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Tampa Bay Braces for What Could Be Worst Storm in a Century

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Tampa Bay Braces for What Could Be Worst Storm in a Century

FORT MYERS BEACH, Fla. — Hurricane Milton weakened slightly Tuesday but remained a ferocious storm that could land a once-in-a-century direct hit on Tampa and St. Petersburg, engulfing the populous region with towering storm surges and turning debris from Helene’s devastation 12 days ago into projectiles.

Almost the entirety of Florida’s west coast was under a hurricane warning as the storm and its 155 mph (250 kph) winds spun just off Mexico’s Yucatan peninsula, creeping toward the state at 12 mph (19 kph) and sucking energy from the Gulf of Mexico’s warm waters.

Milton’s center could come ashore Wednesday night in the Tampa Bay area, which has a population of more than 3.3 million people. The county that’s home to Tampa ordered evacuations for areas adjacent to the bay and for all mobile and manufactured homes by Tuesday night.

Read More: Why Tampa Is Especially Vulnerable to Hurricane Milton

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Lifeguards on the peninsula that forms Tampa Bay removed beach chairs and other items that could take flight in strong winds. Elsewhere, stoves, chairs, refrigerators and kitchen tables waited in heaps to be picked up.

Sarah Steslicki, who lives in Belleair Beach, said she was frustrated that more debris had not been collected sooner.

“If this one does hit, it’s going to be flying missiles,” she said Monday. “Stuff’s going to be floating and flying in the air.”

The National Hurricane Center downgraded Milton early Tuesday to a Category 4 hurricane, but forecasters said it still posed “an extremely serious threat to Florida.” Milton had intensified quickly Monday, becoming a Category 5 storm at midday with maximum sustained winds of 180 mph (285 kph) before being downgraded.

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Forecasters warned that Milton could bring a 10- to 15-foot (3- to 4.5-meter) storm surge to Tampa Bay, leading to evacuation orders being issued for beach communities all along the Gulf coast. In Florida, that means anyone who stays is on their own and first responders are not expected to risk their lives to rescue them at the height of the storm.

Milton is forecast to remain an extremely dangerous hurricane through landfall and as it makes its way across central Florida toward the Atlantic Ocean with rainfall totals as high as 18 inches (20 centimeters) possible, according to the hurricane center. That would largely spare other states ravaged by Helene, which killed at least 230 people on its path from Florida to the Appalachian Mountains.

Tampa Bay has not been hit directly by a major hurricane since 1921, and authorities fear luck is about to run out.

“In the end, it matters where it goes because how it affects people, and if you look at the population in Florida, there’s much more population across the central part of the state than there is in the Big Bend,” said hurricane specialist John Cangialosi, reflecting on Helene’s path.

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President Joe Biden approved an emergency declaration for Florida, and U.S. Rep. Kathy Castor said 7,000 federal workers were mobilized to help in one of the largest mobilizations of federal personnel in history.

“This is the real deal here with Milton,” Tampa Mayor Jane Castor told a Monday news conference. “If you want to take on Mother Nature, she wins 100% of the time.”

The Tampa Bay area is still rebounding from Helene and its powerful surge — a wall of water up to 8 feet (2.4 meters) it created even though its eye was 100 miles (160 kilometers) offshore. Twelve people died there, with the worst damage along a string of barrier islands from St. Petersburg to Clearwater.

Stragglers were a problem during Helene and 2022’s Ian. Many residents failed to heed ample warnings, saying they evacuated during previous storms only to have major surges not materialize. But there was evidence Monday that people were getting out before Milton arrives.

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A steady stream of vehicles headed north toward the Florida Panhandle on Interstate 75 as residents heeded evacuation orders. Traffic clogged the southbound lanes of the highway for miles as other residents headed for the relative safety of Fort Lauderdale and Miami on the other side of the state.

About 150 miles (240 kilometers) south of Tampa, Fort Myers Beach was nearly a ghost town Monday afternoon as an evacuation order took effect. Ian devastated the 5,000-resident community two years ago, its 15-foot (4.5-meter) storm surge destroying or severely damaging 400 homes and businesses. Fourteen people died there as they tried to ride out the storm, and dozens had to be rescued.

