Conference season is nearly upon us and Nick Clegg is flexing his liberal muscles as he limbers up�to engage with party activists. Writing in the Guardian, the Liberal Democrat leader issues a strident defence of human rights laws in the …
Source: http://feedproxy.google.com/~r/ft/westminster/~3/R5XMKnociZQ/
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posted by pension333 @ 22:01
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The clocks have sprung forward, the nights are much lighter…a sure sign that ?ISA Season? is upon us. Source: http://www.lse.co.uk/blogs/expert/resident-ifa-blog/sfg3fm/ inheritance tax pension calculator nhs pension pension forecast pensions uk
Source: http://www.iiht.info/isa-season-but-why-2/
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Source: http://www.iea.org.uk/blog/ha-joon-chang-confused-on-bounded-rationality-and-economic-regulation
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Source: http://www.iea.org.uk/blog/crisis-in-the-eurozone
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posted by pension333 @ 16:01
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Let me start out by saying that the persons at my local post office are courteous, helpful and generally terrific people. That said, like most, I was surprised at the news about a suspension of nearly a billion dollars owed to this federal pension plan.
I guest blogged about this issue for CNBC on June 23, 2011. My commentary is reproduced below.
No Pension Checks for the Postman to Deliver?
The mail gets delivered in rain or snow but it might not include pension checks for postal workers. According to a June 22, 2011 press release from the United States Postal Service, it intends to suspend what it owes to its pension plan as a way to “conserve cash and preserve liquidity.” By doing so, it frees up $800 million in cash for the current fiscal year.
This federal plan sponsor is not alone.
In what seems like an unending stream of bad news on the government pension front, countless cities and states are making adjustments to their existing pension and health care plans for retirees.
Two legislative bills in Minnesota would freeze public pensions as of July 1. Following an arbitration, City of Detroit policemen will see smaller payouts. Florida teachers are suing over a new retirement income tax. Congress is seeking more transparency about public pension plan IOUs and has talked about how large scale municipal bankruptcies related to retirement plan liabilities could adversely impact the financial landscape.
While some sources say that the underfunding crisis is improving for states and cities, others angst that the problem is getting worse and that major reforms are needed now. As we head into an election year, politicos are atwitter about the funding gaps associated with entitlements like Social Security and Medicare. Add underfunded public and corporate plans to the mix and things get scary fast.
Some retirement plans are trying to make up for losses by investing in riskier assets. Absent a robust risk management infrastructure, taking on more risk could worsen funding problems later on.
There are solutions but someone has to lead the way. Raising taxes and/or rescinding benefits is unhappy news to voters. More likely to occur is a legislative mandate to pass the retirement plan hot potato onto Corporate America.
Unfortunately, individuals are unlikely to escape unscathed. The tax man cometh almost surely. Joe Q Citizen may end up footing the bill for someone else’s pension plan even if his doesn’t offer one. The gap in funding for entitlements, public plans and personal savings makes for a trifecta with few winners unless material changes are made soon.
Note to Readers:
Source: http://feeds.lexblog.com/~r/PensionRiskMatters/~3/bOQdFa0WvEQ/
posted by pension333 @ 14:02
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?Suitable? is not a word IFA?s often use in connection with Structured Products. Well, at least not until recently.
Source: http://www.lse.co.uk/blogs/expert/resident-ifa-blog/akort6/
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<!– @page { margin: 2cm } P { margin-bottom: 0.21cm } A:link { so-language: zxx } –>
Source: http://www.pensionpractitioner.com/blog/the-future-for-ssas/34/
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posted by pension333 @ 10:01
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The CBI?s report Protecting the UK?s foundations: A [...]
Source: http://touchstoneblog.org.uk/2011/08/manufacturing-security-%e2%80%93-tuc-and-cbi-on-same-page/
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posted by pension333 @ 08:02
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Boris Johnson doesn't want America?s Supercop swooping down on the Met Police with his hard-line "zero tolerance" policies. But how does the NYPD with it's hard-line tactics, compare to the London's Metropolitan poilce?
