Archive for

Two Excellent Choices For Financial Safety and Security During This Era of Uncertainty

Although 401(k) s are beginning to rebound a bit, financial safety and security continues to be sought in America. In this context, traditional whole life insurance and annuities must be considered as an safe and secure options for acquiring sufficient money to have a satisfying retirement.

The long standing traditional whole life insurance lasts for your whole life and the premium remains the same as long as the policy is in existence. Traditional whole life insurance contains the basic essentials of term insurance, with an investment element added.

You pay a premium amount larger than the premium which would be paid for term insurance and that part of the payment is invested over the life of the policy. The growth of that investment is nontaxable to you. This favorable treatment of return on investment is exclusive to life insurance and offers a significant wealth buildup vehicle.

In a nutshell, here’s what traditional whole life insurance have to offer:

o tax-favored cash values

o death benefits

o competitive interest rate

o guaranteed return

Next, an annuity is an investment contract between you and the insurance company. You receive a return on your investment that supplements your contribution. In the future, you can choose to “annuitize” the investment to provide income for a specified period of time in your lifetime.

The earnings on an annuity can grow without being lessened by taxes. These earnings are not taxable until you withdraw them, and then they are spread out over a number of years. When you begin receiving income from an annuity, only part of your income is taxable because you receive both interest and a partial return of the invested principal.

To make the best use of the positive tax advantages of an annuity, you also must be aware of the potential tax problems. The IRS imposes a penalty of 10 percent along with the tax owed on withdrawals unless you are over age 59 1/2 when withdrawing money from the annuity or cashing it in. These charges are in addition to any insurance company fees that might be imposed upon the withdrawal.

It is advisable to approach the purchase of an annuity with the expectation that you will not draw on it until you are older than age 59 1/2. To fully make the most of the tax advantages you should plan on holding the annuity for many years so that the earnings can grow without current taxation. No matter what the tax advantages of an annuity are, you still must pay close attention to the rate of return on the investment.

Here’s what annuities have to offer:

o a guaranteed return.

o a competitive interest rate.

o tax-free or tax-favored benefits

Overall both whole life insurance and annuities should be given a major consideration for providing either partial or full retirement benefit.

Identify Safety and Security Threats in Real Time with Sensor Networks

Once upon a time only a gas detector was needed in one’s home to protect them from carbon monoxide. However, the world has changed significantly and now sensor networks are important in many applications. It is more important than ever to be prepared for the unexpected including identity safety and security threats. Other markets where sensor networks are important include community awareness, public venue protection, as well as transportation logistics. Environmental safety, asset security, and even perimeter security are some of the other applications of sensor networks.

Fortunately, sensor networks including detection devices like the Minirae are not too expensive and the best thing of all is that they are deployed very quickly and efficiently. So, as soon as you have a need for a sensor network you can have it installed quickly. Once upon a time only a gas detector was needed in one’s home to protect them from carbon monoxide. However, the world has changed significantly and now sensor networks are important in many applications. The best type of sensor network is one that has a long battery life, is of low cost, penetrates walls, and supports several different types of sensors and the like. The more sophisticated the sensor network the more effective it will be.

It is also incredibly important that the sensor network detect security threats in real time and offer similar identity safety. Otherwise there is no point in having a sensor network. It is also important that the sensor network be wireless so that it may be managed from a remote location if necessary. When you are considering a sensor network think about size as well. A smaller device is more appropriate for most situations than a large one and this should be kept in mind. Fortunately, companies like RAE Systems sell technology that allows sensor networks to detect the threat as soon as it occurs and all for some reciprocal action to be taken. Security equipment of this nature is incredibly important to Homeland Security and detection of networks.

Customer support is another important aspect of real time sensor networks. The reason is that if you have a problem you want to have it corrected in as little time possible. As a result buying a network that has outstanding customer support is just as important as the functioning of the system. All of this information combined should help you significantly in finding the right network that will work for your needs.

Safety And Security Glass Options: The Pros And Cons Of Security Film Versus Tempered Glass

Film
Security glass filming is a glass treatment that is available for homes, offices and retail storefronts. This procedure utilizes high tech materials such as thin layers of polyester to shield glass against shattering.

Pros:
Installation:
Security filming involves a relatively simple installation process, which make it a great Do-It-Yourself project for many homeowners.

Price:
Security film is a low cost alternative to tempered glass. Rolls of these specialized materials can easily be found online or in hardware stores for under £100.

The Finished Product Looks Like Untreated Glass
The layers of material are often crystal clear, invisible to the naked eye, and yet they serve to hold the glass in place in the event that someone, such as a burglar, or something, such as inclement weather, threatens to shatter it. The glass will still crack, but the film will hold the glass in place, effectively keeping the offending forces outside temporarily.

Safety
Because the glass doesn’t shatter everywhere, but is instead held in place by the security film, the treated glass poses less of a safety risk than untreated shattered glass, which can cause serious injury to those in the surrounding area.

Security
It can, with much time and effort, be broken into eventually, but when combined with an alarm, can serve as a highly effective deterrent for would be thieves. This is due to the fact that, more often then not, burglars are in and out of residences and shops in less than 5 minutes.

Toughened Glass
Toughened glass, also called tempered glass, is a glass that’s been processed to increase its strength. Tempered glass is a frequent fixture in places such as storefronts, government buildings, banks, or any other areas where security is at major priority.

Pros:
Tempered glass is very strong. Some types of tempered glass are so strong, in fact, that they’ve been able to withstand a barrage of bullets. (Of course, in the interest of safety, it is not recommended that anyone test this on his or her own tempered glass doors or windows.)

Cons:
Installation:
Unlike security film, professionals must install toughened glass, as they know how to manipulate it safely.

Price:
Compared to basic security filming, toughened glass is quite expensive because of the increased cost of materials and installation. However, it is significantly stronger and longer lasting. It generally needs replacement only when shattered due to human impact or adverse conditions.

When it comes to safety and security glass, there are many options available to property owners no matter the size of the property or budget. Be sure to take into consideration the unique needs of your home or office, so that you never have to go with untreated windows or doors, as it’s a risk that, for most, is simply not worth taking.