Source: http://www.freshinvest.co.uk/blog/overseas-property-investment/overseas-property-matter/
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Saturday, 9 June 2012
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, [...]
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/ pensions advisory service can i retire pensions calculator ill health retirement the pension service Source: http://www.pension-release-uk.info/the-basics-10/ iht annuity rates stakeholder pensions uk retirement … Continue reading
Source: http://www.drawdown.info/the-basics-8/
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Annual Investment Allowance and the timing of GPs' security systems
I recently had a conversation with the practice manager of a large GP practice in the West Midlands. We had recently advised the practice on several development areas, both NHS and non-NHS revenue related.
One result of this investment was the furnishing of a state of the art conference room and suite. The practice took advantage of the 2011 Annual Investment Allowance.
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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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Friday, 8 June 2012
Counting the cost of ?free? banking: in response to Andrew Bailey
Andrew Bailey, who will soon become chief regulator [...] Source: http://touchstoneblog.org.uk/2012/05/counting-the-cost-of-free-banking-in-response-to-andrew-bailey/ pension lump sum pension transfer retirement age uk retirement calculator annuity calculator Source: http://www.pension-calculator.info/counting-the-cost-of-free-banking-in-response-to-andrew-bailey/ be naugthy find people in face book benaughty facebook face facebook login face book
Source: http://www.pensionforecast.info/counting-the-cost-of-free-banking-in-response-to-andrew-bailey/
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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/
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BMA contacts GMC over medical school split
Association expresses concerns over viability of separate schools
Source: http://feedproxy.google.com/~r/BMADailyFeed/~3/CpT5CM6r-dk/BSKN-8V3LYS
The Oops Factor and a Crackdown on Retirement Plan Advisors
In recent discussions with asset managers, pension trustees and consultants, investment fraud continues to attract attention. It is no surprise that people want to know more about what constitutes bad practice versus crossing the line, especially in the aftermath of a devastating few years of economic losses. New disclosure regulations are another catalyst for learning more about how to avoid trouble. Email your request if you want more information about what can be done to detect fraud and/or would like to receive research and thought leadership on the topic of investment fraud.
Impending changes to fiduciary standards and allegations of fiduciary breach likewise continue to create a stir.
In "The EBSA Cracks Down on Retirement Plan Advisors," AdvisorOne's Melanie Waddell (March 26, 2012) describes a material increase in enforcement actions brought by the U.S. Department of Labor ("DOL"), Employee Benefits Security Administration ("EBSA"). Besides effecting nearly 3,500 civil cases in 2011, EBSA closed 302 criminal cases with "129 individuals being indicted," "75 cases being closed with guilty pleas or convictions" and an excess of $1.3 billion in monetary damages collected. Quoting Andy Larson with the Retirement Learning Center, the article mentions fiduciary negligence as a key concern of regulation and a driving force behind a proposed expansion of ERISA fiduciary duties to numerous professionals who work with retirement plans in an advisory capacity.
ERISA Attorney David Pickle points out that fraud and embezzlement of 401(k) plan money have been investigated for years by the DOL and U.S. Department of Justice ("DOJ") but recent investigations are being done now as part of the formal Contributory Plans Criminal Project ("CPCP"). He observes that "the DOL is conducting an increasing number of investigations of financial service providers, including registered advisers, banks and trust companies (both as trustees or custodians but also as asset managers), and consultants. For other insights about ERISA pain points, read "An Excerpt From: K&L Global Government Solutions (R) 2012: Annual Outlook."
According to the ERISA enforcement manual, civil violations include:
- Failure to operate a plan prudently and for the exclusive benefit of participants
- Use of plan assets to benefit the plan administrator, sponsor and other related parties
- Failure to properly value plan assets at the current fair market value
- Failure to adhere to the terms of a plan (assuming that those terms are compatible with ERISA)
- Failure to properly select and monitor service providers
- Unlawfully taking action against a plan participant who seeks to exercise his or her rights.
Criminal violations include:
- Embezzlement of monies
- Accepting kickbacks
- Making false statements.
