Calculator online – HOV Calculator http://hovcalculator.com/ Mon, 21 Nov 2022 19:55:07 +0000 en-US hourly 1 https://wordpress.org/?v=5.9.3 https://hovcalculator.com/wp-content/uploads/2021/09/icon-32.png Calculator online – HOV Calculator http://hovcalculator.com/ 32 32 Demonstration against emissions before the first workshop https://hovcalculator.com/demonstration-against-emissions-before-the-first-workshop/ Mon, 21 Nov 2022 15:30:00 +0000 https://hovcalculator.com/demonstration-against-emissions-before-the-first-workshop/ A group of East Otago farmers carrying signs have expressed their feelings about the proposed farm emissions pricing system, saying the sheep and beef industry will be lost if changes are not made. Their frustration was aimed at both Beef + Lamb New Zealand (B+LNZ) representatives and the government – ​​with organizer Hamish Carswell accusing […]]]>
A group of East Otago farmers carrying signs have expressed their feelings about the proposed farm emissions pricing system, saying the sheep and beef industry will be lost if changes are not made.

Their frustration was aimed at both Beef + Lamb New Zealand (B+LNZ) representatives and the government – ​​with organizer Hamish Carswell accusing B+LNZ of being “in the pocket of the government”.

A series of greenhouse gas calculator and action plan workshops across the country started yesterday, the first being held at Ardleigh Golf Course, on the outskirts of Palmerston.

B+LNZ partnered with Silver Fern Farms, AFFCO, Catchment Groups and Deer Industry New Zealand to deliver the workshops; the agricultural sector, through the He Waka Eke Noa (HWEN) partnership, aimed that by the end of 2022, all farmers would be required to know their greenhouse gas number, in anticipation of the implementation of an emissions pricing scheme by agriculture 2025.

The group met on the side of the road leading to the golf course, before the workshop took place, to ensure that their feelings were conveyed to the participants. Sign slogans included ”BLNZ – ​​a pine’s best friend”; ”farmers need strong advocacy”; and ”agriculture is our future”.

Mr Carswell said there would be no sheep and beef industry if HWEN continued as it was. It was “unachievable” for the farmers and he blamed himself, as did everyone he spoke to.

”We are taxpayers. They [B+LNZ] do not listen to their taxpayers; they need to listen. They are in the government’s pocket,” he said.

He wanted to make sure B+LNZ and the government understood that this was the future of the industry and that farmers needed a viable solution. Farmers also need leaders who would “properly defend” their interests, he said.

Three generations of the Roy family were represented; Bruce, who has been a farmer since leaving school in 1965, his son, Iain, and his grandson, Nate.

Bruce Roy said he “got the guts” and wondered why agriculture was being targeted.

“It’s the future they’re talking about,” he said, holding up a sign that read “no farmers, no food.”

”That’s why I’m here.”

Mr Roy thinks B+LNZ did a good job, but there was a moment when they had to say ‘this is ridiculous’.

Mr Carswell said he hoped other farmers across the country would realize their future was ‘at stake’ and stage their own protests.

Nicky Hyslop, agricultural director of B+LNZ Central South Island, later told the Otago Daily Times that the organization understood the frustrations of the rural sector. No one wanted to “pay a tax”, including the farmer administrators.

It was a decision the government made in 2019, and the organization’s job, following that decision, was to “get the best outcome” possible for sheep and cattle farmers.

There was a lot of solid discussion within the HWEN partnership, and he tried to balance the different impacts on equity.

The government had “just completely misread the room” in terms of precisely balancing that original HWEN proposal and why things like price sensitivity and sequestration were so important, she said. declared.

She thanked the farmers who had submitted comments on the proposal, saying “the government really needs to read the play here, there is a real lack of trust there”.

Farmers were reacting to a flurry of regulations – B+LNZ understood this and were frustrated with some regulations outside of HWEN. There were policies on which the government needed to be continually pushed harder to see sensible changes.

It was encouraging to see that meat companies and banks were also looking at the challenges facing the sector and identifying that there was a need for investment in research and development. That was one of the main goals of HWEN’s original proposal and it remained a strong goal, she said.

sally.rae@odt.co.nz

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Kaspersky calls for critical infrastructure to be secure by design https://hovcalculator.com/kaspersky-calls-for-critical-infrastructure-to-be-secure-by-design/ Fri, 18 Nov 2022 10:01:25 +0000 https://hovcalculator.com/kaspersky-calls-for-critical-infrastructure-to-be-secure-by-design/ Kathy Gibson reports from Jordan – Organizations around the world are being attacked by more sophisticated criminal gangs developing complex cyberattacks that are difficult to protect against. At the same time, they are extending their scope of activity to industry and critical industrial systems, explains Eugene Kaspersky, CEO of Kaspersky. To counter these threats, systems […]]]>

Kathy Gibson reports from Jordan – Organizations around the world are being attacked by more sophisticated criminal gangs developing complex cyberattacks that are difficult to protect against.

At the same time, they are extending their scope of activity to industry and critical industrial systems, explains Eugene Kaspersky, CEO of Kaspersky.

To counter these threats, systems must be secured by design, he explains.

“Unfortunately, the bad guys are very active, so we are seeing a massive increase in the daily incidence of malicious files. Our daily catch is now around 400,000. This means that there are more and more people developing malware and criminals are getting smarter.