Source: http://blogs.channel4.com/factcheck/factcheck-londons-met-police-vs-new-yorks-nypd/7562
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posted by pension333 @ 06:01
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After US President Barack Obama announced the drawdown of US forces from Afghanistan, his European allies quickly followed suit. Over the next year, tens of thousands of foreign troops are expected leave. Afghans are divided about the pull-out. Today, News … Continue reading
Source: http://www.pensionlumpsum.info/afghans-split-over-troop-withdrawal-cctv-news/
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posted by pension333 @ 04:01
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Source: http://blogs.birminghampost.net/business/2011/08/kraft-cheese-and-chocolate-don.html
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posted by pension333 @ 02:02
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There is yet another report today (in the [...]
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Source: http://blogs.birminghampost.net/business/2011/08/level-playing-field-for-energy.html inheritance tax pension calculator nhs pension pension forecast pensions uk
Source: http://www.nhspension.info/level-playing-field-for-energy-intensive-industries-is-down-payment/
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Source: http://www.iea.org.uk/blog/an-alternative-to-spirit-level-egalitarianism
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So it’s off to the New World for 2 ½ weeks with a visit to friends and family in Toronto and then on to Arizona and Utah to soak up some of nature’s majesty. Seen through the prism of the Old World’s media, times are just as bad over there as they seem to be over here.
Fundamentally, both worlds are grappling with the same problem – societies that have been living well beyond their means for a generation. Rapidly ageing populations coupled with below-replacement birth rates are leading Europe and the Americas down a trail first blazed by Japan some 20 years ago. The debts for the good times are now due and the coffers are empty.
Even as this process ground on relentlessly, governments everywhere hobbled productivity with unrealistic minimum wages, working-time directives, market-distorting subsidies & taxes, pie-in-the-sky environmental objectives and regulation upon regulation.
An optimistic view would be that a general consensus in most countries of the nature of the problem has taken hold but each country’s response has been different. The first casualty, Iceland, immediately admitted the errors of its ways and just bit the bullet. The EU’s Mediterranean members seemed to be in denial for the longest time in hopes that something will turn up – mostly German money. The EU’s masters – Germany and France – are putting their faith in yet another grand master plan for the European project.
Here in the UK, the consensus on deficit reduction is largely holding with the argument being mostly about speed and depth. The test will come as the modest cuts now in the works actually come into effect over the coming years.
Over in the U.S., the hangover from fighting two wars while spending at home like there’s no tomorrow hasn’t been cured yet. They haven’t even agreed on a course of treatment. In time-honoured American fashion, it’s taken the grass-roots Tea Party movement to grab the politicians by the scruff of the neck to force recognition of the real problem. America usually gets it right in the end but time is running out.
That leaves Canada. From afar, it seems like an oasis of sanity in a tempestuous world. The country went through its fiscal crisis back in the early 1990s and, amazingly, seems to have learned its lesson. The banks are solid and government debt mostly manageable. However, it’s extremely dependent on exports of commodities to America and Asia and, ultimately, its economic fate will be determined in Washington and Beijing.
It’s been a good year for pessimists in the Old World. Let’s see if the New World offers any relief.
Source: http://feedproxy.google.com/~r/TheAdamSmithInstituteBlog/~3/aI7HaNJlxOw/
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posted by pension333 @ 18:01
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State Opening of Parliament. Closing remarks of Prime Minister Gordon Brown during the 2007 Queen’s Speech debate with Leader of the Opposition David Cameron in a scene similar to PMQs (Prime Minister’s Questions). During the discussion, David Cameron refers to … Continue reading
Source: http://www.illhealthretirement.info/brown-vs-cameron-during-queens-speech-debate-3/
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posted by pension333 @ 16:01
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As a plastic surgeon, Sian Falder was trained to detect skin abnormalities, but what made her notice a stranger in a coffee queue? Her story was highly commended in the BMA News writing competition 2011 Source: http://feedproxy.google.com/~r/BMADailyFeed/~3/TCXCjxRN92I/CPAN-8KYDXG pensions calculator ill … Continue reading
Source: http://www.pension-release-uk.info/pattern-recognition-2/
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posted by pension333 @ 14:01
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I have a post at Left Foot Forward, [...]
Source: http://touchstoneblog.org.uk/2011/08/the-stagnating-labour-market/
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posted by pension333 @ 12:01
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Traders were in buoyant mood as the market played catch-up to the US and Asia after the bank holiday, with bank shares leading the way.
