RLG_NewsLetter_Aug2017

IssIusseuNeoN. o2.618 Issue No. 17 NovAemugbuesrt 22001167 News LetterWe present to you, our Twenty Sixth edition of Newsletter with some interesting articles. In thetechnical topic section, “Workplace Pensions” is covered. Find out an interesting article about 3Dprinting and its importance and applications in real life. Kriya carries a beautiful picture for you tocaption. Think Awareness section contains article on evolution of Emoji’s and its widespread usage. Anintriguing Crossword awaits you as always. Check out the genius who nailed last edition’s crossword.We hope you enjoy reading our newsletter. Have some information you want to share? Let us know bycontacting the editorial team. Also, feel free to send in your suggestions to improve our newsletter andother things you would like to see in the newsletter. -The Editorial TeamWorkplace pensions 3D Printing Emoji’s Page - 2 Page - 4 Page - 6Kriya - Get Creative Mind Stretchers – 1 Cross Word Page - 7 Page - 8

Issue No. 26 August 2017 Workplace pensionsAbout Workplace pensionsA workplace pension is a way of saving for your retirement that’s arranged by your employer.Some workplace pensions are called ‘occupational’, ‘works’, ‘company’ or ‘work-based’ pensions.How they workA percentage of your pay is put into the pension scheme automatically every payday. In mostcases, your employer also adds money into the pension scheme for you. You may also get taxrelief from the government.What happens when you’re automatically enrolled?Your employer must write to you when you’ve been automatically enrolled into their workplacepension scheme. They must tell you: the type of pension scheme and who runs it how much they’ll contribute and how much you’ll have to pay in how to leave the scheme, if you want to how tax relief applies to youDelaying your enrolment dateYour employer can delay the date they must enroll you into a pension scheme by up to 3 months.In some cases they may be able to delay longer if they’ve chosen either: a ‘defined benefit’ pension a ‘hybrid’ pension (a mixture of defined benefit and defined contribution pensions) that allows you to take a defined benefit pensionYour employer must: tell you about the delay in writing let you join in the meantime if you ask toWhat your employer can’t doYour employer can’t: unfairly dismiss or discriminate against you for being in a workplace pension scheme encourage or force you to opt outWhat you, your employer and the government pay:The amount you and your employer pay towards the pension depends on: what type of workplace pension scheme you’re in whether you’ve been automatically enrolled in a workplace pension or you’ve joined one voluntarily (‘opted in’) 2

Issue No. 26 August 2017Example You’re in a defined contribution pension scheme. Each payday: you put in £40 your employer puts in £30 you get £10 tax relief A total of £80 goes into your pension.Tax relief:The government will usually add money to your workplace pension in the form of tax relief if both ofthe following apply: you pay Income Tax you pay into a personal pension or workplace pension Even if you don’t pay Income Tax, you’ll still get an additional payment if your pension scheme uses ‘relief at source’ to add money to your pension pot.If you’ve been automatically enrolledYou and your employer must pay a minimum percentage of your ‘qualifying earnings’ into yourworkplace pension scheme.‘Qualifying earnings’ are calculated from either: the amount you earn before tax between £5,876 and £45,000 a year your entire salary or wages before taxIf your employer offers you a defined contribution pension the minimum amounts that must be paidinto it could go up in April 2018 and April 2019, if parliament approves the changes. They might notincrease if your employer is paying above the minimum amount already.The minimum amounts could also be higher for you or your employer because of your pensionscheme’s rules. They’re higher for most defined benefit schemes.In other schemes, you and your employer have the option to pay in more than the legal minimum. Youcan pay in less - as long as your employer puts in enough to meet the legal minimum.If you’ve voluntarily enrolled in a workplace pensionYour employer must contribute the minimum amount if you earn more than: £490 per month £113 per week £452 per 4 weeksThey don’t have to contribute anything if you earn less than this. 3

Issue No. 26 August 2017 3D PrintingWhat is 3D printing?3D printing, also known as additive manufacturing (AM), refers to processes used to create a three-dimensional physical object from a computer-aided three-dimensional model, typically by laying downmany thin layers of a material in succession. Objects can be of almost any shape or geometry, size andmaterial and are produced using digital model data from a 3D model or another electronic data sourcesuch as an Additive Manufacturing File (AMF) file. STL is one of the most common file types that 3Dprinters can read.The traditional manufacturing processes were of subtractive type where unwanted material is removedfrom the block of raw material to get an object of desired shape. The additive manufacturing techniquehas massively reduced material wastage, effort, time and cost of manufacturing of an object comparedto traditional (subtractive) fabrication processes. Customised product production in very less time is asignificant advantage of this technology.Mostly used 3D printing methods are:Stereo lithography (SLA)  Digital Light Processing(DLP)  Fused deposition modelling (FDM)  Selective Laser Sintering (SLS)  Selective laser melting (SLM)  Electronic Beam Melting (EBM)  Laminated object manufacturing (LOM)3D Printing in Automotive Sector This technology reduced initial investment required to develop a prototype in automotive industry, all most all automotive giants are using this technology to visualize new products with less investments. Strati, the world’s first electric car to heavily utilize 3D printing during the production process were developed by Local Motors. It was manufactured using a Large Scale 3D printer developed by ORNL and Cincinnati Inc. It took just 44 hours to print during the 2014 International Manufacturing Technology Show in Chicago, Illinois. The printing was followed by three days of milling and assembling, with the completed car first test-driven on September 13, 2014. 354

