Playing the harmonica, dancing, bowling: For Brookdale Senior Living resident Dorothy Plummer, these longtime passions bring purpose as well as pleasure to daily life. What may be surprising is that Plummer is not only 103 – she is living with dementia. Plummer embodies Brookdale’s mission of person-centered care, which focuses on sustaining individual interests and daily routines to give meaning to each person’s life. As part of National Alzheimer’s Disease Awareness Month, Brookdale is offering a free downloadable journal to help others with dementia look for ways to live life to the fullest.
“When people hear someone has Alzheimer’s, the label of the disease can unfortunately replace who the person is,” said Juliet Holt Klinger, senior director of dementia care for Brookdale. “Their life becomes shaped by the diagnosis. The things they love to do may be taken away when they don’t need to be. This can cause disengagement, potentially leading to depression, isolation, loss of appetite, weight loss, and even falls.”
To view the multimedia release go to:
https://www.multivu.com/players/English/7722151-brookdale-senior-living-alzheimers-awareness/
By the close of the 1942 season, Ted Williams became a fighter pilot and flight instructor in the U.S. Marine Corps, all through World War II. He served through 1945 and
making his return to the Red Sox in the Spring of 1946, Pushing the team to win the American League pennant and taking home the MVP award. Despite the fact the Red Sox lost
the World Series (the only one Williams played in) to the St. Louis Cardinals that year, Williams'spreeminenceas an outstanding hitter grewby leaps and bounds. He became known
as the Splendid Splinter and the Thumper, for his 6'3" rail-thin frame and his power behind the bat was also ca;lled the kid.
In 1947, Williams won his second Triple Crown but lost the MVP title to DiMaggio by only one vote, a slight by the sportswriters that Williams in no way forgot.
In 1949, he was voted American League MVP for the second time. In 1950, while having a momentous season, Williams fractured his elbow during the All-Star Game at
Comiskey Park in Chicago; he smashed into the wall while catching a fly ball. He finished that game, but the damage cost him more than sixty games, despite the fact
he played well during the games he did play. He hit .318 in 1951 but then went back into the military service in 1952 and 1953, for the duration of the Korean War.
After a crash landing of his fighter plane and a bout with pneumonia, he was sent back to the states. He announced his retirement from baseball in 1954 but then changed
his mind and stayed on with the Red Sox, because he would have been ineligible for Hall of Fame election on the first ballot if he quit too soon. He suffered a series of
injuries in the mid-1950s, but in 1957, at almost forty years old, he hit .388 and became the oldest player to ever win a batting championship. He hit .453 during the second
half of the season. Williams was more popular than ever before and finished second only to Mickey Mantle in MVP balloting. The following year, Williams batted .328,
still high enough to lead the league in batting. During this part of his career he won the nickname Teddy Ballgame, although his favorite nickname for himself
was always "The Kid."
http://baberuthautographedbaseball.org/roger-clemens-autographed-baseballs/
I began this analysis of Roger Clemens fairly certain what it would tell me. Roger is more than forty, he keeps coming out of retirement, his team isn
http://www.retireright.co.uk/ Retire Right offer independent specialist retirement advice. Helping you get the most income from your pension with the best annuity rates.
How do you know when a step stool is safe for a senior to use? This video shows how the Senior Step Stool by Shure-Step was designed with the help of retirement community executive directors.
QROPS - Qualifying Recognised Overseas Pension Schemes were introduced in 2006 as part of a major overhaul of Britain\'s pension framework, aimed at simplifying pension transfers to another country. New legislation was passed by the UK tax authority, HM Revenue and Customs (HMRC), in order to comply with an EU directive that pensions be free to move across Europe\'s borders. This ruling means that individuals, wishing to retire to countries such as France, Spain and Portugal can effectively take their UK pension funds with them: http://www.axis-finance.com/what-are-qrops.php
Who can apply for a QROPS?
A QROPS is specifically designed to allow anyone, not intending to retire in the UK, to transfer existing and frozen UK pension plans into a more appropriate retirement vehicle.