Royal Bank of Scotland rose 1.76p to 23.64p as analysts at Deutsche Bank issued a positive note on the sector generally, and RBS in particular. Deutsche raised its recommendation on RBS from hold to buy after its recent falls, with a 35p price target. Analysts Jason Napier and David Lock said:
There is a right price for everything, and we think the last month's moves are overdone. We expect strong management will continue to deliver value in core while managing non-core risk. We expect earnings and capital formation will (ultimately) surprise positively.
Deutsche labelled Barclays, up 10.4p at 165.4p, as its top pick in the sector, and also put a buy rating on Lloyds Banking Group, 2.315p better at 32.03p. Part of the reason was a recent spate of share purchases by bank directors. Deutsche said:
Evidence on the aggregate wisdom of bank directors in the timing the purchase and sale of equity may be mixed but, assuming that no matter how wealthy an individual might be, knowingly wasting money in buying stock at the wrong price is fairly unlikely, means there is some information inherent in insider buying and selling activity. In recent days we have seen stock purchases by the chief executives of Barclays, LBG and RBS in particular.
The sector also benefited from news of the merger of two Greek banks, as well as comments from EU commissioner Olli Rehn who said the health of EU banks had improved over the past year.
With the boost to bank shares, the FTSE 100 finished 138.74 points higher at 5268.66 - its biggest increase since August 11. The rise added �36bn to the value of Britain's top companies and came despite an uncertain start on Wall Street following disappointing US consumer confidence figures ahead of Friday's key US non-farm payroll data.
Mining groups were also wanted as risk appetite returned, with Vedanta Resources up 91p at �13.37 after JP Morgan Cazenove highlighted the company as a beneficiary of emerging market growth. Lonmin climbed 100p to �12.75 and Fresnillo finished 121p higher at �19.99.
Smith and Nephew added 22.5p to 596.5p on renewed talk of a possible bid from a rival, with US group Styker and a price of around 850p a share mentioned. S&N has long been tipped as a takeover target, with Johnson & Johnson and Biomet both suggested in the past as potential predators.
But retailers slipped back, with Tesco down 0.8p to 364.8p despite a positive note from Shore Capital after the broker visited the supermarket group's Fresh & Easy business in the US. Analyst Clive Black said:
We return believing that F&E's 'new plan' is making a positive difference and we are materially more confident that it can reach what we deem is a first 'step to heaven' of breaking even. More to the point, we assert that the contribution of refitted stores, stronger new outlets and positive operational gearing means that F&E is on a more robust path to contribute to group earnings, so carrying growing implicit investment value; we forecast 'step 2', a first full year of profitability, in 2013/14. Step 3, becoming accretive to group return on capital employed, is a longer-term prospect, but progress in steps 1 and 2 build our confidence in such a possibility. Such progress should materially benefit Tesco's share price; we reiterate our buy recommendation.
Elsewhere Bwin.partygaming was 7.4p better at 110p ahead of first half results on Wednesday. Earlier this month the company was said to be in the sights of a possible predator, with Las Vegas casinos group Wynn Resorts one name mentioned.
Perform, which supplies live sports video, news and data to mobile operators and broadcasters, rose 13.7p to 182.7p after it reported results in line with expectations and gave an upbeat outlook. It made a �2.2m loss in the first six months of the year, but this included �4m of costs associated with its flotation at 260p a share in April and its purchase of Goals.com. In a buy note Patrick Yau at Peel Hunt said:
After a difficult IPO, Perform Group has reported a solid set of interims, with a good start to the second half signalled by management. Operational metrics are all pointing in the right direction and we remain positive on the company's digital content model with its global opportunities. The shares trade at a premium to most stocks in the media sector, but we expect that the company has done enough to maintain this gap.
Lower down the market, GGG Resources added nearly 8% to 22.5pafter it agreed to end its hostile bid for Australia's Auzex in favour of a merger of the two companies. The deal brings the Bullabulling gold mine, currently split between the two companies, under sole ownership of the merged business. The other Auzex operations will be demerged. GGG's broker Collins Stewart said:
This clears the uncertainty surrounding the hostile bid already on the table for Auzex (which will be dropped), allowing the market to refocus attentions on the significant potential at the Bullabulling project.
