Wednesday 13 November 2013

The Untouchables?

In an earlier life I was the Legal Director of the Occupational Pensions Regulatory Authority, the predecessor body to the current Pension Regulator. One of the issues which took up a considerable amount of management and investigatory time concerned a scam called ‘Pension Liberation’. It worked like this.
Gullible people desperate for cash would be [...]

Source: http://www.pensionlawyerblog.com/pensions-untouchable

the pension service pension release annuity inheritance tax pension calculator

Property News Radio: Round the Property World in less than 15 minutes

This week on Property News Radio we start with an exclusive, exciting announcement! We also discuss some […]

The post Property News Radio: Round the Property World in less than 15 minutes appeared first on RMP Property - The UK Property Investment Experts.

Source: http://feedproxy.google.com/~r/co/SgjQ/~3/IfcFkbAvrbM/

uk retirement drawdown state pension forecast uk state pension pension lump sum

The Cost of Living Crisis: Buzzfeed edition

Britain has a cost of living crisis. Prices […]

Source: http://touchstoneblog.org.uk/2013/11/the-cost-of-living-crisis-buzzfeed-edition

annuity rates stakeholder pensions uk retirement drawdown state pension forecast

New ERISA and Global Benefits Blog

I have been blogging for over seven years and enjoy it immensely. I never run out of topics but, like most bloggers, it is always good to read what others have to say. That is why I am excited to welcome Paul Hastings ERISA partners, Stephen Harris and Mark Poerio, to the blogosphere (although Attorney Poerio tells me that he created www.erisacloud.com and www.executiveloyalty.org several years ago for his Georgetown Law School students). My understanding is that the content for this newly launched blog will generally focus on the design, governance, and operation of retirement plans, health and welfare plans, and executive compensation plans. It will include information about legislative, regulatory, and litigation developments, from a practical business perspective. Attorney Poerio adds that "As lawyers, we are generally concerned with risk management, and our blog has that objective in mind."

Click to access the ERISA and Global Benefits blog. You can click here to add this new blog to your RSS reader as well.

Source: http://feeds.lexblog.com/~r/PensionRiskMatters/~3/NpKbsyroN5Q/

pension lump sum pension transfer retirement age uk retirement calculator annuity calculator

Tuesday 12 November 2013

A better offer is needed

The survey results are back and the message from BMA members to the government is clear. Their pensions proposals are unfair and unacceptable and it’s time for them to get back to the negotiating table and make a better offer. Disappointingly, their initial response has not been to acknowledge the unprecedented strength of feeling but [...]

Source: http://blogs.bma.org.uk/pensions/2012/01/20/a-better-offer-is-needed/

pension transfer retirement age uk retirement calculator annuity calculator pensions advisory service

Life insurance...not just for mortgages

You obtain a mortgage, and then you obtain life insurance. Right?

Source: http://www.lse.co.uk/blogs/expert/resident-ifa-blog/4ode9v/

pensions calculator ill health retirement the pension service pension release annuity

We need more hospital bankruptcies, not procedural changes

The NHS’s internal system of handling patients’ complaints is broken, argues a new government report published by a commission headed by Labour MP Ann Clwyd. Patients who file a complaint about matters such as staff rudeness, neglect, poor quality of care etc. often find that their concerns are delayed, played down, met with defensiveness or denial, and ultimately remain inconsequential. This represents a major failure because if complaints from patients and carers had been taken seriously, the calamities of Mid Staffordshire might have been prevented, and so would many other less well-known cases of collapses in care standards. 

Visibility: 
Main blog
Read the full blog post here

Source: http://www.iea.org.uk/blog/we-need-more-hospital-bankruptcies-not-procedural-changes

pension forecast pensions uk iht annuity rates stakeholder pensions

A breath of fresh air in the student property market

Most people reading this will know that we are an advocate of the student property market here at Fresh Invest. With good management and an attractive property you can benefit from very high and secure rental yields. With student demand increasing year upon year and a massive shortage in student accommodation currently available in the [...]