Using automatic tools, security vendors such as Kaspersky are able to identify and mitigate these new malicious files.

“What is a problem, however, are the very complex professional attacks that we are seeing.”

Just five years ago there were less than 100 professional spy groups; there are now more than 900 developing complex malicious tools.

These groups are like Revil, known for a series of high-profile attacks on Kaseya, Colonial Pipeline and JBS.

The Revil actors were arrested in November, but there are still many more.

These attackers can only be thwarted by multi-layered protection, from multiple sources, fueled by threat intelligence.

“The good news is that we will improve our overall protection,” says Kaspersky. “Many companies left Russia, so we were forced to develop new tools to fill the void.

“We will have all the layers of cybersecurity and a complete picture of the tools needed to protect corporate networks.”

These tools will have open APIs, he adds, so organizations can also use third-party tools.

“We also have the resources: Russian IT companies are exempt from corporation tax.”

Kaspersky Threat Intelligence is an essential cybersecurity tool, Kaspersky adds. “It’s constantly being updated and refined, and is good enough for our own security experts to use.”

Victims of cybercrime are increasingly present in the industrial sector, with a 50% increase in the last year.

“This is the worst news,” says Kaspersky. “Some cybercriminals have realized that attacks on SCADA systems can also be profitable.”

That’s why Kaspersky extends its solutions to industrial cybersecurity to protect SCADA and DCS networks, sandbox industrial threats, detect anomalies in network traffic and perform PLC integrity checks.

Generally, cybersecurity works by assessing risk and protecting against the most common threats.

When it comes to critical infrastructure, damage is unpredictable, so cybersecurity cannot compensate for risk, says Kaspersky.

“Now is the time to move on to cyber-immunity.

“My definition is that a system is immune if the cost of a successful attack is greater than the damage possible – hackers therefore have a negative return on investment.

“So the system is secure by design.”

Kaspersky believes this will be possible by building on existing operating systems.

“That’s what we did: our operating systems are based on a microkernel architecture. The security layer isolated all modules. And each element of the system has a trust behavior.

“It’s in the DNA of the system.”

As an example, he points out that a calculator can only calculate – and only has access to the elements necessary for the calculation.

Even if there is a vulnerability in one part of the system, it is isolated and therefore cannot spread to the rest of the system.

“The good news is that we are able to do this, and we have the first products with our partner companies. And we are looking for new partners.

Already, hardware offerings from Tonk, Siemens, and Advantech use KasperskyOS to boost immunity in their products.

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TryTrade Review – Flexible and Efficient Online Investing https://hovcalculator.com/trytrade-review-flexible-and-efficient-online-investing/ Tue, 15 Nov 2022 07:06:26 +0000 https://hovcalculator.com/trytrade-review-flexible-and-efficient-online-investing/ FAST FACTS Minimum account: $0 Some products: Stocks, crypto, mutual funds, options, Forex, commodities, and more. Costs: $0 for stock trades Introduction TryTrade is one of the most robust online investment platforms that has been around for several years. This has earned the broker a strong position in the market, attracting a global clientele and […]]]>

FAST FACTS

Minimum account: $0

Some products: Stocks, crypto, mutual funds, options, Forex, commodities, and more.

Costs: $0 for stock trades

Introduction

TryTrade is one of the most robust online investment platforms that has been around for several years. This has earned the broker a strong position in the market, attracting a global clientele and steadily increasing daily trading volumes. TryTrade shines with superior trading resources, broader market access, and a huge selection of investment products for different types of investors.

TryTrade has continually innovated its product offerings, trading platforms and practices to appeal to a wide range of traders and investors. The broker’s strong commitment to highly flexible and efficient online investment solutions gives it a unique advantage in the industry. However, TryTrade’s geographical coverage is limited and their trading platforms can be overwhelming for beginners.

Advantages and disadvantages

Advantages

  • Superior trading tools and resources
  • A wider selection of investment products
  • Access to global markets
  • Great customer support
  • Rich educational offers

The inconvenients

  • Limited geographical coverage
  • Trading tools can be overwhelming for beginners

The benefits explained

Superior trading tools and resources

The desktop, web and mobile versions of the broker offer a range of advanced trading tools and technical features. The platforms are highly customizable, allowing you to optimize trading features to suit your needs and preferences.

Robust product offerings

TryTrade has a strong portfolio that combines various traditional assets, new asset classes and other innovative products under one roof. This gives investors the flexibility to pursue their desired investment strategies with greater efficiency.

Access to global markets

TryTrade clients have unlimited access to numerous national and international market centers, including exchanges, market makers and automated trading systems.

Great customer support

Traders and investors on TryTrade also benefit from exceptional customer support services which you can access 24/7 via phone, email, messaging and live chat.

Rich educational offers

TryTrade provides excellent educational programming that perfectly meets the unique needs of international traders and investors.

Disadvantages Explained

Limited geographical coverage

Although TryTrade is a multinational brokerage firm with a global customer base and direct access to many international markets, their services are still inaccessible in a few regions and countries. Check their website for information on supported countries.

Trading tools can be overwhelming for beginners

TryTrade offers several trading platforms with similar tools and functions. However, the platforms’ sophisticated designs and features can be complex for new traders and passive investors.

