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Sunday, 4 September 2011
Ancient Aliens romana ? Episode 0 Chariots, Gods And Beyond [part 1 of 6]
Episodul si seria intregi (subtitrate in romana) aici: Full episode and series here: veehd.comVideo Rating: 4 / 5
SSAS loans ? Five conditions for the principal and associated companies
The rules state; The maximum loan is 50% of net assets of the scheme at the time of the loan. The loan is for a maximum period of five years. The interest rate has to be a minimum of 1% … Continue reading
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Summer market comment: Dulwich
Oliver Burgess, Branch Valuer at Winkworth Dulwich Estate Agents, gives an update on the local market. If you would like to discuss the market or how we can help you sell your property please contact Winkworth Dulwich on 020 8299 … Continue reading
Source: http://www.pensionsuk.info/summer-market-comment-dulwich/
Saturday, 3 September 2011
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.
Source: http://www.pensionschampions.co.uk/?q=node/58
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Pensions & Divorce
I received a visit last week from a lady who had recently divorced. I say recently, although it was 2 years ago… Source: http://www.lse.co.uk/blogs/expert/resident-ifa-blog/bcd449/ inheritance tax pension calculator nhs pension pension forecast pensions uk Source: http://www.the-pension-service.info/pensions-divorce-5/ pension lump sum pension … Continue reading
Source: http://www.nhspension.info/pensions-divorce/
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Treating Customers Fairly?
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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Electricity demand ? turning over a new LEAF
Source: http://blogs.birminghampost.net/business/2011/08/electricity-demand—turning-o.html uk state pension pension lump sum pension transfer retirement age uk retirement calculator
Source: http://www.ukstatepension.info/electricity-demand-turning-over-a-new-leaf-4/
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Computer-Driven Trading Slowing Down?
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According to "Traders Exit High-Speed Lane" by Tom Lauricella (Wall Street Journal, May 5, 2011), equity trading has slowed down since last year's market "flash crash." Citing concerns on the part of previously active algorithmic traders and longer-term investors with a stomach for more calm, trading volume has dipped as a result. In turn, volatility has quieted, rendering it difficult for high frequency traders to turn a profit. Lauricella adds that some hedge funds that engage in statistical arbitrage have shut down or entered into fewer transactions if their performance has discouraged investors from sending more money their way. A counter opinion described in the article is that trading volume was artificially high during the credit crisis and that current numbers reflect the norm.
Institutional investors are impacted by the depth and breadth of trading activity in any secondary market in part because risk-takers facilitate liquidity by being the "other side." Having worked on several trading desks and also done research in the area of market microstructure, I know firsthand how aggregate levels themselves can fall short as a guide to what is really going on beneath the surface. Those pension funds and endowments that track short-term dynamics for timing purposes (i.e. market entry or exit) may want to examine the bid-ask spread trends along with price behavior relative to technical indicators in addition to total volume and volatility. For those that have relationships with high frequency trading ("HFT") teams, note that the Financial Industry Regulatory Authority ("FINRA") has publicly declared its intention to scrutinize firms that effect "orders by use of HFT models or trading algorithms" by making sure that "such trading complies with applicable FINRA rules and federal securities laws and regulations, including anti-manipulation provisions." Some assert that high frequency trading litigation may accompany heightened enforcement activity.
Note to Readers: The items listed below may be of interest.
- "Findings Regarding The Market Events of May 6, 2010: Report of the Staffs of the CFTC and SEC to the Joint Advisory Committee on Emerging Regulatory Issues," September 30, 2010
- VIX® - CBOE Volatility Index Frequently Asked Questions
- February 8, 2011 Letter to Compliance Professionals From Susan F. Axelrod (FINRA Executive Vice President - Member Regulation) and J. Bradley Bennett (FINRA Executive Vice President - Enforcement)
- "Man Vs. Machine: Pros and Cons of High-Speed Trading" by Bob Pisani, CNBC, September 13, 2010
Source: http://feeds.lexblog.com/~r/PensionRiskMatters/~3/iwI8kdFKSUw/
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Linkedin Jungleland
It exists because of the same urge I had as a thirteen year old – I just wanted to get out more. Source: http://henrytapper.com/2011/08/27/linkedin-jungleland/ annuity calculator pensions advisory service can i retire pensions calculator ill health retirement
Source: http://www.pensionscalculator.info/linkedin-jungleland/
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Are the Lib Dems all at sea over the Vickers reforms?