Source: http://www.freshinvest.co.uk/blog/property-investment/breath-fresh-air-student-property-market/

retirement age uk retirement calculator annuity calculator pensions advisory service can i retire

Cheap as chips!

Life Insurance?money for old rope? Good value?

Source: http://www.lse.co.uk/blogs/expert/resident-ifa-blog/1yvx8o/

uk retirement drawdown state pension forecast uk state pension pension lump sum

Making the NHS a bit more competitive and a bit less state-centric

Free-market critics of the NHS often describe it as a Soviet-style model of command and control. After the Labour reforms, that description is no longer accurate. If anything, a more apt comparison would be Yugoslavia during Marshall Tito’s ‘market socialism’.

Visibility: 
Main blog
Read the full blog post here

Source: http://www.iea.org.uk/blog/making-the-nhs-a-bit-more-competitive-and-a-bit-less-state-centric

pensions uk iht annuity rates stakeholder pensions uk retirement

Rest in Peace Dad

Upon hearing that my father had passed away yesterday after a long illness, I realized how unprepared I was for this sad news. I thought I would take it more in stride. I can only hope that he is at peace with my mother and stepmother, each of whom passed away in late 2010. I am hugely grateful for so many wonderful memories of my father.

He was a kind and gentle man with a particular love for animals.  His beloved Calvin was a tiny dog. My father was large in body, spirit and mind. Seeing the two together was reason enough for a smile or two. How he cherished his furry friends.

My dad was smart and knew the importance of constant reinvention. He was one of the engineers who helped to build one of the first weather satellites for the National Aeronautics and Space Administration ("NASA"), Nimbus. As federal funding waned, he went on to apply his skills to the design of a machine that would help detect breast cancer. When it was clear that a changing workplace required greater technology savvy, he went back to school to learn Computer Aided Design ("CAD") and Computer Aided Manufacturing ("CAM").

We did not have much money. when I was little but my father made up for it with Sunday drives to nowhere, ending with an ice cream cone or an apple from a local fruit stand. I could keep going for hours. My story book is big. I will never tire of thinking about his strength and valor and a sense of humor that kept things fun.

I learned so much from him. He encouraged me to pick myself up after failure, to work hard, to never give up and to be honorable.

Dad - You will be sorely missed and in our hearts forever. Rest in peace. Thank you for your love and guidance.

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

ill health retirement the pension service pension release annuity inheritance tax

Aviva & Downton Abbey

I'm sure that I was not the only red-blooded male who eagerly tuned-in to the new series of ITV's 'Downton Abbey' on Sunday night.

Source: http://www.lse.co.uk/blogs/expert/resident-ifa-blog/h7i220/

state pension forecast uk state pension pension lump sum pension transfer retirement age uk

Empowering citizens to utilise information and hold governments to account ? video

Speaking at the Open Government Partnership 2013, trust executive of the Indigo Trust Loren Treisman says transparency is about 'bringing government, civil society and everyday citizens closer together'. She adds that the public should be able to access information in an accessible and meaningful format so they can use it to hold governments to account.


Source: http://www.theguardian.com/public-leaders-network/media-network-blog/video/2013/nov/12/loren-treisman-indigo-trust-open-government-partnership

pension calculator nhs pension pension forecast pensions uk iht

UN Treaty Turning Scotland into Nanny State

HSLDA’s fears regarding various UN treaties are being confirmed in the massive state social services bureaucracy proposed for the upbringing of Scottish children.

Source: http://harlowhome.com/un-treaty-turning-scotland-into-nanny-state/

uk state pension pension lump sum pension transfer retirement age uk retirement calculator

Monday 11 November 2013

The Economy in 10 Charts

1. Output is growing 2. But the recovery […]

Source: http://touchstoneblog.org.uk/2013/11/the-economy-in-10-charts

retirement calculator annuity calculator pensions advisory service can i retire pensions calculator

Stop the Lobbying Bill?s union membership data grab!