Ease of use and trading experience of TryTrade

TryTrade supports desktop, web and mobile versions. The onboarding process and navigation is relatively easy and quick on all trading platforms. The broker has constantly updated its trading platforms with unique tools and features to improve the overall user experience. Nonetheless, the broker has streamlined most of the tools and features for advanced traders.

TryTrade’s trading programs are powered by proprietary smart order routing technology that allows you to execute trades quickly at the best prices available in the market. However, you can also route orders directly to specific exchanges.

Along with the fundamental trading tools and conveniences, TryTrade’s platforms also provide several technical resources, including chart customization, watchlists, real-time data feeds, backtesting, and drawing tools. Traders can also access advanced and highly customizable analysis tools, calculators and evaluators.

Investment products

TryTrade focuses on allowing traders and investors more flexible online investment opportunities. This allowed the broker to maintain a solid portfolio, regularly adjusted according to client demand. Here is an overview of TryTrade’s product offerings.

  • Actions (long and short)
  • Bonds (corporate, municipal, CD and treasury)
  • Mutual fund
  • Crypto
  • Forex
  • Choice
  • Goods
  • Futures contracts

TryTrade offers several unique and innovative products in the above asset classes.

Supported Markets

TryTrade has an extensive network of national and global market centers accessible to all of its clients. It allows you to trade multiple assets on over 100 market centers in over 20 countries around the world.

Costs

Trading on TryTrade comes with various fees and administrative charges. However, clients are not subject to account minimums and stock trades do not incur any commission. Visit the TryTrade website to view their full fee schedule and pricing policy.

Our opinion

TryTrade shines with its superior trading resources, robust product offerings, broader market access, and excellent customer support. Overall, TryTrade is best suited for active traders and experienced investors, but novices can also take advantage of its rich educational resources and reliable customer support to gain a foothold in online investing.

Disclaimer: This is sponsored marketing content.

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National online vote will determine Euro coin design in Bulgaria – Novinite.com https://hovcalculator.com/national-online-vote-will-determine-euro-coin-design-in-bulgaria-novinite-com/ Sat, 12 Nov 2022 08:51:41 +0000 https://hovcalculator.com/national-online-vote-will-determine-euro-coin-design-in-bulgaria-novinite-com/ The design of euro the coins with the Bulgarian symbol will be chosen by organizing a national vote. This is recorded in the communication strategy for the introduction of the single European currency. It was adopted yesterday by the Coordinating Council for Preparations for Eurozone Membership and published by the Ministry of Finance. euro the […]]]>

The design of euro the coins with the Bulgarian symbol will be chosen by organizing a national vote. This is recorded in the communication strategy for the introduction of the single European currency. It was adopted yesterday by the Coordinating Council for Preparations for Eurozone Membership and published by the Ministry of Finance.

euro the coins have two sides – common, which is for all countries, and national, on which each eurozone member state has its own recognizable and iconic image.

The communications strategy states that a competition will be announced for the images of one and two euro coins, as well as 1, 2, 5, 10, 20 and 50 euro cents.

The top five entries will be put to a national vote, and they will be selected by a “specially qualified jury and/or online voting“.

For an image to be represented on a piece of moneythere are a number of technical specifications that must be met.

The communication campaign includes a number of events, as well as the sending of non-personal letters containing information on the introduction of the euroon the security functions of euro banknotes and coins, on the possibilities of currency exchange and other technical requirements for change.

In the letters there will be cards-calculators, through which each citizen will be able to clearly understand how the calculation of the values ​​​​of BGN to euro will be carried out“, is also written in the strategy. Mobile messages are also planned, as well as Euromobile – “a specially marked car/bus to travel across the country within 100 days before the introduction of the eurofor information purposes on currency“.

The campaign logo and slogan will also be chosen after a contest with a prize pool. Its main objective is transparency and public awareness.

The target date for the introduction of the single European Union currency is January 2024.

Follow Novinity.com on Twitter and Facebook

Email us at editors@novinite.com

Информирайте се на Български – Novinity.bg

/BNR

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IT News Online – vivo releases Funtouch OS 13 based on Android 13 for overseas users https://hovcalculator.com/it-news-online-vivo-releases-funtouch-os-13-based-on-android-13-for-overseas-users/ Thu, 10 Nov 2022 10:39:49 +0000 https://hovcalculator.com/it-news-online-vivo-releases-funtouch-os-13-based-on-android-13-for-overseas-users/ Africa Newsroom2022-11-10 vivo (https://www.vivo.com) has officially launched the new Funtouch OS 13 for users in overseas markets. Based on the all-new Android 13, this upgraded operating system combines vivo’s design-driven value with new and improved customization options, enhanced privacy and security features, and new control features for a smoother experience. and uninterrupted. vivo not only […]]]>
Africa Newsroom
2022-11-10

vivo (https://www.vivo.com) has officially launched the new Funtouch OS 13 for users in overseas markets. Based on the all-new Android 13, this upgraded operating system combines vivo’s design-driven value with new and improved customization options, enhanced privacy and security features, and new control features for a smoother experience. and uninterrupted. vivo not only strives to provide users with an effortless experience, but also seeks to empower them to express their creativity and uniqueness through their devices.

Add a personal touch to your screen

Funtouch OS 13 gives users better visual control of their home screen. With the monochrome icon feature, users can now change the color of their home screen icons to match their wallpaper, system and app interfaces, unleashing their creativity and self-expression. .

