3RD QUARTER NEWSLETTER, Editor s Desk INSIDE THIS ISSUE INDUSTRY NEWS COMPANY NEWS HEALTH TIPS ENTERTAINMENT
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1 3RD QUARTER NEWSLETTER, 2018 INSIDE THIS ISSUE 1 Editor s Desk INDUSTRY NEWS COMPANY NEWS HEALTH TIPS 2 Addendum to the withdrawals from Voluntary Contribution AIICO Pension s RSA Fund Performance as at 30th September Health Tips - Cancer- Symptoms and Prevention 3-4 Guidelines and Features of the Micro Pension plan ENTERTAINMENT 10 Crossword Puzzle/Just for Giggle
2 Dear Esteemed Customers We welcome you to the 3rd quarter edition of our Quarterly Newsletter for In this edition we would be looking at the guidelines and features of the Micro Pension Scheme recently released by the National Pension Commission (PenCom). Our usual exciting columns have all been included for your reading pleasure and we remain committed to providing excellent service delivery as your preferred PFA. For more information on our activities and industry updates, please visit our website or signup to any of our social media handles. We gladly welcome all comments or suggestions you may have for us. Happy Reading. #LIVE SMART# 1
3 ADDENDUM TO THE WITHDRAWALS FROM VOLUNTARY CONTRIBUTION The National Pension Commission (PenCom) released a circular to clarify issues on the withdrawals for Voluntary Contribution as an addendum to the previous circular. The key clarifications are as follows: The addendum clarifies that the circular relates to cases of Voluntary Contributions made pursuant to Section 4 (7) of the Pension Reform Act (PRA 2014) and does not cover cases of Additional Voluntary Contributions made pursuant to Section 4 (3) of the PRA 2014 by persons who are in active or mandatory service. Retirees under Contributory Pension Scheme (CPS), shall be eligible to withdraw all the Voluntary Contributions in the Retirement Savings Account (RSA) at the expiration of the contract employment or may choose to consolidate part or all to augment his/her monthly pension in line with section 7 in the PRA Retirees under the Defunct Defined Benefit Scheme (DBS) and exempted employees shall be eligible to withdraw all the Voluntary Contributions in the RSA at the expiration of their contract employment. Foreign Contributors, shall be eligible to withdraw all the Voluntary Contribution in the RSA at the expiration of the contract employment or relocation to his/her country. The tax treatment for the above mentioned categories shall be based on both income and principal amount when withdrawals is less than five years form the date the Voluntary Contributions were made. 2
4 GUIDELINES FOR THE MICRO PENSION PLAN The National Pension Commission (PenCom) released the guidelines for the Micro Pension Plan in the month of September The Micro Pension Plan is to provide for the self-employed and those in the informal sector of the economy towards retirement and the Micro Pension Plan will take effect January
5 FEATURES OF THE MICRO PENSION PLAN Individual Retirement Savings Account would be managed by PFAs; funds will be in the custody of the PFCs; and a special Micro Pension Fund to be established for flexibility of withdrawals. The micro pension plan will have a simplified registration process utilizing physical channel, internet and mobile devices The total contribution would be divided into two (2) portions namely; Contingent fund - 40% and Retirement benefit fund 60%. The Contingent portion of the Pension fund contributed can be withdrawn by contributors before the Retirement age It would have a flexible frequency of contribution and easy method of remittance Targeted at self-employed workers, those working in the informal sector and/or not on fixed salary. The scheme allows contribution of small amounts into the pension account Strict regulation of the investment of Micro Pension funds to guarantee safety and fair returns on investment Contributors would have access to the statement of their Pension account, i.e. total contributed funds and returns on investment, periodically It combines the elements of existing Pension scheme. No age limit for contributors to join the plan, but the individual must be above 18years. However, contributors must be 50years old before having access to withdrawal. 4
6 RSA FUND PERFORMANCE FUND JAN 2018 Unit Price SEPT 2018 Unit Price ABSOLUTE RETURN RSA % RSA % RSA % The RSA Fund s Performance has been attributed to the Fund Manager s strategic asset allocation strategy which is in line with the National Pension Commission s guidelines on Investment. We have maintained our decision to switch to high yielding short term risk free fixed income securities in a bid to get better returns. The Multi-Fund structure kicked off in July 2018 as directed by the National Pension commission. The Old RSA Fund has now been broken into 2 Funds (RSA 2 and RSA 3), while the Retiree fund will now be called RSA Fund 4. The Absolute Return on the RSA 3 is for a 6 month period beginning from July 2nd 2018* UNIT PRICE HISTORY 5
7 HEALTH TIPS - PARKINSON S DISEASE Parkinson's disease is a progressive nervous system disorder that affects movement. Symptoms start gradually, sometimes starting with a barely noticeable tremor in just one hand. Tremors are common, but the disorder also commonly causes stiffness or slowing of movement. SYMPTOMS Parkinson's disease signs and symptoms can be different for everyone. Early signs may be mild and go unnoticed. Symptoms often begin on one side of your body and usually remain worse on that side, even after symptoms begin to affect both sides. Parkinson's signs and symptoms may include: Tremor. A tremor, or shaking, usually begins in a limb, often your hand or fingers. You may a rub your thumb and forefinger back-and-forth, known as a pill-rolling tremor. Your hand may tremor when it's at rest. Slowed movement (bradykinesia). Over time, Parkinson's disease may slow your movement, making simple tasks difficult and time-consuming. Your steps may become shorter when you walk. It may be difficult to get out of a chair. You may drag your feet as you try to walk. Rigid muscles. Muscle stiffness may occur in any part of your body. The stiff muscles can be painful and limit your range of motion. Impaired posture and balance. Your posture may become stooped, or you may have balance problems as a result of Parkinson's disease. Loss of automatic movements. You may have a decreased ability to perform unconscious movements, including blinking, smiling or swinging your arms when you walk. Speech changes. You may speak softly, quickly, slur or hesitate before talking. Your speech may be more of a monotone rather than with the usual inflections. Writing changes. It may become hard to write, and your writing may appear small. 6