The Lobbying Bill is in trouble again. Yesterday […]

Source: http://touchstoneblog.org.uk/2013/11/stop-the-lobbying-bills-union-membership-data-grabthe-lobbying-bill-pause-is-not-quite-what-it-seems

iht annuity rates stakeholder pensions uk retirement drawdown

Pensions Course for Union Officers in the TUC Southern & Eastern Region

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:

 

read more

Source: http://www.pensionschampions.co.uk/?q=node/55

iht annuity rates stakeholder pensions uk retirement drawdown

Sign the e-petition now

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 overwhelmingly rejected the pensions proposals, we?ve been doing all we can to urge the government [...]

Source: http://blogs.bma.org.uk/pensions/2012/02/14/sign-the-e-petition-now/

nhs pension pension forecast pensions uk iht annuity rates

Britain?s Niqab: unveiling the facts ? FactCheck

As Channel 4 News continues with its series, Britain's Niqab, FactCheck gets to work uncovering a few facts around a polarised and heated debate.

Source: http://blogs.channel4.com/factcheck/britains-niqab-unveiling-facts-factcheck/16232

pension calculator nhs pension pension forecast pensions uk iht

FactCheck: child deaths in Britain

The Department of Health says five more children die each day in Britain compared to Sweden, as it introduces a new child health policy. Is that just because there are more children in Britain? What is the difference?

Source: http://blogs.channel4.com/factcheck/factcheck-child-deaths-britain-worse-sweden/16244

pensions calculator ill health retirement the pension service pension release annuity

Investment diversification is the key

Volatility...not Grease...has been the word over the last few days in relation to the Stockmarket.

Source: http://www.lse.co.uk/blogs/expert/resident-ifa-blog/7pedxf/

drawdown state pension forecast uk state pension pension lump sum pension transfer

As Ben Elton might say...

?...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/

ill health retirement the pension service pension release annuity inheritance tax

Access Your Cash

Accessing this form of finance in this way is taking advantage of the benefits prior to you retiring. With this you can get access to the maximum tax free cash and/or maximum income.� Alternatively, you can release a cash lump sum and then reinvest the balance until the point at which you decide to retire. [...]

Source: http://www.pensionrelease.org/early-pension-release/

nhs pension pension forecast pensions uk iht annuity rates

Sir John Major attacks dominance of privately-educated elite: Politics live blog

Rolling coverage of all the day's political developments as they happen, including reaction to Sir John Major's speech attacking the "truly shocking" lack of social mobility in Britain and the dominance of a privately-educated elite


Source: http://www.theguardian.com/politics/2013/nov/11/sir-john-major-attacks-dominance-of-privately-educated-elite-politics-live-blog

inheritance tax pension calculator nhs pension pension forecast pensions uk

Completion draws nearer in Barbados!

As completion of our beautiful apartment in Barbados gets closer and closer, I thought I would share some of the latest news on this fantastic Barbados Property Investment with any prospective purchasers. As you know, if you are reading this, we are a property investment company based in the UK and from our many years [...]

Source: http://www.freshinvest.co.uk/blog/overseas-property-investment/completion-draws-nearer-barbados/

the pension service pension release annuity inheritance tax pension calculator

Sunday 10 November 2013

Moneyfacts shortlist Pension Practitioner.Com for UK Best SSAS Provider 2011

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 & Pensions Moneyfacts Awards 2011 shortlist has been announced and in the first year of being put [...]

Source: http://www.pensionpractitioner.com/blog/moneyfacts-shortlist-pension-practitionercom-for-uk-best-ssas-provider-2011/80/

nhs pension pension forecast pensions uk iht annuity rates

A truth universally acknowledged??