For weeks there have been rumbling tensions about the implementation of the Vickers reforms after the FT first revealed that they may not be completed until as late as 2019. We splashed this morning on how there will indeed be … Continue reading
Source: http://www.pensionforecast.info/are-the-lib-dems-all-at-sea-over-the-vickers-reforms/
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Counterparty Credit Risk Guidance From Bank Regulators
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.pension-calculator.info/counterparty-credit-risk-guidance-from-bank-regulators-5/
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Budget 2011 ? In Britain to stay?
There has been much speculation as to how the special rules for taxing non-doms might change. On Budget Day we found out. Source: http://feeds.lexblog.com/~r/MercerHole/TaxPlusBlog/~3/Zzuz1LtZECI/ stamp duty on commercial property stamp duty commercial property commercial property stamp duty stamp duty for … Continue reading
Source: http://www.pensionscalculator.info/budget-2011-in-britain-to-stay-3/
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Driving with a difference puts Afghan Army to the test 21.07.11
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
Source: http://www.pension-calculator.info/driving-with-a-difference-puts-afghan-army-to-the-test-21-07-11/
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When is two years not enough? When it comes to the Pensions Regulator?s powers to issue a financial support direction
Since coming into force in April 2005, the goal posts on the Pensions Regulator’s moral hazard powers have moved a number of times and are set to move again, assuming that the Pensions Bill 2011 is enacted in its present … Continue reading
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Friday, 2 September 2011
Linkedin Jungleland
It exists because of the same urge I had as a thirteen year old - I just wanted to get out more.
Source: http://henrytapper.com/2011/08/27/linkedin-jungleland/
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Top benefits of a COMMON TRUST for SSAS members.
When a SSAS purchases a property on the behalf of its’ members, it does so as a single purchase transaction. It holds the asset in a non-allocated common trust. It is for the benefit of all members, in proportion to their share of the pension fund. The U.K. top rated SSAS provider’s, [...]
Source: http://www.pensionpractitioner.com/blog/common-trust-for-ssas-members-benefits/44/
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Women?s unemployment at 23 year high
Contrary to city economists? optimistic predictions that today?s [...]
Source: http://touchstoneblog.org.uk/2011/08/women%e2%80%99s-unemployment-at-23-year-high/
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Here we go again
The announcement of a consultation on contributions increases for 2012/13 is the first step in the government?s plan to make the NHSPS (NHS Pension Scheme) a far less pleasant place to be. ?Haven?t we been here before?? I hear you ask. Yes, just three years ago in fact – when the last major review of [...]
Source: http://blogs.bma.org.uk/pensions/2011/08/04/here-we-go-again/
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Budget 2011 - Tax Plus Special
Chancellor George Osborne unveiled his Budget on Wednesday 23 March 2011.
Source: http://feeds.lexblog.com/~r/MercerHole/TaxPlusBlog/~3/F9ytPQIYxk4/
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TSSA Pensions Champions network
At the beginning of the year the TSSA trained its first wave of Pension Champions. Stimulated by the report made by the Railway Pension Commission and recommendations to move to a career average scheme*, as well as disregarding TSSA recommendations for an industry wide scheme; reps have been busy recruiting pensions champions. As part of the TSSA strategic response to the commission’s report the TSSA has managed to recruit pension champions from outside the rep pool and directly from the membership. July brings the second wave of training with nearly 40 applicants and many more awaiting dates for future training in the year. It is the aim of the TSSA to recruit pension champions in every region for every company, providing us with a network of reps solely placed to organise around what stands to be one of the biggest issues facing our members in 2008.
