Source: http://touchstoneblog.org.uk/2012/05/boe-agents-report-suggests-unemployment-due-to-rise/
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Thursday, 31 May 2012
BoE Agents? Report suggests unemployment due to rise
Today’s summary of the reports from the Bank [...]
The basics
How often do you invest time simply to ?see what you have? in financial terms?
Source: http://www.lse.co.uk/blogs/expert/resident-ifa-blog/2dl3mh/
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Robin Hood: backed by the rich, backed by the rest, says new poll
There’s lots of interesting material in the opinion [...]
Source: http://touchstoneblog.org.uk/2012/05/robin-hood-backed-by-the-rich-backed-by-the-rest-says-new-poll/
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The ?soft renationalisation? of the energy sector
The UK was the first European country to liberalise its electricity market. Will Britain now be the first European country to roll back the market and effectively renationalise the sector? Read the full blog post here Source: http://www.iea.org.uk/blog/the-%E2%80%98soft-renationalisation%E2%80%99-of-the-energy-sector pensions advisory service … Continue reading
Source: http://www.pension-calculator.info/the-soft-renationalisation-of-the-energy-sector-2/
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Guide
Life expectancy in the UK is an average of 81 for men and 86 for women. With the age of retirement set at 65, it is immediately obvious why retirement plans are important. People naturally worry how their financial situation will fare once they enter retirement. In the UK, the government has set about to [...]
Source: http://www.pensionrelease.org/a-uk-pension-guide/
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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/ inheritance tax pension calculator nhs pension pension forecast pensions uk
Source: http://www.illhealthretirement.info/pension-auto-enrolment-is-coming-7/
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The UK?s tax system punishes work, training, family formation and saving
If one were to set out to design a malfunctional tax and benefits system from scratch you would probably end up with what we have in the UK. As such, the Taxpayers’ Alliance new publication “The Single Income Tax” is extremely useful. … Continue reading
Source: http://www.pensionsuk.info/the-uks-tax-system-punishes-work-training-family-formation-and-saving/
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Get with the Rhythm?
After a bit of a break to recharge my pension batteries (lounging on a beach works wonders!!) normal service is resumed with a report of recent happenings in the pensionsphere.
I have just got back from a fantastic conference organised by Mallowstreet which was frankly unlike any pension conference I’ve ever been to. I loved the [...]
I have just got back from a fantastic conference organised by Mallowstreet which was frankly unlike any pension conference I’ve ever been to. I loved the [...]
Source: http://www.pensionlawyerblog.com/get-with-the-rhythm
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Green light for pensions champions
Prospect is to set up a network of workplace pensions champions to help members handle the many retirement choices they now face. Conference backed a proposal by the national executive to give full support to the TUC’s pensions champions project. … Continue reading
Source: http://www.pensions-advisory-service.info/green-light-for-pensions-champions-11/
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Wednesday, 30 May 2012
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/
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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/
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Technology in the care of older people
I recently gave the opening address to a conference jointly hosted by the Royal Academy of Engineering and Age UK. The title of the conference was ?Designing cost-effective care for older people: how technology can make a difference? and I … Continue reading
Source: http://www.newstakeholderpensions.info/technology-in-the-care-of-older-people-2/
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SIPPs: What are they good for?
The Self-Invested Personal Pension (SIPP)...the clue is in the title.
Source: http://www.lse.co.uk/blogs/expert/resident-ifa-blog/mscsna/
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A couple of articles:
• Facebook • Twitter • Delicious • Digg • StumbleUpon • Add to favorites • Email • RSS I am very conscious that my last few�technical posts have all been pensions related, but I guess we should all accept that 2012 is likely to be pensions heavy. So, with little apology, here are two more links to pension … Continue reading
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Aviva Investors picks companies likely to benefit from Euro 2012
Media, takeaway companies, gambling firms and supermarkets should do well
Which UK companies are likely to benefit from the Euro struggles?