In addition to this, the new system allows users to customize the colors of their system’s user interface and built-in applications, including their notification panels, volume control, calculator and clock. It can use users’ favorite wallpaper and theme color to determine the appropriate color tint, applying it to the app interface to transform the device with a more personal look and feel.

Additional protection and security

The new app pinning feature helps secure sensitive data, giving users greater peace of mind about their security and privacy. When another person is using the device, the two-level pinning feature keeps the chosen app in view and prevents access to other apps on the device. This feature allows for greater flexibility, allowing the owner to define settings and control what actions are allowed in the pinned app when other people are using the device.

This update also allows users to hide photos and videos as well as selectively choose which apps have access to specific photos, preventing unwanted viewing on their devices and further improving privacy protection. .

Improved controls and easy-to-use features for added convenience

To create a more streamlined experience for vivo users, the Funtouch OS 13 also features enhanced app management, iManager, which can specifically help monitor app usage time. If the CPU usage is too high, users can close this app with just one click. iManager can also prevent overheating by reducing the number of active apps and adjusting CPU frequency according to the phone’s cooling feature.

In addition to weather updates, the dashboard also includes an AQI map for health-conscious users who want to instantly check the latest air quality information with a detailed PM2.5 index available.

With vivo’s well-known high-end mobile photography experience, further photo and video upgrades are to be expected. The professional viewfinder makes photography easier with a new stabilization ring that helps mitigate the effects of shaky hands.

The new operating system has also refined the video editing process, allowing users to mute the video while editing the footage and even make precise volume adjustments to each segment of the video, making it easier to create. professional quality videos.

In terms of accessibility controls, improvements have been made with color correction and inversion, as well as the ability to remove animations for users with specific needs, such as visual impairments.

Funtouch OS 13 will be available from October 24, 2022, starting with the X80 Pro. vivo will gradually bring Funtouch OS 13 to more users around the world with the most innovative experiences ever.

Distributed by APO Group on behalf of vivo.

About Vivo:
vivo is a technology company that creates innovative products based on design-driven values, with smart devices and smart services at its core. The company aims to build a bridge between humans and the digital world. Through unique creativity, vivo brings users more and more convenient mobile and digital life. In line with the company’s core values, which include Benfen*, user orientation, design-driven value, continuous learning and team spirit, vivo has implemented a sustainable development strategy with a vision to become a healthier and more sustainable world-class company.

While gathering and developing top local talent to deliver excellence, vivo relies on a network of R&D centers in Shenzhen, Dongguan, Nanjing, Beijing, Hangzhou, Shanghai and Xi’an, focusing on the development of advanced technologies. art consumer technologies, including 5G, artificial intelligence, industrial design, imaging system and other emerging technologies. vivo has also built an intelligent manufacturing network (including those authorized by vivo), with an annual production capacity of nearly 200 million smartphones. To date, vivo has expanded its sales network to more than 60 countries and regions, and is loved by more than 400 million users worldwide.

*“Benfen” is a term that describes the attitude of doing the right things and doing things well, which is the ideal description of vivo’s mission to create value for society.

Stay informed of the latest vivo news at https://bit.ly/3Ejy44y

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Why You Should Use an Online Business Loan Interest Rate Calculator https://hovcalculator.com/why-you-should-use-an-online-business-loan-interest-rate-calculator/ Mon, 31 Oct 2022 16:40:48 +0000 https://hovcalculator.com/why-you-should-use-an-online-business-loan-interest-rate-calculator/ Introduction Unsecured loans that can be used to expand a new or existing business are called “business loans”. It’s a great option whether you need money to hire new employees, expand your business into new markets, invest in state-of-the-art equipment, or pay off all your obligations. Today, a large number of banks and NBFCs offer […]]]>

Introduction

Unsecured loans that can be used to expand a new or existing business are called “business loans”. It’s a great option whether you need money to hire new employees, expand your business into new markets, invest in state-of-the-art equipment, or pay off all your obligations. Today, a large number of banks and NBFCs offer business loans at affordable interest rates.

As a business owner, you will eventually need access to business financing, whether you are starting or expanding your business. However, due to the variety of business loan programs available, it can be difficult to evaluate them effectively and choose the best one for your business.

This is where an online interest rate calculator for business loans can come in handy. You can quickly compare the interest rates and payback periods of several business loan options by entering a few crucial details. It can help you make a more informed choice about which business financing option is best for you and your business.

Features and Benefits

These online business loan calculators sound useful, but why exactly should you use them? Let’s take a look at some of their benefits and features for you to enjoy-

1. Availability

You can use a business loan calculator at your convenience, when it suits you. The calculator is accessible 24 hours a day. You do not need to make an appointment with a financial adviser or a bank official. You can explore your business financing options at your own pace.

2. Speed:

It’s quick and easy to use an online interest rate calculator. You can quickly gain a thorough understanding of the business loan market and the many options available.

3. Usability:

You don’t need any corporate financial expertise or experience to use one, because they’re incredibly user-friendly.

4. Cost:

There are no additional charges. Business loan calculators are available for free online.

5. Accuracy:

The results are reliable, so you can be sure of their accuracy. The calculator uses real-time data from many corporate finance providers, so you can get accurate results.

