The March of the Makers?

Politicians cannot stop trying to design the economy. In this respect they have a hugely over-inflated sense of their own abilities. Gordon Brown, of course, was an impulsive meddler – he really did believe that government knows best. However, George … Continue reading →

Source: http://www.illhealthretirement.info/the-march-of-the-makers-3/

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US Pakistan Afghan Policy

Muhammad Atif, Urdu VOA News, Washington Former US Deputy Secretary of State Richard Armitage says instead of providing portions of aid to Pakistan, America should give access to Pakistan’s textile products. He was of the view that President Obama should … Continue reading →

Source: http://www.pensionscalculator.info/us-pakistan-afghan-policy/

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Do you prefer to pay by Fee or Commission?

The Financial Advice sector is due to undergo a major change on 1st January 2013.

Source: http://www.lse.co.uk/blogs/expert/resident-ifa-blog/d1waut/

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Sturgis Economic Development

You can keep more of what you make when you locate your business in Sturgis, Meade County, South Dakota. South Dakota has no corporate income tax, personal income tax, personal property tax, business inventory tax, or inheritance tax, and is … Continue reading →

Source: http://www.can-i-retire.info/sturgis-economic-development/

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Fettered or Unfettered?

The results of a new study published today showed that 'Fettered' investment funds out-performed 'Unfettered' funds over 3 & 5 year timeframes.

Source: http://www.lse.co.uk/blogs/expert/resident-ifa-blog/h7cerf/

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Come and meet us at this year?s Party Conferences

With party conference season right around the corner, we wanted to give you a taste of what we have planned for each along with some details on our key priorities during this busy time. In the coming months, we feel … Continue reading →

Source: http://feedproxy.google.com/~r/AgeUkBlog/~3/nHDPOqHJz_E/

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FAP Turbo Review ? $370 Turning Into $7300- In 2 Short Months

Live Trading Proof of FAP Turbo at www.my-linker.com Is FAP Turbo software a scam? Many Forex trading software sold on the internet may show outstanding back test results. But in actual fact, these software lose a lot of money when … Continue reading →

Source: http://www.illhealthretirement.info/fap-turbo-review-370-turning-into-7300-in-2-short-months/

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A is for Apple, B is for Ball?.

Now we all know that pensions are difficult. That’s why my clients pay me very reasonable fees to sort it out for them. The National Employment Savings Trust (NEST) have just published their research paper showing that its target audiences don’t understand many of the terms and phrases used by the pension industry and have [...]

Source: http://www.pensionlawyerblog.com/pensions-plain-english

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A Mindless Storyy Ep 1

here’s myy storyy of mindless behavior nd diqqy hopee yhuu likee So we are in the bronx (new york lol) and in kiyah’s housee chyllen maccen KiyahMom – we juss won 8 tickets to see mindless behavior on the 28 … Continue reading →

Source: http://www.can-i-retire.info/a-mindless-storyy-ep-1/

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ERISA Fiduciaries Under Attack: Key Litigation and Regulatory Developments

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 as a fast-growing driver of ERISA lawsuits involving securities fraud and questions about investment-risk governance and prudence. Economic losses and investment complexity are only a few reasons for continued new rules, regulations and claims.

In addition, significantly increased liability exposure is expected due to the SEC's and DOL's focus on expanding the definition of plan fiduciaries.

Evolving case law is putting plan sponsors and service providers in the spotlight as never before with regard to their investment-related processes. Litigation claims are focusing on who is making the investment decisions, and the due-diligence and other procedures these decision-makers use.

My fellow panelists and I developed this program to guide attorneys through the ERISA fiduciary minefields, address best practices for fiduciaries, discuss practical realities regarding case management and settlement, and recommend action steps for counsel to investment committees, board members and the advisers, consultants, appraisers, custodians and managers who provide products and services to employee benefit plan sponsors.

We will offer our perspectives and guidance on these and other critical questions

• When are plans adopting risk management strategies?
• What should the composition of the investment committee be?
• How may an expanded "fiduciary" definition impact potential damages?
• Does Dodd-Frank affect plan-management concerns?
• How should insurance coverage be reviewed and managed?

After our presentations, we will engage in a live question and answer session with participants — so we can answer your questions about these important issues directly.

I hope you'll join us.

Click for more information or to register for this webinar about ERISA litigation.

Sincerely,

Susan Mangiero, PhD, CFA, FRM

Source: http://feeds.lexblog.com/~r/PensionRiskMatters/~3/0eARHPMhBSo/

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Is a corporate pension scheme trustee a commercial organisation for the purpose of the Bribery Act 2010?