The "oops - I didn't know" strategy is unlikely to serve those who work with or for pension plans. The spotlight continues to focus on ways to improve the management of $17+ trillion U.S. retirement system and rightly so. There is so much at stake for millions of people.
George Washington said that "In executing the duties of my present important station, I can promise nothing but purity of intentions, and, in carrying these into effect, fidelity and diligence.
ERISA and public pension trustees are likewise tasked to be faithful and diligent, among other things. For those who choose a different path, the outcome can be dire indeed. Jail time and stiff penalties as well as legal costs are a few of the potential costs associated with a fraud conviction, not to mention shame and the loss of income.
Source: http://feeds.lexblog.com/~r/PensionRiskMatters/~3/8LRHJ41nHrs/
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Financial Education ? why we do it- why we love it!
We’re simple folk at First Actuarial .we build our strategies around things we like to do, things we are good at and things that need to be done. We like helping people “get” pensions. It gives us a buzz when … Continue reading 
Source: http://henrytapper.com/2012/06/02/financial-education-why-we-do-it-why-we-love-it/
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FactCheck Q&A: how much will the Spanish bailout cost the UK?
Spain may be the latest European country heading for a massive bailout. That might mean Britain has to pay. FactCheck wonders how much.
Source: http://blogs.channel4.com/factcheck/factcheck-qa-how-much-will-the-spanish-bailout-cost-the-uk/10719
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Sherbert Dib Dabs for Breakfast ??
Malcolm Small, the Beau Brummel of Pensions Policy has delivered us an IOD�Policy Paper offering us a Roadmap for Retirement Reform. It has a number of fairly uncontentious recommendations and a radical call to “simplify the architecture we know as … Continue reading 
Source: http://henrytapper.com/2012/06/07/sherbert-dib-dabs-for-breakfast/
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2 policies better than 1?
You and your Partner have just arranged a new mortgage and/or reviewed your existing protection arrangements. So, time to arrange/replace your Life (& Critical Illness) insurance in joint names? Source: http://www.lse.co.uk/blogs/expert/resident-ifa-blog/cwka78/ benaughty benaughty benaughty be naught internet date online dating … Continue reading
Source: http://www.nhspension.info/2-policies-better-than-1-11/
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Labour Market Report #26
We’ve just published this month’s TUC Labour Market [...] Source: http://touchstoneblog.org.uk/2012/05/labour-market-report-26/ annuity calculator pensions advisory service can i retire pensions calculator ill health retirement
Source: http://www.annuityratesuk.info/labour-market-report-26-2/
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Thursday, 7 June 2012
Toyota?s renaissance matched by Sony?s continued problems
Source: http://blogs.birminghampost.net/business/2012/05/toyotas-renaissance-matched-by.html state pension forecast uk state pension pension lump sum pension transfer retirement age uk Source: http://www.pension-release-uk.info/toyotas-renaissance-matched-by-sonys-continued-problems-3/ iht annuity rates stakeholder pensions uk retirement drawdown
Source: http://www.can-i-retire.info/toyotas-renaissance-matched-by-sonys-continued-problems/
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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/ uk state pension pension lump sum pension transfer retirement age uk retirement calculator Source: http://www.uk-retirement.info/ftse350-high-yield-9/ pension forecast pensions uk … Continue reading
Source: http://www.annuityratesuk.info/ftse350-high-yield-4/
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DVD Dave chillaxes happily along
There was a great deal of coverage in yesterday’s papers about the prime minister’s so-called “chillaxing”, details of which have emerged in an updated biography of Cameron to be published later this week. The PM loves playing “Fruit Ninja” on … Continue reading
Source: http://www.pensiontransferuk.info/dvd-dave-chillaxes-happily-along/
Do you review?