Not, for once, the struggles to keep the eurozone together, but the sporting battles ahead in the Euro 2012 football championships in Poland and the Ukraine, which start in just over a week.
The event is apparently the third most watched global sporting event after the Olympics and football world cup. According to Trevor Green, UK equity fund manager at Aviva Investors, the Euro 2008 tournament in Switzerland and Austria made ?1.3bn in sponsorship and commercial revenues, and also had a positive indirect effect on the wider European economy. And heaven knows, another boost would certainly be welcome.
Looking at which UK companies could do well, Green said:
We expect these Championships to be even bigger [than 2008]. And with investors nervous and short term in their outlooks, it should not be underestimated how much any sign of a positive fillip from the tournament might help a company's share price.
He picked four sectors that he believed could benefit:
Media: ITV will be covering England's first and third group games and will also share the final with the BBC. The time zone is favourable for attracting good viewing figures, but of more importance is how long England stays in the competition. ITV recently posted encouraging figures that supported their share price, and the Euros should provide an additional and welcome boost to advertising spend.
Travel and Leisure: Although not all companies in this sector will benefit from the Euros, there is a very high correlation between high profile televised football matches and pizza sales. I see no reason why this should not be the case again this summer, and Domino's Pizza is one potential beneficiary. DP Poland is also an interesting play for exposure to pizza sales at the venues. This AIM quoted company has exclusive rights to Domino Pizza sales in Poland and currently has 12 outlets in Warsaw.
Gambling: There is no doubt that punters like to have a bet on who is going to win and who will be top scorer. Betting operators are much more innovative than in the past and "in running" internet bets will be a big opportunity for online operators such as Sportingbet.
General retailers: After the washout of April, supermarkets and DIY stores will be crossing their fingers for sunshine in June. There may only a couple of big barbeque weekends but "every little helps" right now for the likes of Kingfisher, owners of B&Q.
But he added that travel operators such as Tui Travel and Thomas Cook, already struggling with the current consumer downturn and online competition, could do without the distraction:
Potential customers will book late and could leave going away until later in the summer, putting huge pressure on travel companies' schedules.
guardian.co.uk © 2012 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.guardian.co.uk/business/marketforceslive/2012/may/30/aviva-euro-2012-beneficiaries
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How not to pull off a u-turn
David Cameron is fond of saying that u-turns are not a problem, they are actually a sign of strength and a government that listens to voters and is willing to change its mind.
He may be right: voters stuck with him through a spate of u-turns early in the government’s life – on selling off national forests, on GP commissioning, on sentencing. But today we have three in one day – will this now start to look like a government that doesn’t know what it’s doing?
The key may lie in the way in which the u-turn is handled. When he announced he was abandoning plans to offer 50 per cent discounts on sentences for offenders who offer guilty pleas, Ken Clarke united the House in laughter by telling MPs:
I have done a few u-turns in my time, and they should be done with purpose and panache when you have to do them.
This is exactly the way Clarke has gone about his u-turn today on secret courts.
Source: http://feedproxy.google.com/~r/ft/westminster/~3/5DO79D5rOCA/
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Over-hyped Olympics
I am looking forward to the Olympics as I’m sure you are. But I’m also sure I’m not alone in wondering quite why we have needed to spend £9.3 billion (the Public Accounts Committee says over £11 billion) of public … Continue reading
Source: http://www.nhspension.info/over-hyped-olympics-2/
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Doctors decide: what not to wear
Should doctors have a uniform? Source: http://feedproxy.google.com/~r/BMADailyFeed/~3/trSJfVvAU9g/ATHN-8ULHJP stakeholder pensions uk retirement drawdown state pension forecast uk state pension
Source: http://www.annuitycomparison.info/doctors-decide-what-not-to-wear/
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Prioritizing Risk Management
Since I launched my second blog in early 2011 to discuss risk management and investment best practices for a wider institutional audience beyond pension plans alone, I've seldom posted items in both places. Instead, I've tried to provide unique insights for employee benefit plan decision-makers on www.PensionRiskMatters.com and address broader regulatory, litigation and compliance issues on www.GoodRiskGovernancePays.com.
