业标杆！精益求精，诚心合作，真诚制作！多年品质 ,按需精细制作，24小时接单,全套进口原装设备。十五年致力于帮助留学生解决难题，包您满意。
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1:1完美还原海外各大学毕业材料上的工艺：水印，阴影底纹，钢印LOGO烫金烫银，LOGO烫金烫银复合重叠。文字图案浮雕、激光镭射、紫外荧光、温感、复印防伪等防伪工艺。材料咨询办理、认证咨询办理请加学历顾问Q/微741003700
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◇申请留学生创业基金
留信网认证的作用:
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2:同时对留学生所学专业登记给予评定
3:国家专业人才认证中心颁发入库证书
4:这个认证书并且可以归档倒地方
5:凡事获得留信网入网的信息将会逐步更新到个人身份内，将在公安局网内查询个人身份证信息后，同步读取人才网入库信息
6:个人职称评审加20分
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Supercars use advanced materials and tech for top-speed performance. Join Performance Car Exclusive to experience driving excellence.
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From Subreddits To Search: Maximizing Your Brand's Impact On Reddit
The search landscape is undergoing a seismic shift, and Reddit is at the epicenter. Google's Helpful Content Update and its $60 million deal with Reddit, coupled with OpenAI's partnership, have catapulted Reddit's real-time content to unprecedented heights.
Check out this insightful webinar exploring the newfound importance of Reddit in the digital marketing landscape. Learn how these changes make Reddit an essential platform for getting your brand and content in front of evolving search audiences.
You’ll hear:
- The evolution of Reddit as a major influencer on SERPS over the years.
- The impact of recent changes and partnerships on Reddit’s place in search.
- A comprehensive look at Reddit, how it works, and how to approach it.
- Unique engagement opportunities presented by Reddit.
With Brent Csutoras, a Reddit expert with over 18 years of experience on the platform, we’ll delve into the intricacies of Reddit's communities, known as Subreddits, and how to leverage their power without compromising authenticity or violating community guidelines in the age of AI-driven search experiences.
Don't miss this opportunity to stay ahead of the curve and leverage Reddit for your brand's success.
How to Start Affiliate Marketing with ChatGPT- A Step-by-Step Guide (1).pdf
Discover the power of affiliate marketing with ChatGPT! This comprehensive guide takes you through the process of starting and scaling your affiliate marketing business using the latest AI technology. Learn how to leverage ChatGPT to generate content ideas, create engaging articles, and connect with your audience through personalized interactions. From building your strategy and optimizing conversions to analyzing performance and staying updated with industry trends, this eBook provides everything you need to know to succeed in affiliate marketing. Whether you're a beginner looking to start your online business or an experienced marketer wanting to take your efforts to the next level, this guide is your roadmap to success in the world of affiliate marketing.
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Visit:- https://www.1solutions.biz/link-building-packages/
DTA Promotion - Marketing Specialist Assignment
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Compitive analysis on Noise pvt Ltd.pptx
ChatGPT
Competitive Analysis: Noise Smartwatch
Overview
Noise is an Indian electronics brand that primarily manufactures smartwatches, wireless earphones, and other electronic accessories. Noise smartwatches have gained significant popularity due to their affordable pricing, feature-rich offerings, and stylish designs. The competitive landscape for Noise smartwatches includes both local and international brands that cater to various market segments. This analysis will focus on key competitors, market positioning, product features, pricing strategies, and consumer preferences.
Key Competitors
Amazfit (Huami):
Strengths: Known for excellent battery life, robust fitness tracking, and premium build quality.
Weaknesses: Slightly higher price points compared to Noise.
Products: Amazfit Bip U, Amazfit GTS series.
Realme:
Strengths: Strong brand presence, integration with Realme smartphones, and aggressive pricing.
Weaknesses: Limited variety in smartwatch models.
Products: Realme Watch, Realme Watch S.
Boat:
Strengths: Competitive pricing, appealing designs, and extensive marketing.
Weaknesses: Relatively new to the smartwatch market, which may affect consumer trust.
Products: Boat Storm, Boat Flash.
Samsung:
Strengths: High brand credibility, advanced features, and premium design.
Weaknesses: Higher price points make it less accessible to budget-conscious consumers.
Products: Galaxy Watch Active 2, Galaxy Watch 3.
