Archives September 2023

Submitted by: Delia Green

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byAlma Abell

If you own a company that produces products that require the use of metal during production, it is important to find a company that offers quality fabrication services to help you meet demands. If you are new to soliciting metal fabrication services in Syracuse, you may not know what to expect during the process. The following is an overview of what you can expect when you start talking to companies about the services they offer that could benefit you. Knowing what to expect can help you find a quality company that you can depend on to provide your business with the quality items you need quickly and for an affordable price.

Initial Consultation and Needs Assessment

The first thing the company will do is an assessment of the needs of your organization. While you may think you know what you need, a company that provides the service will be able to better assess your needs and design the products you need to flourish. If they don’t take the time to listen to your needs, it may be best to find a different company to help you.

Design Creation

Once your needs have been identified, you will begin working with the design department. They will draw up plans for the items you need, and determine dimensions and the best metal to use during production. Make sure you are involved with the process so you can provide feedback on the project as you progress. Don’t trust a company that provides metal fabrication services in Syracuse that doesn’t have a design department in house.

Prototype and Final Approval

Once you have approved the design, they will produce a prototype of the item so you can see it and test it. Once you are satisfied with the final project, you will need to approve production of the item. Depending on your contract, you could see your custom produced items at your door in as little as 5 days. Make sure you fully inspect the object before you agree to pay for any items the company produces.

If you need help understanding the world of metal fabrication, make sure you contact Superior Industrial Services. They have a full array of services available, and they can help streamline your production facilities.

byAlma Abell

Sedation dentistry seems like an unfamiliar concept to most; however, it has easily recognizable features. Mainly, it refers to the use of sedatives directly before and during the dental appointment. These sedatives have varying degrees ranging from mild to moderate to deep, but all include relaxation and depression of the central nervous system. The reasons for using sedatives before and during an appointment can include patients who fear dentists and treatments, those who wish to have all dental care done in one day, and those who do not wish to have discomfort after the procedure.

There are two main forms of sedation: conscious and unconscious. During conscious sedation one can breathe, swallow, and be in control without anxiety. Unconscious sedation happens when a general anesthetic is used because the patient drifts off into a deep sleep. There are two types of anesthesia: nitrous oxide and local. In the first, nitrous oxide and oxygen (often called laughing gas) are breathed in through a nasal mask. The gas is odorless and the patient is awake during the procedure. This anesthetic is commonly used for children and is beneficial in creating a good experience with dentists and dentist visits. The second anesthetic is a numbing of the gums using an infiltration injection or a block injection. During an infiltration injection, the discomfort will be numbed in a localized area. During a block injection, an entire region is numbed like the lower jaw. Common side effects of sedation aids include dry mouth and hiccups.

To find a Sedation Dentist in Redding, one can choose Moore and Pascarella who are locals to the Red Bluff area, are certified by the California Dental Association, and who belong to the American Dental Association. These sedation dentists in Redding use the tactics described above to perform services including implants, dentures, root canals, wisdom teeth extraction, and fillings. For more information about these dentists, their methods, and their services, click here. Dental implants help hold dentures in place to provide a more comfortable and long lasting fit. Root canals help save teeth that are affected by decay or infection.

Getting maximum income drawdown through suitable Qrops plans

by

chris millor

Suitable retirement planning made in advance and careful implementation of the same may enable one to meet ones future needs and unforeseen contingencies in a better way than having no plans in place. Retirement planning therefore forms an important part of overall financial planning which takes care of various factors such as age, current financial needs, total value of assets and wealth, future needs, size of the family and other important things. It is commonly advised to employees to make proper planning in advance and channelize their savings and expenditure in the right way which would open up new doors for financial prosperity and success.

An employee in UK contributing to the UK pension Fund may plan to move to the overseas for better job prospects as well as better conditions for living. However he may feel himself restricted and may be unduly worried of his UK pension funds. The UK government has clearly laid down policies for enabling such employees to transfer their pension funds to their overseas accounts through proper QROPS Schemes. The pensioner must avail the services of certified qrops providers who are well recognized with Financial Services Authority of UK and HMRC Qrops. There are literally hundreds and thousands of Qrops schemes and the experts can help one to select the right plan based on ones needs and future expectations and projections.

Some Qrops Providers also allows the facility of suitable income drawdown from the pension fund depending on the pension fund or corpus. Also the pensioner may need to withdraw income from their pension fund to meet urgent demands in the present. Only suitable and recognized financial experts can guide the person to select the suitable timing and amount of income drawdown which will help one to achieve the balance between the withdrawn amount and the saved money in the pension fund which remains invested and grow accordingly.