Last week Stephen looked at whether he could still take his pension trustee clients to Wimbledon as a result of the Bribery Act 2010 (�The Bribery Act 2010: can I still take my pension trustee clients to Wimbledon?!).� However, there’s … Continue reading →

Source: http://www.drawdown.info/is-a-corporate-pension-scheme-trustee-a-commercial-organisation-for-the-purpose-of-the-bribery-act-2010/

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Do you have the correct Tax Code?

My dear Mum recently celebrated her 65th birthday.

Source: http://www.lse.co.uk/blogs/expert/resident-ifa-blog/tvsjoi/

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TUC Member Trustee Network annual conference

Taking the long view: Effective pension trusteeship in uncertain times. The TUC Member Trustee Network annual conference. Friday 27 June 2008, Congress House, London. Global economic turbulence, increasing regulatory and legal burdens, greater longevity and legislative change: these are uncertain … Continue reading →

Source: http://www.retirementcalculatoruk.info/tuc-member-trustee-network-annual-conference-6/

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How does my pension affect the environment?

Most people don’t think of themselves as investors in the stock market, but a huge proportion of investments are held through our savings, pensions, insurance and banking. This means that money may be invested on our behalf in companies which are failing to take action on climate change.
 
According to the Ethical Investment Research and Information Service UK pension funds control more than a third of the shares on the UK stock market. This is likely to grow, as more people are automatically opted-in to company schemes under new legislation.

 

read more

Source: http://www.pensionschampions.co.uk/?q=node/63

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Do the values of the 'credit fuelled' generation need to change?

Source: http://blogs.birminghampost.net/business/2011/07/do-the-values-of-the-credit-fu.html

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Pension tax allowance

The latest draft legislation has come out around pensions, which covers a few different areas but I'll just talk about annual allowance here.

Source: http://feeds.lexblog.com/~r/MercerHole/TaxPlusBlog/~3/dJoAzUKFDbc/

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IMF chief issues warning to Osborne over cuts

IMF Managing Director Christine Lagarde doesn’t mention the [...]

Source: http://touchstoneblog.org.uk/2011/08/imf-chief-issues-warning-to-osborne-over-cuts/

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Come and meet us at this year?s Party Conferences

With party conference season right around the corner, we wanted to give you a taste of what we have planned for each along with some details on our key priorities during this busy time. In the coming months, we feel … Continue reading →

Source: http://feedproxy.google.com/~r/AgeUkBlog/~3/nHDPOqHJz_E/

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RADAR LOVE.wmv

The 3rd Infantry Division Band performs “Radar Love” in the style of Golden Earring’s original performance in 1984.

Source: http://www.annuitycomparison.info/radar-love-wmv/

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The growing financial advice divide

This time last week, I was conscious of an evening appointment to come, having already visited a gentleman in the morning. Source: http://www.lse.co.uk/blogs/expert/resident-ifa-blog/q7f01q/ pensions uk iht annuity rates stakeholder pensions uk retirement

Source: http://www.pension-release-uk.info/the-growing-financial-advice-divide-3/

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Tax Free Cash

TAX FREE CASH can be yours if you have had a private or company pension, you are at least 55 years of age, or older and have �15000 in your pension fund. On each pension policy applicants can have up to 25% of the pension fund as a Tax FREE cash payment at the retirement [...]

Source: http://www.pensionrelease.org/tax-free-cash/

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Barbados still holds strong in competitive tourism industry

News released by the Barbados minister of tourism earlier this week, is sure to put a smile on many of our clients faces! Even in tough times economically, Barbados is thriving as a tourism hotspot and still growing in terms of its tourist arrivals. Any investor that is looking for maximum occupancy rates in their [...]

Source: http://www.freshinvest.co.uk/blog/overseas-property-investment/barbados-holds-strong-competitive-tourism-industry/

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Life in the fast lane

I am writing to you from the fast lane of the M3 adjacent to Bracknell. Is writing therapeutic? I am not sure, but I suspect that you are probably asking yourself whether I am writing and driving at the same time. I am, well at least I am sitting behind the wheel of my now [...]