6. Better money management:

Even though it is a small business loan for an MSME, you can better understand the cost differently. This can help with more effective financial planning for your business and more informed business expansion decisions.

7. More options:

You have access to a variety of business financing solutions from many providers. As a result, you can evaluate the loans and choose the best one for your business.

8. Improved Transparency:

Moreover, it helps to make the corporate finance market more transparent. Easy-to-read comparisons of various products allow lenders to start competing on price and providing customers with better deals.

9. Save time:

Submitting a business loan application can take some time. By quickly and simply determining the ideal market offers, he can save time.

10. Get professional assistance:

There is usually a professional available to help you if you have any questions about using the business loan calculator or would like help understanding the results. The website that hosts the calculator normally offers this service free of charge.

How Online Business Loan Interest Rate Calculators Work

Now, after learning the usefulness of these online business loan calculators, many of you would be curious to understand how they work and how you can use them to your advantage. So let us see the working process of these calculators-

Simply enter the amount you need to borrow, the purpose of the loan, and the period on the business loan interest rate calculator website you have chosen. After that, you also need to enter your annual income and your company’s credit rating. Subsequently, the calculator will produce results that display the interest rates and terms of several business financing solutions.

Now all you have to do is carefully compare the results, you can select the best business financing strategy for you based on the interest rates you are comfortable with and that also meet your business needs. .

Eligibility criteria for business loans

A business loan calculator is a great tool, but before you can use this tool, you need to know whether or not you are actually eligible for a business loan. There are certain criteria you must meet to be eligible for business loans-

  • Physicians, chartered accountants and other professionals who work for themselves include self-employed non-professionals like traders and manufacturers.

Documents required when applying for a business loan

After verifying your eligibility for the business loan, you must first prepare some necessary documents to support your application. These professional loan file are-

  • First, the loan application form must be filled out completely, including all required information and a passport-size photo.

  • In addition, you must present an identity document. Passport, MAPIN card, voter card, driving license and PAN card.

  • Aadhaar cards, voter identification cards, ration cards, telephone bills, rental contracts and electricity bills are examples of proof of address.

  • To apply for the loan, you must also provide financial documents. two years of computer reports, six months of bank account statements and two years of P&L and balance sheets audited by a chartered accountant.

  • The final set of business loan documents you need to upload is proof of age, such as a passport, PAN card, or voter registration card.

Conclusion

Now that we’ve covered everything you need to know about business loans and business loan calculators, you should be able to make an informed choice about your business financial needs.

FAQs

Q. What exactly is a business loan?

Borrowed money that can be used to help an existing or new business is known as a business loan. The money can be used to hire additional workers, expand the business, buy equipment, increase working capital, and other things.

Q. Can I get a business loan without providing collateral?

A business loan is an unsecured loan. So, you can get a business loan without providing any collateral.

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Press Awards – Times News Online https://hovcalculator.com/press-awards-times-news-online/ Thu, 27 Oct 2022 14:20:59 +0000 https://hovcalculator.com/press-awards-times-news-online/ It looks like just yesterday, high school football teams were conducting preseason practices two days a day and hosting media days in preparation for the 2022 season. It doesn’t seem possible, but tomorrow night the regular season comes to an end for all nine schools in the Times News coverage area. The season has been […]]]> ]]> North West workers most likely to seek pay rises online – FE News https://hovcalculator.com/north-west-workers-most-likely-to-seek-pay-rises-online-fe-news/ Tue, 25 Oct 2022 12:33:32 +0000 https://hovcalculator.com/north-west-workers-most-likely-to-seek-pay-rises-online-fe-news/ A recent study by human resources and payroll software provider Ciphr found that more people living in the Midlands and North of England are seeking information and advice about the cost of living crisis online than anywhere else. United Kingdom. However, when it comes to researching the topic of wage increases, workers in the Northwest […]]]>

A recent study by human resources and payroll software provider Ciphr found that more people living in the Midlands and North of England are seeking information and advice about the cost of living crisis online than anywhere else. United Kingdom.

However, when it comes to researching the topic of wage increases, workers in the Northwest are the most prolific.

Ciphr has analyzed Google data for some of the UK’s most popular search queries on the subject of pay rises, such as “how to ask for a pay rise”, “pay rise calculator”, “raise salary 2022” and “salary increase”. letter template’ (over 60 keywords in all) – to find out which cities and towns in the UK average the most searches per person.

According to the results, half of the top 10 cities that generated the most pay rise-related search queries (per 10,000 people) between July and September this year are located in the North West. When looking at the top 25 towns and cities, more than a third (36%) are in the North West (and in the top 50 they make up just over a quarter of the list) – this which perhaps suggests that workers in this region, above all others, may be less satisfied with their wages.

Notably, 90% of the top 10 towns and cities (and more than two-thirds of the top 25) have below-average full-time salaries.

Residents of Walsall in the West Midlands, for example, who are responsible for the most searches (102 per 10,000 people) for terms related to pay rises, earn an average of £548.20 a week, according to the latest annual earnings data available from the Office for National Statistics (ONS). That’s well below the UK’s national average of £611 a week for full-time workers, while the average UK hourly rate is £15.65.