Today’s big story of course is the Government green paper on the future of the basic state pension. Currently one of the lowest in the developed world it stands at a paltry �97.65 a week (assuming you have a full National Insurance record) rising to a minimum income guraranteed top up figure of �132.60 if [...]

Source: http://www.pensionlawyerblog.com/pensions-green-paper

annuity calculator pensions advisory service can i retire pensions calculator ill health retirement

New ERISA and Global Benefits Blog

I have been blogging for over seven years and enjoy it immensely. I never run out of topics but, like most bloggers, it is always good to read what others have to say. That is why I am excited to welcome Paul Hastings ERISA partners, Stephen Harris and Mark Poerio, to the blogosphere (although Attorney Poerio tells me that he created www.erisacloud.com and www.executiveloyalty.org several years ago for his Georgetown Law School students). My understanding is that the content for this newly launched blog will generally focus on the design, governance, and operation of retirement plans, health and welfare plans, and executive compensation plans. It will include information about legislative, regulatory, and litigation developments, from a practical business perspective. Attorney Poerio adds that "As lawyers, we are generally concerned with risk management, and our blog has that objective in mind."

Click to access the ERISA and Global Benefits blog. You can click here to add this new blog to your RSS reader as well.

Source: http://feeds.lexblog.com/~r/PensionRiskMatters/~3/NpKbsyroN5Q/

ill health retirement the pension service pension release annuity inheritance tax

Manchester United's early hold over Arsenal proved important | Michael Cox

United's display was structured but too much space was afforded to Bacary Sagna, who was a consistent danger
? In pictures: the best images from Old Trafford

This narrow Manchester United victory demonstrated the fine margins between a strategy being considered successful or naive. David Moyes instructed his side to play extremely narrow, which was highly effective at limiting impact of Arsenal's playmakers, but it afforded space to Bacary Sagna, whose crosses were consistently dangerous in the second period.

Both managers selected cautious starting XIs ? Moyes used the tenacious Phil Jones alongside Michael Carrick in midfield, while the absence of Tomas Rosicky forced Ars�ne Wenger to move Aaron Ramsey wide, with Mathieu Flamini being used in the holding role. It meant both sides played with a double screen in front of their back four, and the creative players were starved of space.

Particularly important in United's triumph was their performance in the opening 10 minutes, when they did not create any chances but enjoyed 67% of possession, much of it inside the Arsenal half. In a match where United were in danger of being overrun in midfield because of Arsenal's superior passing quality, it was crucial United imposed themselves immediately.

Both sides were exceptionally well organised without possession, with Manchester United particularly impressive in the first half. Moyes employed a strategy he often favoured against Arsenal in his Everton days, asking the wide midfielders to drop into deep, narrow positions, cutting off the passing angle into Arsenal's attacking midfielders.

Arsenal have coped well without Theo Walcott and Lukas Podolski this season but here they desperately needed some pace and directness out wide.

Moyes is a very reactive manager, assessing the opposition's strengths and weaknesses and varying his team accordingly. His strategy here was also similar to the approach he used as Everton manager last season against Tottenham ? who were without both Gareth Bale and Aaron Lennon, and therefore forced to cope without any true wingers. Everton packed the central positions and happily conceded space out wide ? if Moyes knows the opposition lack width, he will force them to play down the flanks.

Something similar happened in the first half here: with Ramsey and Santi Cazorla both moving inside into central positions, Arsenal's attacks were too predictable. Wenger's side lacked sharpness when attempting intricate passing moves and possession was conceded extremely cheaply.

Arsenal's full-backs were given space, which was a risky strategy from Moyes, considering Arsenal have scored plenty of goals from crosses in recent weeks, but in the first half Antonio Valencia and Shinji Kagawa worked hard to close down Sagna and Kieran Gibbs when the play was switched wide. However, the second half showed the dangers of United's approach.

