Minute-by-minute report: Liverpool got their first league win of the season while Manchester City came from behind to beat Fulham Tom Bryant Jacob Steinberg Source: http://www.guardian.co.uk/global/2012/sep/29/premier-league-clockwatch-live-football compare my pension
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Join Dr. Susan Mangiero and other esteemed speakers in Seattle on October 5,2012 for an important conference entitled "Managing Risk in a Complex World." Part of the University of Washington Law, Business and Entrepreneurship Program, this event features speakers such … Continue reading
Source: http://www.pension-release-uk.info/risk-management-for-financial-service-firms-getting-it-right/
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Some of the longer serving followers of this blog will recall my post earlier this year regarding Defined Ambition (DA) schemes, and The Minister for Pensions apparent�enthusiasm for this concept.� For those that want to refresh their memories on this … Continue reading
Source: http://www.pensionlumpsum.info/defined-ambition-one-step-closer/
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Source: http://blogs.birminghampost.net/business/2012/08/gcses-are-they-broken-and-shou.html pension calculator
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Want to cut the trade gap? Build a [...] Source: http://touchstoneblog.org.uk/2012/09/green-economy-an-export-success-story/ a dating site for dating sites on dating sites facebook application for facebook facebook application Source: http://www.pensiontransferuk.info/green-economy-an-export-success-story/ pension review
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Chris asks? I accidentally bought children tickets on Fandango, what should I do? I was buying 3 tickets for HP7PT2, and because I was rushing I ended up buying 3 childrens tickets when I needed 3 adult tickets. They cost … Continue reading
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There are some questions that would be fatal for a serving British prime minister not to know the answer to. The composer of Rule Britannia is not one of them. So while David Cameron may have joked to David Letterman … Continue reading
Source: http://www.drawdown.info/david-cameron-glides-through-letterman-with-only-minor-slips/
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There are some questions that would be fatal for a serving British prime minister not to know the answer to. The composer of Rule Britannia is not one of them. So while David Cameron may have joked to David Letterman … Continue reading
Source: http://www.illhealthretirement.info/david-cameron-glides-through-letterman-with-only-minor-slips/
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Following on from my earlier post, another session I sat in on yesterday featured Jelf’s own Alan Stevenson.� The session was entitled: “Helping employees love pensions, savings and employee benefits” The session was a treble bill, including not only Alan, … Continue reading
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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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9-11 June 2008. Bedford Studio, 1 Bedford Avenue, London, WC1 (2 mins walk from Congress House)
This 3-day course is for union officers and staff who are involved in consultation, negotiation and communication with members on pension schemes, in any sector. No previous knowledge of pensions is assumed. Participants are asked to collect essential information about schemes they deal with and use this information on the course. The course is not suitable for officers or representatives from single workplaces. The aims of the course are as follows:
Source: http://www.pensionschampions.co.uk/?q=node/55
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Under the Reagan Presidency (1980-1988), income tax was cut across the board and the top rate of income tax reduced from 70% to 28%. The dramatic nature of the change in tax policy makes this a useful case study for … Continue reading
Source: http://www.pensiontransferuk.info/an-argument-for-cutting-taxes-on-the-rich-3/
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This blog was contributed by James Lloyd, Director of the Strategic Society Centre.�James Lloyd was appointed Director of the Strategic Society Centre in September 2010. He has a particular interest in social care, pensions, financial services, as well as individual … Continue reading
Source: http://feedproxy.google.com/~r/AgeUkBlog/~3/m0ksEekCUfg/
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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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Why can't we call the corporate bluff and exclude all companies who have a presence in a tax haven from public contracts?
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Please join us for a timely and information webinar entitled "ERISA Assets: QPAM and INHAM Audit Legal Requirements: Navigating DOL Rules for Pension Asset Management Compliance" on August 29, 2012 from 1:00 PM EST to 2:30 PM EST.
This CLE webinar will prepare counsel to advise asset manager clients regarding QPAM and INHAM audits as required by the Department of Labor. The panel will review the new exemption rules, who can conduct an audit, what the process entails, and how to showcase good practices with existing and prospective plan sponsors.
Description
An opportunity to manage part of the $17 trillion retirement industry assets is a key business strategy for many financial organizations. ERISA plans present a number of unique challenges due to the rules, regulations and increasing litigation brought against asset managers. Compliance is critically important.