The 25 cities and towns with the most Google searches for pay rises per 10,000 people, ranked from highest to lowest number of searches over the past three months (July-September 2022), are:

Derry, Aberdeen, Swansea, Newport and Dundee are the top five cities in Northern Ireland, Scotland and Wales where internet users are most likely to have searched for pay rise content (Derry s is ranked first with 49 searches per 10,000 people, while Dundee had 41 searches per 10,000 people).

The UK cities with the fewest searches per 10,000 people were London (average of 22.6 searches per 10,000 people), Poole (22.5) and East Kilbride (17.3).

What a difference a year makes

Looking at data for the UK as a whole, interest in pay rises has nearly doubled this year as soaring inflation has dented the real earnings of many workers.

There were 422,290 searches for pay rise-related terms between October 2021 and September 2022, a 97% increase from the previous 12 months, when there were 214,420 searches.

Monthly searches for “salary raise” were also significantly higher – up 67% in September 2022, compared to September 2021 (31,890 vs. 19,070).

March 2022 holds the record for the most average monthly searches this year at 53,810, with search interest possibly sparked by the Bank of England’s warning that UK inflation was on the rise. point of reaching 8% (it is currently running at 10.1%).

March is also the end of the year for many employers, with pay reviews often taking place around this time. Interestingly, the most frequently asked ‘pay raise’ question on Google – ‘how to ask for a raise’ – saw a 50% increase in average monthly searches in March 2022 (5,400), compared to March 2021 (3,600).

Which workers are googling pay raises?

While it’s impossible to identify the people seeking information in these queries, Ciphr’s research revealed which organizations and occupations appear most frequently in pay raise searches.

The NHS, which employs more than 1.3 million staff, appears most often in the top 300 search results, with 159,850 searches per month over the past year.

Interest in pay rises related to the public sector, local government and teachers was also popular, averaging more than 25,000 searches per month. Searches for nurse pay raises come in fifth, with 10,440 average monthly searches.

Supermarket chain Tesco, police, MPs, the civil service and PwC complete the top 10, with more than 6,500 pay rise searches per month each.

Commenting on the results, Claire Williams, Director of Human Resources at Ciphr, said:

“It’s no surprise to see these recent results and I’m sure most employers are very aware that this is an incredibly nerve-wracking time for employees across the country.

“People are understandably concerned about the impact of the rising cost of living and for many this means not only a reduction in their disposable income, but also an impact on their ability to keep paying the bills. This can cause an enormous amount of stress and anxiety, which in turn can impact health and well-being.

“If employees aren’t happy with their rate of pay or are worried about the impact of the rising cost of living, I urge them to be transparent with their employer and talk to them about their situation. Be realistic about salary expectations, especially if the company already has salary review processes in place that should be considered. Consider what steps you could take within your organization to increase your salary – could you take on additional duties or responsibilities, perhaps, or another higher role or position?

“Even if the outcome is not what you were hoping for at the moment, the conversation will hopefully still have a positive impact and your employer will be more aware of what you are looking to gain or achieve.” How the company reacts to knowing you’re a flight risk can also help you make longer-term decisions about whether they’re the right employer for you.

Williams adds, “Employers have a delicate balancing act to perform. They will be acutely aware of the impact of the rising cost of living on their employees and may already be seeing an increase in turnover as employees seek work elsewhere for more money. Organizations also see their costs rise and possibly a drop in revenue as customers become more cautious. They will therefore also think about the best way to protect the financial health of their organizations and, above all, the jobs of their employees.

“However, there are many steps employers can take to mitigate the financial impact on their employees, particularly when wage increases in line with record inflation are not a viable option. Start by fully exploring all the features of your existing benefits, as many include partner products such as discount shopping sites and cash back. It’s also worth exploring benefits that impact employers at low cost, but can help employees spread the cost through technology loans, travel tickets, bicycles, and even cars. Interact with your benefits providers to see if they can offer financial wellness seminars to your employees, and research to share helpful tips and information from the wealth of online resources available.

Ciphr analyzed thousands of online search queries for pay raises using KWFinder and Semrush in October 2022. Full study results are available at https://www.ciphr.com/cost- of-living-crisis-statistics/#pay-monte.

Ciphr is a specialist provider of cloud-based HR, payroll, recruiting and learning software. More than 600 organizations use Ciphr’s integrated human resources and people management solutions to help manage, retain and engage staff more effectively, while reducing the administrative burden on busy HR teams.

For more information, visit www.ciphr.com.

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Northwest Territories Creates Online Benefits Calculator to Clarify Proposal https://hovcalculator.com/northwest-territories-creates-online-benefits-calculator-to-clarify-proposal/ Thu, 20 Oct 2022 22:04:47 +0000 https://hovcalculator.com/northwest-territories-creates-online-benefits-calculator-to-clarify-proposal/ The Government of the Northwest Territories has created an online calculator and again pushed back a deadline for feedback after sustained criticism of proposals to change health benefits. The territory is proposing changes to the benefits system that covers people who cannot access health coverage through work or other forms of government insurance. Estimated that […]]]>

The Government of the Northwest Territories has created an online calculator and again pushed back a deadline for feedback after sustained criticism of proposals to change health benefits.

The territory is proposing changes to the benefits system that covers people who cannot access health coverage through work or other forms of government insurance.

Estimated that 2,200 NWT residents do not have access to benefits, the territory says its proposal “will ensure that all residents who need health benefits will be able to get them.”