Today is an exception. I am reprinting my comments about risk management on both blogs because I believe so strongly in the importance of effective risk management as an integral component of investment governance. I hope you enjoy reading my comments, originally published on The Glass Hammer website. For those who are not familiar with the group, check out www.TheGlassHammer.com to learn about this award-winning blog and online community created for women executives in finance, law, technology and big business. See below or click on "Thought Leaders: Prioritizing Risk Management" to read the full text of this commentary about the benefits of risk mitigation well done and the costly consequences of inattention or sloppy practices.
Full Text:
Thought Leaders: Prioritizing Risk Management, July 14, 2011, 1:00 pm
Contributed by Susan Mangiero, PhD, Investment Risk Governance Consultant and Author
For those financial institutions which have yet to grasp the importance of identifying, measuring, managing, and monitoring risks on a comprehensive basis, time may not be on their side. Regulators and litigators alike are forcing change.
There are countless individuals who want better information from their service providers about risk and are prepared to vote with their feet if they don’t get good answers. After all, these institutional investors themselves are confronted with a bevy of new mandates that require transparency. The good news is that change opens the door to business opportunities. Enlightened organizations that have good processes in place and have nothing to hide can differentiate themselves from competitors. Providing clients with education and data tools offers yet another way for asset managers, consultants, banks, and advisors to forge stronger relationships with their pension, endowment, foundation and family office clients. On the flip side, those who are reluctant to explain how they manage their financial, operational and legal risks may lose clients or worse yet, could end up as defendants in a lawsuit.
Pay to play conflicts, questions about hidden fees, state and federal legislation and new accounting rules are a few of the forces at work to ensure that trillions of institutional dollars are in good hands. Effective investment stewardship is no longer a luxury. Recent surveys confirm that buy side decision-makers continue to emphasize governance and risk management for their organizations as well as providers of products and services. Institutional investors can ill afford to lose money after a tumultuous few years. Investment committee members who give short shrift to fiduciary duties could end up being investigated by regulators or sued. According to federal court data, the number of ERISA lawsuits is going up. Factor in investment arbitrations, enforcement actions and “piggyback” securities litigation allegations and it is clear that unhappy investors are not going to accept the status quo.
1. Fiduciary Focus
Besides efforts underway by the U.S. Securities and Exchange Commission (SEC), the U.S. Department of Labor (DOL) has proposed an expanded definition of who should serve as a fiduciary to ERISA employee benefit plans. If adopted, countless more professionals will be tasked with demonstrating procedural prudence when it comes to the investment of over $30 trillion in money from corporate retirement plan sponsors. States are likewise seeking change in the form of trust law reforms that tighten accountability for the investment of monies held by endowments, foundations and charities. The questions now being addressed by judges and arbitration panels relate to “excessive” risk-taking, insufficient diversification, absence of independent assessments of hard-to-value instruments and oversight failures that have led to large losses that might have been highly preventable.
One asset management firm recently settled with the SEC for $242 million over a mistake with one of its risk management models. Another firm just settled with the SEC for $200 million due to problems in the way subprime securities were marked. A few years ago, a Northeast pension plan was sanctioned by the DOL for not having thoroughly vetted valuation numbers provided by one of its hedge fund managers.
When I testified before the ERISA Advisory Council in 2008, I emphasized that having good valuation policies and procedures is essential because it impacts so many decisions having to do with asset allocation, hedging and fees paid.