8 CAUSES In Parkinson's disease, certain nerve cells (neurons) in the brain gradually break down or die. Many of the symptoms are due to a loss of neurons that produce a chemical messenger in your brain called dopamine. When dopamine levels decrease, it causes abnormal brain activity, leading to symptoms of Parkinson's disease. The cause of Parkinson's disease is unknown, but several factors appear to play a role, including: Your genes. Researchers have identified specific genetic mutations that can cause Parkinson's disease. But these are uncommon except in rare cases with many family members affected by Parkinson's disease. However, certain gene variations appear to increase the risk of Parkinson's disease but with a relatively small risk of Parkinson's disease for each of these genetic markers. Environmental triggers. Exposure to certain toxins or environmental factors may increase the risk of later Parkinson's disease, but the risk is relatively small. RISK FACTORS Risk factors for Parkinson's disease include: Age. Young adults rarely experience Parkinson's disease. It ordinarily begins in middle or late life, and the risk increases with age. People usually develop the disease around age 60 or older. Heredity. Having a close relative with Parkinson's disease increases the chances that you'll develop the disease. However, your risks are still small unless you have many relatives in your family with Parkinson's disease. Sex. Men are more likely to develop Parkinson's disease than are women. Exposure to toxins. Ongoing exposure to herbicides and pesticides may slightly increase your risk of Parkinson's disease. 7
9 COMPLICATIONS Parkinson's disease is often accompanied by these additional problems, which may be treatable: Thinking difficulties. You may experience cognitive problems (dementia) and thinking difficulties. These usually occur in the later stages of Parkinson's disease. Such cognitive problems aren't very responsive to medications. Depression and emotional changes. You may experience depression, sometimes in the very early stages. Receiving treatment for depression can make it easier to handle the other challenges of Parkinson's disease. You may also experience other emotional changes, such as fear, anxiety or loss of motivation. Doctors may give you medications to treat these symptoms. Swallowing problems. You may develop difficulties with swallowing as your condition progresses, Saliva may accumulate in your mouth due to slowed swallowing, leading to drooling. Chewing and eating problems. Late-stage Parkinson's disease affects the muscles in your mouth, making chewing difficult. This can lead to choking and poor nutrition. Sleep problems and sleep disorders. People with Parkinson's disease often have sleep problems, including waking up frequently throughout the night, waking up early or falling asleep during the day. People may also experience rapid eye movement sleep behavior disorder, which involves acting out your dreams. Medications may help your sleep problems. Bladder problems. Parkinson's disease may cause bladder problems, including being unable to control urine or having difficulty urinating. Constipation. Many people with Parkinson's disease develop constipation, mainly due to a slower digestive tract. 8
10 OTHER COMPLICATIONS Blood pressure changes. You may feel dizzy or lightheaded when you stand due to a sudden drop in blood pressure (orthostatic hypotension). Smell dysfunction. You may experience problems with your sense of smell. You may have difficulty identifying certain odors or the difference between odors. Fatigue. Many people with Parkinson's disease lose energy and experience fatigue, especially later in the day. The cause isn't always known. Pain. Some people with Parkinson's disease experience pain, either in specific areas of their bodies or throughout their bodies. Sexual dysfunction. Some people with Parkinson's disease notice a decrease in sexual desire or performance. Culled from Mayo Foundation for Medical Education and Research (MFMER) 9
11 ANNUITY APPLICATION APPROVAL CUSTODIAN EMPLOYMENT ENBLOC LEGACY LUMPSUM MICROPENSION PAYMENT PENSION PROGRAMMED RETIREMENT RETRENCHMENT WITHDRAWAL #JUST FOR GIGGLE# Mr. and Mrs. Johnbull had two sons. One was named Mind Your Own Business & the other was named Trouble. One day the two boys decided to play hide and seek. Trouble hid while Mind Your Own Business counted to one hundred. Mind Your Own Business began looking for his brother behind garbage cans and bushes. Then he started looking in and under cars until a police man approached him and asked, "What are you doing?" "Playing a game," the boy replied. "What is your name?" the officer questioned. "Mind Your Own Business." Furious the policeman inquired, "Are you looking for trouble?!" The boy replied, "Why, yes." 10
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Emil W. Tetzner, D.M.D., M.S. Practice Limited to Periodontics *Please complete both sides AND MAIL BACK TO OUR OFFICE* Name Street City & State Zip Code Home Phone Business Phone Cell E-Mail Birth Date
Automobile Accident Questionnaire Integrated Physical Medicine, LLC
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NEWS For Retirees Eligible for Premium Assistance Spring 2016
Pennsylvania Public School Employees Retirement System (PSERS) NEWS For Retirees Eligible for Premium Assistance Spring 2016 Get a Good Night s Sleep: Your Health Depends on It Getting a good night s sleep
RELEASE OF LIABILITY, PROMISE NOT TO SUE, ASSUMPTION OF RISK AND AGREEMENT TO PAY CLAIMS
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2014 Patient Information
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Palmer Chiropractic. Your health is our concern. Name Address Preferred: Cell / Hm # / Wk # Address City Zip Code. Home Ph Work Ph Cell Ph
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New Patient Packet. Thank you for choosing Shasta Regional Medical Group. Our office looks forward to serving you.