Source: http://www.guardian.co.uk/business/marketforceslive/2011/aug/30/ftse-jumps-as-banks-recover
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posted by pension333 @ 10:01
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Source: http://www.iea.org.uk/blog/keynesian-paradoxes
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posted by pension333 @ 08:01
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An interesting new paper from Peter Diamond and Emmanuel Saez, trying to calculate what would be the optimal top tax rate to have in a progressive income tax system. Worth taking seriously as one has a Nobel and the second is tipped to be an obvious choice in years to come.
The things that need to be balanced are that the poor like an extra £ of redistribution more than the rich hate losing an extra £ to taxation and there will be behavioural changes as a result of changes in taxation rates. So, the calculation is really, what's the top rate at which we can snaffle as much as we can off the rich to give to the poor without killing that rich goose that lays those golden eggs?
The answer?
As an illustration using the different elasticity estimates of Gruber and Saez (2002) for high income earners mentioned above, the optimal top tax rate using the current taxable income base (and ignoring tax externalities) would be ?*=1/(1+1.5 x 0.57)=54 percent while the optimal top tax rate using a broader income base with no deductions would be ?*=1/(1+1.5 x 0.17)=80 percent.
You can just see it now, can't you? Whoopee! Tax the rich more!
Well, actually, this research was done for the US but let's apply it to the UK. This is the top tax rate for the top 1% as well: roughly those who currently pay the 50% income tax rate in the UK situation. It's also not the income tax rate. It's the total marginal tax rate: so we must include national insurance as well, that 13.8% that employers nominally but workers actually pay at such income levels.
So, we've firstly got evidence that the 50 % income tax rate in the UK is above the optimal level for that with the NI takes us well over our calculated to be optimal level of 54%. We'd need to have a top income tax rate of some 42, 43%, for the total marginal rate to be at that optimal 54%.
So, this is good, isn't it? Cut taxes now!
There's also a much more important difference that we should note between the US and UK tax systems. A US citizen is taxed on global income in the US. If they leave the country they still pay US taxes (with a large tax free allowance, with credits for foreign taxes paid). So the only possible behavioural response for a US citizen to such high tax rates is to just earn less money.
For a UK citizen of course this is not true. We can work less, take more leisure, if we think the Treasury is taking too much off us, just as can the American. But we can also leave. In fact, we're signed up to the EU which guarantees that we can move. Also, it guarantees that you cannot discriminate between EU citizens on the basis of national origin. So a Brit living in France would pay tax just like anyone else living in France: it would not be possible for the UK Treasury to insist that income made outside the UK were to be taxed at some special UK citizen only rate.
This escape hatch means that the optimal top rates decline: by quite how much no one as yet knows but it is obvious that they do decline.
So this is even better. We need to really cut taxes now!
And as to that mooted 80% top marginal rate? If we had a broader tax base and no deductions? That ability to bugger off and thumb ones' nose at the Treasury still applies. Meaning that the up to date research from two of the world's finer economists tells us that UK income tax rates are too high.
As, of course, we here at the ASI have been telling you for decades.
Source: http://feedproxy.google.com/~r/TheAdamSmithInstituteBlog/~3/OoB7TDlnvjI/
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posted by pension333 @ 06:02
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Apologies for my pre-occupation with Pensions in this Blog of late, although I have come across a couple of interesting scare-mongering (possibly) developments in the last week.
Source: http://www.lse.co.uk/blogs/expert/resident-ifa-blog/5g23kz/
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posted by pension333 @ 04:01
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Plus HP's one-year self-destruct plan, and a new open data project in Toronto, Canada
A quick burst of 6 links for you to chew over, as picked by the Technology team
The fascinating thing in this is how few commands are used most of the time, and the appalling user interface decisions made in the new ribbon: "people use lots of commands, so let's cram them all in there explicitly."
An alternative view: keep the most used commands visible. Put the others in contextual menus. Simplify, don't complicate.
"Microsoft has rolled out a special deal (and new spoof video) for its cloud Customer Relationship Management (CRM) service, in an effort to draw customers away from from Salesforce.com, Oracle and SAP.
"The Redmond company will pay $150 in cash per user seat (minimum 50 seats per company; maximum 500) for customers that switch to its Microsoft Dynamics CRM Online service.