Source: http://henrytapper.com/2011/08/22/life-in-the-fast-lane/

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Westside Vibes ? Baby Girl ( Wiley Park Cover )

Song for Th Wiley Park Boys ; Feat . Westside Vibes gottah love iht . Mounty County in th House ; SUWOOPPPVideo Rating: 4 / 5

Source: http://www.drawdown.info/westside-vibes-baby-girl-wiley-park-cover/

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VP Talks Iraq Drawdown

Even as humanitarian relief efforts continue in Haiti, Vice President Joe Biden says preparations are still underway for drawing down combat troops in Iraq. See more DoD videos at dodvclips.milVideo Rating: 5 / 5

Source: http://www.pensionscalculator.info/vp-talks-iraq-drawdown-2/

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Scary numbers

The phrase ?lies, damned lies and statistics? popularised by Mark Twain passed firmly into clich� some time ago but it does serve to remind us of how powerful numbers can be, and also how they can be used to make … Continue reading →

Source: http://www.retirementageuk.info/scary-numbers/

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?Obama to detail Afghan troop drawdown? ? PressTV 110621

presstv.com

Source: http://www.pensionsuk.info/obama-to-detail-afghan-troop-drawdown-presstv-110621/

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Loan errors cause �12,000 debt

Administrative mistakes leave students fearing for their careers

Source: http://feedproxy.google.com/~r/BMADailyFeed/~3/xaw-MtiEw18/BSKN-8L2JAS

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Welcome: Big issues brewing

Medical students' views crucial to the wider BMA

Source: http://feedproxy.google.com/~r/BMADailyFeed/~3/j9_6uhSAkAc/BSKN-8L2H9U

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Austrians ascendant?

Many see the Austrian school of economics as a fringe perspective. George Selgin links to an intriguing counterpoint to that idea. The outgoing President of the Kansas City Federal Reserve Bank has given an interview to the New York Times, which Selgin says is in close concordance with Hayek's own thinking about money and the economy:

“The central bank has to be, in a way, a neutral player, and yet we find ourselves trying to stimulate, and the effect is further leveraging,” he said. “If I thought zero rates would bring jobs, I’d want it forever. But it distorts the economy.”

He continued, “In 2003, when we lowered rates and kept them there because unemployment was 6.5 percent — look at the consequences.” Those consequences included the nation’s mortgage feast, followed by its current economic famine.

Selgin comments:

...I can't help feeling that Hayek deserves a lot more credit than he's getting for having put forward a theory which, whatever its general merits may be, seems to fit the recent boom-bust experience so well. So far as I'm aware, Mr. Hoenig never mentions Hayek, and may not even be aware of the overlap between his own thinking and Hayek's theory. Bill Woolsey, on the other hand, knows about the ABCT, sees the fit to recent experience, but remains a "skeptic." I wonder whether he is merely indicating his disagreement with those more fervent proponents of the theory who seem to insist that it is the only valid theory of cycles.

In any event it seems to me that anyone who believes that the recent bust is to some important extent a consequence of past malinvestment that was sponsored by easy monetary policy ought to acknowledge the fact that F.A. Hayek spent much of his early career warning against this very possibility, and later won a Nobel prize for the work in question. That something akin to his theory, if not the very thing itself, is now subscribed to by many non-Austrians, either with no mention of Hayek's contribution or with somewhat grudging acknowledgment of it only, seems to me both strange and unfair.

Unfair, yes, but also one of the great strengths of the Austrian perspective. The Austrian theory of the business cycle, it seems to me, offers the most intuititvely satisfying explanations of the last decade. Many professional economists disregard Austrian views in favour of economic aggregations and statistical models that feel scientific, even though they are not. But the Austrian perspective is making remarkable headway in a very short space of time.

Witness last month's Hayek-Keynes debate, which needed two overflow halls to cope with excess audience. It has been repeated twice on Radio 4. How many people will have been exposed to Hayekian ideas for the first time thanks to that? Would something like that even be imaginable a few years ago? Online resources like the Ludwig von Mises Institute's breathtaking digital library – all available for free, of course – allow anybody with an internet connection and a sharp mind to pick up some Mises in less than a minute. And the awfulness of the last few years has made many people think twice about state-controlled central banking. In Ireland, for instance, many people attribute the growth of the property bubble during the Celtic Tiger years to the easy money that was available at the time.

Somebody else (I cannot remember who) said recently that the big new development is that everybody now has to have an opinion about Hayek. A slight overstatement, but it's true that Hayekianism is now more debated than in any other time in recent decades. Hayek isn't all of the Austrian school by a long-shot, but he may be the thin end of the wedge.

Marxism died as a creed in the West once ordinary people saw the atrocious real-world consequences of the idea. Keynesian ideas are less brutal in practice, and less obviously destructive. But, someday, people might look back at this time in history and ask the same things that people today ask about the Soviet era: Who were these people who thought they could plan the economy from the top down? Who could think that breaking windows or being invaded by aliens would be good for the economy?

We have a long way to go, but we may just be getting there.