Xiaomi:
Strengths: Strong ecosystem integration, affordable pricing, and extensive features.
Weaknesses: Less focus on premium design compared to some competitors.
Products: Mi Band series, Mi Watch.
Market Positioning
Noise positions itself as an affordable yet feature-rich alternative in the smartwatch market. Its target demographic includes budget-conscious consumers and fitness enthusiasts who seek value for money without compromising on essential features like fitness tracking, notifications, and battery life. Noise leverages its strong online presence and partnerships with e-commerce platforms to reach its audience effectively.
Product Features Comparison
Noise Smartwatches:
Key Features: Heart rate monitoring, SpO2 tracking, multiple sports modes, customizable watch faces, notifications, and music control.
Battery Life: Typically lasts 7-10 days on a single charge.
Build Quality: Focus on lightweight and comfortable designs with water-resistant capabilities.
Amazfit Smartwatches:
Key Features: Advanced fitness tracking, GPS, AMOLED displays, and long battery life (up to 20 days).
Battery Life: 10-20 days depending on the model.
Build Quality: Premium materials and durable designs.
Realme Smartwatches:
Key Features: Basic fitness tracking, SpO2 monitoring, and notifications.
Battery Life: Up to 9 days.
Build Quality: Sleek designs but slightly limited in variety.
Boat Smartwatches:
Key Features: Heart rate monitoring, multiple sports modes, and customizable watch faces.
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What is Feedsy
- 1. Streamlining keeping in touch & staying ‘front of mind’
- 4. Content + Marketing Channels = Hard!!
- 7. Content + Marketing Channels =
- 8. Business Lifestyle Technology World Science Travel Environment Entertainment Sport 15per week (average) 2013 Annual Category Data
- 10. Apps Since 2013
- 11. Web
- 12. Mail Flash
- 14. Print says. Compounding the disconnect is that many people underestimate their updated every so often, lump white-collar and blue-collar workers together and are out of date when published. However, research by Mercer released in August shows a white-collar male retiring at the age of 65 today has a 50 per cent chance of living to 88. White- collar women have a 50 per cent chance of living to 91. These are the mortality workers. The latest Mercer survey results come as the government tightens access to the age pension. The Abbott government has further increased the qualifying temporary freeze on the superannuation guarantee. The guarantee will stay at 9.5 per cent for seven years, before resuming its rise to 12 per cent. There is also a real possibility that the superannuation preservation age, the age at which people can access their super savings, will eventually rise, to maintain would imply a preservation age of 65. Quay Credit Union website.com.au 1300 426 728 0400 000 000 admin@website.com.au 1300 426 728 email@website.com.au Disclaimer and Disclosure Disclosure statement: authorised representative of Genesys Wealth Advisers Ltd. Copyright © 2011 Genesys Wealth Advisers Limited ABN General Advice Warning: This communication, including any attachments, may intended recipient you must not read, use, disseminate, distribute or copy any part of this communication, disclose its contents to any other party, or take any action in reliance on it. If you have received this communication in error, please contact the sender immediately and delete this communication. Aspire2 Wealth Advisers Pty Ltd does not warrant that this communication or any attachments are free from viruses or other defects. Please ensure that you check for viruses and defects prior to opening any attachments. Financial Services and Credit Guide (FSCG): Please click here to See these stories and more online at news.xpertprofessionals.com B News Update | March 2015 Golden years not so golden Retirees are living longer, yet many have their retirement saving plans derailed by redundancy or illness, writes John Collett. The retirement years of many people are not as golden as is commonly believed, with 40 per cent of retirees saying they have been forced into reality of retirement. Most people are retiring close to the age of 60, with only 3 per cent retiring at 70 or older. That is despite older people saying they want to work longer. ‘‘Our research shows uncontrollable triggers can derail the best-laid plans for retirement,’’ says David Anderson, Mercer’s managing director. more years to fund in retirement and fewer working years to save for it. their previous occupations, it is well known that those in some occupations are hit particularly hard by enforced early retirement. was released earlier this year, showed those working in community and personal services, clerical and administrative roles, sales, and as labourers are up to 50 per cent more likely to retire before the age of 60 than professional workers. Golden years not so golden 8 Practical Tips to Add Value to Your Home Why didn’t I think of that? Turn Facebook into a revenue stream Australian dollar jumps cash rate on hold Coming in 2015
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- 16. Staying in contact has never looked so good