"However, to qualify for the service, businesses must be located in U.S. or Canada, subscribe to at least 50 Microsoft CRM Online licenses, and sign a 2-year licensing subscription for the service."
Interesting how Microsoft's principal business is built around the idea that it's expensive to shift from its products to rivals'. How does it go when the boot's on the other foot?
"Let's say you were given a year to kill Hewlett-Packard. Here's how you do it."
Witty.
Probably the best title for the COTD ever. Now you'll have to click through to understand it.
"One of the several new features in Chrome is the addition of HTTP Strict Transport Security. HSTS allows a site to request that it always be contacted over HTTPS. HSTS is supported in Google Chrome, Firefox 4, and the popular NoScript Firefox extension.
"The issue that HSTS addresses is that users tend to type http:// at best, and omit the scheme entirely most of the time. In the latter case, browsers will insert http:// for them.
"However, HTTP is insecure. An attacker can grab that connection, manipulate it and only the most eagle eyed users might notice that it redirected to https://www.bank0famerica.com or some such. From then on, the user is under the control of the attacker, who can intercept passwords etc at will."
Chrome will start having a preloaded list of must-HSTS sites. Seems like other major browsers should do this too.
A fun open data project in Toronto, Canada: "The City's controversial Core Service Review, a consultant-led examination of which municipal services might be cut or reduced for cost savings, involved public consultations in May and June. Those consultations generated over 13,000 responses from residents who either attended a consultation session, or filled out a form online.
"The City, being the City, crunched all that data into some black-and-white PDFs and posted it on an obscure section of its website. Brian Gilham had other ideas.
"What Toronto Said, a cleanly designed website that Gilham, a professional web designer, built over the course of three weeks in his spare time, provides a search-bar interface for the entire corpus of feedback data. It makes filtering the raw opinions of thousands of Torontonians about as simple as using Google to find a recipe for soup. It launches August 29."
You can follow Guardian Technology's linkbucket on delicious
Source: http://www.guardian.co.uk/technology/blog/2011/aug/30/technology-links-newsbucket
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posted by pension333 @ 02:01
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Attorney Jason Louie gives a speech on the basics of estate planning. For more information or to sign up for our free Newsletter visit: www.JLLawOffice.comVideo Rating: 0 / 5 Source: http://www.statepensionforecast.info/basic-estate-planning-part-2/ ill health retirement the pension service pension release annuity … Continue reading
Source: http://www.drawdown.info/basic-estate-planning-part-2/
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www.truthaboutfinalexpenses.com — When you think; “I Need Life Insurance”, contact us at Axis Financial Solutions at 1-800-706-5645. We are contracted with all the major insurance carriers and will shop for the best rates, based upon your particular circumstances. http www.talkaboutannuities.com
Source: http://www.retirementcalculatoruk.info/annuity-options-atlanta/
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posted by pension333 @ 22:01
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Various sources tout increasing inflows to hedge funds from public and corporate pension plans. In "Strong start to hedge fund activity in 2011" (April 1, 2011), Pensions & Investments reporter Christine Williamson writes that "First-quarter institutional hedge fund activity, including net inflows and … Continue reading
Source: http://www.ukstatepension.info/hedge-fund-lock-ups-and-pension-inflows-8/
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posted by pension333 @ 20:01
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On June 29, 2011, the Office of the Comptroller of the Currency, Federal Deposit Insurance Corporation, Board of Governors of the Federal Reserve System and the Office of Thrift Supervision issued its latest thinking on derivatives trading by banks. "Interagency … Continue reading
Source: http://www.pensionlumpsum.info/counterparty-credit-risk-guidance-from-bank-regulators-3/
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Source: http://www.drawdown.info/holy-no-one/
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I work with a number of medical practices across Worcestershire and the West Midlands and I am frequently asked to advise on practical ways to improve profitability. There are a number of changes that a general practice can make to help increase revenue and overall profits.
Some ways to increase your profits include:
Source: http://nhslocal.nhs.uk/blogs/jeremy-syree/2011/08/ways-boost-your-practice-revenue
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Source: http://feedproxy.google.com/~r/TheAdamSmithInstituteBlog/~3/vHTNwAUzqAk/
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Boris Johnson got himself in hot water with fellow Conservatives when he bucked the party line on police cuts. But the Mayor of London has already angered opponents over his own record on funding the Met. FactCheck referees.
