Dreamstime

Wednesday, June 28, 2017

Guest Post: Reforms are driving pension savings and changing how pensions are taken in the UK, says GlobalData

The following is a guest post.  This post does not necessarily reflect the views of Suzanne and David E. McClendon, Sr. or Manian Debil Productions.

Reforms are driving pension savings and changing how pensions are taken in the UK, says GlobalData


The UK’s pre- and post-retirement pension markets have recently seen some of the biggest legislative changes for a century, which have begun to drive growth in pension savings and change how individuals are choosing to access their pension pots, according to the latest report by GlobalData.
Danielle Cripps, Financial Analyst at GlobalData, explains: “The UK state pension has been changed from a two-tier to a flat-rate model. The eligible age to receive the pension is also steadily increasing to relieve pressure on the government, as the UK population is aging and individuals are living longer.
“Auto-enrollment has been introduced by the government to increase pension savings through employer-workplace pensions, and this will be a big driver of growth in work- and trust-based pensions. By February 2018, all businesses with employees will have to provide a pension to those eligible, and by April 2019 the total minimum contribution paid into a pension will be 8%, meaning that more individuals will be contributing, and at higher amounts. However, there is fear that increasing contributions may cause individuals to opt out.”


The pensions market is growing as awareness of the need for individuals to save and provide for themselves outside of the state pension is increasing. The pensions market was worth £10.8 billion annual premium equivalent (APE) in 2016 according to the Association of British Insurers, and is forecast by GlobalData to reach £17.5 billion APE by 2021.
The report also discusses new pension freedoms, which give customers more flexibility in how they take money from their pension, meaning fewer individuals are opting to buy an annuity, opting instead for income drawdown or cash withdrawals.


As more pension options are introduced, there is a greater need for advice about how to negotiate the pensions landscape. However, an advice gap exists because independent financial advisors concentrate their business on wealthier individuals, leaving those with less money to fend for themselves. 


Cripps continues: “Technology and robo-advice will provide a solution to this by helping individuals understand how much they have saved across all of their pension pots, how much more they need to save to achieve their desired quality of life in retirement, and how it is best for them to take their pension in retirement.”

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I respond to all approved comments on this blog, ideally within 24 hours.  Please check back here for a response to your comment.  Thank you!


Please be advised that all the information in this course is provided to educate, enlighten, and broaden your views in life.  The information provided is not a substitute for medical, legal, dietary, financial/accounting, or religious professionals.   Always consult a professional before you act on any of the information you find in this course. 


Do you have a frugal recipe?  Please e-mail it to me.

Help us reach 1,000 YouTube subscribers. Please watch some of our videos. If you like them, please subscribe. Also, please share our YouTube information with your friends.  We thank you so much for all your help. 


Disclaimer: The opinions or advice listed in this blog or website should be used as a place to start only. It is not a substitute for the use of a professional.

 Please be sure to consult your attorney, accountant, and/or other professionals with any specific questions. There is no one right answer to any business question that will cover all circumstances.


Notice: This post may  contain affiliate links. If you click a link and make a purchase, we may financially benefit from your transaction. Thank you for your support!

Tuesday, June 27, 2017

Book Review: Knights In Training

FTC Required Notice:  We were sent a copy of Knights In Training: Ten Principles for Raising Honorable, Courageous, and Compassionate Boys written by Heather Haupt for the purpose of writing this review.  There was no cost or obligation attached to receiving this review copy.


Knights In Training is a very interesting read.  It takes a novel approach to raising little young men in this politically correct world.

Boys in public school are told to sit in their desks, not talk, sit still, and pay attention.  The problem is that little boys just aren’t wired this way.

If a young boy uses his fingers to make a gun at school, parents will be called, counselors will be involved, and cooler heads will not prevail.

In Knights in Training, Heather Haupt has a different approach to raising little boys. Instead of trying to make little boys into something they are not, she suggests channeling this raw energy into a unique way to teach little boys the appropriate time and place for weapons and rough housing.