2. Data Mining for Gold
Data analysis is a cornerstone of effective risk management but only if inputs are considered good. Garbage in, garbage out can be disastrous and costly. The use of unreliable, incomplete or inaccurate data points can result in bad decisions being made about measuring and controlling risks. Since risk
management is integral to investment management, other decisions such as portfolio rebalancing may be flawed as a result. Moreover, data is not created equal. Consider a few examples. Yields for a constant maturity security are not the same as yields on particular financial instruments with a fixed maturity date. Betas can be levered or unlevered. Mutual fund returns may not include all relevant fees, let alone the timing as to when the fees are charged. Hedge funds that utilize side pockets will report performance numbers that are skewed as a result. For an institutional investor that is trying to decide how to best manage risk or make sure that its service provider is properly controlling risk, one has to first measure the numerous risks that can spell trouble if left unchecked.
I’ve been fortunate to have worked on various projects where I had to thoroughly understand data quality exigencies before I could conduct statistical analyses that in turn were used for risk management or compliance purposes. While pursuing my PhD in finance, I took extra math and statistics courses to strengthen my data analysis skills. My doctoral research on trading patterns and market liquidity required extensive vetting of transaction data that was provided by the New York Stock Exchange. When I worked in the treasury department of a Fortune 500 company, I had to review and assimilate large amounts of data about a $200+ million derivative instrument portfolio in order to make recommendations about hedging strategies and risk monitoring technology functions. When I now serve as an expert witness on financial litigation matters, I spend copious amounts of time with relevant data to first understand what it means and then evaluate what could have been done differently to avoid losses. Data analysis is an important component of estimating economic damages that a judge or arbitration panel will review for settlement or award purposes.
Making decisions based on numbers alone is not the way the business world works. There are qualitative and quantitative risks that cannot be ignored but, of course, decisions and data do need to be aligned.
3. Everyone is a Risk Manager
There is no sector of the investment management industry that is immune from risk management. Due diligence meetings increasingly focus on what asset managers, banks and other service providers are doing to manage their risks. Pension committee members are being asked to account for how they select managers and investments with more details about prudent process. Donors are reluctant to give money to non-profits without assurances that risks are under control. Auditors are tasked to ensure that models for hard-to-value instruments are regularly monitored for appropriateness. Board members and compliance officers are in the spotlight for their oversight of risk-taking and the extent to which investors are kept abreast about controls.
Risk management is an important means to an end. It is in everyone’s best interest to identify, measure, manage and monitor risks. Otherwise, it comes down to being lucky or not. Try explaining whim to investors, shareholders, taxpayers, litigators and/or regulators.
In addition to a plethora of articles about risk management and valuation, Susan Mangiero, PhD, CFA, FRM is the author of Risk Management for Pensions, Endowments and Foundations. She is busy at work on a new book about investment risk governance. Mangiero is the architect behind an award-winning, syndicated blog found at www.pensionriskmatters.com. A second blog found at www.goodriskgovernancepays.com focuses more broadly on investment risk governance for all types of institutional investors and their advisors and attorneys.
Source: http://feeds.lexblog.com/~r/PensionRiskMatters/~3/Ug6icgyRtL4/
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Tuesday, 29 May 2012
Benchmarking ? do you know where you stand?
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 results show that:
Source: http://nhslocal.nhs.uk/blogs/jeremy-syree/2011/08/benchmarking-%E2%80%93-do-you-know-where-you-stand
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Web links for 28th May 2012
Beecroft report was inspired by ‘hopeless’ HR director, [...] Source: http://touchstoneblog.org.uk/2012/05/web-links-for-28th-may-2012/ pensions calculator ill health retirement the pension service pension release annuity
Source: http://www.statepensionforecast.info/web-links-for-28th-may-2012/
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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 & … Continue reading
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Room for manoeuvre in government policy on NEST and auto-enrolment?