Issue No. 26 August 20173D Printing in Medical Industry In the past, doctors implanted structures into patients made by hands. 3D printing has drasticallyimproved this process. It has been used to print organs from a patient's own cells, so that patients may nolonger have to wait a long time for donors in the future. 3D printing is also helping to create limbs for crippled known as prosthetic limbs. With theselimbs, they can walk and do their own work without depending on others. With the help of 3D scanner doctors are scanning patient’s limb and printing the counter part forit using 3D printing. Scientists have developed 3D-printed skin for burn victims, airway splints for infants, facialreconstruction parts for cancer patients, orthopedic implants for pensioners. The fast-developing technology has churned out more than 60m customized hearing-aid shellsand ear moulds, while it is daily producing thousands of dental crowns and bridges from digital scansof teeth, replacing the traditional wax modelling methods used for centuries.3D Printing in other sectors 3D printing is also being used in many other industries like  Architecture  Defense  Fashion  Food Industry  Education and Research  Art and Jewellery  Bio Printing  Cultural heritage Nowadays, 3D printing has become primary source for developing prototypes in researchinstitutes. Scientists are bringing out their thought into reality as soon as possible.Future Scope of 3D Printing technology: The defense industry is rapidly expanding the use of 3D printing to make parts and tools for moresophisticated military equipment. Also it is planning to incorporate 3D printers, such that soldiers canquickly produce parts in large number such as prosthetics and dental crowns when they are injured. In Aerospace industry, scientists are experimenting to send 3D printers (capable of working inspace) in to space with astronauts, so that they could easily print and replace parts or tools if gotdamaged in space which reduces risk of carrying extra parts. 5

Issue No. 26 August 2017 Emoji’sIn the late 1990s emoji are originated on Japanese mobile phones and become increasingly popularworldwide. The word emoji comes from the Japanese which actually means pictograph and describedas e = picture mo = writing ji = character = (Emoji ).The resemblance to the Englishwords emotion and emoticon is purely coincidental. In 1999, mobile phone companies noticed a trendof increasingly sending picture messages as a way to communicate. Also they figured it out thatpictures are much larger than text messages where a single picture message can be the size ofhundreds or thousands of small sized text messages. Mobile operators were already struggling tosupport the needs of 80 million users of a rapidly growing technology. Engineers were told to fix thisproblem.TfrheeqNueesnowtlluytBiaousnssoicwniaeatsesds EwImliltuohjsim.troabitlieopnhsone apps, electronic Emoji are picture characters most messages, web pages, blogging dashboardsand other sRoceicaol rmdedthiaeonr unemtwbeorrkos.fEnmeowji baruesuinseedssmiullcuhstlirkaetieomnortiecqounessatnsdweixtihst ain rveatriiroeums egnetnres,including fdaacitaeloevxeprre7s5sions, body posture to convey mood, attitude or emotion, common objects,places, types of weather and animals.  Record the number of new business illustration requests with an age over 75The first emoji was created in 1999 in Japan by Shigetaka Kurita. He was part of the team working onNTT DoCoAMno'eswi-mMoIderemcobrdilemInutsetrnOetNpLlaYtfobremr.eKcuorridtaedtooifkainnspeiwratqiounotferoims pwreoadthuecrefdoruecnadsetsr thatused symbtohles ntoewshaodwviswereather, Chinese characters and street signs, stock symbols to expressemotions, such as light bulbs signifying inspiration. DoCoMo i-mode was the first mobile phoneprovNideewr inBJuapsainn etossallCowomusperles ttiooandd pictures of commonly used emoticons to their text messages.In a time oRf etecxotrmd ethsseagneusmwbiethr 6o0f noer w14b0ucshinareascsteprolliimciietss awnidthema orjeitibreeimngena tsdinagtlee gcrheaaratecrter, Usersrejoiced atthhaavnin7g5e. moji at their fingertips and it made their text 'come alive'. Therefore, Emoji canroughly be translated to standardized icons with a predefined meaning. What makes Emoji special isthat it wasRdeecvoerlodptehdebnyusmcibenetrisotsf wnheewrebtuhsisinceosusldpoelmiceiregse wasitha naenwalgaeng(uTahge iangewhmicuhstonbee canconvey theciralfceueliantgesd, antartrhaetecustrorreienscywditahtew–idtehreasntgaertodf aetme oojfi’tsh. eApsoalicryes)uoltn, osorcoiavlenre7tw5 orks andmesEsaxgiisntginapgpsIlalruesetrxapatinodninsg their emoji options for users, and other businesses are using them todrive their Rmeacrkoertdintghceanmupmaibgenrs,ocfreeaxtinstginagwaprleannessillustrating on. a change of the retirementEmoji are dmaatkeintog aenroeutigrhemofenatndiamtepagcrtetahtaetretvheannGaogoeg7le5is paying attention by including them insome of itsShseoawrcphrorejseuclttiosnnipfipgeutsr.esAfnodr, ebaocrdheryienagrounptthoetbhiezasrerlee,cted OrextfiorredmDenicttidoantaeries actuallynamCedhaannegmeoDji ethteai“lfsace with tears of joy” as its Word of the Year in 2015. Facebook also filed aapaptaernttictuolaursRefeafccaoec.riadSlor,tehwceohgennniuttihmoanbt eteermchoonjfioilseoxgeyinsttteiorneigdd,eFnptaliacfynebstohoeckheammnoagyjiinitnhgsattetaahdeussuerrbestmitiroteusmtteferaneqmt uaedtncathtleeydutposhesoatwoiothfthe user’s refaticree.mSennatpdcahtaet garuetaotmerattihcaalnlyagaedd7s5 emoji’s next to you friends’ names. The firstinternational Emojicon conference was held in San Francisco, California on November 4, 2016 andworld Emoji day celebrated on 17th July. 7 67687