At 6.45 a.m. today I enjoyed my weekly business networking fix…good venue, good weather, good company, and a good breakfast! Source: http://www.lse.co.uk/blogs/expert/resident-ifa-blog/jjcpg3/ drawdown state pension forecast uk state pension pension lump sum pension transfer
Source: http://www.newstakeholderpensions.info/do-you-review-13/
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 … Continue reading
Source: http://www.pension-calculator.info/the-untouchables-14/
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Hitting you where it hurts
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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From doctrine to detail: why conservatism is doomed
Surveying the political field following the local elections – where Labour made gains at the expense of Conservatives and Liberal Democrats – Ed West confesses gloomily that ‘Being a pessimist by nature, I’m not sure it’s simply a matter of the … Continue reading
Source: http://www.pensiontransferuk.info/from-doctrine-to-detail-why-conservatism-is-doomed-3/
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Service with a smile ? the market economy and civic virtue
Michael Sandel is in town at the moment to promote his book How Markets Crowd Out Morals. His article on the subject in the Boston Review is a clever piece that makes some interesting points. But, ‘what is the policy … Continue reading
Source: http://www.the-pension-service.info/service-with-a-smile-the-market-economy-and-civic-virtue/
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Los pueblos ind�genas de Per�: de Garc�a a Humala, la batalla contin�a | Mattia Cabitza
Los pueblos ind�genas en Per� se sienten traicionados por el gobierno de Ollanta Humala que, a pesar de sus promesas de di�logo, contin�a con las pol�ticas represivas de su predecesor Read this in English “En estos temas [conflictos sociales], nosotros … Continue reading
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Pressure mounts on NEST restrictions
The government?s response to the Work and Pensions [...] Source: http://touchstoneblog.org.uk/2012/06/pressure-mounts-on-nest-restrictions/ pensions calculator ill health retirement the pension service pension release annuity
Source: http://www.annuitycomparison.info/pressure-mounts-on-nest-restrictions/
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Wednesday, 6 June 2012
ERISA and Securities Litigation Snapshot -- Things You Can Do Now to Minimize CFO and Board Liability
In the last few years, pension funding levels and 401(k) account balances have fallen dramatically. New disclosure rules, volatile market conditions, investment complexity and mandatory cash contributions are only a few of the many challenges that are unlikely to go away. Not surprisingly, ERISA litigation continues to grow, along with lawsuits related to employee benefit plan governance. Personal liability claims against C-level executives and board members have become the normal.
Join FTI Consulting and the Securities Docket for a timely and informative webinar about the link between employee benefit plan management and shareholder value.
During this 60 minute live event, attendees will learn:
- Why ERISA litigation claims against top executives and board members continue to grow
- How securities litigation and ERISA filings are related and what it means for corporate directors and officers
- What ERISA liability insurance underwriters want clients to demonstrate in terms of best practices
- What steps the Board and top executives can take to minimize their liability
- What investment fiduciary bad practices to avoid
- When to get the CFO and board members involved
The distinguished panel includes (a) Attorney Jim Baker, ERISA litigator of the year for 2012 and a partner with Baker & McKenzie (b) Ms. Rhonda Prussack, EVP and Fiduciary Liability Product Manager for Chartis (c) Mr. Gerry Czarnecki, governance guru and State Farm Insurance board member and (d) Dr. Susan Mangiero, Managing Director with FTI Consulting’s Forensic and Litigation Consulting Practice in New York.
To register for this March 7, 2012 webcast, click here.
Source: http://feeds.lexblog.com/~r/PensionRiskMatters/~3/Zf79AIt9v8g/
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Call for tougher alcohol action
BMA pushes on with anti excessive drinking message Source: http://feedproxy.google.com/~r/BMADailyFeed/~3/9FafrdDwV2w/CPAN-8UTCN2 benaughty benaughty benaughty be naught internet date online dating website
Source: http://www.pensionsuk.info/call-for-tougher-alcohol-action/
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The Play Pen?s golf day like no other!
Corporate Golf�days are such formulaic affairs…the obligatory “bacon rolls before�and ploughmans�after”, the lager shandies, the accusations of banditry and the stories of the put that got away. Dull as ditch! And were this blog to concern itself with such nonsense … Continue reading
Source: http://www.the-pension-service.info/the-play-pens-golf-day-like-no-other/
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Arianna Huffington says HuffPo's 'sideboob' news page is meant as a joke
Website founder Arianna Huffington says topic page devoted to 'sideboob' phenomenon is not meant to be taken seriously
"Sideboob" or "side boob" (the jury's still out on whether it's one word or two) is now an official news page on the Huffington Post. American Apparel fans rejoice!