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But some residents say the territory has glossed over how its proposal, which eliminates the Specified Illness Program, would require some people with critical illnesses to pay out of pocket before benefits take effect.

The NWT Disabilities Council is the latest group to criticize the proposal.

Denise McKee, the council’s executive director, said the GNWT’s suggested new approach “would lead to built-in discrimination, is oppressive and does not reasonably understand…the disastrous consequences for people with disabilities.”

McKee said the proposal could force low-income families to pay deductibles and copayments out of pocket, exhausting third-party insurance before receiving territorial benefits.

The Disability Council is also concerned that the proposal appears to require people to take out liability insurance, which may be difficult or impossible to acquire under certain conditions. The council says preventing people from accessing government benefits if their pre-existing condition prevents them from buying third-party insurance would threaten a Charter violation.

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“Even when insurance is approved, residents with pre-existing medical conditions may be subject to higher premiums and deficient coverage compared to residents without pre-existing conditions. This can have multiple negative consequences,” the council wrote.

Finally, the council said it was not “antithetical” to provide benefits to the point of providing benefits.

“This creates a real risk of poorer health outcomes, decreased labor force participation, increased social isolation and increased reliance on state-sponsored supports,” the council concluded.

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More Comic Examples

On Thursday, the Department of Health and Human Services pushed back its deadline for feedback to November 23, having already moved the deadline once after earlier criticism.

This criticism related to the absence, in the documentation accompanying the proposal, of any examples highlighting the ways in which some people might have less access to benefits. All examples focused on residents whose access would increase.

“Additional examples, as well as a calculation tool, have been developed to help residents understand how the proposed changes will affect them,” the territory said in a news release.

“A virtual town hall will be held in mid-November to explain the proposed changes and answer questions from citizens. Details of the town hall event will be provided in the coming weeks.

More: GNWT Health Benefits Proposal Feedback Webpage

The GNWT website for the proposed changes now includes several additional comic book examples, which attempt to address several scenarios that critics of the proposal had raised.

The online calculator, meanwhile, asks residents for basic details related to income and status, then displays your annual deductible, family maximum, and copayment.

The deductible is the amount you must pay in drug costs before territory benefits kick in, in which case many people will be asked to pay a co-pay until they reach the family maximum, after which the benefit program covers all drug costs. for the rest of this year.

A single resident with an annual income of $40,000 has no deductible. They immediately receive benefits according to the calculator, paying a 30% copayment until they reach an annual expenditure of $600, at which point the benefit program takes over entirely.

A resident earning $70,000 has a deductible of $1,100, which means they pay that amount in drug costs before the co-pay process begins. The annual maximum for them is $2,000, in which case the territorial program pays in full for the remainder of the year.

A household with a net income of $200,000 has a deductible of $8,000, according to the calculator: if that’s you, you pay out of pocket up to $8,000 every year. After that, there’s no co-pay – when the $8,000 cap is reached, the territory’s benefits program pays next.

The territorial government adds a disclaimer that the calculator is only a tool used to estimate costs. The tool “represents the current proposed changes…and is not intended to address all unique situations,” the website states.

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To plan for your retirement, look beyond online income calculators https://hovcalculator.com/to-plan-for-your-retirement-look-beyond-online-income-calculators/ Wed, 19 Oct 2022 10:00:00 +0000 https://hovcalculator.com/to-plan-for-your-retirement-look-beyond-online-income-calculators/ just a bunch of numbers Getty We’ve all heard of the problems with relying on numbers: garbage in, garbage out; liars make figures, and figures lie; 87.2% of statistics are made up; And so on. Still, some people plan their retirement income by answering certain questions in an online calculator, reviewing the results, and checking […]]]>

We’ve all heard of the problems with relying on numbers: garbage in, garbage out; liars make figures, and figures lie; 87.2% of statistics are made up; And so on. Still, some people plan their retirement income by answering certain questions in an online calculator, reviewing the results, and checking the box indicating that their retirement planning is complete. They think they are good because the software says so.

Retirement income planning starts long before you calculate the numbers. You may know when you want to retire How many you wish to receive each month, and What you want to retire. But before you decide you’re ready to go, you need to consider some key planning variables: in particular, how you feel about returns, taxes, timing and risk. In other words, what do you expect to earn from your investments, how much of your income will be taxed, how many years will you need that income, and what could go wrong and change your goal of retirement income? Answering these questions not only helps you calculate whether you’ll have enough in retirement, but also makes it easier to develop strategies that will make your plans more realistic and secure.

So before calculating retirement income numbers, consider first grappling with the assumptions you’re using and what you think of them.

Return

Once you start decumulating your retirement investment portfolio, you use a new set of assumptions. Of course, you always want to maximize your return while minimizing your risk. But your yield is not what appears on your brokerage statement – it is how much you pay yourself each month. And the risk is that you run out of money before you run out of oxygen. Also, since you’re decumulating your portfolio in order to maintain a standard of living in retirement, the return on your portfolio assets really needs to be viewed in terms of the spread – what’s the spread between what you’re earning on your assets and cost of living? Since you can’t invest to get out of an income shortfall in retirement, it makes sense to aim for an overall return on assets a few percentage points higher than the rise in inflation. Tactically, this leads to two approaches. If you are risk averse, lock in sources of income that you cannot survive, such as buying annuities. If you are risk tolerant, invest for a positive spread generated by a diversified portfolio of fixed assets and equities. Whichever route you take, have a backup plan in case inflation or bad markets unexpectedly eat away at your wealth.

