By the time we hit our 40s, we are supposed to have our life completely figured out. We are supposed to have a long-term partner, kids, stable jobs and plenty of money tucked away for our retirement. Well, in reality, maybe some people do. But for many of us, it’s probably more along the lines of ‘winging it’ than ‘winning it’.
We’ve created the following tips to help you towards a happy retirement.
Don’t leave your old pensions scattered around
If you have had more than 1 job, you’re likely to have paid into more than 1 pension. Whilst having multiple pensions may not be bad in itself, it can carry certain risks:
- With several pensions to manage, you are more likely to lose track of any of them and run the harsh risk of completely forgetting about them by your retirement.
- Your pensions will likely use varying strategies to invest your cash, which can lead to inconsistencies and overlaps, fundamentally leading to a poorly balanced investment portfolio and reduce your overall growth potential.
- Your pensions charge a variety of fees, some more expensive than others. This can result in you having to pay more than you need and eat into your growth potential.
Don’t pay in too little, if you can help it
Many workplace pensions are known as ‘defined contribution plans. This basically means that the amount of pension income you will receive in retirement is affected by the amount you contribute (pay in). So, paying in more now will pay off in the long term.
Of course, not everybody can afford to pay large sums into their pension every month. And it might be really tempting to believe that there is no just reason to contribute more than the standard 5% that was likely automatically set up when you linked up with your workplace pension. But paying in even just a little bit more can make a huge difference to your future retirement funds.
Throughout my years as a financial adviser I have found that typically, a 45-year-old with £30,000 in their pension postpaid in £200 a month until they reached retirement at 67, their pension pot might be worth around £120k at their retirement. But if they paid £250 a month, their pension pot may be worth around £140k at retirement. Contributing £300 a month could result in a pension pot worth around £160k.
Don’t lose your pensions
As we get older and the list of our previous jobs grows even longer, the risk of our old pensions becoming lost and forgotten further increases too. This really is no trivial matter either. It is estimated that over 1.6 million pension pots worth over £19.4 billion are ‘lost’. That is calculated at £13,000 per pension – a whole year’s worth of pension drawdowns, to pay for an essential lifestyle.
Fortunately, lost pensions can easily be found. And the quicker you act, the faster you can merge it into your main pension, ultimately making your savings far more efficient.
To locate any lost pensions, follow these steps.
- Get in touch with your former employers and ask them which pension schemes they may have had set up when you worked there. Give them your employee or payroll number, if possible, to help speed up the process.
- Contact the pension providers whose name sounds familiar, and ask them to search your records. You may need to provide your National Insurance number and DOB.
- You can also use the government’s Pension Tracing Service to track the names and contact details of your pension providers.
Top 10 Trendy Decor Ideas For Your Wedding
It goes without saying that your wedding should be a reflection of your unique style and personality. No matter what your taste, there are endless possibilities when it comes to wedding decor. If you’re looking for some inspiration, look no further! Here are 10 of the hottest trends in wedding decor at the moment.
- Globe string lights are a popular choice for any kind of wedding, whether you’re going for a romantic vibe or something more whimsical. They can be hung from trees, draped along fences, or even used to create a canopy over the dance floor.
- Wedding umbrellas are both functional and stylish. Arranging an umbrella for wedding purposes will keep you dry if it rains on your big day; plus they make great props for photos!
- Greenery is always in style, and there are lots of ways to incorporate flora into your decor. Hang garlands of greenery over doorways or use potted plants as centrepieces on tables.
- Metallics are a great way to add some glamour to your décor – consider using gold vases for your centrepieces or hang silver lanterns from tree branches.
- For a rustic touch, incorporate wood elements into your decor. Wooden signs make great photo props, and wood slices can be used as coasters for guests’ drinks.
- Macrame is having a moment right now, so why not incorporate it into your wedding decor? You can find macrame backdrops, runners, and even tablecloths online or at craft stores.
- Candles always create a romantic ambiance, so consider using them throughout your decor. Floating candles in bowls make beautiful centrepieces, while long taper candles can be used to line the aisle or path leading to the ceremony site.
- Geometric shapes are very popular in both fashion and home design right now, so it’s no surprise that they’re also popping up in weddings. Incorporate geometric patterns into your invitations, programs, or even your cake design.
- Barn doors make a beautiful backdrop for both the ceremony and reception – they also add a touch of rustic charm.
- Mix and match different textures and materials to create an interesting and unique look – velvet, leather, lace, and sequins can all be combined in interesting ways.
Start planning today!
There you have it – 10 trendy ideas to help you plan the perfect wedding decor for your big day. Whether you’re going for romantic, whimsical, glamorous, rustic or even bohemian vibes, there’s an idea on this list for you. So get creative and have fun with it – after all, it’s your big day!
10 Reasons to Hire an Event Space for Your Wedding
If you’re like most couples getting married, you probably envision your wedding taking place in a beautiful church or outdoor venue. And while there’s nothing wrong with that, more and more couples are choosing to hire an event space for their big day – here are 10 reasons why event space hire for your wedding may be the best decision you make:
You’re in control
When you hire an event space, you’re in control of every aspect of your wedding day. From the food and drink to the décor and music, you can make your wedding day exactly as you’ve always dreamed it would be.
