You’ve worked hard your whole life. You’ve saved up, you’re ready to settle down and retire, but you don’t exactly know what’s in store with your state pension. Before you get to retirement age, you should know exactly what’s happening with your pension funds!

When it comes to UK pensions, the triple lock guarantee is what’s currently in the news. The triple lock was created to make sure you could buy what you needed with your pension once your reach retirement age. But what exactly is the triple lock program, and what is going on with it right now?

Pension Basics

Pensions are set aside so that you can pay into state funds during your working years, and take from them when it’s time to retire. It’s not exactly playing the stock market, which can actually take longer than you think to hit it big, it’s more like a government run foundation for your retirement funds.

The current pension plan, known as the triple lock pension plan, will make sure that pensioners get a certain amount of money for their retirement based on inflation rates. The amount paid to retirees will then grow with the rate of inflation over time.

The Triple Lock Pension

Created by the Coalition government in 2010 and 2011, this pension plan was a guarantee to increase the pension payments at a steady rate. The Conservative-Liberal Democrat government from nearly a decade ago decided that the idea was to keep pensioners from suffering from the random increases in pensions that happened in the early 2000’s. 

  • The triple lock keeps your pension growing at the same rate as inflation. 
  • This makes is so you can get the same amount of food, goods, services for your money as the year before.
  • This leaves the 75p a week rise in state pensions at the door! 
  • This pension plan makes it so your income isn’t deteriorated by the increasing cost of living in the UK.

The triple lock pension is great on paper, but the reason it’s in the news lately is because the overall price it costs to make this guarantee a reality.

The State of Your State Pension

Because the Triple Lock will cost tax payers an estimated £45 billion in a little over a decade, there is a huge debate over whether it should stick around! Knowing whether you can rely on the triple lock for your retirement income should be priority if you’re at the age of retirement right now.

The current pension was to increase to 6.6% of GDP (gross domestic product) two years ago in 2016 and expected to rise to 8.5% of GDP by the year 2060. However, after 2060, it is predicted that the Triple Lock plan will go down to 8.1% if a cheaper pension is put in place.

However, if retirement isn’t in the cards in the next few years, there are other alternatives that are on the table for state pension plans. 

Alternatives

There are plenty of private alternatives for saving for your retirement, but when it comes to the state pension plan, there are tons of options up for discussion. Discussions for reducing it to a double lock, or moving it from a 2.5% minimum growth per year to a smaller growth per year, is being heavily considered 

However, trying to predict the rates of inflation can be extremely tricky! Although there are lots of benefits of online gaming, and you can hit it big on the jackpots, you shouldn’t rush out the door to gamble your pension away! 

Keep an Eye Out

With a growing society, and many people living for longer, the UK’s elected officials have a lot to consider. From the overall cost, to all of the technicalities of predicting inflation, you should look out for your future by keeping an eye out on what is happening with your pension!

You can check on your pension now, or you can watch the news to see what your future income will be like when you retire. Either way, a lot of changes may be on the horizon for your gold year financials!

Rainbow Jackpots Review

By Pete | @kingpetey | 03 Jan 2019

Ireland is famous for its lucky leprechauns, golden horseshoes, pots of gold and four-leaf clovers. Combine them and they make for very popular slot machine games.

You’ve probably played Rainbow Riches and Slots O’ Gold in the past, but another Irish-themed slots game that is growing in popularity is Rainbow Jackpots. Developed by Red Tiger Gaming, this slot machine features all you would expect in an Irish-themed game, plus more.

All three of these aforementioned games can be played for free in practice play, and for real money at many reputable online casinos, such as: https://games.paddypower.com/game/rainbow-jackpots-grt. You can decide for yourself if Rainbow Jackpots gives Rainbow Riches, Slots O’ Gold and the other similarly-themed games a run for their money.

Rainbow Jackpots is a five-reel, four-row 20 paylines slot game that offers a progressive jackpot too, meaning you can win a life-changing sum in a single play, one that often tops the £1 million mark. The progressive jackpot increases with every bet that every player makes on the game.

The visuals are simple and brightly coloured. The symbols are against plain white reels within an archway carved and decorated in a Celtic style. The soundtrack includes cries of encouragement from the lucky leprechaun’s Irish accent. This game is colourful and cheerful just as you’d expect from any Irish-themed slot machine.

The 10s, Jacks, Queens, Kings and Aces represent the lower value cards on the reels. The lucky leprechaun is the game’s scatter symbol which can be substituted for other symbols to make bigger winning combinations. Other symbols include pipes, pots of gold and pints of stout, with three scatter symbols unlocking the opportunity to win up to 100 free spins. If the animated leprechaun appears on the screen, he blows his pipe and this upgrades you to a Mega Free Spins feature.

Gold coins represent the wild symbol in this game. Roll five of them to enter the bonus rounds to be in with a chance of winning the progressive jackpot.