In short, Knights in Training turns a problem into a very creative way to raise well-behaved little men.

This book is very well-written, very well-researched and thought out.  The author actually used this approach with her three young men.  And, it worked. We give Knights in Training all five stars on our scale of zero to five stars.

If you have young boys, you may well want to read Knights in Training.  It is a great way to turn all that pent up energy into good behavior.




If you would like for me to pray for you, please drop me an e-mail by clicking prayer.



Please Visit My Child Bride Suzanne's Blog






I respond to all approved comments on this blog, ideally within 24 hours.  Please check back here for a response to your comment.  Thank you!

Please be advised that all the information in this course is provided to educate, enlighten, and broaden your views in life.  The information provided is not a substitute for medical, legal, dietary, financial/accounting, or religious professionals.  Always consult a professional before you act on any of the information you find in this course. 


Do you have a frugal recipe?  Please e-mail it to me.

Help us reach 1,000 YouTube subscribers. Please watch some of our videos. If you like them, please subscribe. Also, please share our YouTube information with your friends.  We thank you so much for all your help. 

Disclaimer: The opinions or advice listed in this blog or website should be used as a place to start only. It is not a substitute for the use of a professional.

 Please be sure to consult your attorney, accountant, and/or other professionals with any specific questions. There is no one right answer to any business question that will cover all circumstances.

Notice: This post may  contain affiliate links. If you click a link and make a purchase, we may financially benefit from your transaction. Thank you for your support!

Sunday, June 25, 2017

Book Review: Sober Dad.

FTC Required Notice: We were given a copy of Sober Dad: The Manual For Perfectly Imperfect Parenting, written by Michael Graubart, by the publicist for the purpose of writing a review.

Sober Dad is written primarily for dads who are sober alcoholics who are trying to be the best dad they can be, given what they have.

However, it is a great book for any young father, alcoholic or not, to read and learn from.

This book is funny and entertaining while at the same time it provides some good, solid, real-world advice for dads-to-be as well as dads just starting out.

The author, Michael Graubart, is not an “expert” in child rearing.  There is no such thing.  We know from having to deal with so-called experts that most of them have never had children of their own and only understand the theoretical approach to child raising.

Michael Graubart is down here in the trenches fighting the day-to-day battle that many of us have to face. We are not perfect, but we do the best we can and we love those little rug rats.

We give Sober Dad all five stars on our scale of zero to five stars.  So far, Mr. Graubart has not had to deal with an empty nest.  Watch the video all the way to the end to see what happens when a father finally makes it to an empty nest.


Now is the time to order your very own copy of Sober Dad.  You will be glad you did.


If you would like for me to pray for you, please drop me an e-mail by clicking prayer.



Please Visit My Child Bride Suzanne's Blog




I respond to all approved comments on this blog, ideally within 24 hours.  Please check back here for a response to your comment.  Thank you!


Please be advised that all the information in this course is provided to educate, enlighten, and broaden your views in life.  The information provided is not a substitute for medical, legal, dietary, financial/accounting, or religious professionals.   Always consult a professional before you act on any of the information you find in this course. 


Do you have a frugal recipe?  Please e-mail it to me.

Help us reach 1,000 YouTube subscribers. Please watch some of our videos. If you like them, please subscribe. Also, please share our YouTube information with your friends.  We thank you so much for all your help. 


Disclaimer: The opinions or advice listed in this blog or website should be used as a place to start only. It is not a substitute for the use of a professional.

 Please be sure to consult your attorney, accountant, and/or other professionals with any specific questions. There is no one right answer to any business question that will cover all circumstances.


Notice: This post may  contain affiliate links. If you click a link and make a purchase, we may financially benefit from your transaction. Thank you for your support!

Saturday, June 24, 2017

Coupons For You



If you would like for me to pray for you, please drop me an e-mail by clicking prayer.