On Friday the government published its response to [...] Source: http://touchstoneblog.org.uk/2012/05/room-for-manoeuvre-in-government-policy-on-nest-and-auto-enrolment/ pensions calculator ill health retirement the pension service pension release annuity
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Risk Questionnaires are no substitute for intuition
I had an experience on Monday that re-iterated the lack of absolutes in financial planning…and possibly life in general. Source: http://www.lse.co.uk/blogs/expert/resident-ifa-blog/lw47cr/ annuity inheritance tax pension calculator nhs pension pension forecast
Source: http://www.can-i-retire.info/risk-questionnaires-are-no-substitute-for-intuition-5/
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Disclosure (Cheap as chips Pt.2)
The case I mentioned in ‘Cheap as chips!’ two days ago has already been accepted. Source: http://www.lse.co.uk/blogs/expert/resident-ifa-blog/42foep/ retirement age uk retirement calculator annuity calculator pensions advisory service can i retire
Source: http://www.annuitycomparison.info/disclosure-cheap-as-chips-pt-2-4/
Win an Apple iPad
Inter Payroll are giving away an Apple iPad. Enter for your chance to win!
Similar Posts
Source: http://www.interpayroll.co.uk/blog/news/win-an-apple-ipad.html
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How S.S.A.S. can help extract cash from your property with tax relief
A Pension Practitioner.Com S.S.A.S. can help you cut tax and extract cash from your property without a remortgage whilst getting tax relief.
After regulated advice you transfer your old pension into your SSAS, account. Your scheme then purchases equity in the property (Subject to independent valuation.). This releases cash to you. A further [...]
After regulated advice you transfer your old pension into your SSAS, account. Your scheme then purchases equity in the property (Subject to independent valuation.). This releases cash to you. A further [...]
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Good intentions?
I?m working to the assumption that the readers of this Blog will be ?clued-up?, and so enjoy an ongoing relationship with an Independent Financial Adviser (IFA). Source: http://www.lse.co.uk/blogs/expert/resident-ifa-blog/idqodi/ state pension forecast uk state pension pension lump sum pension transfer retirement … Continue reading
Source: http://www.iiht.info/good-intentions-10/
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Monday, 28 May 2012
Where?s your winter retreat?
With summer coming to a close, where are you going to be jetsetting off to this winter to get away from what is already being named a “brutal” winter??? With snow forecast as early as next month (October) I can … Continue reading
Source: http://www.annuitycalculatoruk.info/wheres-your-winter-retreat-7/
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Are we managing our children?s financial expectations?
According to a recent RBS Survey, 59% of parents believe their children will be financially worse off than them in the future On average children believe they will earn �56,000 aged 35 ? twice the average wage Only 5% of … Continue reading 
Source: http://henrytapper.com/2012/05/23/are-we-managing-our-childrens-financial-expectations/
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Annuity : 1040a Tax Form
Mandy asks? Financial aid form help.. parents income tax? In 1040A tax form which line tells you the parents income tax? or where does it tell you? Sheila Fogart answers: Tootsie: If you are working with the FAFSA, just read … Continue reading
Source: http://www.annuitycalculatoruk.info/annuity-1040a-tax-form/
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Reading Jelf Employment Seminar: Book now!
• Facebook • Twitter • Delicious • Digg • StumbleUpon • Add to favorites • Email • RSS Building on the massive popularity of our London events, the Jelf Employment Seminars are now taking to the road for the Summer! As usual will be fielding our range of expert educators, speaking on important topics of true relevance to … Continue reading
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Would Hunt?s decisions have passed the Competition Commission test?
In the light of what we learned yesterday about Jeremy Hunt’s strong views that the News Corp bid for BSkyB should go ahead, it is interesting to read these guidelines from the Competition Commission on the standards to which their … Continue reading
Source: http://www.pensiontransferuk.info/would-hunts-decisions-have-passed-the-competition-commission-test/
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Verify your Motivations before You Choose Pension Release
Generally, UK pension holders contribute to their personal pension fund or old Company pension fund for the main purpose of having lump sum cash or income when they finally retire. Whilst this may be the primary purpose of pension funds, UK pension holders may find the need to draw from their pension before their retirement [...]