Source: http://feedproxy.google.com/~r/TheAdamSmithInstituteBlog/~3/8kOkMjnM5Wk/

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A Mindless Storyy Ep 1

here’s myy storyy of mindless behavior nd diqqy hopee yhuu likee So we are in the bronx (new york lol) and in kiyah’s housee chyllen maccen KiyahMom – we juss won 8 tickets to see mindless behavior on the 28 … Continue reading →

Source: http://www.inheritancetaxthreshold.info/a-mindless-storyy-ep-1/

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Auto-enrolment dates pushed back

An email, along the lines of the above title, was unexpectedly in my inbox on my return from holiday.� But don’t get too excited, auto-enrolment dates�remain largely unaltered from the original schedule for most employers. What does appear to have�changed … Continue reading →

Source: http://www.jelfgroup.com/blog/2011/08/auto-enrolment-dates-pushed-back/?utm_source=rss&utm_medium=rss&utm_campaign=auto-enrolment-dates-pushed-back

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Chilean Winter: not so different from us

The seasonal naming of protests around the world [...]

Source: http://touchstoneblog.org.uk/2011/08/chilean-winter-not-so-different-from-us/

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No delay to ending age discrimination

For older people the landmark Equality Bill should become a reality in 2012. Regulations banning age discrimination in products and services are due to come into force in April 2012. Age UK, older people and the age sector fought long … Continue reading →

Source: http://www.pension-release-uk.info/no-delay-to-ending-age-discrimination-2/

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An in Depth look at Long Term Care and Bloodline Planning

email: advice@trustsni.com for FREE advice. Videos created by cmorefilms.com

Source: http://www.retirementageuk.info/an-in-depth-look-at-long-term-care-and-bloodline-planning/

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Mortgage approvals still falling

New figures published today by the Council of [...] Source: http://touchstoneblog.org.uk/2011/08/mortgage-approvals-still-falling/ uk state pension pension lump sum pension transfer retirement age uk retirement calculator

Source: http://www.retirementcalculatoruk.info/mortgage-approvals-still-falling-2/

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Seize your chance to cut red tape

Source: http://blogs.birminghampost.net/business/2011/08/seize-your-chance-to-cut-red-t.html

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Hedge Funds, Private Equity Funds and ERISA Pension Plans

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 be asked to address questions such as those listed below:

• What differentiates a hedge fund from other types of investments?
• What differentiates a private equity fund from other types of investments?
• How are hedge funds and private equity funds, respectively, correlated with the returns of traditional equity and fixed income investments?
• How can defined benefit and defined contribution plan sponsors mitigate "the lack of liquidity that is characteristic of these investments?"
• How can fee transparency be enhanced?
• "Are there any unique diversification benefits offered by hedge funds and private equity investments as opposed to a fund of funds?"
• What is the view of target date fund managers with respect to including hedge funds and/or private equity strategies within their funds?

According to U.S. Department of Labor documents, the aim is to create best practices guidance in areas such as leverage, liquidity, transparency. valuation, operational due diligence, client and asset concentration and offering documents. Click to download "2011 ERISA Advisory Council: Hedge Funds and Private Equity Investments." Click to read the June 22, 2011 U.S. Department of Labor news release about the forthcoming meetings to address hedge funds and private equity investments by ERISA plans.

Interested readers may want to check out the following of many items that are available for further research:

• "Testimony of Dr. Susan Mangiero About 'Hard to Value' Assets Before the ERISA Advisory Council," September 11, 2008;
• "The Growth and Impact of Direct Investing," Citi Prime Finance, June 2011;
• "Pension Fund Investment in Hedge Funds" by F. Stewart, OECD Working Papers on Insurance and Private Equity Pensions, No. 12, OECD Publishing, 2007;
• "Defined Benefit Pension Plans: Plans Face Valuation and Other Challenges When Investing in Hedge Funds and Private Equity Funds," U.S. Government Accountability Office, July 20, 2010;
• "A Guide to Institutional Investors' Views and Preferences Regarding Hedge Fund Operational Infrastructures," Alternative Investment Management Association, May 2011;
• "The Hedge Fund of Tomorrow: Building an Enduring Firm," Casey Quirk, April 2009;
• "Pensions and private equity: where does the relationship go from here?" by Toby Lewis, Global Pensions, June 6, 2011; and
• "Private Equity Principles, Version 2.0," Institutional Limited Partners Association, January 2011.

Source: http://feeds.lexblog.com/~r/PensionRiskMatters/~3/KtSgvmnNkUY/

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Public Sector Employment and the Recession

The recession was not caused by the growth [...]

Source: http://touchstoneblog.org.uk/2011/08/public-sector-employment-and-the-recession/

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Auto-enrolment & your minimum legal requirements

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.jelfgroup.com/blog/2011/08/auto-enrolment-your-minimum-legal-requirements/?utm_source=rss&utm_medium=rss&utm_campaign=auto-enrolment-your-minimum-legal-requirements

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