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posted by pension333 @ 10:01
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Today, I could be mostly stating the obvious! (Credit to The Fast Show)
Source: http://www.lse.co.uk/blogs/expert/resident-ifa-blog/2hvohd/
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Yesterday the Prime Minister insisted that the planned [...]
Source: http://touchstoneblog.org.uk/2011/08/police-cuts-are-already-happening/
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New figures published today by the Council of [...] Source: http://touchstoneblog.org.uk/2011/08/mortgage-approvals-still-falling/ pensions advisory service can i retire pensions calculator ill health retirement the pension service Source: http://www.uk-retirement.info/mortgage-approvals-still-falling/ state pension forecast uk state pension pension lump sum pension transfer retirement age … Continue reading
Source: http://www.the-pension-service.info/mortgage-approvals-still-falling-3/
posted by pension333 @ 04:01
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Jared Bernstein has marked the 15th anniversary of [...]
Source: http://touchstoneblog.org.uk/2011/08/how-successful-was-us-welfare-reform/
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posted by pension333 @ 02:01
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I am pleased to announce that I will be speaking in an upcoming live phone/web seminar entitled "ERISA Fiduciaries Under Attack: Key Litigation and Regulatory Developments" scheduled for Thursday, June 16, 1:00pm-2:30pm EDT. Litigation surveys cite breach of fiduciary duties … Continue reading
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Visit www.sashprogram.com for more information Often families are thrust suddenly into the probate process after the death of a loved one without much advance notice or planning. What is probate, and what does it accomplish? What are the specific situations … Continue reading
Source: http://www.iiht.info/what-is-the-probate-process-sash-senior-tube/
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posted by pension333 @ 22:01
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Anyone following this blog will be aware that there has been a significant�amount of guidance and clarification regarding�Auto-enrolment�during�the course of 2011. Whilst there may still be a few final tweaks as the Bill becomes law, there is now a large … Continue reading
Source: http://www.pensionsuk.info/auto-enrolment-your-minimum-legal-requirements-4/
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posted by pension333 @ 20:01
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While politicians discuss plans for the drawdown of troops from Afghanistan, in Camp Bastion resources for the Afghan Army are continually being developed. With more than 500 tyres, the mentoring team have built a new driver-training course. This will teach … Continue reading
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IMF Managing Director Christine Lagarde doesn’t mention the [...] Source: http://touchstoneblog.org.uk/2011/08/imf-chief-issues-warning-to-osborne-over-cuts/ pensions uk iht annuity rates stakeholder pensions uk retirement Source: http://www.pensionscalculator.info/imf-chief-issues-warning-to-osborne-over-cuts-2/ inheritance tax pension calculator nhs pension pension forecast pensions uk
Source: http://www.pension-calculator.info/imf-chief-issues-warning-to-osborne-over-cuts-2/
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A big shake-up to Pensions provision is coming in the next 1 to 4 years.
Source: http://www.lse.co.uk/blogs/expert/resident-ifa-blog/83cpk9/
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posted by pension333 @ 14:01
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If you are a mortgage provider, I.F.A., property developer, tax adviser or accountant; you� need to know that in a recent survey by Pension Professional Magazine, Pension Practitioner .com appeared head and shoulders above the competition for small self administered schemes (SSAS).
Source: http://www.pensionpractitioner.com/blog/who-is-pension-practitioner-com/78/
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I was beavering away yesterday; preparing for an interim Client meeting ? to let him know how my financial planning thoughts had progressed re: his impending retirement.