According to the new Income drawdown rules which have been modified recently, pensioners may leave the fund untouched till the desired period. No minimum limit of Income drawdown has been set by HMRC. An employee can withdraw the maximum amount from pension fund equivalent to the single life annuity amount which an employee of same sex and age can purchase. The qrops providers calculate this amount using income drawdown calculator. They are well aware of the income drawdown rates

as set by the Government Actuary Department. Thus they can enable the pensioners to get the maximum income drawdown using the

income drawdown calculator

based on the latest income drawdown rates.

Chris Millor writes for Gerard Associates LTD, for more information on

income drawdown rates

, click on

income drawdown calculator

.

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Looking for top-notch developers but can’t find them locally? Where should you look? What’s the difference between outsourcing and offshoring? And strategies to hire developers from India?

These are common challenges for organisations aiming to expand their team of talented developers rapidly. But don’t worry, we are here to delve deeper and provide expert insights and solutions!

The dawn of a new era

2022 and beyond will witness a remarkable transformation in modern organisations as they increasingly embrace a technology-centric approach in their external offerings and internal mindset.

However, let’s not forget the critical ingredient: top-tier developers. A staggering 41% of IT decision-makers identified the talent and skills gap as their biggest challenge in a 2020 survey.

In the post-Covid era, IT decision-makers explore diverse strategies to build their tech teams. They’ve realised that collaboration can transcend geographical boundaries, thanks to the effectiveness of remote work.

Yet, expanding your tech team is more than just scattering employees across different locations. It involves either a temporary expansion to address project backlogs or a long-term commitment, where engineers seamlessly integrate as full-time colleagues.

The importance of location

Certain regions like Australia, the US, Canada, and Western Europe face a significant scarcity of highly skilled engineers. It’s not that they are non-existent, but renowned tech giants dominate the talent pool, leaving limited options for others.

Countries such as India, Ukraine, Romania, and the Philippines boast an abundance of exceptionally talented and qualified software engineers. Tech leaders should aim to grasp the art of hiring developers in India to expand their capabilities and achieve scalable growth.

Decoding the path to hiring developers in India

To address these shortages, alternative models have emerged, enabling companies in talent-deficient regions to tap into the skills of overseas professionals. Two popular options are outsourcing and offshoring.

Outsourcing involves collaborating with an external vendor, often called a software house. This arrangement works well for short-term projects or to manage temporary fluctuations in workload. However, it’s important to note that these engineers serve multiple clients, not exclusively your organisation.

Offshoring entails building a dedicated team of engineers integrated into your existing setup. They become full-time colleagues, working in sync with your in-house developers and sharing your business’s mission and values.

Unleashing India’s potential: exploring Bangalore

With a staggering 1.5 million engineering graduates annually, India offers a vast pool of highly educated and skilled software developers ready to fuel your business growth.

In Bangalore, out of the city’s 12.5 million residents, nearly one million are software developers. The IT industry employs a massive 10 million people annually in India, with 40% of those engineers originating from Bangalore.

Aptly known as the ‘Silicon Valley of Asia,’ the city boasts a robust startup ecosystem and hosts the R&D centres of tech giants like Google, Amazon, and Microsoft.

The Scalers’ 7-step process to hire developers in India

1. Talent scouting: identifying elite candidates through initial search and prescreening.

2. Logical skills testing: assessing candidates’ problem-solving abilities through various tests.

3. Technical expertise assessment: conducting a practical assessment with our technical panel to gauge understanding.

4. Mock assignment: evaluating candidates’ solution architecture skills through a three-day project.

5. HR interview: delving deeper into candidates’ personalities and individual traits.

6. Manager interview: assessing cultural fit for your business.

7. Final stage: you conduct the final interviews and select your champions from the elite group.

Partnering with The Scalers, an experienced offshore team builder, ensures access to top talent in Bangalore while maintaining oversight over the output, similar to working with local engineers. Our proven methodology guarantees highly skilled developers who align with your business values and working ethos.

Hiring developers in India: final thoughts

The race for innovation is in full swing, and organisations can’t afford to lag.

Falling behind means watching your competitors vanish into the distance. Bridging this gap requires a solid understanding of how to hire developers in India—a fool-proof solution that paves the way for a dedicated and strategic long-term team.