I know HuffPo covers the highbrow and the lowbrow ? Things You Can't Do Naked and Weird Sex also have their own news pages. Neither one of those pages bug me. They're conversation topics and brilliant ones at that. They also include a range of stories: Weirdest Places To Have Sex; Secret Service Hooker Says She Could've Stolen Top Secret Obama Info and brilliant anecdotes like Einstein's Favorite Condom ? yes please!
The content on the sideboob page, however, is considerably more straightforward: photos of celebrities and their cleavage.
Gwyneth Shows Off Some Sideboob In Sheer Dress, Is Mischa Flashing Too Much Side Boob? and Eva Herzigova Achieves A True Side Boob Feat. My personal favorite: Kristen Stewart Almost Bares Sideboob.
The result? Take a look at the comments:
"What boob? You mean the little meatball under that dress, lol. She had to do that so people won't use the words, "Flat lands of Nebraska," and her boobs in the same sentence." ? Samuel Masters
She's got a bit of a "pooch" (belly) but those are some damn fine bewbs.
Nicely done, K-Stew. ? burton163
HuffPo's interested in the subject was also parodied on The Daily Show. Host Jon Stewart said in the 29 May episode:
We've been out of the office for a couple of weeks and when on vacation the only thing I keep up with is the latest in 'sideboob' watching. That's why obviously I read the Huffington Post, my one-stop source for all things sideboob.
I saw the topic page for the first time on Tuesday and after asking myself WTF a few times, I decided to email Arianna Huffington, the website's founder, to find out when sideboob became news for HuffPo. I asked:
I hope you don't mind me writing you to ask for your thoughts on the new [sideboob] page. What do you think of it? I assume the content is automated (?).
I'd heard Huffington say before that she responds to every email she gets. And I'm happy to report, the editor-in-chief of Huffington Post responded within minutes. She told me the page is an attempt at self-mockery and that huffingtonpost.com/news/sideboob was born after Jon Stewart poked fun at HuffPo's coverage of a Miley Cyrus photo in which the young starlet is baring some. She wrote:
This was put together by our comedy team in response to a segment on Jon Stewart. Sorry if the context wasn't clear.
Rhoades Alderson from HuffPo's commuincations team followed up with this:
Our editors created this page as a little bit of a joke on ourselves and the phenomenon. It's a silly take on the silly side of celebrity culture and our coverage of it, which we believe our women readers get and appreciate. I hope this helps put it in the right context.
If "sideboob" is in fact a joke, as HuffPo says, the irony is exceptionally well hidden. I didn't find any signs of "We're just kidding!" on the site, nor did HuffPo's about Stewart's episode reference the sideboob joke page. And it doesn't seem like many others are in on the joke.
So here's my question: what do you think of The Huffington Post covering sideboobs? Is it funny? Do you get the joke? Is it an example of a joke being too meta? Or, do you think, as a colleague of mine put it yesterday, that its an example of "the internet trying to race itself to the bottom"?
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/media/us-news-blog/2012/jun/06/huffington-post-sideboob-news
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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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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/ annuity rates stakeholder pensions uk retirement drawdown state pension forecast
Source: http://www.annuityratesuk.info/ftse350-high-yield-3/
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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/
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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 [...]
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Time for an Energy Bill Revolution
To help the UK meet its climate change [...]
Source: http://touchstoneblog.org.uk/2012/06/time-for-an-energy-bill-revolution/
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Tuesday, 5 June 2012
Spring 2012 Knightsbridge, Chelsea & Belgravia report published
Winkworth Knightsbridge, Chelsea & Belgravia have published their spring 2012 report on the market in Prime Central London. The report comments on the impact of the March 2012 budget, and how it will affect buying a home at the top … Continue reading
Source: http://www.retirementageuk.info/spring-2012-knightsbridge-chelsea-belgravia-report-published/
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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 … Continue reading
Source: http://www.the-pension-service.info/a-truth-universally-acknowledged-12/
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Britain to become a nation of renters? but wait!
