A pension is a fund into which amounts are paid regularly during the individual's working career, and from which periodic payments are made to support the person's retirement from work. A pension may be:
A nest is a structure built for certain animals to hold eggs or young. Although nests are most closely associated with birds, members of all classes of vertebrates and some invertebrates construct nests. They may be composed of organic material such as twigs, grass, and leaves, or may be a simple depression in the ground, or a hole in a rock, tree, or building. Human-made materials, such as string, plastic, cloth, or paper, may also be used. Nests can be found in all types of habitat.
The mountain bluebird is a migratory small thrush that is found in mountainous districts of western North America. It has a light underbelly and black eyes. Adult males have thin bills and are bright turquoise-blue and somewhat lighter underneath. Adult females have duller blue wings and tail, grey breast, grey crown, throat and back. In fresh fall plumage, the female's throat and breast are tinged with red-orange which is brownish near the flank, contrasting with white tail underparts. Their call is a thin 'few' while their song is a warbled high 'chur chur'. The mountain bluebird is the state bird of Idaho and Nevada. This bird is an omnivore and it can live 6 to 10 years in the wild. It eats spiders, grasshoppers, flies and other insects, and small fruits. The mountain bluebird is a relative of the eastern and western bluebirds.
Forster's tern is a tern in the family Laridae. The genus name Sterna is derived from Old English "stearn", "tern", and forsteri commemorates the naturalist Johann Reinhold Forster.
The northern mockingbird is a mockingbird commonly found in North America. This bird is mainly a permanent resident, but northern birds may move south during harsh weather. This species has rarely been observed in Europe. This species was first described by Carl Linnaeus in his 1758 10th edition of Systema Naturae as Turdus polyglottos. The northern mockingbird is known for its mimicking ability, as reflected by the meaning of its scientific name, "many-tongued mimic". The northern mockingbird has gray to brown upper feathers and a paler belly. Its tail and wings have white patches which are visible in flight.
A registered retirement savings plan (RRSP), or retirement savings plan (RSP), is a type of financial account in Canada for holding savings and investment assets. RRSPs have various tax advantages compared to investing outside of tax-preferred accounts. They were introduced in 1957 to promote savings for retirement by employees and self-employed people.
A health savings account (HSA) is a tax-advantaged medical savings account available to taxpayers in the United States who are enrolled in a high-deductible health plan (HDHP). The funds contributed to an account are not subject to federal income tax at the time of deposit. Unlike a flexible spending account (FSA), HSA funds roll over and accumulate year to year if they are not spent. HSAs are owned by the individual, which differentiates them from company-owned Health Reimbursement Arrangements (HRA) that are an alternate tax-deductible source of funds paired with either high-deductible health plans or standard health plans.
A savings and loan association (S&L), or thrift institution, is a financial institution that specializes in accepting savings deposits and making mortgage and other loans. The terms "S&L" and "thrift" are mainly used in the United States; similar institutions in the United Kingdom, Ireland and some Commonwealth countries include building societies and trustee savings banks. They are often mutually held, meaning that the depositors and borrowers are members with voting rights, and have the ability to direct the financial and managerial goals of the organization like the members of a credit union or the policyholders of a mutual insurance company. While it is possible for an S&L to be a joint-stock company, and even publicly traded, in such instances it is no longer truly a mutual association, and depositors and borrowers no longer have membership rights and managerial control. By law, thrifts can have no more than 20 percent of their lending in commercial loans—their focus on mortgage and consumer loans makes them particularly vulnerable to housing downturns such as the deep one the U.S. experienced in 2007.
The savings and loan crisis of the 1980s and 1990s was the failure of 32% of savings and loan associations (S&Ls) in the United States from 1986 to 1995. An S&L or "thrift" is a financial institution that accepts savings deposits and makes mortgage, car and other personal loans to individual members.
Egg was an internet bank headquartered in Derby, that is now a trading name of Yorkshire Building Society. Egg was born out of the banking arm in the United Kingdom of Prudential plc, which was established in 1996, and the Egg brand was launched in October 1998. The first online credit card was launched in September 1999.
