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Press release
The strong Australian economy is undergoing a digital transformation as a result of the development of a new National Broadband Network and the government?s policies encouraging the use of digital technologies. There is strong support for the e-learning industry from industry and government bodies, partly due to Australia?s widely dispersed population across large geographic areas. Year on year growth for e-learning solutions is amongst the highest in the world which has created an imperative for Totara Learning Solutions to appoint high calibre partners such as Cubic Consulting.
As the market matures, demand is shifting away from generic catalogue based content towards greater flexibility and social learning environments. Cubic Consulting chose TotaraLMS as part of their services offerings because, as an open source learning platform, it offers the twin attributes of high adaptability and low cost.?
Chief Executive of Cubic Consulting, Virginia Smith said, ?We have been impressed by the Totara solution and look forward to utilising the product to complement our existing services.? I believe our customers will find that the TotaraLMS provides them real value for money in managing their learners? needs.?
Richard Wyles, CEO of Totara added, ?We are excited to have Cubic Consulting join the network.? Australia is the home of Moodle and we have very strong demand for the corporate distribution, TotaraLMS in the corporate and health sectors. Cubic Consulting is very focused on improving workforce performance and this strongly aligns with our mission. Their expertise in change management and implementation adds significant capability to the partner network.?
About Cubic Consulting
Cubic Consulting is a specialist consulting group established in Australia.? The management and staff offer a wealth of experience and expertise having clearly established a reputation for excellence across 3 service dimensions - Change, Learning and Performance.
Cubic Consulting has extensive experience in, and an understanding of, the change, learning and performance challenges being faced by Australian business and government.? Our team has delivered high quality solutions to more than 120 clients in Australia and across the Asia Pacific region.? Our engagements and projects range from single person consulting assignments to major business transformation programs and customised eLearning development.
A key part of our model is to harness the skills and experience of our Principal and Lead Consultants who provide innovative and thought leading solutions and services.? Within this group, domain expertise includes Change Management, Communications, Learning & Performance, eLearning, Instructional Design, Graphic Design, Technical solutions and Process Optimisation.?
We want to ensure our clients realise the return on their investment by reducing time to value, reducing business risk, enhancing business continuity and ultimately establishing an environment for continuous improvement and innovation.
Cubic is accredited and operates under the industry acknowledged quality standard AS/NZS ISO 9001:2000
?
For more information visit: www.cubicconsulting.com.au
?
About Totara
Founded by Kineo eLearning and Catalyst IT, Totara Learning Solutions is a global alliance dedicated to fundamentally changing the nature of the LMS software market. ?Totara is a commercial distribution of the open source platform, Moodle, and is available on a subscription basis which provides ongoing support and enhancements. Totara can reduce a corporate enterprise's learning management costs significantly whilst providing some of the most advanced learning management functionality.
From a simple concept; that open source software, developed with an active community, can deliver real benefits in learning and development for corporate organizations, comes a big vision; to transform corporate learning. Totara is delivering this vision though;
Over 100 organizations have already selected Totara LMS. These include large corporations with over 100,000 employees to small enterprises. Totara LMS clients come from a variety of sectors, including finance, retail, energy, health, government and the not-for-profit sector.
More information is available at?www.totaralms.com
News providers may freely use information from the press releases within their own news services. Where an entire press release is copied or significant parts of it copied, then "Training Press Releases" should remain clearly quoted as indicated at the start of each press release.
This news story is a press release from the above company and does not represent the views of Training Press Releases. Please ensure that you read our?legal notices. Training Press Releases is not responsible for the content of external websites or services.
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IRA vs. 401 (k) , should I rollover my previous employer?s 401 (k)?
I am contributing to 401(k) plans up to 5% of my salary to get full employer match. I am also contributing $5,000 annually to an IRA account. If I leave this job and join another one I?ll have another 401 (k) account from my new employer.
From TD Ameritrade to ETrade, all IRA administrators run incentive programs to encourage people to roll over. I am trying to find an answer to the question:
Should I leave my money where it is or should I roll it over to Individual Retirement Account?
While there are benefits and drawbacks to both options. IRA seems more flexible, where as, 401(k) is easier to tap in to during an emergency. But that?s not all about the differences.
Let?s do some homework before making a rollover decision.
Before going on to the comparison, let?s be clear that this article is not about where you should put more money from your paycheck. You should contribute to 401 (k) to take 100% of employer match.
Another point to consider, you can?t contribute more than $5,000 a year in an IRA (including Roth IRA), where as 401 (k) allows much more contribution limit.
I contribute to IRA to have more investment options and to have some tax free money in my retirement through Roth IRA.
This article is about answering the question; should you rollover to IRA or you maintain your 401 (k) balance till retirement?
For those contemplating the benefits and drawbacks of rolling over some or all of their 401(k) savings into an IRA, here are some things to consider:
Emergency Cash (Benefit ? IRA)
You can borrow from the 401 (k) account without penalties if you are still working. If you leave your job or are laid off before age 55 and can?t repay the loan, it is treated as an early withdrawal which requires regular income tax and a 10% penalty.
But investors can take early distributions from their 401(k) accounts and avoid the 10% penalty if they are laid off after turning 55. If you?re laid off before 55, the best thing is to leave your money in a 401(k).
Early withdrawals from IRA and 40 (k), alike, are subject to income tax (except in the case of a Roth IRA, which requires after-tax contributions), which could put a dent in your nest egg.