Source: http://www.lse.co.uk/blogs/expert/resident-ifa-blog/4fnaz7/
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Source: http://www.iea.org.uk/blog/hayek%E2%80%99s-overcoat
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The best bets and latest news in our daily horse racing blog Pour Moi retired after injury Press Association Pour Moi, this year’s Derby winner, has been retired after suffering a leg injury. The Andr� Fabre-trained colt had been favourite … Continue reading
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People of the same trade seldom meet together, even for merriment and diversion, but the conversation ends in a conspiracy against the public – Adam Smith As usual, Adam Smith was right. Today I can think of no trade about … Continue reading
Source: http://www.newstakeholderpensions.info/the-freedom-to-be-fat/
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posted by pension333 @ 04:01
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Alternative fund managers and regulators will convene in Washington, D.C. from July 19 through 21, 2011 to talk about pension investing in hedge funds and private equity funds. Over several days, those who present before the ERISA Advisory Council will … Continue reading
Source: http://www.retirementageuk.info/hedge-funds-private-equity-funds-and-erisa-pension-plans-6/
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posted by pension333 @ 02:01
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Just a shameless plug actually for a Zen themed Breakfast Seminar at which I, together with an Actuary and an Investment Manager will give some insights on how to get the best out of your pension advisors. The Seminar will … Continue reading
Source: http://www.pensionsuk.info/the-art-of-wise-instruction-5/
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posted by pension333 @ 00:01
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As gambles go it was an enormous one, with no guarantee of success. There was little or no public appetite for military intervention in Libya, and even the generals told David Cameron that it could be a grave mistake. There … Continue reading
Source: http://www.drawdown.info/why-david-cameron-cannot-rest-on-his-laurels-2/
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posted by pension333 @ 22:01
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Property in Holetown did not really need any further boost to its desirability, with its excellent location, right on the west coast, comparatively cheaper property prices to many other West Coast Barbados towns and it?s excellent character. But Holetown has definitely received a boost. The new Limegrove shopping and lifestyle centre which is now complete [...]
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posted by pension333 @ 20:01
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The new tax year start on 6th April and a series of tax give-aways are lost if you do not use them before this time. Steve covers the 3 most important for you particularly the need to bring income FORWARD … Continue reading
Source: http://www.iiht.info/use-it-or-lose-it-3-massive-year-end-tax-planning-tips/
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posted by pension333 @ 18:01
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In discussion with Pension Practitioner .com managers. The first of three scheduled meetings. We considered how a SIPP (Self-Invested Personal Pension) could be relevant from a tax perspective, for sheltering properties and other possible investments. However, Pension Practitioner .com stated that there are circumstances, especially for small to medium sized family businesses, when [...]
Source: http://www.pensionpractitioner.com/blog/is-ssas-better-than-sipp/41/
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posted by pension333 @ 16:01
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I had an experience on Monday that re-iterated the lack of absolutes in financial planning...and possibly life in general.
Source: http://www.lse.co.uk/blogs/expert/resident-ifa-blog/lw47cr/
posted by pension333 @ 14:01
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Jared Bernstein has marked the 15th anniversary of [...]
Source: http://touchstoneblog.org.uk/2011/08/how-successful-was-us-welfare-reform/
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posted by pension333 @ 12:02
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After President Obama’s announcement for troop drawdown, former British Prime Minister Tony Blair weighed in on whether he agrees with the suggestion by Sen. Lindsey Graham that scaling down may undercut efforts in Afghanistan. Blair said the most important thing … Continue reading
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posted by pension333 @ 10:01
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The CBI?s report Protecting the UK?s foundations: A [...]
Source: http://touchstoneblog.org.uk/2011/08/manufacturing-security-%e2%80%93-tuc-and-cbi-on-same-page/
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posted by pension333 @ 08:01
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Joe Simonds and some of the Annuity Think Tank Crew take their annual fishing trip in Boca Grande, FL. This was one of many tarpon they caught this past Labor Day, 2010. This tarpon (and one 110 lb that broke … Continue reading
posted by pension333 @ 06:01
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Source: http://blogs.birminghampost.net/business/2011/07/innovation-design---a-cast-iro.html
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posted by pension333 @ 04:01
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they decided to rap free style, then sumhow they started doing sum jakie chan moves then well iht waz weird, watch iht and you’ll know what i mean….Video Rating: 0 / 5
Source: http://www.nhspension.info/wrapping-jakie-chan-style/
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posted by pension333 @ 02:02
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Eyebrow-raising statistics and verbal gymnastics from Theresa May as she insists police cuts are manageable. FactCheck investigates.