In 2010, the U.S. DOL changed rules on activities asset managers can undertake if they manage ERISA assets. Entities like banks, insurance companies, hedge funds and SEC-registered investment advisors must have documented policies and procedures for types of trading, parties in interest and internal controls.
In addition, a regular audit of the activities of a Qualified Professional Asset Manager (QPAM) and/or in-house asset manager (INHAM) must be conducted by persons who are knowledgeable about ERISA and can render an objective assessment as to whether the exemption is justified.
Listen as our ERISA-experienced panel provides a guide to this recent mandate, why it is important, how to comply, and what an asset manager can learn from the audit process to mitigate litigation risk.
Outline
1. QPAM and INHAM Rules: Definition, Exemptions and Consequences of Not Getting Audit
2. Nature of the QPAM/INHAM Audit: Qualifications of Auditor, Components of Audit and Role of Counsel
3.Use of Audit: Regulatory Scrutiny, Correcting Deficiencies, Marketing Audit Results, Lessons Learned
Benefits
The panel will review these and other key questions:
Following the speaker presentations, you'll have an opportunity to get answers to your specific questions during the interactive Q&A.
Faculty
Susan Mangiero, Managing Director
FTI Consulting, New York
She has provided testimony before the ERISA Advisory Council, the OECD and the International Organization of Pension Supervisors as well as offered expert testimony and behind-the-scenes forensic analysis, calculation of damages and rebuttal report commentary for various investment governance, investment performance, fiduciary breach, prudence, risk and valuation matters.
Terry Orr, Senior Managing Director
FTI Consulting, Dallas
He provides forensic and investigative due diligence services to companies and their counsel in a variety of industries. His twenty-five years of experience as an independent auditor of both public and private businesses includes the examination of numerous ERISA plans.
David E. Pickle, Partner
K&L Gates, Washington, D.C.
He represents clients in matters dealing with ERISA’s prohibited transactions and exemptions and ERISA’s fiduciary rules. He represents investment managers, financial institutions and plan sponsors in a variety of matters including investments and other transactions with ERISA plans and in litigation and government enforcement actions.
William A. Schmidt, Partner
K&L Gates, Washington, D.C.
He works in the areas of institutional investing and employee benefits, with particular emphasis on fiduciary responsibility matters under ERISA. He advises major financial institutions, including banks, insurance companies, registered investment advisers, and large employee benefit plans about ERISA restrictions relating to plan investments and to fee arrangements for investment management.
Source: http://feeds.lexblog.com/~r/PensionRiskMatters/~3/XY6FnvCeEWQ/
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Source: http://www.iea.org.uk/blog/old-labour-wind-farms-predistribution-0
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Evangelists of social media�cite�the wisdom of the crowd. But wisdom and gullibility�are two sides of the same coin and� those who marvel at the capacity of�groups to congregate around�their chosen�solutions, demonize their herd mentality when the crowd looks elsewhere. “Vox … Continue reading
Source: http://henrytapper.com/2012/09/29/abusing-the-voice-of-the-people-a-call-for-better-pensions/
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How well do you know your scheme’s pensionable pay definition? Many people might be able to quote a summary of it from the members’ booklet, or give the gist of what is pensionable for their scheme. The further you get … Continue reading
Source: http://www.illhealthretirement.info/pensionable-pay-in-theory-and-practice-3/
posted by pension333 @ 01:01
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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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Ukip’s popularity with voters has nudged 10 per cent this year, making the party more popular than the Liberal Democrats at times. Source: http://blogs.channel4.com/factcheck/factcheck-the-ukip-manifesto-farage-or-farrago/11523 face book application application face book benaughty benaughty benaughty be naught
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You?ve probably been keeping up with the details of all the many nasty changes that the government is planning for your pension but until this month you may not have actually felt them. I?m guessing that if you have now received your April payslip then those nasty changes have started to become all too real. [...]