The Central Provident Fund Board (CPFB), commonly known as the CPF Board or simply the Central Provident Fund (CPF), is a compulsory comprehensive savings and pension plan for working Singaporeans and permanent residents primarily to fund their retirement, healthcare, education and housing needs in Singapore.
A defined contribution (DC) plan is a type of retirement plan in which the employer, employee or both make contributions on a regular basis. Individual accounts are set up for participants and benefits are based on the amounts credited to these accounts plus any investment earnings on the money in the account. In defined contribution plans, future benefits fluctuate on the basis of investment earnings. The most common type of defined contribution plan is a savings and thrift plan. Under this type of plan, the employee contributes a predetermined portion of his or her earnings to an individual account, all or part of which is matched by the employer.
The little buttonquail is a species of buttonquail, part of a small family of birds which resemble, but are unrelated to, the true quails. This species is resident in Australia, where it is one of the more common buttonquails.
Bubble nests, also called foam nests, are created by some fish and frog species as floating masses of bubbles blown with an oral secretion, saliva bubbles, and occasionally aquatic plants. Fish that build and guard bubble nests are known as aphrophils. Aphrophils include gouramis and the synbranchid eel Monopterus alba in Asia, Microctenopoma (Anabantidae), Polycentropsis (Nandidae), and Hepsetus odoe in Africa, and callichthyines and the electric eel in South America. Most, if not all, fish that construct floating bubble nests live in tropical, oxygen-depleted standing waters. Osphronemidae, containing the Bettas and Gouramies, are the most commonly recognized family of bubble nest makers, though some members of that family mouthbrood instead. The nests are constructed as a place for fertilized eggs to be deposited while incubating and guarded by one or both parents until the fry hatch.
The National Employment Savings Trust (Nest) is a defined contribution workplace pension scheme in the United Kingdom. It was set up to facilitate automatic enrolment as part of the government's workplace pension reforms under the Pensions Act 2008. Due to its public service obligation, any UK employer can use Nest to meet its new workplace duties as set out in the Pensions Act 2008.
A reverse convertible security or convertible security is a short-term note linked to an underlying stock. The security offers a steady stream of income due to the payment of a high coupon rate. In addition, at maturity the owner will receive either 100% of the par value or, if the stock value falls, a predetermined number of shares of the underlying stock. In the context of structured product, a reverse convertible can be linked to an equity index or a basket of indices. In such case, the capital repayment at maturity is cash settled, either 100% of principal, or less if the underlying index falls conditional on barrier is hit in the case of barrier reverse convertibles.
A tax-free savings account is an account available in Canada that provides tax benefits for saving. Investment income, including capital gains and dividends, earned in a TFSA is not taxed in most cases, even when withdrawn. Contributions to a TFSA are not deductible for income tax purposes, unlike contributions to a registered retirement savings plan (RRSP).
Initiative 126 or the Savings Account for Education Initiative appeared on the ballot as Amendment 59. The measure would have created a savings account in the state education fund funded by 10 percent of the monies deposited into the fund, including revenue that would otherwise be rebated under the Taxpayer Bill of Rights rules.
Prosperity Now, formerly known as the Corporation for Enterprise Development (CFED), is a national nonprofit based in Washington, DC, dedicated to expanding economic opportunity for low-income families and communities in the United States. CFED uses an approach grounded in community practice, public policy and private markets. CFED publishes research, partners with local practitioners to carry out demonstration projects, and engages in policy advocacy work at the local, state and national levels. The organization works domestically with satellite offices in San Francisco, California, and Durham, North Carolina.
Smart thermostats are Wi-Fi thermostats that can be used with home automation and are responsible for controlling a home's heating, ventilation, and air conditioning. They perform similar functions as a Programmable thermostat as they allow the user to control the temperature of their home throughout the day using a schedule, but also contain additional features, such as sensors and Wi-Fi connectivity, that improve upon the issues with programmable thermostats.
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