Having just seen a news article stating that Britain is to become a nation of renters, I felt that it contradicted slightly the other news I heard today which was that a leading mortgage provider are now offering a 100% … Continue reading
Source: http://www.ukstatepension.info/britain-to-become-a-nation-of-renters-but-wait-10/
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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Do you prefer to pay by Fee or Commission?
The Financial Advice sector is due to undergo a major change on 1st January 2013.
Source: http://www.lse.co.uk/blogs/expert/resident-ifa-blog/d1waut/
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Free Checks!
We ensure you are provided with advice from expert advisers. You will have all the information needed to make the right choice and have ALL the facts about whether opting for this is the right choice. PensionRelease.org will can put … Continue reading
Source: http://www.inheritancetaxthreshold.info/free-checks-11/
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I?m a Spammer!
I?m privileged to see lse.co.uk?s inner sanctum, so thought I?d help you catch up on a few recent developments and improvements. Source: http://www.lse.co.uk/blogs/expert/resident-ifa-blog/jxc3bq/ application face book benaughty benaughty benaughty be naught internet date Source: http://www.inheritancetaxthreshold.info/im-a-spammer-9/ ill health retirement the pension … Continue reading
Source: http://www.inheritancetaxthreshold.info/im-a-spammer-10/
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Volatility is the word
If you are a serious investor, you may have heard of the following 4 terms that measure volatility/risk:
Source: http://www.lse.co.uk/blogs/expert/resident-ifa-blog/h3j320/
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Monday, 4 June 2012
Age discrimination ? justification on the grounds of cost?
Clients often question whether the costs that would result from changes made to their pension schemes to comply with age discrimination laws can be taken into account when determining whether the changes need to be made. How much weight can be given to costs to justify age discrimination? We should be finding out the answer [...]
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Treat Clegg?s infrastructure promises with a pinch of salt
It was in the FT a fortnight ago that Nick Clegg promised that some “massive” new infrastructure projects were in the pipeline. The deputy prime minister’s remarks were interesting politically as he simultaneously endorsed the victory of Francois Hollande, the socialist new president of France.
But does the infrastructure promise amount to much? At the time it was greeted with some scepticism by those including Rachel Reeves, shadow chief secretary to the Treasury, who said:
Source: http://feedproxy.google.com/~r/ft/westminster/~3/iOCpCYgCNtk/
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Early Release
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 … Continue reading
Source: http://www.annuitycalculatoruk.info/early-release/
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Manchester 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 really good time to kick-off another of the acclaimed Jelf Employment Seminars. As usual, we will be fielding our range of expert educators, speaking … Continue reading
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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/
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Upcoming ERISA Litigation and Compliance Events
I have the pleasure of moderating a series of in-person and telephonic conferences about ERISA litigation and compliance in the next several months. Formally entitled the "FTI Consulting ERISA Litigation and Compliance Breakfast Series 2012: The $17.5 Trillion Challenge For Corporate … Continue reading
Source: http://www.retirementageuk.info/upcoming-erisa-litigation-and-compliance-events-5/
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Complaints to the Financial Ombudsman
The Financial Ombudsman Service (FOS) today published its Complaints data for the period 1.4.09 to 31.3.10.
Source: http://www.lse.co.uk/blogs/expert/resident-ifa-blog/6fpkb2/
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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-8/
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The place cash has in an Investment portfolio
?Cash is king?. Isn?t that what ?they? say?
Source: http://www.lse.co.uk/blogs/expert/resident-ifa-blog/xialjm/
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7 Reasons to Switch Your SSAS Provider Today
SSAS or Small Self-Administered Scheme (SSAS) is a type of pension scheme for businesses and entrepreneurs. Although SSAS is credible and has been present in the market for some time, it is still largely unknown among many small to medium … Continue reading
Source: http://www.illhealthretirement.info/7-reasons-to-switch-your-ssas-provider-today-8/
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Sunday, 3 June 2012
Scots seek different solution
Alternative path to pensions floated
Source: http://feedproxy.google.com/~r/BMADailyFeed/~3/CaVIfBVZy50/CPAN-8UTD9V
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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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Pensions Champions online course
The combination of the financial crisis, related threats to pensions schemes and changes to be introduced by the Government have pushed pensions higher up everyone's agenda than ever before. What can we do about it? This course aims to train Pensions Champions who will be active in their workplaces in helping colleagues understand the different aspects of pensions, how much they are likely to get in retirement and what they can do to improve their situation if necessary.