On Monday, the few residents who could be found were racing against the clock to safeguard their buildings and belongings. None said they were staying.

The signs of Ian’s devastation remain visible everywhere. Rebuilt homes stand next to others in various states of construction. There are numerous vacant lots, which were once rare.

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“This whole street used to be filled out with houses,” said Mike Sandell, owner of Pool-Rific Services. His workers were removing and storing pumps and heaters Monday from his clients’ pools so they wouldn’t get destroyed.

Home construction supplies like bricks, piping and even workers’ outhouses lined the streets, potential projectiles that could do further damage if a surge hits.

At the beach Monday afternoon, workers busily emptied the triple-wide trailer that houses The Goodz, a combined hardware, convenience, fishing supply, ice cream and beach goods store. Owner Graham Belger said he moved his “Your Island Everything Store” into the trailer after Ian destroyed his permanent building across the street.

“We’ll rebuild, but it is going to be bad,” he said.

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Nearby, Don Girard and his son Dominic worked to batten down the family’s three-story combination rental and vacation home that’s about 100 feet (30.5 meters) from the water. Its first-floor garage and entranceway were flooded by Helene last month, Hurricane Debby in August, and a tide brought by a recent supermoon.

Ian was by far the worst. Its waves crashed into the 14-year-old home’s second floor, destroying the flooring. Girard repaired the damage, and his aqua-blue and white home stands in contrast to the older, single-story house across the street. It was submerged by Ian, never repaired and remains vacant. Its once-off-white walls are now tinged with brown. Plywood covers the holes that once contained windows and doors.

Girard, who owns a banner and flag company in Texas, said that while his feelings about owning his home are mostly positive, they are becoming mixed. He said every December, his extended family gathers there for the holidays. At that time of year, temperatures in southwest Florida are usually in the 70s (low 20s Celsius) with little rain or humidity. The area and its beaches fill with tourists.

“At Christmas, there is no better place in the world,” Girard said.

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But flooding from Ian, the other storms and now Milton is leaving him frustrated.

“It’s been difficult, I’m not going to lie to you,” Girard said. “The last couple years have been pretty bad.”

___

Daley reported from Tampa. Contributing to this report were Associated Press writers Mike Schneider in Orlando, Kate Payne in Tampa, Freida Frisaro in Fort Lauderdale and Seth Borenstein in Washington.

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Do At-Home Red Light Masks Really Work?

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Do At-Home Red Light Masks Really Work?

If you’re always on the lookout for the latest skincare gadget, you may have already tried facial rollers, sculpting wands, and dermaplaning devices. And you may be curious about the red-glowing masks that you’ve seen making the rounds on social media.

Red-light masks use low levels of light-emitting diode, or LED, to stimulate skin cells, says Dr. Jennifer Sawaya, a dermatologist at U.S. Dermatology Partners Scottsdale in Arizona. “Red light is a type of visible light that has been clinically shown to rejuvenate the skin.” 

Instagrammers and TikTokkers claim the masks—which, face it, do make you look like a character from a sci-fi film—can minimize wrinkles, smooth your complexion, and even improve acne. But these masks can be pricey, costing anywhere from $100 to thousands of dollars, and similar but stronger treatments are available at spas and dermatologists’ offices.

So, do at-home red light masks actually work? Sawaya says studies have shown red-light therapy can benefit the skin, but seeing results depends on using the devices regularly. Here’s what you should know about red-light masks. 

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What can red-light masks do for your skin? 

Red-light therapy has been used for decades in a variety of treatments. NASA first began using it to boost plant growth in space in the 1990s and then to speed up wound healing. The light’s ability to penetrate the skin was shown to help promote collagen and tissue growth. 

It’s also used in photodynamic therapy, which utilizes low-power red laser light to drive a cell-destroying chemical reaction that can treat conditions like skin and other types of cancer, psoriasis, acne, and warts, according to the Cleveland Clinic

As an anti-aging treatment, low-level light therapy with red and infrared wavelengths can improve how skin cells work, explains Dr. Heather Rogers, a dermatologist at Modern Dermatology in Seattle. Cells absorb energy from the light, which makes them more efficient in using oxygen and producing the compounds cells use for fuel. 