Source: http://www.pensionschampions.co.uk/?q=node/56
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Drowning in debt
The Bank of International Settlements has released an interesting new piece of research: The real effects of debt by Cecchetti, Mohanty, and Zampolli. Essentially, the paper shows that once debt rises beyond a certain level, it becomes a drag on economic growth (and increases likelihood and severity of financial crises). If you want to check out their data and economic modelling, you can download the whole paper here.
Their findings apply to household, corporate and public (i.e. government) debt. Government debt becomes a drag on growth at between 80 and 100% of GDP. Corporate debt becomes a drag on growth once it rises above 90% of GDP. Household debt becomes a drag on growth beyond 85% of GDP. The bad news is the UK already exceeds all these debt thresholds: our household debt is 106% of GDP, our corporate debt is 126% of GDP, and our government debt is 89% of GDP.
Here’s how household, corporate and government debt have risen as a percentage of GDP since 1980:
And here’s what has happened to total, combined debt in the UK since 1980 (it now stands at 322% of GDP):
Unfortunately, it gets worse:
A clear implication of these results is that the debt problems facing advanced economies are even worse than we thought. Given the benefits that governments have promised to their populations, ageing will sharply raise public debt to much higher levels in the next few decades. At the same time, ageing may reduce future growth and may also raise interest rates, further undermining debt sustainability. So, as public debt rises and populations age, growth will fall. As growth falls, debt rises even more, reinforcing the downward impact on an already low growth rate. The only possible conclusion is that advanced countries with high debt must act quickly and decisively to address their looming fiscal problems. The longer they wait, the bigger the negative impact will be on growth, and the harder it will be to adjust.
A previous paper (PDF) by the Bank of International Settlements projected the UK’s government debt forward to 2040, assuming current policies are maintained. On the graph below, the red line is the baseline scenario, the green line shows what would happen with a small gradual adjustment (a fiscal consolidation of 1% of GDP each year from 2012), and the blue line shows what would happen with a small gradual adjustment in which age-related spending was held constant (as a percentage of GDP).
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Note that on the baseline scenario, government debt exceeds 500% of GDP. That would mean the government spending more than a quarter of the UK’s GDP servicing its debts. In reality, we would be forced into default long before debt reached such a level.
It all makes for pretty grim reading, doesn’t it? The simple fact is that Britain, like most Western economies, is living on borrowed time. In the medium term, only a genuinely radical re-evaluation of the scope and scale of the state can avert disaster. Look around Westminster, Washington or Brussels right now though, and all you will see is lots of heads buried in the sand.
Source: http://feedproxy.google.com/~r/TheAdamSmithInstituteBlog/~3/O0F3WVKtCAU/
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Alistair Darling found Sir Mervyn King ?stubborn and exasperating?
With Alistair Darling’s book about to be published, people are already getting excited by his revelations about the depth of tensions between the former chancellor and the Brown/Balls axis. He confirms the old story that Brown tried to sack him, …
Source: http://feedproxy.google.com/~r/ft/westminster/~3/nMb4JetFTqg/
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Pension Auto-enrolment is coming...
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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Thursday, 1 September 2011
The ACA have spoken ? the DWP ought to listen
Let's hope that instead of issuing yet more consultation documents on the policing of the auto enrolment regulations, the Government will , through its key Departments, DWP and the Treasury, start getting us excited about the prospect of this new order. Otherwise this new pension paradigm will degenerate, as its Stakeholder predecessor degenerated, into a fearful, unloved, unadopted and unenforced mess.
Source: http://henrytapper.com/2011/09/01/the-aca-have-spoken-the-dwp-ought-to-listen/
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The future for SSAS.
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The Small Self-Administered Scheme (SSAS) market is old and credible but largely unknown. Too long has this jem been hidden in the shadow of the Self-Invested Personal Pension (SIPP). Many do not truly realise what a SSAS [...]