Source: http://blogs.channel4.com/factcheck/factcheck-police-cuts-and-the-magic-shrinking-numbers/7578
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posted by pension333 @ 00:01
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Source: http://blogs.birminghampost.net/business/2011/08/seize-your-chance-to-cut-red-t.html
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posted by pension333 @ 22:01
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?Cash is king?. Isn?t that what ?they? say? Source: http://www.lse.co.uk/blogs/expert/resident-ifa-blog/xialjm/ how much stamp duty stamp duty how much how much is the stamp duty stamp duty exempt exempt from stamp duty Source: http://www.uk-retirement.info/the-place-cash-has-in-an-investment-portfolio-3/ annuity rates stakeholder pensions uk retirement drawdown … Continue reading
Source: http://www.pensionforecast.info/the-place-cash-has-in-an-investment-portfolio-5/
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posted by pension333 @ 20:01
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Llana Beach Hotel and Spa in Cape Verde is now nearing release as Dunas Beach Resort gets closer to becoming completely sold out and Tortuga Beach Resort strives on as a top class holiday destination in Cape Verde. Llana Beach … Continue reading
Source: http://www.annuityratesuk.info/llana-beach-hotel-and-spa-cape-verde-2/
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posted by pension333 @ 18:01
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Conference season is nearly upon us and Nick Clegg is flexing his liberal muscles as he limbers up�to engage with party activists. Writing in the Guardian, the Liberal Democrat leader issues a strident defence of human rights laws in the …
Source: http://feedproxy.google.com/~r/ft/westminster/~3/R5XMKnociZQ/
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posted by pension333 @ 16:01
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?...and now for a little bit of Politics?, or words to that effect.
Source: http://www.lse.co.uk/blogs/expert/resident-ifa-blog/s6upa0/
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posted by pension333 @ 14:02
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In the third of my conversations with Pension Practitioner .com, who are the U. K’s leading SSAS provider. I put to them that in the current economic climate many companies may not have surplus fund to put away into pension funds for the future whilst the present is so uncertain.
Source: http://www.pensionpractitioner.com/blog/borrowing-from-ssas-pension-fund/37/
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posted by pension333 @ 12:01
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Joe Simonds from Annuity Think Tank Explains Indexed Annuities in general. Crediting methods, annual reset, liquidity, etc
Source: http://www.ukstatepension.info/joe-simonds-explains-indexed-annuities-part-1/
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posted by pension333 @ 10:01
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ISAs have tax concessions; you pay in out of taxed income, but the growth and output are free of tax. With the tightening of tax relief on pension contributions for people with income over �130,000, and… Source: http://feeds.lexblog.com/~r/MercerHole/TaxPlusBlog/~3/Aj2EAHg6JsI/ the pension … Continue reading
Source: http://www.retirementcalculatoruk.info/are-isas-about-to-become-more-popular-6/
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posted by pension333 @ 08:03
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“I believe in a graduated income tax on big fortunes, and in another tax which is far more easily collected and far more effective: a graduated inheritance tax increasing rapidly with the size of the estate. – Theodore Roosevelt Every … Continue reading
Source: http://www.drawdown.info/republican-presidents-for-redistribution-of-wealth/
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posted by pension333 @ 06:02
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Another quick post arising from my review of the parliamentary committee debate on The Pensions Bill last week. I have been delivering�presentations regarding NEST and Auto-enrolment since the�middle of the last decade.� Throughout this period,�and even today, I still hear�many … Continue reading
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posted by pension333 @ 04:02
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Mary Portas, the ‘Queen of Shops’ , has been asked by the government to do an independent�review of the high street. This is Age UK’s response to the call for ideas� to ‘halt this decline in the high street and … Continue reading
Source: http://feedproxy.google.com/~r/AgeUkBlog/~3/oUpkAIqt4Iw/
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posted by pension333 @ 02:03
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Maximale Rendite bei minimalem Risiko ist nicht nur der Traum jeden Privatanlegers. Jedoch wird das Risiko oftmals �ber die maximale Volatilit�t des zugrunde liegenden Portfolios errechnet, “was leider nicht immer genaue Ergebnisse liefert”, wei� Verm�gensverwalter Dr. Alexander Seibold, von Seibold … Continue reading
Source: http://www.retirementageuk.info/dab-wissen-volatilitat-vs-maximaler-drawdown-2/
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posted by pension333 @ 00:02
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