First Ramsey moved wider, taking advantage of the space down the right, and later Mesut �zil was moved to that flank, making clever runs in behind the defence. But the second half's key player was Sagna, rejuvenated this season and consistently dangerous with his delivery from wide ? he has created goals in the wins over Napoli and Liverpool.

The Frenchman crossed the ball seven times after the break, creating two chances and whipping two other fantastic balls in behind the Manchester United defence, into the corridor of uncertainty that begged for Olivier Giroud ? or another Arsenal attacker ? to provide the finish. The absence of Nemanja Vidic, who departed at half-time with a head injury, was clearly a factor in United's uncertain aerial defending.

Moyes became concerned about Sagna's freedom, removing an exhausted Kagawa and introducing Ryan Giggs, with instructions to shackle the right-back, although the crosses kept coming.

In all it was the type of performance we can expect from Manchester United in big matches this season ? structured without the ball, cautious when it comes to throwing men forward and reliant on the front two for goals.


theguardian.com © 2013 Guardian News and Media Limited or its affiliated companies. All rights reserved. | Use of this content is subject to our Terms & Conditions | More Feeds

Source: http://www.theguardian.com/football/2013/nov/10/manchester-united-arsenal-tactics

annuity calculator pensions advisory service can i retire pensions calculator ill health retirement

Major?s underrated premiership is long overdue for reappraisal

We get the politicians we deserve, but politicians do not always get the reputations they deserve. None has been short-changed by history more stingily than Sir John Major, the former British prime minister still invoked in some quarters ? including his own Conservative party ? as a synonym for haplessness and weak leadership.

Not the least of his qualities is a grown-up disinclination to fight for his good name. He could, as Margaret Thatcher did and Tony Blair still does, hover about in public life, talking up his achievements, nudging his successors this way or that. Instead, he has gone for a kind of dignified elusiveness. All we can surmise about his life now is that he puts his name to some good causes and still enjoys a Test match. Yesterday, a wowing guest turn at the parliamentary press gallery lunch restored him to the headlines for the first time in an age.

Continue reading �

Source: http://blogs.ft.com/westminster/2013/10/majors-underrated-premiership-is-long-overdue-for-reappraisal/

annuity calculator pensions advisory service can i retire pensions calculator ill health retirement

Barbados property investment ? now and our future plans

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 [...]

Source: http://www.freshinvest.co.uk/blog/overseas-property-investment/barbados-property-investment-future-plans/

retirement age uk retirement calculator annuity calculator pensions advisory service can i retire

Nods and winks across the Great Wall

Source: http://blogs.birminghampost.co.uk/business/2013/11/nods-and-winks-across-the-grea.html

nhs pension pension forecast pensions uk iht annuity rates

Is a SSAS better than a SIPP?

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/

annuity calculator pensions advisory service can i retire pensions calculator ill health retirement

Access Your Cash

Accessing this form of finance in this way is taking advantage of the benefits prior to you retiring. With this you can get access to the maximum tax free cash and/or maximum income.� Alternatively, you can release a cash lump sum and then reinvest the balance until the point at which you decide to retire. [...]

Source: http://www.pensionrelease.org/early-pension-release/

pension release annuity inheritance tax pension calculator nhs pension

State Pension Forecasts

The State Pension Forecast system is now updated and fully available again. To read the latest information about it from the DWP, download the document attached.

Source: http://www.pensionschampions.co.uk/?q=node/62

state pension forecast uk state pension pension lump sum pension transfer retirement age uk

The latest on Common Core

PJ Lifestyle � How Common Core is Coming to Homeschoolers pjmedia.com7/29/13 Many homeschooling families believe that they can remain insulated from the effects of the unpopular Common Core curriculum by maintaining control of their curriculum in their home. In states … Continue reading

Source: http://harlowhome.com/the-latest-on-common-core/

retirement age uk retirement calculator annuity calculator pensions advisory service can i retire

Pensions: Don?t stop planning for AE

As you may have noticed, there has been rather a lot of Government led changes (both proposed and actual) since the summer break, and I have been asked to comment on these changes by two excellent websites that I would … Continue reading

Source: http://www.jelfgroup.com/blog/2013/11/pensions-dont-stop-planning-for-ae/?utm_source=rss&utm_medium=rss&utm_campaign=pensions-dont-stop-planning-for-ae

nhs pension pension forecast pensions uk iht annuity rates

Saturday 9 November 2013

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 times in the pensions world. The role of member trustees is critical in stewarding pensions, protecting members’ benefits and taking a long-term view in the face of these challenges.