Please Visit My Child Bride Suzanne's Blog


+++

I respond to all approved comments on this blog, ideally within 24 hours.  Please check back here for a response to your comment.  Thank you!


Please be advised that all the information in this course is provided to educate, enlighten, and broaden your views in life.  The information provided is not a substitute for medical, legal, dietary, financial/accounting, or religious professionals.   Always consult a professional before you act on any of the information you find in this course. 


Do you have a frugal recipe?  Please e-mail it to me.

Help us reach 1,000 YouTube subscribers. Please watch some of our videos. If you like them, please subscribe. Also, please share our YouTube information with your friends.  We thank you so much for all your help. 


Disclaimer: The opinions or advice listed in this blog or website should be used as a place to start only. It is not a substitute for the use of a professional.

 Please be sure to consult your attorney, accountant, and/or other professionals with any specific questions. There is no one right answer to any business question that will cover all circumstances.


Notice: This post may  contain affiliate links. If you click a link and make a purchase, we may financially benefit from your transaction. Thank you for your support!

Welcome to Manian Debil Productions




Hello, and welcome to Manian Debil Productions.  Who are we?

We are David and Suzanne McClendon and family.  The name Manian Debil Productions come from our sweet angel kitty, Xerxes.  When he was healthy, he was a little fireball.  He was constantly moving, which reminded us of the Tasmanian Devil on television.  We called him a Manian Debil as a cute nickname.

When he died, we named our company Manian Debil Productions. This is sort of the umbrella for all of our endeavors.  

We published our three books; Shattered, How to Pay Off Your Debt, and Is Homeschooling Right For You? under Manian Debil Productions.

Our T-shirts, Taters Not Haters and Don’t Worry Honey Bee Happy are also under Manian Debil Productions.

We have several blogs, all of which are also under Manian Debil Productions.  They are:

McClendon Villa: which is dedicated to photography, poetry, literature, and all other things art-related.  You can find it at:   https://mcclendonvilla.wordpress.com/

P.S. Annie! 2: which is all things genealogy. You can find it at:


P.S. Annie!:  P.S. Annie was named for Suzanne’s great-grandma Annie Black Gunter.  Her picture is the one on the left side of the banner.  Suzanne’s baby picture is on the right side of the banner.  P. S. Annie! is sort of a “catch all” blog for Suzanne.  She posts most of her posts here. Some things that appear on other blogs of hers are posted here, too.  You can find P.S. Annie! at:

All of the above blogs are hosted by Suzanne.  

Blogs hosted by David are:

How to Manage Your Monkey:  How to Manage Your Monkey is meant to help people with personal improvement.  We like to call it “Life Recipe”.  Many people speak of Life Balance but that phrase makes on think of equal parts of everything.  However, we don’t need everything in our lives in the same proportions.  Like when making a recipe, we need the right ingredients in the right amounts to be successful.

How to Manage Your Monkey has a course running on it to help people improve themselves.  We also run guest posts with articles related to self-improvement.  One of our favorite guest post authors is Al Zdenek.

Mr Zdenek is a leading wealth manager.  He has befriended us and has written articles that speak to our audience.

Although we live in different worlds, Mr Zdenek can understand where we are coming from. In his world, his friends know the differences in different vintages of wine. In David’s world, people know the difference between Thunderbird with the red label and Thunderbird with the blue label.  

Big Al, as David calls him because his signature line has a graphic of his first name that is larger than the rest of the email print, is the author of that wonderful book Master Your Cash Flow.

Big Al has suggested that we start a podcast of How to Manage Your Monkey.  We have figured out the how to do it; now, we just need to find the money to host it.


You can find How to Manage Your Monkey at:

http://how-to-manage-your-monkey.com/

And


And coming soon to:


David also has Redneck MBA.  There is no question that David is a redneck.  Back in 2012, he earned his MBA from the Florida Institute of Technology (FIT) and he has done work towards a DBA (Doctor of Business Administration).  

