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Think twice before choosing any employee benefit plans and perks

Think twice before choosing any employee benefit plans and perks

Finance
Just because your company offers you a brand-new employee benefit, doesn't mean that you have to take it. October kicks off the beginning of benefits enrollment season for many employees, as they sign up for next year's health care plan and life insurance coverage. But the list of potential perks — known as voluntary and fringe benefits — goes beyond the core suite of life and health insurance coverage and 401(k) plans. A June survey by the National Business Group on Health found that about 9 out of 10 large employers offered accidental de...
5 things you must do before you retire

5 things you must do before you retire

Finance
The steady path to a dream retirement If you're looking forward to retirement, you're not alone. Countless workers dream of leaving their jobs behind and enjoying the freedom of unstructured days. But before you pull the trigger on retirement, be sure to tackle the following moves so you don't come to regret your decision later on. 1. Assess your personal savings Hopefully, you spent much of your working years socking away money in an IRA or 401(k). If you're thinking of retiring, now's the time to assess your balance and see what it actually means in terms of usable day-to-day cash. It's easy enough to look at, say, a $ 500,000 IRA balance and think, "Wow, that's a lot of money." But if we apply a 4% yearly withdrawal rate, which has long been the standard, that $ 500,0...
Eat honey before visiting GP, patients urged

Eat honey before visiting GP, patients urged

Technology
Patients should treat their coughs and colds with honey and over-the-counter remedies before going to the doctor, health officials say. New draft guidance from Public Health England (PHE) and the National Institute of Health and Care Excellence (NICE) is advising GPs not to offer antibiotics in most cases.Instead, they must encourage patients to use self-care products.The advice is part of a growing effort to tackle antibiotic resistance.Acute coughs are mostly caused by a cold or flu virus, or bronchitis, and will last for around three weeks, according to the guidance.Antibiotics make little difference to symptoms and can have side-effects - and unnecessary prescriptions reduce their effectiveness.Patients are instead advised to try honey or cough medicines containing pela...