“With more fuel, the cells become more active and better at doing their jobs, including DNA repair, collagen synthesis, and calming inflammation,” she says. 

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Read More: How Much Do You Actually Need to Shower?

As you age, you start to lose collagen, a protein that gives your skin structure and elasticity. Sun damage can also deplete it. So boosting collagen production can make wrinkles and fine lines less apparent. 

A 2019 company-sponsored study published in the Journal of the American Academy of Dermatology suggested that low-level red and infrared light stimulate biomarkers that are linked to anti-aging skin benefits, and daily at-home treatments could improve the signs of early aging and sun damage. 

In other words, red light can help “rejuvenate” your complexion, Sawaya says. “Specifically, studies have shown that red-light therapy can reduce the appearance of wrinkles, pigmentation, broken blood vessels, and improve the skin’s elasticity and hydration.” 

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Red light isn’t the only color of visible light that can benefit the skin. 

Another company-sponsored study published in the Journal of the American Academy of Dermatology in 2018 found that red- and blue-light therapy could help treat mild to moderate acne. The research suggested that blue light may reduce acne-causing bacteria on the skin, while red light minimized inflammation. Sawaya says blue light may also decrease the activity of oil glands, which encourages acne.

Blue light may also help treat mild psoriasis, according to the American Academy of Dermatology

How to get the best results from an at-home red light mask

It can take time to see results from red-light therapy, and it may not work for everyone, says Dr. David Kim, a dermatologist at Idriss Dermatology in New York City. He recommends consistently using a red-light mask three to five times a week for at least a couple of months if you’re interested in minimizing the signs of acne, treating acne, or smoothing your complexion. 

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“Figure out your habit and stick to it,” suggests Rogers, who wears a red-light mask before her morning skincare routine and before bedtime.

Read More: What’s the Best Skin-Care Routine?

The masks are most effective when used on clean, dry skin so the light can be well absorbed by the skin, Sawaya says. Sometimes, the masks can dry out your skin, so Rogers suggests moisturizing afterward. 

When purchasing a red-light mask, make sure the product has been cleared by the U.S. Food and Drug Administration (FDA), which classifies medical devices, including light therapy masks, into different categories, and follow the manufacturer’s directions, Sawaya adds. Most products state whether they’re FDA-cleared. You should use the mask for only the time recommended; most brands suggest using products for about 10 minutes at a time. 

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For skin improvements, the ideal wavelength for red light is about 640 nanometers and about 830 nanometers for infrared light, Rogers says. 

How at-home masks differ from in-office versions

At-home red light masks can be beneficial, but Kim says they’re not as “robust” as the LED therapy offered in dermatologists’ offices or spas.

“At-home red and blue light LED masks use much lower energy levels than what you would expect in an in-office treatment,” Sawaya explains, so you likely need to use them daily to see results.

Still, at-home versions can complement in-office light treatments, Rogers says, adding that if you use your mask at home—while also taking good care of your skin by moisturizing and diligently wearing sunscreen—you may need fewer in-office treatments.

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There are several red-light masks available. Rogers says her favorites are by Celluma and Omnilux, and she suggests choosing a full-face mask or ones with larger panels instead of handheld wands for more uniform treatment. 

“For best outcomes, the device needs to be touching or nearly touching your skin to ensure the energy is being absorbed into your skin,” she explains. 

Are red light masks safe? 

At-home LED masks are generally safe for most people, as they use relatively low levels of energy, Sawaya says. 

However, if you have sensitive skin or are sensitive to light, you should avoid the masks unless your doctor gives you the OK, she notes. 

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Read More: 5 Dermatologists on the 1 Thing You Should Do Every Day

Light therapy can also worsen melasma, a condition that causes blotches to form on the skin, Rogers says. Visible light, including red and blue, might also worsen hyperpigmentation or melasma for people with darker skin tones, Kim adds. 