No time constraints
One of the best things about hiring an event space is that there are no time constraints – if you want your wedding to last all night long, you can do that!
An event space offers a unique setting for your wedding that you just can’t find anywhere else. Whether it’s a historic building or a stunning ballroom, your guests will be amazed by your choice of venue.
Exclusive use of the space
When you hire an event space, you’ll have exclusive use of the entire space for your wedding day – that means no sharing with other weddings or events!
An event space gives you the flexibility to choose your own vendors, which means you’re not limited to only those that the venue offers. You can choose your own caterer, florist, band, DJ, etc., which gives you complete control over your wedding day.
An event space is completely customizable to fit your needs. Whether you want a simple setting or something more elaborate, you can transform the space to fit your vision.
Many people think that hiring an event space is out of their budget, but that’s simply not true! There are many affordable event spaces available that won’t break the bank.
Planning a wedding can be stressful but hiring an event space can help take some of the stress out of it! With one less thing to worry about (finding a venue), you can focus on other aspects of your wedding day.
An added bonus of hiring an event space is that it provides a great backdrop for photos! Your photographer will thank you for choosing such a beautiful venue.
Most importantly, when you hire an event space, it comes with experienced staff members who have seen (and heard) it all before. Nothing will phase them on YOUR special day – they will go above and beyond to make sure everything runs smoothly. This gives you peace of mind that you can relax and enjoy being surrounded by family and friends.
Start exploring venue options today
As you can see, there are many reasons to consider hiring an event space for your wedding day! From flexibility and customization to affordable pricing, an event space has a lot to offer couples getting married. If you’re looking for a unique and stress-free way to tie the knot, consider hiring an event space!
How Can You Achieve Your Fitness Goals?
Being concerned about fitness not only benefits our bodies but is also exciting. If you want to achieve the next level of fitness, then you must make goals and targets. This will help you push your limits and go beyond them! If you buy Spirit treadmills online, you will have the best piece of equipment at your home that will promote you to achieve your fitness goals. This will have a positive impact on your physical and mental health. Let us now discuss some of the best ways in which you can achieve your fitness goals.
1. Set Achievable Goals:
If you have recently seen a video or met a fitness trainer, you will be motivated to achieve high levels of fitness. However, to ensure that you are attracted towards your goal and you follow the same for a long time, you shall set these goals achievable. If you are a beginner, you might not be able to reach high targets. Therefore, know your limits and set goals that can be practically achieved. You can gradually increase the level of this fitness goal as you start being fit and healthy.
2. Enter a Competition:
Sometimes, with the hustle-bustle of our professional as well as personal life, it gets difficult to stay on our fitness goals. But if we have a driving factor, we will stay on our goals for a longer period of time. One of the best ways to stay on your goal and be interested in the same is by entering a competition. You and your friends can compete to achieve a particular fitness goal. Since you will be looking forward to winning that competition, you will continue staying the same. You can also look for some exciting competitions on several fitness applications online.
3. Set Rewards:
Setting fitness goals will be beneficial and fun for your physical health. It is essential that you look forward to such goals after completing one. Therefore, it is suggested to give small rewards to yourselves once you have accomplished a particular fitness goal. Make sure it is something that you wanted for a long time and something that makes you feel happy. The next time you get the same should be when you have completed another such fitness goal. The bigger the fitness goals the better should be the rewards. This will push you forward in your fitness journey.
4. Set a Time:
For the best results, it is suggested to set a specific time for achieving a particular fitness goal. If you set a short time for the same, you will keep working hard to achieve that goal. Else, if there is no time boundation, you will procrastinate the same. Setting a time for fitness goals will also ensure that your growth in fitness is faster. You will be able to achieve even better goals within a couple of months. Therefore, set a strict time for a fitness goal and make sure you complete the decided tasks within the same.
Important Things To Know About Event Management
As an event manager, you must consider the time and resources that you will spend on event planning. Event management software can streamline processes, freeing up staff time, and allowing your team to focus on more important tasks. It can also help you save money because it allows you to focus on the details.
Event planning checklist
While Event Management Company Las Vegas can be a challenging task, an event planning checklist will help you to keep track of every detail so that everything runs smoothly. From selecting a venue and selecting speakers to sending thank you notes and conducting post-event debriefs, an event checklist can keep you on track. Depending on the size of your event, you can create a different checklist for each area. The event planning process usually begins around twelve months in advance for large events and five or six months in advance for smaller events.
Another useful event planning checklist item is finding parking for attendees. Providing parking for your guests is crucial so that staff members can easily get to the event when necessary to pick up VIPs or collect missing items. Another important item is making sure that your event app can be used offline. If you’re allowing guests to bring their own devices, you should consider an app that allows attendees to access the agenda even when the internet is down. This is especially important if you’ll have attendees from all over the world.