Source: http://blogs.bma.org.uk/pensions/2012/05/10/hitting-you-where-it-hurts/
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posted by pension333 @ 13:01
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Really quite concerned to see The Minister for Pensions comments (as reported by Money Marketing) today.� For those who have yet to see this, the Minister was suggesting that the industry is�’dissing’ NEST.� The following is a quote direct from … Continue reading
Source: http://www.newstakeholderpensions.info/dissing-nest/
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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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Fixed protection for an individual’s lifetime allowance for tax-favoured pension benefits is a valuable thing.� If you registered for fixed protection before 6 April 2012 you can keep a lifetime allowance of �1.8 million or, if greater, the standard lifetime … Continue reading
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William asks? What does it mean when your fafsa has been selected for varification? My fafsa has been selected what do i do and who do i contact to know what they need to varify? Also what kind of things … Continue reading
Source: http://www.iiht.info/iht-fafsa-8/
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If your business needs to purchase additional property, but you must keep up your working capital and your business faces a high tax bill; consult Pension Practitioner .com. They administer for you a small self administered scheme ( SSAS) and … Continue reading
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The Business Secretary, Vince Cable, has expressed his [...]
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Here at Ballard Dale Syree Watson we often undertake benchmarking surveys across medical practices. They look at a range of financial data and provide a comparison between practices, allowing us to understand why some practices do better than others. Recent … Continue reading
Source: http://www.nhspension.info/benchmarking-do-you-know-where-you-stand-14/
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Source: http://blogs.birminghampost.net/business/2012/08/paradigms-ways-of-seeing-the-w.html
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As accusations fly over the fate of two estates in Tory west London, you have to wonder why it all got so nasty
A fortnight has passed since a dossier was handed to the police alleging that residents of two West London housing estates had been promised preferential treatment in the allocation of replacement homes if they gave their backing to the estates' demolition, and arguing that such behaviour could constitute a criminal offence.
I won't go into great detail about the dossier's contents at this stage, though I have seen it and read it carefully. Suffice to say that it contains a number of testimonies from residents, which include claims that officers of the Conservative-run Hammersmith and Fulham (H&F) council and people saying they were members of the Conservative Party gave assurances that supporting the council's demolition plans would ensure priority allocation of new homes on the nearby Seagrave Road site - a part of the wider Earls Court redevelopment scheme. Some specific individuals are named.
What will happen next? Search me, though I understand the Met is making an assessment. What I can say with certainty is that the dossier further underlines the deep and grievous passions the Earls Court project has generated and the mistrust of those opposed to it of the motives and methods of the council and its developer partner Capco - all of which raises the very pregnant question of whether it really had to be this way.
A good insight into the suspicions at work is provided by a tortuous yet engrossing correspondence I've obtained between Stephen Cowan, who leads the council's opposition Labour group, and two of the council's most senior officers (neither of whom, to be clear, are among those named in the dossier as having making alleged legally dubious offers).
This correspondence has been going on for a five-month period and seems unlikely to end just yet. On his blog, Cowan concludes from the exchanges so far that the council was aware that a so-called "VIP list" of residents had been promised priority treatment in rehousing and that this list had been compiled by parties who wanted demolition to proceed, yet has failed to properly investigate claims that some of its own officers had gone along with this activity.
Cowan asks if the council has been "complicit" in an alleged "homes for support" exercise. He considers that no straight answers have been provided to his questions about the matter and that this smells "like a cover-up."
H&F's response to claims about an improper list is as follows:
The Council has not allocated any homes and nobody has received preferential treatment. During a lengthy consultation process, the Council has made a note of people interested in moving to Seagrave Road and will continue to note any further interest. Residents will be moved in accordance with a local lettings plan, which will take into account need and ensure that old homes are demolished only after their replacement homes have been built.
In other words, while the council acknowledges it has made "a note" of people who might be keen to move to Seagrave Road it denies that those people have been promised or will be given priority. Cowan continues to demand an independent inquiry into any involvement by council officers in the compiling of any "VIP list" of residents to whom such promises might have been made. He wonders why the council won't oblige him.
Cowan and his Labour colleagues, like the anti-demolition campaign, have consistently asked that residents of the two estates ? the West Kensington and its smaller neighbour Gibbs Green ? are given a formal and binding vote on the future of their homes. The council has persistently refused to do this.
It is easy to see why H&F might be nervous about arranging such a ballot. Its own analysis of the consultation responses (pdf) found that more than three times as many estate residents oppose the demolition plan than support it, though it continues to try to spin this massive rejection away.
Meanwhile, one of H&F's cabinet members, the Famous Harry Phibbs, has tweeted that opponents of the scheme were "tricked or bullied" into taking that view and that "support is growing as the lies are exposed." The Famous Harry has written that these "lies" include telling people that the council's promises to rehouse people in better homes than they have now are false and that they could end up living in Barking instead. The anti-demolition campaign, needless to say, begs to differ.