If you’re ready to take your organisation to the next level, an offshore team can be your best ally. To tap into Bangalore’s thriving IT ecosystem, simply reach us through our contact form. As seasoned experts in assembling top-tier engineering teams in India, we’re here to help you build your A-team!

byAlma Abell

With the mortgage settled and money on hand to invest in some renovations, why not begin with the kitchen? A major part of the project will focus on buying new Kitchen Cabinets in Main Line PA. Here are some things to keep in mind when looking at possible replacements.

Consider the Materials

Think of what materials would provide the right combination of appearance and function. Depending on the style that the homeowner has in mind for the kitchen, metal cabinets may be a great choice. For those who want to go with something more traditional, wooden cabinets are worth considering. There is even the option of going with some combination, such as wooden cabinetry that sports doors containing decorative tin panels.

Color or Stain

Depending on the materials chosen, there is the need to choose a color or stain for the new cabinetry. Consider a stain or color that helps to tie the color scheme together without being overpowering. For example, if the wallpaper used in the kitchen contains a color that is used sparingly in the design, that color could be a good candidate for the paint. When the homeowner prefers wood, opt for a stain that helps to bring out the natural beauty of the wood grain.

Size Matters

Ideally, the Kitchen Cabinets in Main Line PA chosen by the homeowner will be a perfect fit for the space. Measure the areas where the cabinets and counters will go, making sure there is no space wasted. Doing so will make it all the easier to organize items in the cabinets and retrieve them whenever the need arises.

The Cost

Unless there is an unlimited flow of cash for the renovation, it is important to consider the cost of different types of cabinetry. Determine what features the cabinets must have and do not settle for less. That will make it easier to find options that are in line with the budget, but also have the quality that the homeowner seeks.

Keep in mind that the team at Walter and Jackson, Inc. is always on hand to help. They can evaluate the present kitchen, talk with the owner about what needs to be changed, and come up with some ideas for the homeowner to consider. Once the selections are made, a contractor will be able to remove the old cabinetry and have the new cabinets in place in no time.

Submitted by: Mallah Rych Hurst

I keep a frog on my pencil with big goo-goo eyes the frog, not the pencil, that is. The head is mounted on a spring that boings back and forth when I flick it with my finger. It makes me smile and is my favorite pencil thing. I got it at the closing of one Cameron banking office last fall. I was working out of the Houston office at the time and was brought in mostly to help shred documents and box information that no one needed anymore at least that is what they said. Stacks of financial records about families I have never met and probably never will know lined the walls in the enclosed back room where the shredder ran nonstop for two weeks. As I read their trials in monthly reports, I could not help but listen to the voices that spoke from the pages of the loan applications.

I wonder about the voice of one young man I read about. I wonder if he was nervous when he signed that first loan note or if his dad, like mine, went with him to the dealership loaded with competitor ads to strategically place on the desk (so as to psychologically influence the salesman during the negotiation of the final price). Only I heard his story his and the other 200 or so people like him whose dreams I loaded on a truck bound to the main corporate office to be silenced forever. There were only four employees in Cameron, so you can imagine how close they all were. I could only watch as this tiny network of people struggled to maintain under the weight of big-business arrogance. Their “positions had been eliminated,” as if anyone ever really could do such a thing.

Now, I’ve heard jokes about being a number, and who hasn’t felt like that during college registration or even at Wal-Mart for that matter? However, I feel people in contact with large organizations would be more accurate to simply say that they are reduced to “things.” What Corporate America will never concede is that when you make a human into a thing, you must sacrifice that which gives the person individuality and life.

Why should they concede? As individuals, we perform this act voluntarily with our ideas of what it means to be successful. Isn’t success the accumulation of massive amounts of money? Haven’t we all been told to believe education will open its doors? I for one was more than willing to give up my individual spark for a steady paycheck and health insurance. So, like a lot of people, I got my degree and a bank job and went after it.

Like few people, I discovered success was not contingent on money or any tangible thing. For me, success was not an office job or a condominium suite. It was the pursuit and fulfillment of exactly what everyone wanted me to sacrifice. It was in learning the value inherent in the human being, not for doing, but for simply being. Of course, it was not until a few months after that Cameron office closing that I began to learn and really understand that and much, much more.

The lesson began the Monday after Thanksgiving last, when I was called into yet another enclosed office, only to be told that my position in the company had been eliminated. I felt devastated, numb and speechless at the same time. It was during my first contact with the unemployment office that I learned some people were not that lucky. I distinctly remember walking into the waiting area and looking into the eyes of those bold enough to take them off the floor. I could not get over all the people in that place. Men in suits. Women with degrees. Fifteen-, twenty-, and thirty-year veterans of corporations gone under or bought out.