The Small Self-Administered Scheme (SSAS) market is old and credible but largely unknown. Too long has this jem been hidden in the shadow of the Self-Invested Personal Pension (SIPP). Many do not truly realise what a SSAS [...]
Source: http://www.pensionpractitioner.com/blog/the-future-for-ssas/34/
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Barbados Property ? Weston Resort update
Weston Resort, a development of 45 apartments on the west coast of Barbados, at prices far below anything seen in this location in recent years, is still progressing well and the exterior shell of the building is coming up very quickly. After a small set back due to an unforeseeable amount of rain in the [...]
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Alistair Darling found Sir Mervyn King ?stubborn and exasperating?
With Alistair Darling’s book about to be published, people are already getting excited by his revelations about the depth of tensions between the former chancellor and the Brown/Balls axis. He confirms the old story that Brown tried to sack him, …
Source: http://feedproxy.google.com/~r/ft/westminster/~3/nMb4JetFTqg/
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Borrowing from your SSAS Pension fund to aid your company
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.
This notion is out-dated. [...]
This notion is out-dated. [...]
Source: http://www.pensionpractitioner.com/blog/borrowing-from-ssas-pension-fund/37/
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Defense Secretary Gates visits Marines in Afghanistan
Secretary of Defense Robert Gates visited Marines in Helmand Province, Afghanistan, to observe their progress, and thank them for their sacrifices.Video Rating: 4 / 5 Source: http://www.statepensionforecast.info/defense-secretary-gates-visits-marines-in-afghanistan-2/ pension lump sum pension transfer retirement age uk retirement calculator annuity calculator Source: … Continue reading
Source: http://www.newstakeholderpensions.info/defense-secretary-gates-visits-marines-in-afghanistan-2/
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Another perspective on the global financial woes
I couldn’t help but share this with you… Source: http://www.lse.co.uk/blogs/expert/resident-ifa-blog/v6465y/ iht annuity rates stakeholder pensions uk retirement drawdown
Source: http://www.pensionforecast.info/another-perspective-on-the-global-financial-woes-3/
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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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Japan disaster?s effect on those retiring
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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Public sector cuts threaten private sector business
“The impact of the public sector cuts on [...] Source: http://touchstoneblog.org.uk/2011/08/public-sector-cuts-threaten-private-sector-business/ what are the stamp duty thresholds stamp duty on real estate stamp duty real estate real estate stamp duty hmrc stamp duty
Source: http://www.retirementcalculatoruk.info/public-sector-cuts-threaten-private-sector-business/
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A New History For U.S. Pension Funds
As many Americans celebrate the Fourth of July with sparklers and picnics, it is notable that public pension plans in the United States are undergoing radical changes. From their original inception as rewards for civil servants and military personnel, retirement plans are often now seen as costly drains on municipal and state coffers.
A few days ago, the Atlanta City Council voted unanimously to reform its pension plan and thereby "generate $22 million to $30 million in savings over the next 10 years and $500 million over the next 30 years."
Jurists in Colorado and Minnesota recently said "no" to public retirees who sued to reinstate reduced benefits on the basis of alleged contractual guarantees.
While Monday is an official day off for many individuals, it's back to work on Tuesday July 5 with continued debates in town halls throughout the nation (and abroad) about employee benefit plans.
Related Links For Readers:
- A History of Public Sector Pensions in the United States by Robert Louis Clark, Lee A. Craig, and Jack W. Wilson, University of Pennsylvania, March 2003;
- "Atlanta City Council Approves Pension Reform," WSBTV.com, June 29, 2011;
- "Gary R. Justus et al v. State of Colorado...," June 29, 2011;
- "Howard Swanson et al vs. State of Minnesota..." March 22, 2011; and
- "Two Rulings Find Cuts in Public Pensions Permissible" by Mary Williams Walsh, New York Times, June 30, 2011.
Source: http://feeds.lexblog.com/~r/PensionRiskMatters/~3/Y_83p5wcK2o/
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