If you’re using a red-light mask daily and not getting the anti-aging results you’re hoping for, or you’ve noticed dryness, pigmentation shifts, or other skin changes, Kim suggests seeing a dermatologist. Doctors can recommend the best treatments based on your skin type and individual needs. 

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Tupperware of Ashes theatre review — Meera Syal stars in an immensely poignant drama

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Unlock the Editor’s Digest for free

From Lear stripping off in the storm, to André, in Florian Zeller’s The Father, lamenting “I’m losing all my leaves”, drama has powerfully portrayed the heartbreaking destruction of dementia. Now it’s the turn of Queenie in Tanika Gupta’s immensely poignant new play: a brilliant, tough Bengali matriarch (movingly portrayed by Meera Syal) whose fierce dismissal of her adult children’s concerns over her increasing forgetfulness is rapidly undermined by the onset of Alzheimer’s.  

It’s a painful subject, but theatre is a great space to discuss it. Here story can offer companionship to affected audience members and bridge the gap between the outside world and the world of the mind.

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Gupta deftly feels her way along this tightrope. As Zeller does with The Father, she uses stagecraft to bring us into Queenie’s experience. But while Zeller deploys confusing shifts in time and character to express the disorientation of dementia, here Queenie’s experience is more varied. Certainly it’s grim. There is shock and bewilderment as Queenie, owner of a successful Michelin-starred restaurant in London, suddenly realises that she is planning for an event that took place months earlier. Then there’s denial and rage as she refuses to accept what’s happening. Finally there is terrifying confusion as her grip of who and where she is disintegrates.

But although the play is unflinchingly honest, there are also sharp shafts of humour and solace in the elision between memory and reality. Queenie’s long-deceased husband Ameet comes to visit her — episodes that we, like she, experience just as vividly as everything going on around her in the present day. As we skip back to Queenie’s early married life in Calcutta, we see her as she was: clever, passionate, determined. These scenes are often suffused with warmth, but Zubin Varla also makes Ameet an ambivalent figure as he coaxes Queenie to plunge with him into the sea of oblivion.

On a misty stage, a man clad in towels stands to one side while two women wearing bathrobes celebrate with a bottle of champagne
From left, Zubin Varla, Meera Syal and Shobna Gulati © Manuel Harlan

Pooja Ghai’s fluid staging guides us through this seesawing landscape, with Rosa Maggiora’s subtly lit, stratified backdrop rippling with blue like the sea, glowing red like the sunset, or flashing like electrical brain impulses.  We see what Queenie sees but also what her distressed children (Raj Bajaj, Natalie Dew and Marc Elliott) witness as they cope with her volatile mood swings and sometimes deeply hurtful behaviour.

There are many references to Lear, not least in the painful issue of who should look after the ailing parent — a question that highlights both clashing cultural expectations and the current crisis in care for the elderly. A desolate scene, with the family standing outside Queenie’s care home window mid-pandemic, reminds us of how many died, isolated, at that time. Stephen Fewell’s lovely performance as a gentle carer pays quiet tribute to this critical workforce.

It’s a play that tries to cover a few too many areas, but it’s honest, tender and moving. Syal is superb: an indomitable spirit to begin with, she dwindles before our eyes into a silent, crumpled shell. But she, Gupta and Ghai leave us with a version of rebirth, an image of Queenie in her prime. It’s a potent reminder that inside every frail elder is stacked a whole life: a person still to be cherished.

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★★★★☆

To November 16, nationaltheatre.org.uk

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Paragon Bank provides £25m refinancing facility for Essex resi scheme

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Paragon Bank provides £25m refinancing facility for Essex resi scheme

The residential scheme’s initial phase includes 87 units, of which 19 were already sold at the point of refinance.

The post Paragon Bank provides £25m refinancing facility for Essex resi scheme appeared first on Property Week.

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Handelsblatt’s key strategy for unifying print and digital operations

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Handelsblatt's key strategy for unifying print and digital operations

Handelsblatt, Germany’s leading business and financial newspaper, faced challenges with a fragmented editorial workflow. To meet the demands of a digital-first environment, they undertook a major overhaul of their content planning process. Here’s how they successfully unified their editorial operations. 