I think you're catching the general tone of the proceedings, one that encompasses the daily lives of many who live in the estates according to those I've spoken to lately.
Could all this unpleasantness have been avoided? Was there a way for the council and Capco to have included the estates within the (much) larger Earls Court scheme ? which is, of course, controversial in many other ways ? in a manner that a majority of residents would have embraced?
Way back in February 2007, the then new leader of the council Stephen Greenhalgh ? who Boris Johnson has recently made head of his new office for policing and crime ? appeared on the internet channel 18 Doughty Street TV with local Tory MP Greg Hands. Both argued that they wanted to improve the lot of poorer people on their patch of inner West London and tackle deep inequalities. I can no longer find this item online ? perhaps someone else have better luck ? but I recall feeling that they believed what they were saying.
Greenhalgh championed the Earls Court project right up until he stepped down as leader earlier this year. Yet to some in the regeneration business the entire Earls Court enterprise has looked unwieldy, impractical and undesirably old-fashioned from the start ? a top-heavy, top-down wrecking ball of a scheme that will be difficult to finance, characterised by unrealistic claims and always at risk of incurring resentment. And it doesn't look to me like a project guided by the bottom-up, localist, "big society" principles that modern Conservative administrations are supposed to be applying, particularly in a London borough seen as a trailblazer for national party policy ? David Cameron's favourite council, no less.
Perhaps H&F assumed that it and Capco would be able to press on smoothly with their plans, brushing all opposition aside with ease. But although the council continues to steam ahead, surely confident that its admirer Mayor Johnson won't use his powers to stand in their way, I doubt it expected opposition of quite the type that it has met.
Jonathan Rosenberg, the anti-demolition campaign's community organiser, is a veteran of such community-based struggles. He was right in the thick of a huge battle against the radical Tories of Dame Shirley Porter's Westminster in the 1990s. That ended with residents taking control of homes Westminster wanted to sell off and the Dame eventually being relieved of �12 million.
Many in the property trade see Capco as unstoppable. But the campaigners insist they will grind the Earls Court scheme down to a halt. If they succeed, the council and the developers will have only themselves to blame.
Source: http://www.guardian.co.uk/society/davehillblog/2012/sep/27/earls-court-project-stephen-cowan
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My company is termed by the Financial Services Authority (FSA) as a ?Small Business?.
Source: http://www.lse.co.uk/blogs/expert/resident-ifa-blog/bn0fzx/
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Fixed protection for an individual’s lifetime allowance for tax-favoured pension benefits is a valuable thing.� If you registered for fixed protection before 6 April 2012 you can keep a lifetime allowance of �1.8 million or, if greater, the standard lifetime allowance.� But you lose fixed protection if you go into a new pension arrangement.� You [...]
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The UK?s No 1 SSAS administrator, Pension Practitioner.Com, have been short-listed for UK Best SSAS Provider 2011 Moneyfacts is regarded as an authoritative independent source trusted by intermediaries, providers and journalists alike for financial products and services. Investment Life & … Continue reading
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Last week BMA members received a survey from us in the post.� You can also complete it online should you prefer. The deadline is midnight on Monday 16 January, so get a move on! The survey asks you two big questions: 1. What is your attitude to the latest proposals for changes to the NHS [...]
Source: http://blogs.bma.org.uk/pensions/2012/01/12/help-us-to-help-you/
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One of the most important contemporary debates in political economy concerns the impact of the market on culture and the allegation that unfettered market forces will supply ‘dumbed-down’, low quality cultural products that pander to people’s worst instincts. At the … Continue reading
Source: http://www.iiht.info/from-big-macs-to-big-brother-the-market-and-culture/
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Source: http://www.iea.org.uk/blog/old-labour-wind-farms-predistribution-0
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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/ for dating sites on dating sites facebook application for facebook facebook application facebook apps Source: http://www.nhspension.info/fettered-or-unfettered-12/ … Continue reading
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As many of our clients know, we are working with an excellent developer in Barbados, offering some very strong Barbados Property Investments, as their primary agent in the UK we are always first to release their newest offerings. The developer we are working with is currently in the process of completing two stunning developments on [...]
