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EXCLUSIVE RESEARCH 7 to be unaffected by pension allowance changes

first_imgSome 14% of respondents expect the April 2016 reductions in lifetime and annual allowances to affect a significant number of staff, according to the Employee Benefits/Close Brothers Pensions research 2015.From April next year, the annual allowance for those earning more than £150,000 a year will be tapered down to a minimum of £10,000, while the lifetime allowance for pension contributions will be reduced from £1.25 million to £1 million from 6 April 2016. In addition, more than a quarter (26%) of respondents surveyed in September 2015 believe the reductions will impact a small number of employees, while 17% expect these to affect senior management.However, less than one in 10 (7%) of respondents say their organisation will be unaffected by the changes, while a further 13% say the impact on their organisation will not be significant.But, it appears that full implications of the reductions in lifetime and annual allowances may not yet be fully understood, with 13% of respondents claiming to be unaware how much of an impact these will have.Determining which members of staff will be impacted by the reductions is an area of concern for some employers. For 5% of respondents this is further complicated by the nature of their organisation’s reward structure, which will make it difficult to easily identify the staff affected until the end of the year.The upcoming allowance changes may require some employers to re-examine their reward strategies. Indeed, 5% of respondents will adjust their reward approach in the future for affected employees.Communication is keyMore than two-thirds (67%) of respondents are using communications to affected support staff.A quarter (25%) of respondents are providing financial education seminars and webinars to members of staff affected by the changes, while 24% have turned to online information as an additional support mechanism for staff.Respondents have harnessed a range of methods and initiatives to help employees affected by the changes, including modellers (17%), one-to-one financial advice (17%) and pension clinics (13%).Increased reward to offset allowance reductionsMore than a third (39%) of respondents will offer increased reward, such as additional remuneration or pay, as an alternative benefit to staff that are affected by the reductions to lifetime and annual allowances.One-to-one financial advice is also on employers’ agendas, with 15% planning to offer it as an alternative benefit to affected staff. This is followed by alternative savings, such as individual savings accounts (Isas) and unfunded pensions, as cited by 9%, while 6% of respondents will offer shares as an alternative benefit to affected employees.However, one-fifth (20%) of respondents do not know what alternative benefits will be made available to staff affected by the changes. Meanwhile, more than a quarter (27%) of respondents do not plan to offer any alternative benefits to affected employees. Employee Benefits will be hosting a live webinar, Employee Benefits Wired: the changing pensions landscape, at 1pm on Tuesday 1 December. Tune in to EB TV to watch the session and send your questions by tweeting #EBWired.last_img read more

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Best Cheap Photo Editing Laptops Affordable Laptops 800 and Under