Overcoming the challenges of fragmentation 

Before the overhaul, Handelsblatt’s editorial teams were using a combination of emails, Google Docs, and a self-developed scheduling tool. This decentralised approach created several obstacles: 

  • Lack of a comprehensive overview: fragmented tools made it difficult to maintain a clear view on projects 
  • Decentralised planning: using multiple tools led to no cohesive strategy, especially across digital platforms 
  • Cumbersome long and short-term planning: short, medium and long-term content planning across separate systems added layers of complexity
  • Disjointed print and digital processes: consolidating print and digital channels resulted in inefficiencies
  • Unstructured editorial conferences: meetings often felt scattered making it difficult to keep participants aligned. 

Stefan Kaufmann, lead managing editor at Handelsblatt, noted: “We needed a unified platform that was accessible everywhere and on all devices. The merging of print and online editorial processes increased complexity and highlighted the need for better planning.” 

To address these challenges, Handelsblatt introduced Kordiam, a centralised content planning tool integrated with their content management system (CMS).  

A breakdown of Handelsblatt’s editorial process:

Handelsblatt editorial process as organised through Kordiam

Story registration through author

At the first stage of Handelsblatt’s editorial process a story is registered on the system by the author. This includes the following steps:


  • Fills in details: title, teaser, personas, target group etc. 
  • Assigns tasks: text length, images, graphics 
  • Assigns platform: “Story Registration” 
  • Story Status :“Pitch” 

Kordiam then synchronises with the Handelsblatt content management system.

Processing of registration 

  • Departmental managing editor reviews and processes registrations and sets story status to “Accepted” or “Rejected” 
  • Status Accepted 
  • Tasks and elements are specified or supplemented by the departmental managing editors 
  • Earliest possible publication time is assigned to the “Story Registration| platform. 

Writing 

  • Author writes the article in the Content Management System and sets the story status to “Author Ready” in Kordiam 
  • “Editing” task is assigned 

Review of finalised registrations 

  • Editor in chief and planning editors for digital and print review registrations in the dashboard 
  • Discussion of the most important registrations, weighing and daily rough planning in a daily editorial conference. 

Picture editors, research, graphics 

  • All departments have individual dashboards in Kordiam 
  • Document the status of their work in Kordiam 

From rough planning to daily detailed planning 

  • All registrations are viewed and evaluated with the help of a dashboard in Kordiam 
  • Planning managing editor digital adds the “Digital Plan” platform and assigns the final planned publication date 
  • Planning managing editor print adds the “Page Plan” platform and distributes the selected registrations to the pages in Kordiam 

Editing 

  • Editing the text 
  • Set story status to “Edited” and add new “Proofreading” task 

Proofreading 

  • Proofreading the text 
  • Update the story status to “Proofread” 

Final production and publication 

  • Managing editors check final texts and update story status to “Done” 
  • Managing editors publish and place texts in the digital, print and newsletter platforms 
  • Managing editors update publication status in Kordiam to “Published” and “Placed” 

A blueprint for other newsrooms 

Handelsblatt’s implementation of a centralised planning tool stands as a powerful illustration of how newsrooms can elevate their operations, foster enhanced collaboration, and effectively tackle the nuanced demands of digital and print publishing.

The overhaul of their editorial workflows yielded notable advantages, including unified editorial planning, where the platform served as a single, accessible hub for planning across various formats, and streamlined content planning workflows, as integration with the CMS alleviated manual tasks and facilitated a more seamless content production process. 

Email pged@pressgazette.co.uk to point out mistakes, provide story tips or send in a letter for publication on our “Letters Page” blog

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Can a crypto ETF die of apathy?

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Forever and ether, amen

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Huge pension scheme shake up could boost retirement savings for millions of workers

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Huge pension scheme shake up could boost retirement savings for millions of workers

A HUGE shake up of pension schemes could boost retirement savings for millions of workers.

A new type of workplace pension, known as Collective Defined Contribution (CDC), recently launched and could soon be expanded.

