Redefining Retirement to Work for You

[ad_1] Save, Save, Save

Most people who are working may be fortunate to have an employer sponsored 401K or other retirement plan. Those who do not have one should think about finding a way to save for the future some other way. Savings accounts, Certificate of Deposits, and other such financial products are available and are easy enough to make automatic withdrawals in to. Savings accounts from credit unions usually offer better benefits than those from traditional banks. Find way to save a little money here and there. A good start is to take $ 50 a month and deposit it into any savings plans. At year end, there will be $ 600.00 in that account which was not there before. Deposit as much as possible to protect yourself in the future.

Part-time Work, Mentoring, Consulting

People who have worked a long time in a specific field or industry are perfect for mentoring or consultancy type jobs. Their knowledge, experience and expertise in it is very beneficial to the younger generations. Part-time work allows for additional income as does the other types of work above. Specific skills, such as accounting and transcription, will always be needed and pay well at these levels of employment. All of them add up to a little more money in the bank. Who can not use more of that?

Loss of Job or Medical Problems Cause Dip in Retirement Savings

Anyone who is in their mid-40's to 60 years old and still working, knows that there are still a decent number of years left to work. Sometimes, this does not work out. A job loss or major medical issue can waylay the best of plans. While no one wants to think if that might happen, thinking about it can be helpful. What will you do? How will you pay your mortgage, rent, and other bills? Some are dipping in to their retirement accounts to pay bills. And even though there are many "experts" warning against this, there are valid reasons for doing so. It is more important to know you will not sleep in your car than to…

Sourced from by Becca Bryan


Avoid Long Queues in Your Pharma Shop With Billing Automation

[ad_1] Pharmaceutical shops! The name automatically flashes an image on our head where a huge crowd is hustling on one side to get their medicines and a few chemists struggling on the other side to find their things from huge piles of medicines stacked up in the racks. Forget about finding the right medicines! Manually billing items for each customer make tasks more difficult for them. Further, they have a lot of things to take care of, like setting boundaries for stocks that are close to expiry, set indications for different categories, incorporating discounts on bills, providing wholesale deliveries for hospitals and clinics. All these propel the need for computerised systems in the chemist shops to help the pharmacists at least in the billing part. With fast and automated billing, they could get ample of time and feel relaxed while handling all the other vital tasks.

Here, take a look at the features included in an ERP software specific for chemists shops and know how it can help in easy and fast handling of billing and payments.

#1 Billing

The first feature included in an ERP for pharmacists is its comprehensive billing module that helps staff to keep quickly generate bills or receipts with automated entries of names, prices, discounts. This eventually reduces the time taken at the billing counter for each customer and help to get rid of long queues. Some of the billing features are:

  • Price list, Discounts & Multi-rate
  • Cash or Credit or Split Invoices & Challans
  • Sales returns/refunds & replacements on Bills
  • Party-wise/Category-wise prices, discount rates & schemes
  • Negative stock billing
  • Auto-calculation of taxes, and other levies

2 Document Printing

No doubt, a compact ERP for medical shops comes with quick document printing feature to help pharmacists as well as customers to keep records of their transactions. Some of the features included in document printing are:

  • Accounts vouchers and Cheque printing
  • Sales & purchase orders
  • Sales & purchase…
Sourced from by Rob Stephen

Career Choice Is Not What You Think

[ad_1] Your career choice is extremely important, however, your actions affect the employer. Maybe you have made a bad choice of career and want to change. Fine! Just do not take it out on fellow employees by laying out sick or taking excessive time off. Be responsible whatever the job today. Everyone in your future will want to know about your past performance, so be very careful how you take action or one day it will hit you in the backside without mercy.

How important is your job to the team?

Most of us never think about who we'd miss …. UNTIL there is a sudden change in things NOT getting done in the office or the plant. Well, when you stop to think about it ….. there are more folks than we realize who we depend on everyday of the week. I know, the first one we think about is the PAYROLL clerk who writes our weekly paycheck. Then there are others that quickly come to mind …. the coffee maker; the mail clerk; the UPS guy / gal or FEDx person; the cleaning crew and more. A BIG WOW !!