One of the best features in this game is the Beer Bonus. Here you can win up to 100x your stake. But if the lucky leprechaun appears again, he upgrades you to 1,000x in the Triple Beer Bonus feature. The leprechaun can certainly help you to win bigger, random prizes.

Rainbow Jackpots can be played from £0.20 per spin and is available on desktop, tablet and mobile devices. This means you don’t have to be in Ireland to play it! In fact, if you have the internet connected to your table or mobile device, you can play it from just about anywhere and everywhere! That could be down your local, on public transport or even whilst waiting for your meal to be served at a restaurant if you so desire!

Everyone enjoys a slot machine that features a lucky leprechaun and pots of gold and Rainbow Jackpots certainly offers its own uniqueness to the growing list of Irish-themed slot machines. It’s certainly one not to give a miss.

“Back in the day” is a familiar phrase for those reminiscing about times past. We reflect on how things used to be, and how times have changed. For solicitors, especially local solicitors, the phrase couldn’t be any more apt today if you wanted it to be.

In these times, a local solicitor was found under the local directory books (Yellow Pages, Thompson Local etc.), or through adverts in the local newspaper. If you could afford it, then an ad shell at a bus stop or on the side of the wall were other ways that big budget spenders could grow knowledge of their law firm, locally. 

Advance to today, and the opportunities for reaching both local, regional and nationwide clients are endless. For the client themselves, it’s never been easier to find the right solicitor for you, one who may not necessarily be local, but fits the bill for what you’re looking for. 

It’s not about locality, it’s about the law subject of advice you need

No longer is there a need to pick your law firm based on their locality to your home. Thanks to digital media, social media and of course, the internet, you can find the perfect solicitor nationwide. Because now it’s based on their level of expertise in a specific law area, not location. 

For example, even when based in Altrincham, but might find that a Bury based solicitor focusing on an injury at work claim is a better fit for your claim, due to your need for their specific expertise in that area.

Communication is key, too. Due to Skype, mobile phones, emailing etc. a local law firm like Aston Knight has the ability to operate nationwide, all from the comfort of an office based in Bury. They can do so with a small and dynamic team who are accessible through these communication channels, and because of these communication channels, clients feel at ease regardless of where there are based. 

Understanding your claim and what you need                  

The most important thing when seeking legal advice is understanding your claim and finding solicitors that suit your claim. It’s no good looking for a family law expert solicitor if your claim is regarding an injury at work. It sounds silly, but you’d be surprised how often people don’t research correctly to find the right solicitor for their claim.

A piece of advice; don’t search locally, think nationwide. Don’t be restricted by where you are from but be open to where the experts are from. Search based on the type of legal advice and expertise you need. Ensure that you use all the tools available to you from Google through to Find A Solicitor, and make your decision based on the gut feeling and experience of the law firm in your chosen field. Finding the right solicitor is one of the most important decisions you’ll need to make, so make sure you do your due-diligence beforehand.

Whilst there have been gradual changes to the availability single-use plastics, up until now, it’s all felt like a drop in the ocean. Yet, in October 2018, the European Parliament congregated to impose a complete ban on a wide-variety of single-use plastics. The ultimate aim is to prevent the excessive pollution of the ocean. We’ve all seen the footage of animals with stomachs full of plastic or encased in plastic, and it’s easy to wonder how the ocean ended up in such a terrible state of affairs. It is by the public’s persistence that dramatic change needs to happen now after David Attenborough’s BBC Blue Planet series aired. David Attenborough’s work has never just been about showcasing the beauty of the natural world. There has always been a strong focus on how our lifestyles are hindering and driving other species to extinction. With such minimal changes to our daily lives, we can all work together to make the environment more hospitable for both land-dwelling and sea-dwelling creatures. You can watch a clip of David Attenborough’s Blue Planet here

As a consumerist society, we’ve grown to love and come to think that we need single-use plastics, however, this isn’t the case when there are so many alternatives now on the market. They may be a little more expensive for the time being, yet the ultimate price is being paid by our wildlife. We’ve already seen a drastic reduction of the amount of fish in the ocean. Yet, it was predicted that if drastic measures aren’t taken there will be more plastic in the ocean that there are fish by 2050. And that’s without mentioning the potential hazards of the toxicity of the plastic. 

Which Single-Use Plastics Are Now Banned Under European Parliament? 

Whilst only some of the single-use plastics which are currently used commonly in Europe was included in the blanket ban there are plenty more items that the proposal calls for a reduction. This included items such as plastic cups and food containers such as you would receive from the supermarket or a fast food restaurant. 

However, the list of banned single-use plastic items now includes: 

●Cotton buds 

●Straws 

●Drink stirrers 

●Balloon sticks 

●Plastic cutlery and plates

What are the Alternatives? 

A lot of single-use items which were previously made from plastic can easily be placed by different materials. Pubs, bars, and restaurants have all been quick to replace their straws with paper straws. Whilst paper straws may not be as pleasant to drink from as plastic straws, their biodegradable properties ensure that we aren’t contributing to the oceanic plastic problem for the convenience of using a straw for a few minutes at a time. If you’re not a fan of the paper straws, you can also invest in your own reusable metal straws, which can easily be recycled if need be. 