Individuals who are, or have been members of a UK registered pension fund and are currently living outside of the UK, or intending to leave the UK on a permanent basis, can consider transferring their retirement fund into a QROPS: http://www.axis-finance.com/qrops-living-in-France
Transfers to QROPS
The UK Government allows transfers to QROPS to be made free of UK tax. Their aim is to simplify the affairs of individuals leaving the UK on a permanent basis and to encourage them to continue saving in order to provide an income when they retire. There is no official limit to the amount of funds that may be transferred to a QROPS: http://www.axis-finance.com/qrops-France-pension-transfers
QROPS - HMRC Rules
What makes a scheme a QROPS?
In order to transfer your UK pension into a QROPS, it is necessary for the overseas pension scheme to be accepted by HMRC. The criteria outlined by HMRC for an overseas scheme to qualify as a QROPS include:
- The pension scheme must be established outside of the UK
- It must be recognised for tax purposes in the country where it is located
- It must be regulated in the country in which it is established
Age that benefits can be taken from a QROPS
The QROPS regime mirrors that of a regulated pension scheme in the UK. Benefits, including lump sum payments, from the transferred funds may not be distributed earlier than the normal retirement age of 55, if an individual has been a non-UK resident for less than five complete tax years: http://www.axis-finance.com/qrops-living-in-France-HMRC-Rules
QROPS Reporting requirements
HMRC should be notified if a payment is made within the first five tax years of a member becoming non-UK tax resident. Any benefits paid before five complete tax years of non-UK residency and not in accordance with UK Pension rules will be deemed an unauthorised payment.
The scheme manager does not have to notify HMRC if the payment is made 10 or more years after the day of the transfer that created the QROPS fund for the \'relevant member\', provided that the person is non UK resident for the duration of this period. This 10 year \'bracket\' for reporting payments took effect as of 6 April 2012.
QROPS List
When transferring your UK pension to a scheme overseas, it is important to check that the scheme meets the conditions to be a qualifying recognised overseas pension scheme (QROPS). Not all transfers to overseas or offshore schemes are QROPS transfers; it is therefore essential to verify that the scheme receiving your UK benefits is on the QROPS list published by HMRC, otherwise a transfer will be treated as a transfer to a non-qualifying overseas scheme and substantial penalties may be applied by HMRC at the time of transfer: http://www.axis-finance.com/qrops-list-living-in-France
How do I know if it is a legitimate QROPS scheme?
QROPS approved plans that agree to have their details published are listed on the HMRC website. A UK Pension administrator will confirm a QROPS listing before agreeing to a transfer. If not listed, the administrator will contact HMRC
Bestselling author Andrew Peterson is back with a heart-stopping fourth installment of his wildly popular Nathan McBride series. “Equal parts Stephen Hunter and Thomas Harris. Imagine Bob Lee Swagger going after Hannibal Lecter and you will have only scratched the surface of this intensely exciting novel. Forced To Kill will haunt you long after you read its last brilliantly plotted page.”- Brad Thor, #1 New York Times bestselling author. Nathan McBride is a trained Marine scout sniper and CIA operations officer, pulled out of retirement when things get dangerous and complicated. Find out more at http://www.AndrewPeterson.com Thriller
According to a new survey from the American Institute of Certified Public Accountants (AICPA) and the Ad Council, one in three millennials (34 percent) ranked saving as their number one goal for the year – ahead of living a healthy lifestyle (20 percent), paying off debt (19 percent), and losing weight (14 percent). But while saving was a top priority, a majority of millennials attributed their lack of saving to impulse buying (65 percent).
For older millennials, those born between the early 1980’s and early 1990’s, saving is crucial as they work towards major milestones in their lives. When asked what they were saving money towards, respondents sought to secure their future by saving for an emergency fund (40 percent), saving for retirement (22 percent) or starting a family (15 percent). They also reported saving for larger purchases like a vacation (36 percent), a new house (27 percent), a car (26 percent), home improvements (20 percent), or a wedding (8 percent). To provide Americans aged 25 to 34 with the tips and tools to take control of their personal finances, AICPA and the Ad Council’s national advertising campaign, Feed the Pig, is continuing to collaborate with new partners to deliver this critical content in a relevant and engaging way.