I remember an older woman in particular who sat trembling beside me: “I feel ashamed of myself, I feel dirty and incompetent. I gave twenty years of service to that company, and all they could tell me was Friday is my last day Friday. What am I supposed to do Monday?” I quietly lowered my eyes to the floor. It isn’t appropriate to hug total strangers.

The Cameron office died last year. Four people lost their jobs. Hundreds of voices were recorded. They were all erased but one, and you aren’t supposed to hear it. I am supposed to be too busy sacrificing to tell you. Oh, OK do you know that when the last desk had been removed from that bank, and everyone had accumulated more office supplies than they ever could use for their homes, I settled for a frog pencil with big goo-goo eyes?

Somehow, I can’t help feeling I got the better end on that deal for the death of a bank comes easier than the loss of our human spark.

About the Author: Indie musician, singer-songwriter, poet, children’s book author, independent publisher, wife, mum…and lover of all things chocolate. Mallah Rych Hurst is the Editor-in-Chief at

Poree Publishing

…and makes an awesome roast. Her music can be found under the band name, SOULEPHIX.

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By Robert D. Cavanaugh, CLU

Most people do not know they can sell an insurance policy. There are companies that will pay you more than the cash value. Even term insurance, which has no cash value, is a candidate for purchase.

This transaction is called a life settlement. Life settlements have been on the scene since 1995; they are not new. While the purchase is facilitated by an insurance company, the buyers typically are pension and institutional funds which hold the policies in their investment portfolios.

Here are three common reasons why a person would sell their insurance policy

1. The policy has outlived its usefulness.

78% of all insurance is purchased for family protection. Families with children insure the breadwinner(s) until they have had the time to build up an estate or an adequate 401(k) plan to provide for the family, pay off a mortgage and educate the children. Most people have been there and done that.

However, later in life these needs may have disappeared. The house is paid for, the kids have been to college and your 401(k) plan has a balance ten times greater than your life insurance face value.

Rather than continue to pay premiums, or surrender it for its cash value, you can sell it for more than the cash value. Buy a boat, take an extended vacation or go down to the dealership and plunk down cash for that car you have always wanted.

2. The policy has a large loan.

There are three common ways a policy can acquire a large loan.

First, at some point you simply took a maximum loan against your policy. It could have been to satisfy an emergency, take advantage of an investment opportunityany number of things. But the loan was never repaid.

Second, you could have taken a modest loan years ago and never paid anything toward the principal. Every year, however, you received a bill for the interest due. If you are like many people, this goes in the round file and you never pay the interest. What happens is that the interest gets added to the loan. So what is originally simple interest turns into compound interest.

Over time, the loan and the unpaid interest can consume the entire cash value. That’s when you get the letter from the insurance company telling you that to keep the policy in force, you need to come up with some astronomical amount of money.

But that’s not the worst of it. When you call your agent to see what your other options might be, he or she informs you that if the policy lapses, there will be a gain (cash value less premiums paid) that the insurance company is required to report to the IRS. Worse yet is the fact that there is no money in the insurance policy to pay the tax (remember it lapsed for lack of premium payment and/or lack of any remaining values). So you are going to have to come up with the tax from someplace else. I don’t think you would consider getting this information one of your better days.

3. You own Universal Life and interest rates have declined.

Getting this news is another bad day at the mail box. This time the letter from the insurance company says that in order to keep the policy in force, you have to come up with more than you could get for your first born.

How this occurs goes back to when you bought your policy. One of the major factors in determining the premium for a given face amount of Universal Life is the interest rate assumption made in the original proposal. Remember the double-digit interest rates? You could have bought your policy during this time frame. Most insurance agents would have suggested using a lower interest rate assumption to be conservative. However, interest rates have declined to even below these play-it-safe assumptions.

The sale of your insurance policy averts all three of these problems. In the first case, you don’t have to pay any more premiums for coverage that is no longer needed. In the second, the problem you have with the loan disappears and is replaced by cash. And in the third, the probable lapse of the policy due to the fact that the premium to maintain the coverage is off the charts is offset by the cash received via a sale.

About the Author: Robert D. Cavanaugh, CLU is a 36-year financial and estate planning veteran and author of the free newsletter, “The Estate Preservation Advisor”. For cutting-edge, easy-to-understand financial planning resources and techniques to increase your income, reduce taxes and preserve your estate and to claim the free video, “How to Sell Your Life Insurance Policy for More than the Cash Value”, go to

theestatepreservationadvisor.com/rd/subscribe.htm

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