On the Redneck MBA blog, David seeks to break business terms down into terms “so simple even a redneck can understand them”.

He also runs reviews of business-related books, as well as guest posts written about various business topics.

You can find Redneck MBA at:


Random Thoughts and Observations: David also hosts Random Thoughts and Observations.  This is sort of a “catch all” blog for David.  

He posts almost everything that he posts on the other blogs here. He also posts things like memes here. Every Tuesday, at least up to January of 2018 there are posts called Tuesday’s with Gindy.  This is some story, true or not, told by David, A. K. A. Gindy.

You can find Random Thoughts and Observations at:



Suzanne and David also have review sites you can find at:


And



We also have McClendon Villa which is a reblog of many of the posts from the other blogs you can find it at:


We review many books and other products here at Manian Debil Productions.  Our review policy is simple.  We ask authors and publicists not to send us anything that has God’s Name used in vain. We also ask that there be no explicit sex in the book and that any videos or still images not have any immodestly dressed people.

If they do send anything that violates that policy, it will get marked down.  It will normally be marked down to zero stars.  People still send us things like that.  When we post the reviews on Amazon, we get hammered by negative comments and “Not Helpful” votes.  

But, like our U.S. History teacher Anna Dean Pennington, at Crescent High School back in South Carolina, used to say, “Eyes calls ‘em likes eyes sees ‘em.”  Don’t send it if it contains these things.

We don’t know why Christians won’t stand with us on these reviews and give us “Helpful” votes on Amazon.  But we stand by what we believe.


We also have our YouTube Channel.  We have videos on a wide range of subjects.  We have lessons in business, just plain stories and jokes, and we have product reviews.  In order to get a product/book review on our YouTube channel, the product has to rate all five stars.  



One reason for this is that when David’s computer died, he had only backed up the five star graphic Suzanne had made to the thumb drive. He is too lazy to look for the other graphics.

The real reason is that we feel we should not waste our watchers’ time by having videos about something we are not 100% behind.  



Recently, we have added C. Moore Hamlet to the end of many of our videos.  C. Moore Hamlet is a plastic skull that our daughter left in the studio when she went back to the University of Houston.

Hamlet's Best




David started playing around with him and he developed a personality of his own.  Some people actually watch all the videos to the end and are often treated with about a minute of Hamlet.  It has been suggested that Hamlet get his own blog. We are working on that idea.  If you have any suggestions, send them directly to Hammie at c.moore.hamlet@gmail.com .

You can find our YouTube Channel at:


Also, you can support these blogs by clicking on the ads and making purchases, by watching the ads that appear before the videos all the way through, and/or by donating using the PayPal links that appear in the sidebars of many of our blogs.  Thank you.


If you would like for me to pray for you, please drop me an e-mail by clicking prayer.



Please Visit My Child Bride Suzanne's Blog


I respond to all approved comments on this blog, ideally within 24 hours.  Please check back here for a response to your comment.  Thank you!

Please be advised that all the information in this course is provided to educate, enlighten, and broaden your views in life.  The information provided is not a substitute for medical, legal, dietary, financial/accounting, or religious professionals.  Always consult a professional before you act on any of the information you find in this course. 


Do you have a frugal recipe?  Please e-mail it to me.

Help us reach 1,000 YouTube subscribers. Please watch some of our videos. If you like them, please subscribe. Also, please share our YouTube information with your friends.  We thank you so much for all your help. 

Disclaimer: The opinions or advice listed in this blog or website should be used as a place to start only. It is not a substitute for the use of a professional.

 Please be sure to consult your attorney, accountant, and/or other professionals with any specific questions. There is no one right answer to any business question that will cover all circumstances.

Notice: This post may  contain affiliate links. If you click a link and make a purchase, we may financially benefit from your transaction. Thank you for your support!