“Many young adults think saving is impossible,” said Gregory Anton, CPA, CGMA, chair of the AICPA’s National CPA Financial Literacy Commission. “While low salaries and high debt levels can certainly be barriers to saving, the key is to create a budget and stick to it. Establishing a disciplined saving strategy early in life and avoiding missteps will reap substantial long-term dividends.”
To view the multimedia release go to:
http://www.multivu.com/players/English/7790851-ad-council-feed-the-pig/
Debt is a buzzword for politicians, a burden for students, a necessity for most homeowners and a reality for 70 percent of Americans.
But despite this fact, 30 percent of those in debt have no plan to pay it off, according to a recent survey conducted by Fifth Third Bank (NASDAQ: FITB).
Fifth Third commissioned the national survey to examine the financial beliefs and behaviors of American adults. The results provided a snapshot of our nation’s financial literacy, with 82 percent of respondents citing financial independence as a goal in their lives. The survey also revealed how the three largest generations in America differ in their understanding and management of savings, budgeting, retirement planning and credit.
“At Fifth Third, we were curious to discover how knowledgeable Americans are about their personal finances,” said Jada Grandy, senior vice president and Community Reinvestment Act strategies director, Fifth Third Bank. “The results of this survey give insight into financial literacy in America, as well as the needs of customers at different key stages of their lives. This knowledge arms Fifth Third with the tools to support our customers at every step on their journey to financial independence.”
To view the multimedia release go to:
http://www.multivu.com/players/English/7723851-fifth-third-bank-life/
Do you feel financially prepared for the future? If you’re not completely confident in your response, you’re not alone. In fact, a recent survey conducted by Research Now Group, Inc. and commissioned by Fifth Third Private Bank (NASDAQ: FITB) found that nearly half of those surveyed have serious concerns that they may outlive their money in retirement.
The Bank launched the survey to understand families’ financial planning pain points and gain insight into how the process could be simplified through its new platform, Life360.
“The study confirmed the anxiety that clients have shared with our advisors is reflective of similar concerns nationally,” said Phil McHugh, executive vice president and head of Wealth and Asset Management at Fifth Third. “Much of that anxiety stems from a lack of clearly articulated financial goals and alignment around achieving them. Our Life360 platform works to help simplify, focus and holistically address these critical aspects of the financial planning process.”
To view the multimedia release go to:
https://www.multivu.com/players/English/7723854-fifth-third-bank-life360
With no retirement plans in sight, Dorothy Zehnder, co-founder of the family-owned Bavarian Inn Restaurant will celebrate her 95th birthday on Thursday, December 1 doing what she enjoys the most – working in the kitchen of one of the nation’s largest and most successful independent restaurants.
“I like working,” she says. “I like to cook, and I like people. What else is there that I would like better?”
The petite and lively matriarch doesn’t look much like a modern CEO, but don’t be fooled. Over the years, Dorothy has been involved with all the family’s business operations, all located in Frankenmuth – Michigan’s Little Bavaria. In addition to the restaurant, they include Bavarian Inn Lodge, Castle Shops, River Place Shops, Covered Bridge & Leather Gift Shop, Frankenmuth Cheese Haus, a specialty line of food products, and online store.
To view the multimedia release go to:
http://www.multivu.com/players/English/7902051-dorothy-zehnder-bavarian-inn-cookbook/
Clayton, one of America’s leading builders of prefabricated homes, has released a new video featuring the story of a family whose Clayton Built® home survived the devastating Category Four Hurricane Michael.
When the hurricane made landfall Oct.10, Darla and Terry’s Clayton Built® home was along its path. The two moved to Mexico Beach, Fla. from Alabama after retirement to be closer to the beach. They originally planned to build a site built home on their newly purchased property, but after learning more about Clayton and touring the company’s Clayton SE Homes home building facility in Addison, Ala., the couple opted to purchase a Clayton Built® home from Clayton Homes of Panama City instead.
To view the multimedia release go to:
https://www.multivu.com/players/English/8335052-clayton-built-home-mexico-beach-hurricane-michael/