This conference aims to help trustees navigate the current terrain and look to the future on pensions policy, regulatory and investment issues.

read more

Source: http://www.pensionschampions.co.uk/?q=node/58

iht annuity rates stakeholder pensions uk retirement drawdown

A busy day...

Yesterday was jam-packed. You couldn?t take your eyes off it for a second!

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

pension forecast pensions uk iht annuity rates stakeholder pensions

Why more women-led businesses need to embrace international trade

Source: http://blogs.birminghampost.co.uk/business/2013/10/why-more-women-led-businesses.html

annuity inheritance tax pension calculator nhs pension pension forecast

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/

state pension forecast uk state pension pension lump sum pension transfer retirement age uk

Overseas Property, is it the little things that matter?

What really attracts people to purchase an overseas property, apart from location, price, and dimensional suitability? I would argue that it is normally the LOVE factor. Most people fall in love with the property they want to purchase and will normally go with the one that just feels right when they go to view it, [...]

Source: http://www.freshinvest.co.uk/blog/overseas-property-investment/overseas-property-matter/

retirement age uk retirement calculator annuity calculator pensions advisory service can i retire

Life insurance...not just for mortgages

You obtain a mortgage, and then you obtain life insurance. Right?

Source: http://www.lse.co.uk/blogs/expert/resident-ifa-blog/4ode9v/

pensions calculator ill health retirement the pension service pension release annuity

Investment in Intellectual Property Via A SSAS

SSAS, A small self administered scheme is a pension scheme established by the operators of a business, who appoint themselves as members and trustees. They dictate investment policy and ultimately benefit from the proceeds. That investment policy can range from investing money in shares to loans to the business.
A SSAS can purchase an asset from [...]

Source: http://www.pensionpractitioner.com/blog/intellectual-property-investment-via-ssas/92/

inheritance tax pension calculator nhs pension pension forecast pensions uk

My new blog on tax and pension advice for healthcare professionals

Last Wednesday, I attended the ICAEW accountancy institute Healthcare Seminar of which I am the chairman.

The seminar was even more passionate than usual due to the recent and forthcoming changes to financial legislation for both healthcare professionals and citizens alike.

Over the next few weeks, I will advise on some of the relevant topics covered during the seminar.

These areas will include:

read more

Source: http://nhslocal.nhs.uk/blogs/jeremy-syree/2011/02/my-new-blog-tax-and-pension-advice-healthcare-professionals

inheritance tax pension calculator nhs pension pension forecast pensions uk

The latest on Common Core

PJ Lifestyle � How Common Core is Coming to Homeschoolers pjmedia.com7/29/13 Many homeschooling families believe that they can remain insulated from the effects of the unpopular Common Core curriculum by maintaining control of their curriculum in their home. In states … Continue reading

Source: http://harlowhome.com/the-latest-on-common-core/

annuity rates stakeholder pensions uk retirement drawdown state pension forecast

Property News Radio: GDP, Waitrose & a New Take on the Ripple Effect

This week on Property News Radio we discuss improvements in UK GDP levels, the recent increase in […]

The post Property News Radio: GDP, Waitrose & a New Take on the Ripple Effect appeared first on RMP Property - The UK Property Investment Experts.

Source: http://feedproxy.google.com/~r/co/SgjQ/~3/I3gxeGCZFqM/

the pension service pension release annuity inheritance tax pension calculator