Issue No. 26 August 2017 KRIYA-GET CREATIVE!Caption this!!!These days’ people work more and exercise less. It’s quite common to see people givethe no time to exercise excuse much more than ever before. But what if you couldactually work out at work? A picture can tell thousands of stories!A lot of stretching, muscle strengthening and mucGh imveonreacnaonpbpeordtuonneityin, eovffeircye pheorusrosn, actanyour desk. Any amount of exercise may it be, it cuminutelarptirveetlya wpiocrtkusrefoirnoaned’isffbeerennetfiwt.ay.\"As ergonomic as your desk or chair may be, sittKinrigyparhoednucceesgibvaecskypoauinasn,ohpepaodratuchneitsy,and listlessness. You become less productive.\" SatoysexJoparensPsryicoeu,ratuhtohuogrhotfs.The Anytime,Anywhere Exercise Book. Caption the image towards your left and send it to us. Best caption will be published in our next edition. You can also send across the best pictures you have clicked. We shall publish them in our next edition. Hurry! Send youPricctaupretiCornesdiatns:d images to Priyanjan Kumar [email protected] Credits: Siddharth Asopa Michael JordanBest caption of Last month was given was cut from theby, Giridharan high-school basketball team asCTBohonuegynrdFaaEtruNileaCstidEoonynso’!ut! kineep people out! he was “lacking skill”. 1970879

Issue No. 26 August 2017 Mind Stretchers - Crossword 1 2 34 8

Issue No. 26 August 2017Down2. A _________allows policy holders to take a break from paying the premiums into theirpension plan.Across1. Someone who benefits from a will, a trust, a life insurance policy or death benefits froman annuity is called _______3. Someone who is financially ________ on you, typically a partner. Annuity providersoften require proof of this-such as a joint utility bill or mortgage/bank statement4.A term that could appear in your pension statement and in this context, means theproportional amount of pensionable earning you will receive from your final salary scheme(Defined Benefit scheme) for each year of service-often described as 1/60th or 1/80th is_______Send across your answers to [email protected] –First Right answerwins an attractive gift!!!Last month’s Mind Stretchers winner– Sayali Telkar Congratulations!!! 9

Issue No. 26 August 2017 Crossword Answers– July edition p a y mpeR e pr o j e c t i o nee htma usis nus dmu e rr ah ne ca ed DR. APJ ABDUL KALAM 10

Issue No. 26 August 2017 News Letter Team Rajeshwari Potdar Lohith [email protected] [email protected] 097 4158 5016 099 8036 4995 Rahul Rajagopalachar Asha [email protected] [email protected] 080 6701 3145 099 0044 8024 Contributors *Venkata kommoju *Archana Vangala *Prabhu Gurikar Follow us on RLG - NEWS LETTER Newsletter Editor: Lohith Javvaji 11