A huge pension scheme shakeup could mean millions of workers across the UK benefit

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A huge pension scheme shakeup could mean millions of workers across the UK benefitCredit: Alamy

Currently ,there are two main types of pensions through employers – defined benefit (DB) and defined contribution (DC).

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DB pensions pay you a guaranteed income in retirement based on your salary, while with DC pensions, you build up a pot of money and then take an income from it after you stop working.

CDC pension schemes, on the other hand, are where employer and member contributions are pooled together into a collective fund and invested, with the aim of growing this pool of money over time.

Workers are then given a target pension income they will be able to take once they retire.

Companies in the UK have been able to offer CDC pensions since 2022, when new rules gave them the go ahead, and Royal Mail this week became the first company to launch one.

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Now, the scheme could be expanded so that millions more workers can take advantage after the Government launched a new consultation.

It’s proposing that access should be broadened by allowing a wider range of businesses and employees to sign up.

As it stands, only single companies, or companies connected to them, can set up CDC schemes.

But the Government wants schemes to be open to multiple, unconnected employers, making the schemes more accessible.

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Minister for Pensions, Emma Reynolds, said: “We are seizing this exciting opportunity to modernise our pensions market to deliver better outcomes for millions of workers.

“People work hard to put money aside for their pension with every pay cheque. This significant innovation will offer a more predictable income and greater finance security for future pensioners.”

How to track down lost pensions worth £1,000s

The consultation is calling for views from employers, industry experts, pension providers and the public on draft regulations and their potential impact.

It will run for six weeks – until November 19.

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It comes after Chancellor Rachel Reeves launched a huge review of pension schemes that aims to add over £11,000 extra to a typical retirement pot.

What do the experts say?

Experts and others in the industry are being encouraged to take part in the consultation, and many see it as a positive for the UK workforce.

Nausicaa Delfas, chief executive of The Pensions Regulator, said: “Multi-employer CDC pension schemes offer the potential to deliver better outcomes for thousands of UK pension savers, turning a pension pot into a retirement income.

“I encourage industry to take part in the consultation and we look forward to working with Government to develop an appropriate regulatory regime.”

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Others say that the announcement of the consultation shows the current government is putting CDC schemes in the spotlight.

And David Brooks, head of policy at independent consultancy Broadstone, said: “Today’s consultation and the rhetoric from the Pensions Minister suggests CDC will be a core pension policy for the current Government.

“They seem clear that CDC could be an answer to many of the issues in the current pension system – including greater investment in the UK economy – and are looking to replace the reliance on individual DC pots with pooling of collective pots.

“However, if CDC is to gain a foothold in the UK’s pension provision, then there has to be an allowance for unconnected employers to work together. If not, CDC will remain the domain of only the very largest employers.”

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However, Mr Brooks pointed out that launching a new model of pension saving will likely prove a huge operational and financial challenge for smaller employers who also went through the auto-enrolment reforms in the past.

He added that there’s uncertainty over how the “club” approach – where multiple employers pool together – would work in reality.

“The design, regulation and authorisation of these schemes will also need to be implemented correctly, and the current consultation will form the bedrock of this,” he added.

In terms of what the shakeup could mean for workers, Steve Webb, former pensions minister and current partner at LCP, said it should be a good idea for many.

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“In principle, these schemes could be good news for people who are looking for something more than an individual pot of money which they have to manage at retirement,” he said.

“Similar schemes have worked reasonably well in other countries such as Netherlands, Scandinavia and Canada, though with local variations in exactly how they worked.”

How does a CDC scheme differ?

Previously, workers only had two types of pensions to choose from.

DB pensions are where what you get in retirement is decided based on your salary, and you’ll be paid a set amount each year on retirement.

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These schemes are not usually offered to new workers any more, apart from in some public sectors such as the NHS and teaching.

DC schemes are where contributions from you and your employer are invested and then your retirement pension depends on the size of your individual final pension pot.

CDC schemes are seen as sitting between the two, but with a CDC pension, you don’t get your own pot.

Instead, workers in your business will put money into a collective pot – with your employer contributing too.

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This pot is shared between workers, with each employee drawing an income from this big fund when they reach retirement.