How Far Can Legislation Take Us? 

With a little research, you’ll soon see that for every single-use plastic, there is a more environmentally friendly alternative. If you’d like more information on how you can make a real difference to your consumption and discarding of plastic, why not check out these 26 top tips on how to reduce the amount of plastic in your home? As you’ll soon see, the alternatives may be slightly more expensive than what you’d expect from single-use plastic items, yet, is there any better investment than the environment? Whilst governments around the world are all doing their bit in ensuring that there are less plastics available to purchase, we must also take a proactive role in the limitation of plastic in our environment. Whilst toothbrushes, lighters, and other common household items are not yet featured on the banned list, it’s easy to find alternatives to the common plastic variations we see every day.  

If you take a look around wherever you are right now, unless you’re sitting in a remote woodland far away from civilisation, you’re going to see plastic around you. Start to think of ways in which this could be reduced. That’s not to say ridding your home of the plastic which is already in use is of any benefit to the planet. Yet, when it comes to disposing of the plastic already in your possession it is imperative that you recycle even the smallest parts of plastic whenever possible. As it is these small pieces of plastic which may ultimately cause the greatest devastation to wildlife. 

Of course, the key to solving the crisis which we have seen with plastic in recent years will never be to fully eradicate plastic from the planet. It would be infeasible and impossible. Instead, we must focus on regulatory measures and recognised bodies whose primary job is to oversee (or should that be oversea?) how plastic is recycled and come up with new ways to prevent the plastic from ending up in our oceans. With effective regulation measures in place, we can still enjoy our modern-day commodities. Regulation has always served as a way to ensure responsibility. If you take for example gambling. Just like plastic, gambling doesn’t have the best reputation. Yet, under measures, such as those imposed on online slot machine websites such as Egypt Slots those who enjoy gambling can do so knowing that they are protected by the regulations put in place to ensure that they access a safe and fair website. Egypt Slots have gone above and beyond to ensure that all of the information required for a player to make an informed decision about their gaming is fully visible. Players will get a clear and accurate view of the price of the stakes alongside information such as the Return to Player rate. 

Social change is an inevitable part of a progressive society. It’s easy to feel scorned by the fact that items of such convenience have been taken away by the new European laws. Yet, when you look at the bigger picture, to move forward and limit the environmental impact of our modern ways of living, it’s more than worth embracing the change. 

For a person who likes to lead a relaxed time with his or her profession, the trading business is the best. It also lets the traders use their decisions properly with each trades. For that more and more traders are joining this profession each year. You will not find more good results about the trader’s performance. Some of them may not have to right mindset for this profession. Or some may lack in trading knowledge. There can be also in biasing issues. No matter what it is, you will have to get rid of it. Like those problems, the trading time is a massive issue for the traders. We are talking about traders not knowing when to close a trade or how to set the target for their position sizes. In the following, we are going to talk about it with more detailed information.

Get the proper trading knowledge

For making the right targets of trades, traders have to know how to analyze the market's condition. It is the first things which will let you select a position. You will also have to make a position size based on your analogy and the targets. For positioning the traders to have to know about using the simple and affecting terms of the price charts like the support the resistance points. Then they will also have to learn about using the tools like the Fibonacci one. Then you can also do with just the price trends and key swings. Then after dealing out with the positioning, the traders will have to think about targets with the help from risk to profit ratio. With all things covered you will be able to design your whole trading process.

Take logical decision

Give your trade enough time and space. If you place a tight stop or close your trade early, you will miss many good trades. The experts of the UK trading community always play safe in their online trading account. They never close their profitable trades too early as it kills the risk-reward ratio. As a new investor it’s very hard to find great trades but if you follow the basic rules of investment, you are going to become a successful trader within a short period of time. Think smart and you won’t have a tough time with this profession.

Concentrate on the edge growth

Alongside the trading, a trader will also have to concentrate on the trading edge. Everything required for the trading business comes from an edge. When a trader is not even thinking about it and maintaining the business, there will be an edge in his or her head. It is not that difficult for a trader to continue trading process without the trading edge. For your own good in this business, it is necessary to think about the trading edge. When you learn about any kind of defect in trading process, you will have to change the edge accordingly. Doing so, your trading edge will be a profound one from time to time. When a developed trading edge is used for the trading process, the profits will be glooming in your accounts. You will be able to know about trades better.

Preplan your trade setup

Just like finding the positions and estimated position sizes for trades, a trader should also plan the whole trading process through. It will help your trading business a lot with proper control over the situation. When you will be controlling the trades, no problems in the road to success will pass by your eyes without being caught. If there is any kind of problem seen in the market, immediate actions can be taken. Your trades will be safe and it won’t require any kind of random observation. So, think about that before every trade from your account.

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