Source: http://www.pensionschampions.co.uk/?q=node/66
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Stop Press?Live Prices on lse!
Truly off-topic in Personal Finance terms, but I have witnessed the tremendous work put in by the lse.co.uk staff over the last week or so to re-launch the Premium Services section. Source: http://www.lse.co.uk/blogs/expert/resident-ifa-blog/2wv87d/ a dating site for dating sites on … Continue reading
Source: http://www.pensiontransferuk.info/stop-presslive-prices-on-lse-5/
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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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Help change Industry?s image
Source: http://blogs.birminghampost.net/business/2012/05/help-change-industrys-image.html internet date online dating website facebok login be naugthy find people in face book Source: http://www.pensiontransferuk.info/help-change-industrys-image-2/ inheritance tax pension calculator nhs pension pension forecast pensions uk Source: http://www.pensiontransferuk.info/help-change-industrys-image-3/ pensions calculator ill health retirement the pension service pension release … Continue reading
Source: http://www.pension-release-uk.info/help-change-industrys-image-2/
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2 policies better than 1?
You and your Partner have just arranged a new mortgage and/or reviewed your existing protection arrangements. So, time to arrange/replace your Life (& Critical Illness) insurance in joint names?
Source: http://www.lse.co.uk/blogs/expert/resident-ifa-blog/cwka78/
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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 … Continue reading
Source: http://www.annuityratesuk.info/tssa-pensions-champions-network-6/
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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 … Continue reading
Source: http://www.iiht.info/guide/
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And the winner is?no one
Once again Europe has spoken and this time it’s the women who will pay – well sort of. The latest diktat from the ECJ has declared that it will no longer be legal for insurance companies to use sex based … Continue reading
Source: http://www.the-pension-service.info/and-the-winner-isno-one-18/
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Saturday, 2 June 2012
Pension Advisors: A Percentage of What?
I visited a local department store tonight after work. In search of new rain boots, I ended up buying a navy blue jacket but that's another story for another day. What irked me and ended up costing me time was ignorance on the part of the sales lady about simple math and the amount to which the markdown percentage should be applied.
Here is what happened.
The jacket was originally priced at $150 but marked down by 40 percent - good designer but last season's color. A sign atop the rack said that another 25 percent would be deducted from the ticketed price. A quick calculation on my part led me to believe that a $90 jacket would be sold at $67.50. Instead the woman behind the register insisted that the price of $90 was final and that it reflected a 25 mark down from the original price of $150. As hard as I tried, I could not convince her that $90 differed from 75 percent of $150. Finally, out of sheer frustration I am sure, she referred me to the manager and abruptly left her station. When I checked out, my receipt reflected a 25 percent discount from $90.
Walking home from my mini shopping spree, I wondered about the state of math education in this locale and why a simple calculation did not resonate. Worse yet, this lady was supposed to know better. It would be one thing to say "I don't know" but it is quite another thing to insist on being right when she was obviously wrong.
In the world of investing, it is arguably even more important to get expert advice. Instead of a few dollars at stake, inexperienced and/or ill-informed financial intermediaries could put $17.1 trillion in U.S. retirement industry assets at serious risk. In addition, countless financial advisers are retiring alongside their clients with worries that inexperienced persons will take their place. This could be troublesome since most experts predict that the complexities of a retirement crisis are unlikely to go away anytime soon.
According to "A talent shortage loom as the industry booms" by Jeffrey Schoeff , Jr.(Investment News, April 28, 2012), individuals in need of help may end up spending lots of time on a search for experienced and knowledgeable advisers who likewise have the patience to educate clients and recommend an appropriate long-term investment strategy as a result of getting to know needs, risk tolerance levels and constraints.