Source: http://www.pensionrelease.org/verify-your-motivations-before-you-choose-pension-release/
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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/
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The moon: look but don?t touch, says Nasa
The space agency issues guidelines to safeguard the heritage of lunar exploration, but can it really expect full compliance? It is, in its way, a giant leap for mankind: Nasa has just issued guidelines for the treatment and protection of … Continue reading
Source: http://www.pensions-advisory-service.info/the-moon-look-but-dont-touch-says-nasa/
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The government?s unimpressive job creation record
At Prime Minister?s Questions today (watch here from [...] Source: http://touchstoneblog.org.uk/2012/05/the-government%e2%80%99s-unimpressive-job-creation-record/ ill health retirement the pension service pension release annuity inheritance tax Source: http://www.pension-calculator.info/the-governments-unimpressive-job-creation-record/ pension calculator nhs pension pension forecast pensions uk iht Source: http://www.iiht.info/the-governments-unimpressive-job-creation-record/ annuity
Source: http://www.retirementcalculatoruk.info/the-governments-unimpressive-job-creation-record-2/
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Income Replacement Insurance (PHI)
Today, I could be mostly stating the obvious! (Credit to The Fast Show)
Source: http://www.lse.co.uk/blogs/expert/resident-ifa-blog/2hvohd/
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Sunday, 27 May 2012
New world heritage site ? Barbados
As news surfaces of Bridgetown being named a world heritage site by UNESCO. What does this mean for Property owners in the country and future investors in Barbados Property? There are many factors which affect property prices in the Caribbean and Barbados in particular. Barbados has a more established economy than many of its Caribbean [...]
Source: http://www.freshinvest.co.uk/blog/overseas-property-investment/world-heritage-site-barbados/
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BoE Agents? Report suggests unemployment due to rise
Today’s summary of the reports from the Bank [...]
Source: http://touchstoneblog.org.uk/2012/05/boe-agents-report-suggests-unemployment-due-to-rise/
Factcheck: Nursing numbers ? who?s lying?
“He’s also right that overall clinical staff levels have risen…but only if you choose your time frame carefully.” Source: http://blogs.channel4.com/factcheck/factcheck-nursing-numbers-whos-lying/10571 iht annuity rates stakeholder pensions uk retirement drawdown
Source: http://www.pensionlumpsum.info/factcheck-nursing-numbers-whos-lying-3/
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Fuel poverty numbers falling!
Well, that?s not a headline you expected to read. But that is the official story, as charted in the 2012 Annual Report on Fuel Poverty Statistics, published this week (17 May). The number of households in fuel poverty in England … Continue reading 
Source: http://feedproxy.google.com/~r/AgeUkBlog/~3/9j1EhLE6pXI/
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Pension scheme trustees ? when to challenge the employer
One of the difficult questions we get asked is – how far do trustees have to go in checking how employers exercise their powers under pension scheme’s rules?� Normally trustees can accept what the employer says at face value ? and indeed many schemes’ rules tell them to do just that.� They routinely do it [...]
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Work Based Pension Schemes Likely To Be Affected by New Regulations
Work based pension schemes are likely to be affected by new regulations coming in effect from 2012 according to UK’s No.1 SSAS provider Pension Practitioner. Com.
Pension experts and SSAS administrators have predicted that employers are likely to be affected by the new regulations coming in effect from 2012 to provide certain members of your workforce [...]
Pension experts and SSAS administrators have predicted that employers are likely to be affected by the new regulations coming in effect from 2012 to provide certain members of your workforce [...]
Source: http://www.pensionpractitioner.com/blog/work-based-pension-schemes-affected-by-new-regulations/89/
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It?s just business. Is that the extent of our foreign policy?