Creating an event master plan
Creating an event master plan is an essential part of planning and executing a successful event. There are many different moving parts involved, so it is essential to assign responsibility and allocate resources early. The project manager should have visibility of all the moving parts and have oversight of the project. This person will manage the budget, develop a strategy, and make top-level purchasing decisions. This person will also be the main point of contact with vendors, sponsors, and venue providers. Knowing these people and where to find them will help to make the process run smoothly and effectively.
Setting up an event website
When it comes to putting on an event, setting up an Event Planning Las Vegas website is vital for a successful outcome. The website should make registration easy and keep users engaged. It should also include social media buttons to take users to the official accounts of your event. Event websites can be created using a variety of themes, including Word Press themes. Choosing a theme that meets your needs and is customizable is important.
Setting up an event website will allow you to promote your event through social media and email. You can also send out e-invites to your guests using an automated system. You can also promote your event website in other ways, such as through partner sites, search engine optimization, and social sharing. You can even embed buttons from your website on another website to drive traffic to your site.
Communicating with key stakeholders
Effectively communicating with key stakeholders is an important part of Trade Show Planners Las Vegas and management. The event manager must be aware of how these people feel about the event, and the way they want it to be perceived. Some of these stakeholders may be interested in the event for its monetary or business value, and their input may be essential in making it successful. Nonetheless, not all opinions are motivated by positive innuendos, and it is important to know how to discriminate between right and wrong feedback.
One effective way to communicate with stakeholders is by making presentations. These can be made in person or online. For online presentations, you can make use of video presentation software. Most of these applications are free to use, and they provide a simple way to communicate with stakeholders. Using video presentations can help you engage your stakeholders and manage them effectively. Using video presentations can also help you keep your audience interested.
Budgeting for event management
In order to be able to organize and run an event effectively, it is essential to have a budget. A working budget allows you to avoid unnecessary expenses and boost your income streams. It also helps you identify any redundancies and improve your management practices. Without a budget, you can easily lose control over your costs and profits.
How to Increase Attendance for an Event
One of the first things you should do when planning an event is to learn about your target audience. This information Increase Corporate Event Attendance can help you determine the right marketing strategy for your event. If you know what type of people attend your event, you can tailor your marketing strategy and design accordingly. An effective way to increase your event’s attendance is to offer early registration discounts. In fact, 64% of event planners say that early bird discounts are their most effective promotional tactic. Providing incentives for early registration is a great way to attract attendees as it shows them that you value their attendance and attention.
Social media posts
One of the most important factors to maximize attendance at your event is creating an engaging social media presence. This can be done in a number of ways, including making your event announcements as exciting as possible. This will allow potential attendees to know exactly what to expect. Your event announcements can also act as an online billboard for your event.
A successful social media campaign should also have a consistent voice and content. It’s important to keep the same tone for each piece of content, and to post regularly. Aim to post at least once per day, and do not abandon accounts if they don’t bring you the results you want.
Light box displays are the perfect way to attract attention at a special event. They are highly visible and easily set up. This makes them an excellent solution for any business wishing to promote their brand. If you are arranging an event, browse through the range of light box displays available in the market to find the best one for your needs.
When choosing a light box display, you need to ensure that it matches the branding of your event. You should select high-quality images and use complementary colours and fonts for a more appealing effect. Using a legible font will also make the display legible from a distance.
Video content is a free Increase Meeting Attendance advertising strategy. It allows you to convey the vibe and feel of the event to users, and it lets them know what to expect at the event. You can also use video to introduce speakers, warming up the interest of those who have registered for the event. You can even feature the likeness of the speaker on social media channels and tag them in posts. LinkedIn is also a great place to promote speakers. This strategy is great for thought leadership and brand-building, and many speakers prefer to use it to promote themselves. They will comment on posts promoting the event, which can help them increase their profile.
Word-of-mouth marketing is a powerful way to promote an event or product. According to a recent study, people are more likely to believe the word of a friend or colleague than that of a random stranger. Even more, word-of-mouth is more influential when it is shared by a trustworthy source.
To maximize word-of-mouth marketing, events must be well-planned and promoted. Make sure the features of the event are compelling to the audience and encourage them to share their experiences with friends. For example, a champagne toast and strawberries at registration, a no-host pop-up dinner, or selfish with speakers will encourage attendees to spread the word.
Word-of-mouth marketing also works with social media. You can leverage people’s Facebook and Twitter accounts to spread the word about your event. You can also collaborate with influencers and employees to boost word-of-mouth marketing.
Latest News2 years ago
Why You Should Invest in an Expense Management Software
Latest News2 years ago
दिल दहला देनी वाली खबर महिला ने भरे बाजार में पिया जहर साथ में बच्चे को भी दिया
business1 year ago
Turning Invoices To Cash, 1st Capital Service Offers Stability And Assurance For Invoice Factoring Services
auto8 months ago
Mac VPN: How it Improves Security
Latest News2 years ago
Finding the Best VPS Hosting for WordPress 2020
Latest News10 months ago
What are the best Balloons of 2022?
Latest News2 years ago
De Giro Stock Exchange Brokers And The Giro Eft
business2 years ago
The Importance of Wealth and Investment Management For Your Life