first_img As soon as Rami Tabari sprung out of the College of Staten Island, he hit the ground running as a Staff Writer for Laptop Mag. He reviews every shape and form of a laptop as well as all sorts of cool tech. You can find him sitting at his desk surrounded by a hoarder’s dream of laptops, and when he navigates his way out to civilization, you can catch him watching really bad anime or playing some kind of painfully difficult game. He’s the best at every game and he just doesn’t lose. That’s why you’ll occasionally catch his byline in Tom’s Guide, taking on the latest Souls-like challenge. by Taboolaby TaboolaSponsored LinksSponsored LinksPromoted LinksPromoted LinksYou May LikeKelley Blue Book5 Mid-engine Corvettes That Weren’tKelley Blue BookUndoGrepolis – Free Online GameGamers Around the World Have Been Waiting for this GameGrepolis – Free Online GameUndoTODAYPolice Identify Girl Licking Ice Cream Tub In Viral VideoTODAYUndoMy Food and FamilyHealthy, Homemade Drunken Thai Noodles In Just 20 MinutesMy Food and FamilyUndoVerizon WirelessThis new phone will blow your mind.Verizon WirelessUndo247 SportsThe Highest-Paid NBA Players In 2019, Ranked247 SportsUndoAdvertisement If you’re itching to dive into photo editing but you don’t have thousands of dollars to blow on a premium laptop with a 4K display, then you’re probably in the same boat as Tom’s Guide forum user jmercier76, who asked for help in finding a photo-editing laptop on a budget.jmercier76 is on a $800 budget and prefers a laptop with a 13- to 15-inch display, at least 256GB of storage and a 4-hour minimum of battery life. They plan on using the laptop for “web development programming, Photoshop, Illustrator, drawing [and] maybe some movies.”MacBook Air vs MacBook Pro: Which 13-inch MacBook Is Right For You?Apple’s entry-level MacBook Air and Pro look pretty similar, but our testing proved they differ in crucial ways.Your Recommended PlaylistVolume 0%Press shift question mark to access a list of keyboard shortcutsKeyboard Shortcutsplay/pauseincrease volumedecrease volumeseek forwardsseek backwardstoggle captionstoggle fullscreenmute/unmuteseek to %SPACE↑↓→←cfm0-9接下来播放Which Cheap Tablet Is Best? Amazon Fire 7 vs Walmart Onn02:45关闭选项Automated Captions – en-USAutomated Captions – en-USAutomated Captions – en-US facebook twitter 发邮件 reddit 链接https://www.laptopmag.com/articles/best-photo-editing-laptop-under-800?jwsource=cl已复制直播00:0003:4603:46 We’ve compiled a few options at various prices to help budget-minded creatives get a system that gets the job done without straining your budget. Microsoft Surface GoThe Microsoft Surface Go is our most cost-effective option, starting at $399. It has a 10-inch, 1800 x 1200 panel that covers 129 percent of the sRGB spectrum and emits 415 nits of brightness, so it’s more than capable of making jmercier76’s creations look great despite being smaller than their preferred size.Its Intel Pentium Gold 4415Y processor with 4GB of RAM isn’t the fastest around, as it scored 3,907 on the Geekbench 4.1 overall performance benchmark, but it surpasses most budget Windows laptops. Unfortunately, you’ll be getting only 64GB of storage and its battery lasted just 6 hours and 6 minutes.MORE: The 10 Best Online Photo Storage and Sharing SitesHowever, it does offer a comfortable typing experience with a decent 0.9-mm travel keyboard and an IR webcam to access Windows Hello. Since its a detachable 2-in-1, you can also draw with the Surface Pen.Asus ZenBook UX330UA (2017, 8th Gen)The Asus ZenBook UX330UA is somewhat older, but it’s powered by an 8th Gen Intel i5-8250U processor with 8GB of RAM and meets the $800 budget exactly. Its 13.3-inch, 1920 x 1080 display hit 105 percent of the sRGB color gamut and averaged 302 nits of brightness. Although it’s not as colorful or bright as the Surface Go, it has more display real estate. It scored 12,871 on Geekbench 4, which is triple the score of the Surface Go. In addition, it also offers a 256GB SSD. Its keyboard features a springy 1.6 millimeters of travel and the battery lasted a solid 8 hours and 20 minutes. However, it’s non-touch, so you can’t draw with it.Microsoft Surface Laptop 2In a bigger and more badass form, the Microsoft Surface Laptop 2 shows up its sibling with its better power and prettier display for $759. Its 13.5-inch, 2256 x 1504 panel nailed 176 percent of the sRGB spectrum and averaged 321 nits of brightness. It’s dimmer than the Surface Go, but all that extra color is so worth it.Armed with an Intel Core i5-8250U processor with 8GB of RAM, the Surface Laptop 2 nailed 12,744 on Geekbench 4.1. This system also comes with a 256GB SSD. The Surface offers a much more elegant design and the best keyboard of the bunch, as its keys feature 1.3 millimeters of travel and are supported by super-comfortable Alcantara fabric. And, of course, you can use the Surface Pen to draw.We hope that one of these help you get what you need out of your photo-editing experience. Let us know which you decide to go with!Credit: Laptop MagMotif Photo Book Review: Limited Software, OK BookBest Photo Books – Reviews of Online Photo Book MakersBest Laptops for Photo Editing: Top Notebooks Rami Tabari, Author Bio Rami Tabari, onlast_img read more

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