Taxes

Retirement income is an after-tax proposition. Retirees need to know how much they will have, in the hand, to be spent each month. The challenge is that retirement taxes are insidious. Pre-retirees assume that their earned income will disappear once they leave work, and with that, most of their taxes. The problem is that there are retirement-centric taxes lurking in the background, like Social Security’s tax torpedo and Medicare’s Monthly Income-Related Adjustment Amount (IRMAA). And for more affluent retirees, there’s net tax on investment income and federal estate and gift tax. Although it’s a maze of complications, there are four guiding principles that can help you figure out how you feel and handle tax planning:

– Although taxes are unavoidable, amount tax that a retiree pays is highly subject to planning. With ongoing tax management, you can legally reduce your taxes in retirement, often by a considerable amount.

– Your taxes will not be the same each year after retirement. There are age-based taxes such as Required Minimum Distributions (RMD), IRMAA, and Social Security Provisional Income Tax. Tax planning is not a one-size-fits-all strategy.

– Asset location – in other words where, not How? ‘Or’ What, your money is invested – has a dramatic effect on how much and when you pay taxes. Typically, retirement assets are found in taxable accounts (your after-tax investments), tax-deferred accounts (your IRAs and 401(k)), and/or tax-free accounts (primarily your Roth IRAs). Each month, your after-tax net retirement income will depend heavily on the account you draw on.

– Finally, the higher your net worth and income, the higher the proportion you are likely to pay in taxes. It is not just a function of higher marginal tax rates associated with increases in income. It also concerns taxes and surcharges for wealthy individuals. This includes so-called “precipice” taxes – such as the IRMAA or the gift tax – where an extra dollar leads to a tax increase of around 40%.

Hourly

How long will you live in retirement? Web calculators often assume that you will retire at 65 and die at 90. Is this realistic in your case? First, define “retiring”. There is a trend towards phased retirement where the worker downsizes, continuing his job for several years for reduced earnings. This added wrinkle affects Social Security filing, tax strategies, and health insurance decisions. Second, for married couples, the calculation of retirement income changes significantly. Not only are you dealing with two life expectancies, but there are also bizarre tax and benefit rules regarding the death of the first spouse.

In today’s environment where employers primarily offer defined contribution plans such as 401(k) plans, a key timing challenge is that your retirement income payments may not match your life expectancy – your income can stop before you do. Americans have far fewer sources of guaranteed lifetime income than in the past. They have Social Security and, if they’re lucky, a defined benefit pension plan. Otherwise, most retirees turn to their 401(k)s and investments for systematic income withdrawals. This means that the individual, not the employer, bears both the risk of investing the 401(k) product and matching their withdrawals to life expectancy.

For many retirees, major sources of income will be periodic. Examples include installment payments from the sale of a business, life insurance cash value withdrawals, reverse mortgage payments, deferred compensation arrangements, and other income streams that are terminated. You need to prepare for a time when some of your sources of income will stop but you will still be alive.

Risks

When you retire, the risk remains. But like a snowflake, no retiree has the same risk profile. That’s why a standardized retirement income calculator can’t get you there. Before you lock in your plan, ask yourself what risks you’ll face in retirement and which ones are particularly relevant to you. It may be helpful to divide common retirement risks into groups:

– Survive your Resources is obvious, but its causes are not. Beyond living longer than expected, other culprits can be inflation and spending more than is sustainable.

– Risks related to aging can be misleading. Rising health care costs are clearly a monetary risk, but there are also expenses associated with frailty and long-term care. Sometimes it’s the little things that can break a budget – meal preparation, financial assistance, making your home wheelchair accessible. Everything adds up. And with aging also comes the particularly frightening proposition of elder abuse.

– Investment risks are always a concern, but the sequence of return risks is particular to retirement planning. The problem here is when you retire. The risk is that your portfolio will experience lower returns just as you retire and start to dip into your assets. Let’s say you retired a year ago. You may have withdrawn 4% from your 401(k) for retirement income, but your underlying assets may have shrunk by 20% due to the current poor stock market. When this happens early in retirement, there is little opportunity to recoup those losses; Remember that your portfolio is intentionally decumulated to meet your retirement income needs.

– Occupational and family risks are specific to each retiree. With work, issues may include forced early retirement, loss of employability during phased retirement, or employer insolvency. With family, the big issue is often the loss of a spouse, but there is also the risk of unexpected family responsibilities like raising a grandchild. These family risks are not only difficult emotionally, but also financially.

Retirement risks do not lend themselves to easy analysis. For example, who can predict variables such as the Social Security system running out of money or increasing health insurance premiums? Although retirement planning software can do incredible things in calculating income and creating investment and tax strategies, there is no algorithm that can accurately quantify your retirement risks and predict what you will be facing. think.

Before doing the numbers

Retirement income planning needs to be put into context. You are blessed with choices in how you approach creating your standard of living during your golden years. You have a say in investment, tax planning and risk management. You can look ahead and assess your prospects, prospects and opportunities. The challenge, however, is that much of this problem must be solved before the numbers can be calculated. Ask yourself the tough questions, guess the best assumptions to use, then work your magic with retirement income software.

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