Missing persons never cross our mind before it affects our routine. Suddenly someone hollers out with who's going to make the coffee this morning? Where's the payroll clerk? One of the biggest challenges comes when no one emptied the trash cans over night.

Why is it important for EVERYONE to do their job efficiently? It's like your sparkplugs misfiring when you crank up the car, right? Just ONE dead plug and we all know something is wrong immediately. None of us like the inconvenience and challenge of poor performance with our cars or a team-mate.

Ask the question of yourself. Who would be affected in their daily routine if you failed to be on the job when expected? Are you important to the smooth running of your office; department; plant or where you accept a paycheck today? Probably very important or your "pink" slip is coming soon.

How about the CEO? Yes, he or she is very important. However, unless you are on the executive floor of the firm…

Sourced from by Don Monteith

How Secure is Your Future

[ad_1] Since the early 1980’s, corporate America has been solving their financial problems through layoffs. In 2004, they started solving their financial problems by reducing or eliminating employee pension plans and/or benefits.

We must realize that other than the Mary Kay NSD Family Security Program, most other pension plans are at risk. There is irrefutable evidence that Mary Kay Cosmetics is one of the most solid and prosperous companies in America.

We should encourage women to look toward the future to emphasize the need for establishing NSD as a long term goal to secure their family’s future.



∑ Delta Airlines has laid of thousands of employees and cut pilot salaries by 40%. Many airlines faced similar issues in previous years including United Airlines, US Airways, and Continental.

∑ Ford stopped matching funds last year on 401(k)’s.


∑ Other Delta employees had a 19% pay cut, lost some of their retirement benefits and had a major increase in medical insurance premiums.

∑ United Airlines had to turn over their employee pension program to a federal relief agency resulting in a 50% reduction in retirement benefits.

∑ General Motors is in negotiation to reduce retirement medical benefits.

∑ Motorola wiped out benefit plans for new employees.

∑ Estee Lauder is offering early retirement to employees. This is the first step toward company layoffs.

∑ 60% of US companies are either freezing or ending their pension plans according to a USA Today article on December 28, 2005.


∑ Sears froze its benefit plans starting this year.

∑ On 1/7/06, IBM announced that in 2008 new employees will no longer receive a pension plan. They are doing this to remain competitive with other companies who do not offer pension plans. Just in IMB alone, this impacts 125,000 people.

∑ On 1/24/06, Ford announced 30,000 job cuts and several plant closings.

∑ Alcoa announced that they will no longer offer new employees retirement plans so they can remain competitive.


Sourced from by Ellen Farquharson

Web Portal And Web Portals Functions

[ad_1] What are the Major Functions of Portals?

The ideal portal is based on following functionality areas:

  • search and navigation

  • personalization

  • notification

  • task management and workflow

  • collaboration and groupware

Although most of the functionality is not new, what is new is the idea that the business value of the whole is considerably more than the sum of its parts. Thus, a successful portal does not only consist of either a good collaboration support or a good integration of the information sources. Rather it consists of – just like a successful cooking recipe – a well-integrated mixture of the basic portal functionalities.

Search and Navigation

This functionality forms the basis for most of the successful public web portals meaning that a successful portal should support its users in an efficient search for contents.

A portal should:

  • automatically present its users with the information appropriate to the user’s role
  • suggest additional information to the user, and/or allow the user to voluntarily personalize the information presented by the portal

  • allow the user to search for information that was not previously known to be relevant to the user’s role, but which may be available through the portal

Provide Personalization

Personalization is vital to the delivery of appropriate information to portal users: each user gets only the information which is specifically tailored to his/her needs. Personalization should be based on user roles, as well as user preferences.

There are several types of personalization:

  • Personalization of navigation

e.g. shortcuts to specific information, mostly known as bookmarks or favorites

  • Personalization of data/content

e.g. which stocks do I want to see in my stock ticker

  • Personalization of layout

e.g. what information appears where on the screen, in which format, color or size

An important high-level distinction exists between:

  • Design personalization

the initial appearance of the portal, which may be ‘pre-personalized’ according to the…

Sourced from by Gunakesh Parmar