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Susan asks? Why does the Department of Education FAFSA laws dictate a family’s choice to raise independent children? FAFSA app has 7 criterions one must meet in order to claim independent status. Most students parents raise them to be independent … Continue reading
Source: http://www.iiht.info/iht-fafsa-5/
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Under the Reagan Presidency (1980-1988), income tax was cut across the board and the top rate of income tax reduced from 70% to 28%. The dramatic nature of the change in tax policy makes this a useful case study for … Continue reading
Source: http://www.illhealthretirement.info/an-argument-for-cutting-taxes-on-the-rich/
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Andrew Sparrow and Paul Owen with rolling coverage of the Lib Dem conference, including a speech from Danny Alexander, chief secretary to the Treasury
Source: http://www.guardian.co.uk/politics/blog/2012/sep/25/lib-dem-conference-live-blog-alexander
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What every investor should know when looking to invest in student accommodation for investment. From how investment companies and developers price the properties to things to look for before investing.
Source: http://www.freshinvest.co.uk/blog/property-investment/student-property-investment-facts/
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In what looks rather like a co-ordinated attack, [...]
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The Annuity provider Partnership has released research (From ABI, Oxford Economics, and the Office for National Statistics figures) into the retirement prognosis for our current batch of over-50?s. Source: http://www.lse.co.uk/blogs/expert/resident-ifa-blog/uezrg8/ company pension Source: http://www.pensionforecast.info/twilight-years-pension-woes-16/ benaughty be naught internet date online … Continue reading
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Sorry for the lack of blogs over the last couple of weeks but we have been busier than Harry Redknapp?s legal team. Fortunately, like Harry?s football team, we have a lot of very skilful and hard-working individuals. Since BMA members … Continue reading
Source: http://www.pensionscalculator.info/sign-the-e-petition-now-17/
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The TUC’s latest Labour Market Report is now [...] Source: http://touchstoneblog.org.uk/2012/09/labour-market-report-3/ personal pension Source: http://www.iiht.info/labour-market-report/ stamp duty first time buyers stamp duty 2010 stamp duty on shares stamp duty shares stamp duty exemption Source: http://www.the-pension-service.info/labour-market-report/ face book application application face … Continue reading
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You?ve probably been keeping up with the details of all the many nasty changes that the government is planning for your pension but until this month you may not have actually felt them. I?m guessing that if you have now received your April payslip then those nasty changes have started to become all too real. [...]
Source: http://blogs.bma.org.uk/pensions/2012/05/10/hitting-you-where-it-hurts/
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Last week BMA members received a survey from us in the post.� You can also complete it online should you prefer. The deadline is midnight on Monday 16 January, so get a move on! The survey asks you two big questions: 1. What is your attitude to the latest proposals for changes to the NHS [...]
Source: http://blogs.bma.org.uk/pensions/2012/01/12/help-us-to-help-you/
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One of the most frequent enquiries we get at the moment is from company directors worried about bank Personal Guarantees they have signed. A Personal Guarantee is generally given by a director as security for money borrowed by a company … Continue reading
Source: http://www.the-pension-service.info/tips-for-avoiding-difficulties-with-personal-guarantees-6/
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I had a visit from the ?National Sales Manager? of a Carbon Credit investment company on Thursday last. Source: http://www.lse.co.uk/blogs/expert/resident-ifa-blog/jolfyk/ exempt from stamp duty who is exempt from stamp duty stamp duty relief when do i pay stamp duty stamp … Continue reading
Source: http://www.uk-retirement.info/carbon-credits-market-in-turmoil-13/
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posted by pension333 @ 11:03
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Here is the full statement from David Cameron to the House of Commons over the Hillsborough tragedy: Today the Bishop of Liverpool, the Rt Reverend James Jones, is publishing the report of the Hillsborough Independent Panel. The disaster at the … Continue reading
Source: http://www.retirementcalculatoruk.info/in-full-prime-ministers-hillsborough-statement/
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posted by pension333 @ 09:04
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This morning’s research from the IPPR lays out in thorough detail just how difficult George Osborne will find it to meet his fiscal rules when announcing his spending review for the period 2015-2017 next year. The think tank has analysed … Continue reading
Source: http://www.the-pension-service.info/osbornes-stark-choices-on-where-to-cut/
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posted by pension333 @ 07:01
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An article in the Times today (20 Jun 2011) has raised the issue of the development of a two tier occupational pension being provided by companies. Those of us well versed in the machinations of the UK pension industry would … Continue reading
Source: http://www.pensiontransferuk.info/the-time-is-now-9/
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posted by pension333 @ 03:02
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