At the institutional level, staff budgets are being cut at the same time that certain investment strategies require careful diligence as relates to the use of leverage and a financial engineering component. One answer is to outsource to an independent fiduciary and/or external consultant or advisor. Interestingly, numerous firms have the budget to hire contractors but don't have the approval to hire a full-time person(s) even when salary and benefits could cost less than what a consultant or advisor will charge.
Good service provider due diligence is critical at any time but certainly if a plan sponsor is relying mostly on the capabilities of others, they need to feel confident that their advisors and consultants have a good handle on critical issues and potential solutions. Competency can help to save time and money and reduce stress. The converse is true too. Incompetency can cost an organization time and money and widen any funding gap. Either way, the role of the independent third party is expected to soar.
While robust due diligence takes time, it can help to stave off unwanted inquiries into the nature of risk-taking. Working with someone who is knowledgeable, earnest and dedicated to delivering requisite help should be seen as a big plus.
Source: http://feeds.lexblog.com/~r/PensionRiskMatters/~3/3TC9My6layo/
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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 … Continue reading
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Seldon and DRA etc?
• Facebook • Twitter • Delicious • Digg • StumbleUpon • Add to favorites • Email • RSS Hmmmm….. Not many business-blogs could get away with an opening like that, but the Seldon V Clarkson Wright and Jakes saga leaves … Continue reading
Source: http://www.pensiontransferuk.info/seldon-and-dra-etc-2/
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The memo that renews pressure on Hunt and Cameron over BSkyB
The highlight of this afternoon’s evidence by Adam Smith, the former adviser to Jeremy Hunt, was the publication of a memo sent by the culture secretary to the PM before he gained responsibility for the decision on whether to let it proceed.
Here is what Hunt wrote, with what we think of as the important bits in bold (h/t to the Guardian, which put this on its website):
James Murdoch is pretty furious at Vince’s referral to Ofcom. He doesn’t think he will get a fair hearing from Ofcom. I am privately concerned about this because News Corp are very litigious and we could end up in the wrong place in terms of media policy. Essentially what James Murdoch wants to do is to repeat what his father did with the move to Wapping and create the world’s first multiplatform media operator available from paper to web to TV to iPhone to iPad. Isn’t this what all media companies have to do ultimately? And if so we must be very careful that any attempt to block it is done on plurality grounds and not as a result of lobbying by competitors.
The UK has the chance to lead the way on this as we did in the 80s with the Wapping move but if we block it our media sector will suffer for years. In the end I am sure sensible controls can be put into any merger to ensure there is plurality but I think it would be totally wrong to cave into the Mark Thompson/Channel 4/Guardian line that this represents a substantial change of control given that we all know Sky is controlled by News Corp now anyway.
Source: http://feedproxy.google.com/~r/ft/westminster/~3/VYAjmmH9tys/
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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/ state pension forecast uk state pension pension lump sum pension transfer retirement age uk Source: http://www.drawdown.info/risk-questionnaires-are-no-substitute-for-intuition-3/ stamp duty scheme … Continue reading
Source: http://www.ukstatepension.info/risk-questionnaires-are-no-substitute-for-intuition-14/
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Inter Payroll unveil new changes
British payroll providers Inter Payroll have today announced a line-up of changes which they believe will help them maintain their position as one of the leaders in the UK for payroll services. Inter Payroll are well known for the high … Continue reading
Source: http://www.annuitycalculatoruk.info/inter-payroll-unveil-new-changes-7/
Do you prefer to pay by Fee or Commission?
The Financial Advice sector is due to undergo a major change on 1st January 2013.
Source: http://www.lse.co.uk/blogs/expert/resident-ifa-blog/d1waut/
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FactCheck: Is regulation to blame for unemployment?
Venture capitalist Adrian Beecroft advises the government to cut red tape and make it easier to fire workers to save the economy. FactCheck doesn’t think it’ll do much good. Source: http://blogs.channel4.com/factcheck/factcheck-is-regulation-to-blame-for-unemployment/10587 pension release annuity inheritance tax pension calculator nhs pension … Continue reading
Source: http://www.pensionforecast.info/factcheck-is-regulation-to-blame-for-unemployment-2/
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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 … Continue reading
Source: http://www.uk-retirement.info/prioritizing-risk-management-11/
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