Will Bluetooth Technology Change Everything?

blue tooth is technology that is reshaping the definition of what it means to be wireless. Unlike Wi Fi, blue tooth uses radio waves to wirelessly connect devices within short range of each other. The devices may either be within 10 meters or up to 100 meters of each other to remain networked. One of the benefits of blue tooth is that it is a low powered source as well as inexpensive.

blue tooth is already pre installed in many devices as some of its proponents include microsoft, apple, IBM, Intel, and Nokia. By using a blue tooth adapter in your computer (ranging in cost from $20.00-$100.00 U.S.) you can easily start your own network using devices never before dreamed compatible. Once your software has been installed, you will be able to locate equipment that is blue tooth compatible and begin your own network. Devices such as mobile phones, computers, desktops and notebooks, printers, digital cameras, PDAs, and MP3 players can all be networked, and this doesn't just include your items. You can network with friends or coworkers and share files, print pictures and documents easily and efficiently.

The story behind the name blue tooth is just as intriguing as the nature of the technology. The story tells of a tenth century king of Denmark, king Harold Bluetooth, who practiced a reign of peaceful negotiations and treaties. He was a master of bringing opposing parties together to have them talk to each other. Thus the meaning of Blue tooth technology that brings devices from different companies (many with opposing pasts) to talk to each other.

It appears that Blue tooth will be one of the prominent features in future products. As the world needs to pull the plug for greater corporate production and efficiency, wireless capabilities are essential. Blue tooth offers tremendous benefits to those in the work place, home office, and for those who are looking for greater convenience and flexibility in their daily lives.

Modern marvels abound as you see Blue tooth appearing in all sorts of products. From cars that are preinstalled with wireless phone capabilities, and sunglasses that play your favorite Itunes, Blue tooth is already shaping the way we communicate and find our entertainment. Medical technology has been using Blue tooth and once you are Blue tooth enabled, you can use your computer in an airport without needing to plug in. Blue tooth is the technology that is steering the course to the future of our wireless world.

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Retirement Planning

Insurance offers a very attractive option of buying an insurance called Annuity that pay us a regular sum of money monthly/yearly from age 60 or 62 till our last day with our loved ones. You can invest a lump sum of money into annuity and the insurance company will compute the regular payout. And when unfortunate event happen to you, and the payout you received so far is less than the amount that you have invested in the annuity, the insurer will return the remaining amount with some interest to your beneficiary. However, if you outlive the amount invested, it is a blessing as you will be paid for life. Hence, by investing in annuity, we have no worry of not receiving consistent income for life. Moreover, some annuity declare bonus every year, hence your payout will increase each year to compensate for the inflation. So you get income increment even during your retirement years!

This annuity is really a necessary investment for everyone of us, whether you are single or married.

CPF board will automatically create a CPF Retirement account once we reach 55 years old. The minimum sum required to be set aside will be deposited into the CPF Retirement account. CPF will then start the payout from the official retirement age of 62. The payout ends once the full amount is withdrawn.

You may use CPF Retirement Fund to purchase the annuity. For those who cannot resist the attractive interest rate paid by CPF board, you may leave the money in CPF retirement fund to earn the guaranteed 4% interest. However, it is still prudent to use cash to buy a separate annuity policy so that you will still get some payout from the annuity when CPF stops the payment to you.

Supplementary Retirement Scheme (SRS) is a scheme to help the high-income earner to save tax by contributing any amount up to a maximum cap of $11,475 into the srs account. It also helps to build up your retirement fund. The amount contributed to srs will be deducted from your assessable income. This works out to be a savings about $1000 if you invest the maximum amount allowed. The capital gain for investing the srs sum is not taxable. You will be able to withdraw the srs money from age 62 onwards, the official retirement age when you open the srs account at any local Singapore bank. And only the 50% of the amount withdrawn are subjected to income tax if the assessable income is above $24k. So you can plan and spread out the withdrawal amount for the next 10 years to minimize the chargeable income tax.

Amount deposited into srs account can be used to invest anything such as share, unit trust, insurance policy and even fixed deposit. just dont leave the money in the srs account as it only gives the meager % of interest rate offers by the bank.

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