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HOW ARE THEY DIFFERENT FROM OTHER FIXED ANNUITIES? An equity-indexed annuity is different from other fixed annuities because of the way it credits interest to your annuity’s value. Some fixed annuities only credit interest calculated at a rate set in the contract. Other fixed annuities also credit interest at rates set form time to time by the insurance company. Equity- indexed annuities credit interest using a formula based on changes in the index to which the annuity is linked. The formula decides how the additional interest, if any is calculated and credited. How much additional interest you get and when you get it depends on the features of your particular fixed annuity.

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Fixed Index Annuity Averaging Averaging at the beginning of a term protects you from buying your annuity at a high point, which would reduce the amount of interest you might earn. Averaging at the end of the term protects you against severe declines in the index and losing index-linked interest as a result. On the other hand, averaging may reduce the amount of index-linked interest you earn when the index rises either near the start or at the end of the term.

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Nursing is a great industry to get into if you want job satisfaction, flexibility and to be in a field where there is a lot of work available.  It is really important for you to choose the right training company who will provide you with a qualification that your future employers will trust.

Our Nationally Recognised Certificate III in Aged Care qualifies you to work as an Assistant Nurse. While this qualification gives you a specialty in Aged Care, you can also work with people of all ages who have disabilities. When you graduate, you can apply to work in a Nursing Home, Hostel, Retirement Village, the Community or in some Hospitals. You will carry out activities that help maintain an individual’s wellbeing through personal care and/or other activities of daily living.

You will learn how to provide physical and emotional support, care for people living with dementia and assist clients in maintaining their independence. A practical work placement included in the course ensures that you acquire valuable "real world" experience.

Potential jobs:

• Care worker
• Care assistant
• Community support worker

For more information, visit Ballinger Training to find out if you can attain the Certificate III in Aged Care

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You don’t have to pay a personal trainer or go to a gymn to know how to lose weight fast, although it doesn’t hurt. Did you know that one of the best fat-loss exercises is simply swimming regularly? Swimming exercises almost every muscle in your body while keeping you afloat, and for the time you put into it, it’s more efficient than practically anything you can do on dry land. Another trick for losing weight fast is to head straight for training machines that mimic this kind of full-body challenge – rowing machines, elliptical machines, the captain’s chair and stairmasters may not look as sexy as pumping iron, but they’ll definitely make your body sexier after you’ve tried them.