Mr Webb explained: “The idea of a collective DC scheme is that it falls somewhere between the two extremes of old-style Defined Benefit (DB) pensions where there is a hard promise and the employer has to bear all the risks, to new-style individual DC pensions where the risks around investment performance, inflation and how long you live are all on the individual.”

He pointed out that in a CDC you are given a target pension figure for each year you are in the scheme, and while it’s not guaranteed, it’s what you’re aiming for.

Mr Webb added: “If everything goes well you may get a bit more. If things go badly then workers and pensioners might get a bit less. This could be, for example, lower annual inflation increases than they were expecting or even – in extreme cases – a cut in pension.

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“The idea is that you do all of this collectively – this means at scale (which could improve cost-effectiveness) and by pooling risks across large numbers of members of all ages.”

He also said that a particular advantage is that a CDC pension lasts as long as you do – so you don’t have to manage an individual pot in your seventies and eighties and hope it doesn’t run out.

What are the different types of pensions?

WE round-up the main types of pension and how they differ:

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  • Personal pension or self-invested personal pension (SIPP) – This is probably the most flexible type of pension as you can choose your own provider and how much you invest.
  • Workplace pension – The Government has made it compulsory for employers to automatically enrol you in your workplace pension unless you opt out.
    These so-called defined contribution (DC) pensions are usually chosen by your employer and you won’t be able to change it. Minimum contributions are 8%, with employees paying 5% (1% in tax relief) and employers contributing 3%.
  • Final salary pension – This is also a workplace pension but here, what you get in retirement is decided based on your salary, and you’ll be paid a set amount each year upon retiring. It’s often referred to as a gold-plated pension or a defined benefit (DB) pension. But they’re not typically offered by employers anymore.
  • New state pension – This is what the state pays to those who reach state pension age after April 6 2016. The maximum payout is £203.85 a week and you’ll need 35 years of National Insurance contributions to get this. You also need at least ten years’ worth to qualify for anything at all.
  • Basic state pension – If you reach the state pension age on or before April 2016, you’ll get the basic state pension. The full amount is £156.20 per week and you’ll need 30 years of National Insurance contributions to get this. If you have the basic state pension you may also get a top-up from what’s known as the additional or second state pension. Those who have built up National Insurance contributions under both the basic and new state pensions will get a combination of both schemes.

Can I get more cash through a CDC scheme?

In theory, you could get more money when you retire under a CDC scheme.

Hargreaves Lansdown’s senior pensions and retirement analyst, Helen Morrissey, previously told The Sun that this is because workers of different ages will invest into a collective pot of money.

This allows cash to be invested in “higher risk investments that might not be otherwise possible for older workers”, she said.

This is because there is a much bigger pot of money to invest, compared to your own individual pot.

The bigger the amount you invest, potentially the bigger the profit you could make – but you are in no way guaranteed a return.

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“If times are tough on the stock market, or people – especially those in ill health – transfer out, then the scheme may have to reduce the income it aims to pay out,” she said.

How can I sign up?

Your employer will have to set up a CDC scheme before you can apply to it.

Employers can set themselves up with a CDC scheme if it’s currently an option for them.

It’s worth getting in touch with your company to see whether it is planning to offer this option or not.

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Top tips to boost your pension pot

DON’T know where to start? Here are some tips from financial provider Aviva on how to get going.

  • Understand where you start: Before you consider your plans for tomorrow, you’ll need to understand where you stand today. Look into your current pension savings and research when you’ll be eligible for the state pension, and how much support you’ll receive.
  • Take advantage of your workplace pension: All employers are legally required to provide a workplace pension. If you save, your employer will usually have to contribute too.
  • Take advantage of online planning tools: Financial providers Aviva and Royal London have tools that give you an idea of what your retirement income will be based on how much you’re saving.
  • Find out if your workplace offers advice: Many employers offer sessions with financial advisers to help you plan for your future retirement.

Do you have a money problem that needs sorting? Get in touch by emailing money-sm@news.co.uk.

Plus, you can join our Sun Money Chats and Tips Facebook group to share your tips and stories

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