Foreign Secretary William Hague spoke to the CBI [...] Source: http://touchstoneblog.org.uk/2012/05/its-just-business-is-that-the-extent-of-our-foreign-policy/ house stamp duty uk what is stamp duty what is the stamp duty stamp duty stamp duty tax
Source: http://www.newstakeholderpensions.info/its-just-business-is-that-the-extent-of-our-foreign-policy/
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Why positive discrimination is irreversible
There are lots of good arguments against positive discrimination, be it through female quotas for company boards, quota systems in political institutions, affirmative action or otherwise. For a start, it is difficult to find any institution that exactly replicates the … Continue reading
Source: http://www.uk-retirement.info/why-positive-discrimination-is-irreversible/
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FTSE350 High Yield
There has been a lot of conjecture recently around what better approaches to take during the recent market volatility. Source: http://www.lse.co.uk/blogs/expert/resident-ifa-blog/11406t/ company pension Source: http://www.can-i-retire.info/ftse350-high-yield-8/ face facebook login face book a dating site for dating sites on dating sites Source: … Continue reading
Source: http://www.the-pension-service.info/ftse350-high-yield-12/
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Saturday, 26 May 2012
Annuity : Loan Unsecured Bad Credit
Steven asks? Unsecured bad credit personal loan? How and where to contact an honest, reputable, private individual NOT a bank, as soon as possible, to secure a loan to repay with interest. Prompt response is appreciated. Thank you in advance … Continue reading
Source: http://www.annuitycalculatoruk.info/annuity-loan-unsecured-bad-credit/
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Employee Benefits Workshop: Bookings now being taken
• Facebook • Twitter • Delicious • Digg • StumbleUpon • Add to favorites • Email • RSS As promised at our recent London events, I am running a free workshop on current Employee Benefit issues�(including cost savings). Below are … Continue reading
Source: http://www.annuityratesuk.info/employee-benefits-workshop-bookings-now-being-taken-4/
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Win an Apple iPad
Inter Payroll are giving away an Apple iPad. Enter for your chance to win!
Similar Posts
Source: http://www.interpayroll.co.uk/blog/news/win-an-apple-ipad.html
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Early Pension Release
An early pension release is simply a term that is used for taking advantage of the benefits from your pension prior to you retiring. With a pension release you can get access to the maximum tax free cash and/or maximum … Continue reading
Source: http://www.annuitycomparison.info/early-pension-release-11/
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Lets Keep It Civil
Avid readers of Professional Pensions may have seen an ariticle in the 6th September edition regarding the case of Waddy v Foster Wheeler (yes, THAT Foster Wheeler – just can’t seem to keep out of the pension press can it??). … Continue reading
Source: http://www.annuityratesuk.info/lets-keep-it-civil-6/
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Bristol Jelf Employment Seminar: Book now!
• Facebook • Twitter • Delicious • Digg • StumbleUpon • Add to favorites • Email • RSS With a continual and increasing level of change to UK employment requirements, it is certainly a good time to stage another of … Continue reading
Source: http://www.pensionscalculator.info/bristol-jelf-employment-seminar-book-now-3/
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Why positive discrimination is irreversible
There are lots of good arguments against positive discrimination, be it through female quotas for company boards, quota systems in political institutions, affirmative action or otherwise. For a start, it is difficult to find any institution that exactly replicates the … Continue reading
Source: http://www.nhspension.info/why-positive-discrimination-is-irreversible/
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Fiduciary Duty to Hedge
Who would have thunk that a discussion about pension governance and risk management would keep audience members in their seats for nearly three hours? Yet that is what occurred on January 24, 2012 as a panel convened to discuss such … Continue reading
Source: http://www.nhspension.info/fiduciary-duty-to-hedge-6/
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Llana Beach Hotel and Spa ? Cape Verde
Llana Beach Hotel and Spa in Cape Verde is now nearing release as Dunas Beach Resort gets closer to becoming completely sold out and Tortuga Beach Resort strives on as a top class holiday destination in Cape Verde. Llana Beach … Continue reading
Source: http://www.ukstatepension.info/llana-beach-hotel-and-spa-cape-verde-18/
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FTSE350 High Yield
There has been a lot of conjecture recently around what better approaches to take during the recent market volatility. Source: http://www.lse.co.uk/blogs/expert/resident-ifa-blog/11406t/ company pension Source: http://www.can-i-retire.info/ftse350-high-yield-8/ face facebook login face book a dating site for dating sites on dating sites
Source: http://www.pensiontransferuk.info/ftse350-high-yield-13/
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Two years on ? time for the Government to think again
Today we learned that GDP actually fell by [...] Source: http://touchstoneblog.org.uk/2012/05/two-years-on-time-for-the-government-to-think-again/ ill health retirement the pension service pension release annuity inheritance tax
Source: http://www.pensions-advisory-service.info/two-years-on-time-for-the-government-to-think-again/
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Friday, 25 May 2012
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 [...]