New Patient Packet Thank you for choosing Shasta Regional Medical Group. Our office looks forward to serving you. Prior to your appointment: Please complete the attached New Patient Paperwork. Be sure
PATIENT HEALTH RECORD CHILD
ABOUT THE CHILD Name Address City State Zip Home phone Birth date SS# Age Gender Weight ABOUT THE PARENT Name Employer Work address Work phone Cell Type of work E-mail address Social Security # PATIENT
PATIENT HEALTH RECORD CHILD
ABOUT THE CHILD Name Address City State Zip Home phone Birth date SS# Age Gender Weight ABOUT THE PARENT Name Employer Work address Work phone Cell Type of work E-mail address Social Security # PATIENT
Worcester Kids Dentist 41 Lancaster Street, Worcester, MA Child Health History. Name of Child
, Child Health History Name of Child DOB 1) Were there any difficulties during the pregnancy, delivery or first year of life? Yes No 2) Is a physician treating your child now for a specific illness? Yes
New Patient Registration
New Patient Registration Personal Information Last Name: First Name: Middle initial: Street Address: City: State: Zip: Birth date: Age: Sex: M F Social Security Number : Home phone: ( ) Work phone: ( )
ACKNOWLEDGEMENT OF DIRECT ACCESS SERVICES
ACKNOWLEDGEMENT OF DIRECT ACCESS SERVICES I,, acknowledge that I am seeking treatment at STAR Physical Therapy, Limited Partnership without a prescription for physical therapy. Please elect one of the
City: State: Zip: Home Cell Work Alternate Phone: Address: Home Cell Work Sex: Male Female Marital Status: Single Married Other:
Denton Sanger Aubrey Patient Information Patient Registration Information Name: (First) (MI) (Last) Social Security #: Date of Birth: Address: Phone: City: State: Zip: Home Cell Work Alternate Phone: Email
PLANNING FOR THE TERMINALLY ILL CLIENT. Carolyn McClanahan, M.D., CFP
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CLM 2016 Atlanta Conference May 19-20, 2016 in Atlanta, GA. Aging Gracefully? The Senior Workforce and Their Impact on Workers Compensation
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Health Moves. "The Way to Wellness" PATIENT INFORMATION
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Name Relationship Phone #
Patient Name: Preferred Name: Last First Middle Gender: Male Female Other Date of Birth (dd/mm/yyyy): Occupation: Home Address: City: Postal Code: Were you injured at work? Is this an ICBC case? If so,
Patient Information. Insurance Information
Date Name (LAST NAME) (FIRST NAME) (MIDDLE INITIAL) Address City State Zip Phone (HOME) Patient Information (CELL) Email Birthdate Age Sex: M F Social Security # Occupation Employer Do you have health
Health Savings Accounts
Health Savings Accounts In an effort to respond to the rising cost of health insurance, many employers have made use of tax-favored accounts such as health flexible spending accounts (health FSAs), health
Name SS# Date of birth / / Gender Ethnicity. Mailing Address City/State ZIP. Marital Status Spouse Name. Phone# Cell# Work#
PATIENT INFORMATION (Please print clearly) Today s date / / Name SS# of birth / / Gender Ethnicity Mailing Address City/State ZIP Marital Status Spouse Name Phone# Cell# Work# EMERGENCY CONTACT PERSON
Hun Chiropractic 1 Creekview Ct, Suite B Greenville, SC P: F:
1 Creekview Ct, Suite B Greenville, SC 29615 Personal Information Last Name: First Name: Middle Initial: Address: City: State: Zip: Home Phone: - - Work Phone: - - Cell Phone: - - Date of Birth: Age: Social
Any pertinent medical records
Hello, and welcome to Arizona Pulmonary Specialists, Ltd. You are scheduled to see on at. Please plan to arrive 20 minutes prior to this time. If you are unable to keep this appointment for any reason,