Pensions

Pensions

Investing in personal pensions is a tax efficient way of saving for your retirement.

Learn about the different types of annuity and other kinds of pension and retirement income.

Our pension providers all offer private plans that could help your money go further when you retire.

Financial Planning Programs

Financial Planning Programs You may consider financial planning programs if you have an interest in helping people with their finances in terms of saving and maximizing their resources. There are Certified Financial Planner (CFP) certificate programs at numerous reputable institutions around the country and online, which you may choose from to pursue this career. You should consider, however, a few factors in order to be sure that the school you are attending is right for you and your future. The…

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Finding a Financial Adviser

Finding a Financial Adviser Seeking professional advice from a qualified financial advisor is often a shrewd move in getting the most out of your money. Yet many of us may be at a loss on what we should consider when choosing a financial advisor. Below are some of the key questions you might like to ask when making your decision: Does your chosen adviser specialize in the area that you would like advice on (mortgages, annuities, pensions etc)? Some advisers…

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Advancing Salary to Employees – No Easy Recourse for Employers If It's Not Paid Back

Advancing Salary to Employees – No Easy Recourse for Employers If It's Not Paid Back Employers often have employees approach them and request an advance of their unearned salary or use of paid vacation time before it accrues. Employers often deduct the money owed to them from the employee's paycheck if the employee leaves his / her employment, but is it legal? Under New York Labor Law §193, Employers are only allowed to make certain authorized deductions from an employee's…

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How Does the 2018 Federal Budget Affect You and Your Family?

How Does the 2018 Federal Budget Affect You and Your Family? If you sat down at 7:30 last night to watch the 2018 Federal Budget Announcement, you may have found yourself a little overwhelmed. With so many figures and areas of taxation to get your head around, we have sat down, dissected and summarised the answers to the question you may be asking – “What’s in it for me (and my family)?” Personal income tax The Treasurer announced plans for…

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Making Money Work

Making Money Work As I begin the journey of finishing my working career I look back at messages I have received through my lifetime about money and the idea of ​​saving money. Of course, as a young man I never wave much thought to saving. After all I was young and I had a lot of time to save. It was a plan built on wishes and fantasies. A plan whichaveave me all sorts of money to party and put…

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The Power of Thrift

The Power of Thrift "Thrift" comes from the verb "to thrive". To thrive means to flourish, grow vigorously, to gain in wealth or possessions, to progress towards or to realize a goal in spite of or because of circumstances … "(Mirriam-Webster dictionary) In other words, thrift is not so much as cutting down or not spending money. It's about being careful in your behavior so you can reach your goals, be happy, successful and prosperous and live your best life…

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How Layoffs of Employees Could Be Avoided – For Ever!

How Layoffs of Employees Could Be Avoided – For Ever! UBS has informed to cut 11,000 jobs, the day before Nissan reported to cut 20,000 jobs. We listen to this kind of news daily. Economists estimate that about 50 million jobs will be transferred worldwide because of the actual financial crisis. It means that the legions of employees will lose their jobs. This kind of conventional labor management causes misery for uncountable individuals and their families. No layoffs ever: 9…

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How Long Can You Collect Unemployment Insurance?

How Long Can You Collect Unemployment Insurance? If you have been separated from your job or have had your hours reduced through no fault of your own, you may be eligible to file an unemployment insurance claim. It's easy to find out if you qualify by going online to the unemployment division of the state where you worked. For example, if you worked in Florida, just go online and search for "Florida unemployment" and you'll find the state unemployment office…

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How Can Equity Release Help You Enjoy Your Retirement

How Can Equity Release Help You Enjoy Your Retirement As living costs rise, and the shortfall in adequate pension provision hits home for many now reaching their retirement, schemes that allow you to release the equity in your home are forecast to increase in popularity as many look towards the value in their homes to cover that shortfall. A growing number of pensioners as well as their children now consider Equity Release as a logical consideration for those wondering how…

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Concessions to Start-Ups Regarding Labor Laws in India

Concessions to Start-Ups Regarding Labor Laws in India In order to promote the Start-Up ecosystem in the country and incentivizing the entrepreneurs in setting up new start-up ventures and thus catalyze the creation of employment opportunities through them, the Ministry of Labor & Employment has issued an advisory to the States / UTs / Central Labor Enforcement Agencies for a compliance rule based on self-certification and regulating the inspections under various Labor Laws. It has been suggested that if such…

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