Some pensioners are finding the world of annuities understandably confusing and with recent news of the fluctuating rates; many are seeking advice as to what the best option is in their particular circumstance.

There has been a lot of conjecture surrounding the issue of annuity rates and whether or not it is a good idea to delay annuity purchases. For an in depth analysis of the situation, it is always best to visit a well-known site such as mypensionexpert.

In short though, the subject has been thrown into question because of the ever falling rate of annuity pay-outs. This is due to insurers receiving less return on their investment on government debt.

With this, it seems tempting to defer your annuity payments for a couple of years in the hope that you will receive a higher rate in the long run but studies have shown that this may not be the best course of action for everyone.

With the low annuity rates being a seemingly short term scenario, deferring those years could really cut a chunk out of your pension and remember whatever pension you do not claim, after death, goes straight into the pocket of the insurer.

The best thing to do, as in all cases of life insuring is to shop around for the best rate and make the most of your retirement. It also seems entirely advisable to simply retire at the age you had always planned, the only way you could recover on those two or three years you have deferred is if you live for another thirty or forty years after the age of retirement.

If there’s someone who’s reaping all the rewards of blogging career (uy kumakarir na!) that would be the princess..

She gets freebies from time to time 🙂  Shoes, Clothes and yes even toys! The latest she got is a really cute toy: POLLY POCKET™ CRISSY® POSITIVELY PARIS™ Doll

At first, I thought she would not enjoy playing with it because it is very small.. but I was wrong.. in fact we BOTH enjoyed playing it. Little girls really love play pretend! And we moms, love to play along!

Polly Pocket™ Crissy® Positively Paris™ Doll comes with colorful clothes (perfect for warm or cold weather) also comes with shoes that the kid can mix and  match. And it also comes with cute accessories perfect for a Paris trip!

The little girl is not familiar with Paris, so she played with her Polly Pocket as if it’s her baby 🙂 changing clothes is her favorite! Oh gosh, I can’t imagine when she finds out about other Polly Pocket accessories! (dapat na mag ipon si mommy! haha)

Polly Poket is exclusively distributed by Richwell Trading Corporation. Available in leading toy stores and department stores nationwide. For more information about other Richwell products, visit www.richwell.net or call Richwell Trading Corporation at telephone numbers 732-5141 to 47 loc 211. 

Googling “essay writing services in the UK” raises a plethora of websites, a reflection of the high demand for their services.  The Independent newspaper reported that between 2008-2011 an alarming 45,000 students at over 80 British universities were caught cheating in their exams with the use of mobile phones, or through buying essays online.  Ominously, these numbers are expected to rise, although universities seem unable to provide comprehensive figures for plagiarism itself.  According to the Independent, many universities blamed Britain’s financial crisis which resulted in an increase of university tuition fees.  In this harsher climate, more students are willing to shelve out hundreds of pounds to assure good grades. British universities reported that there are an estimated 12,000 essays purchased each year by students.

Is buying an essay online considered to be dishonest?  In a video posted on its company website, UK www.essays.com’s CEO Tony Enynon, emphatically refutes this, although concedes the potential for their product to be used for “cheating”.  In another interview in the Guardian, Barclay Littlewood of oxbridgegraduates.com, invites students to “use” their services, he warns however, to “use” them just like any other source and advices them to write their own piece.

All UK essay writing services will feature at the very bottom of their website – in very small print – a disclaimer declaring that all their “products” are purely for research or guidance purposes only, and discouraging purchasers passing the essays off as their own.  However, some of the same websites also offers a money-back-guarantee, if customers fail to achieve the desired grades.

Universities across Britain are trying to combat this debilitating problem.  In the same article in the Guardian, Professor Elizabeth Fallaize, Oxford’s Pro Vice-chancellor for Education asserts, “We see plagiarism as an educational problem rather than a discipline one”.   Universities use expensive anti-plagiarism software, but concede difficulty in detecting essays purchased online, especially those tailor made to for a particular client.  On the other hand, knowledgeable academics won’t need such devices to detect something awry if an unexceptional undergraduate suddenly comes up with a brilliant essay.  They may request for an oral examination to see if the questionable student can produce the same excellent work.

Most students know what plagiarism is, although initially some may be genuinely ignorant of what it is all about.  At the beginning of their studies, they are advised about it as part of induction to undergraduate life.   Nowadays, it is normal to formally declare that an essay is a student’s own work by either ticking a box or signing a form before submitting their essay.  The Open University, a leading provider of distance learning, offers advice on topics such as plagiarism as part of their wide array of online ‘toolkits’, designed to help students understand what is required of them and to help them refine their academic skills.

The issue of plagiarism, however, is as old as scholarship.  These websites are merely the latest technical manifestation of its persistence.

Information for the research provided by bestessays.com team.

Guest Post by: James Powell