IRA account holders can withdraw funds before retirement (via SEPP program) without penalties by setting up a series of equal withdrawals over time.
You can also withdraw from a traditional IRA without penalties once a year provided you repay the funds within 60 days. Your have cash when you need for an emergency. But, funds that aren?t repaid within 60 days are subject to a 10% penalty, in addition to ordinary income tax if you are younger than 59?.
Contributions withdrawn from a Roth IRA are not subject to income tax, penalties or the 60-day restriction, if the withdrawal is made for certain qualifying expenses.
It also makes sense to do an IRA rollover if you need to use some of the money for educational expenses, you are still require to pay the usual tax on the withdrawn amount but you are exempt from paying penalty.
Beneficiary designation (Benefit ? IRA)
Second marriages and marital problems may be among the reasons to consider an IRA rollover.
Surviving spouses automatically are entitled to 401(k) funds if account holder dies. That could be a problem if you have children from a prior marriage and want them to share in your retirement savings. You can only change the 401(k) beneficiary if your spouse notarize her consent.
On the other hand, IRAs provide greater range of flexibility in terms of beneficiary designations; you can have as many as you need.
Estate Planning (Benefit ? IRA)
An opportunity for your estate/heirs to accumulate tax-deferred wealth is a significant benefit to consider an IRA rollover.
The beneficiary of an IRA can take small, taxable distributions over the course of his or her life expectancy, while allowing the remaining funds to accrue on a tax-deferred basis. Most 401 (k) administrators do not provide this flexibility although the law allows for it.
Most 401(k) plans force heirs to take assets after the account holder dies.
Choices, Transparency (Benefit ? IRA)
The range of investment choices available through a 401(k) plan is an important factor to consider when contemplating an IRA rollover.
If you need to invest in more fixed-income options, 401(k) plan offers only a money-market fund and a bond fund. Foreign bond funds, accessible through an IRA, could offer higher yield.
401(k) participants who are still working can roll over funds into an IRA. This strategy can increase investment choices and benefit older investors who are still employed.
Potentially high 401(k) fees can also be a concern. While fees for IRAs are clearly outlined, they often are difficult to assess in 401(k) plans because they generally are factored into the overall return. Fees tend to be higher if an insurance company, rather than a mutual-fund company, is administering the 401(k).
This may change as a new law in effect, that will require plan administrators to disclose all 401(k) fees. On your 2012 401 (k) statements, you are expected to see these fees.
Stock Options (Benefit ? 401 (k))
I have stocks options accumulated in my 401 (k). They are so less in number and value, that it doesn?t make a dent if I decide to rollover tomorrow. But this can make a huge difference if you have significant stocks in your 401 (k)
It?s rather better by moving stock to a taxable account and pay a capital gains tax on the cost basis of the stocks rather than rolling them over to IRA where normal income tax rate would apply later on.
If stocks are kept in 401 (k) account till one dies, the new cost basis is set up for the heirs, the value of the stocks on the date of death. So, during life time, all appreciation in stock value are tax-free!
Except stock options, you can still rollover rest of your assets.
Conclusion on IRA vs. 401 (k)
If you decide that an IRA is a better option for your retirement savings than a 401(k) is, be sure to transfer the funds correctly.
Set up the IRA first and then transfer the funds directly to that account through your plan administrator.
Don?t transfer funds to a non-retirement account. You?ll have 60 days to roll the funds back into an IRA in the event of a deposit to wrong account. If you fail to do so, you have to pay tax and penalty on the withdrawal.
Please keep it in mind that rules about IRA or 401 (k) constantly changes, so, always be aware of latest changes to federal regulation and policies.
I will continue with 401 (k) for now till I switch the job. Once and if I switch I would definitely roll over. What about you, readers?
Other Related Articles You Might Be Interested In:
Source: http://technotale.com/ira-vs-401k-should-you-rollover-1141.html
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Icon Health and Fitness-The wellness and aptness attention has confirmed a non-static starting over the past 5 years or so. It is approximated that the UK industry for gyms comprehensive both the in solitude and open location was value 3.8bn this season, whilst the aptness equipment industry, covering both blurb and in-home programs, was value an approximated 354m.
The fitness center industry one after another to flower highly until 2009, buoyed by the local power, business and health and fitness areas, before desire was badly suffering from climbing down non reusable earnings and taking flight lack of employment. In addition, competition powerful with a number of new expenses providers coming into the industry, taking membership rights prices down and going to a relatively advanced level of business activity. Truly, the wellness and aptness team industry blessed a initial season of 0 development in more than a several years, however the industry value is approximated to have came back to development this season ? despite at a low amount.
The aptness equipment industry, on the other hand was impacted early in 2008 by a fall in desire with gyms delaying major repair tasks and the amount of new team spaces climbing down considerably. This event one after another until 2009 going to a fall in industry value during the season. While the wellness and aptness team industry continued to be flat, the blurb aptness equipment industry saw a emotional expand in earnings in 2010 as gyms integrated repair programs in an try to catch more members.
The viewpoint for both of these linked marketplaces in the advanced period is positive. These are developed marketplaces, so development rates will be limited; however, there is powerful actual desire for wellness and aptness services and, therefore, aptness equipment. It is approximated that by 2016, the industry for gyms will have achieved a value of 4.4bn with the aptness equipment industry estimate to be value an approximated 403m.
?Source: http://www.terapiasistemica2011.com/research-and-markets-health-and-fitness/
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