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 [...]
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The time is now?
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.newstakeholderpensions.info/the-time-is-now-9/
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Annuity search
In one of the TV breaks tonight, a new Paul Whitehouse ad popped up. You know the ones – good characters, quite watchable…nicely funding his pension plan. Source: http://www.lse.co.uk/blogs/expert/resident-ifa-blog/m8mv5k/ benaughty be naught internet date online dating website facebok login
Source: http://www.nhspension.info/annuity-search-4/
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Seniors Get Fresh Start in The Best Exotic Marigold Hotel
Watching The Best Exotic Marigold Hotel movie for a second time in the last few weeks, I was struck anew by the import of its message that it is never too late to grab the brass ring. The story centers on a … Continue reading
Source: http://www.annuitycalculatoruk.info/seniors-get-fresh-start-in-the-best-exotic-marigold-hotel-3/
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FactCheck: The cost of the UK?s U-turn on aircraft carriers
Jim Murphy has challenged the government to “come clean” about how much its aircraft carrier u-turn has cost the taxpayer – which he’d heard could be as much as �250m. “This is an embarrassing shambles,” he said, after Defence Secretary … Continue reading
Source: http://www.pension-release-uk.info/factcheck-the-cost-of-the-uks-u-turn-on-aircraft-carriers/
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Annuity : In Credit Cards What Is Apr
John asks? Credit cards? APR What does it mean? What does it all mean I know it means interest rate but how much am i likely to be charged each month if I just paid the minimum payment on for … Continue reading
Source: http://www.pensionscalculator.info/annuity-in-credit-cards-what-is-apr/
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How to make perfect smoked mackerel p�t�
A delicious dinner in 10 minutes ? how can anyone not love the mackerel? I’m not sure that mackerel quite qualifies as underrated ? certainly we all bang on enough about its oily virtues, yet I’m not sure how many … Continue reading
Source: http://www.newstakeholderpensions.info/how-to-make-perfect-smoked-mackerel-pate/
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Lets Keep It Civil
Avid readers of Professional Pensions may have seen an ariticle in the 6th September edition regarding the case of Waddy v Foster Wheeler (yes, THAT Foster Wheeler – just can’t seem to keep out of the pension press can it??). I was asked to comment on the case just as I was rising from a [...]
Source: http://www.pensionlawyerblog.com/pensionlets-keep-it-civil
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Thursday, 24 May 2012
Patrick Cannon the leading tax barrister on Stamp ?
Source: http://taxadvicenetwork.blogspot.com/2011/05/are-stamp-duty-avoidance-schemes-worth.html?showComment=1323265628280#c4756179663085418717 what is stamp duty threshold threshold for stamp duty stamp duty on a house stamp duty on house stamp duty for house Source: http://www.retirementcalculatoruk.info/patrick-cannon-the-leading-tax-barrister-on-stamp-4/ retirement age uk retirement calculator annuity calculator pensions advisory service can i retire Source: … Continue reading
Source: http://www.pension-release-uk.info/patrick-cannon-the-leading-tax-barrister-on-stamp/
Pension Practitioner .com help property developers cut corporation tax when they purchase commercial property.
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 ensure that you are registered for tax relief. Your contributions may be structured [...]
They administer for you a small self administered scheme ( SSAS) and ensure that you are registered for tax relief. Your contributions may be structured [...]
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