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Pension decisions?
I currently contribute 5% salary into an Legal and General stake holder pension scheme, my employer contributes 10% for me. However my wife who is not working no longer contributes to her stakeholder pension. The question is should we pay into hers or pay more into mine??? Whilst she was working we contributed £100/month.…
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State Pension shortfall of 6 qualifying years
My wife has only paid NI contributions for 33 years so she will only get 85% of the total state pension when she retires in 2009. If she takes the pension, and continues paying NI contributions after her retirement date, and untill I retire (5 years) will her entitlement increase? or. In 2010 when the qualifiying number…
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National Insurance Rebate
Can anyone tell me anything about this: http://www.nirebateonline.com Someone at work just sent it to me - seems a bit dodgy, but if i can get extra money into my pension i'm game!
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Bank mess up
I need advice in March 2008 we contacted RBOS to arrange an annuity using 3 pensions we have it was supposed to start in June 2008. They have messed up over and over again and admit they have made mistakes and said they will look to put things right. The problem has been made worse because of the problems which happened…
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old pension
hi everybody. i used to work for a company which had a private pension scheme then they went public so the pension was frozen it stands at £4620.25 i am now over 50 so what can i do with it can i cash it
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Pension opt out
We are feeling the credit crunch at the moment along with everyone else. We are both freelance and we are currently unemployed with no work it would seem until April/May. Obviously we do have savings but they are getting low and we are currently looking for work outside our fields. I have a pension worth around £13k and…
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My pension provider is planning to award over £800 to an IFA who mis-sold my pension
Hope this is in the correct area - first timer! I have receieved a statement from my pension provider which details nearly £900 will be awarded to the IFA who encouraged our choice of provider many years ago. This payment will be - and I quote "1% of the sum re-invested to purchase benefits" and "for advice given" The…
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In Pension for 10 Months. Can I claim a refund?
Hi I joined the company pension for whom I was working for in January 2003 and left the companies employment in October 2003. Someone at work today told me that, as I was paying in to this pension for less than two years I can claim this money back. Can someone tell me if this is true? Also this pension has been incresaing…
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financial advisor
Husband worked in Norway for 4 years was told he was 3 months short of being eligible for a pension there? Not sure if he was told the right thing and what the laws are there but seems abit harsh. I am not sure if he even contributed to a pension of any sort at that time. He has windsor life pension plans and a plan from…
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Possible change of job and new pension
Hello all Forgive my ignorance, but as clued up on money matters as I am, pensions is not one of the things I know anything about as I currently don't have one (several properties on a long term basis is my way forward, may not be the best solution anymore, but that's not what this is about) So, the situation is this. I…
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Funeral Nightmare
My father recently passed away and as next of kin i have been organising the funeral and other arrangements. Unfortunately we had a major problem in that a funeral director has been and collected the body today without permission which i am infuriated about wand want to know if theres anything i can do about it. On the day…
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Funeral Nightmare
My father recently passed away and as next of kin i have been organising the funeral and other arrangements. Unfortunately we had a major problem in that a funeral director has been and collected the body today without permission which i am infuriated about and want to know if theres anything i can do about it. On the day…
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Pension ex gratia payment
Good evening Could anyone be so kind as to give me some advice? My father recently passed away, leaving nothing of any real value, except a small pension. Upon reviewing the paperwork I discovered he was mis sold the pension and the company has agreed to make an ex gratia payment for the error that was made. Now my…
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Opted out of SERPS but no private pension for last 18 years
Hi all, I opted out of SERPS waaaaaay back in 1990 and into a private pension, but had to halt that come 1992/93 with the arrival of children etc. I never resumed the pension plan (assets are locked in but don't amount to much), so what happens to the remaining amount that the government would have been contributing to my…
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Transferring pension
Has anyone ever transferred a pension from a frozen (x occupational) final salary scheme to a private (SIPP) pension. What sort of questions should I ask about the transfer. Presumably the trustees will make it clear what the current value and transfer charges are. I will probably get IFA advice on this but like to know…
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pension plan investment options help
i am due to start a new job (lucky i know) with a pension plan that will pay 8% of my monthy wages into my pot. i have the option of a freestyle plan that lets me invest into seperate funds supplied by BGI GLOBAL EQUITY. CORPORATE BONDS CASH UK EQUITY OVER 5 YEAR INDEX FUND sorry for shouting;) their is also a Prudential…
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Pension Platform - Transact One - Any Experiences?
I recently went to see an IFA and he mentioned the use of pension platforms. He demo'd Transact One to me which I liked the look of. However, I was wondering if anyone had any experience of this product or similar products as I'm quite interested in going down this route. Thanks in anticipation
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Pensioner helping kids with mortgage?
Hello, I'm a BBC journalist researching a piece about people who are coming up to retirement age or who are already retired, suffering from the triple whammy of a reduced pension because of the economic downturn, having to help their children to buy their own home, and whose own home is now worth less.... Is that you? If…
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NHS pension refund
Hi to everybody. I worked from 01.09.06 - 31.08.08 for the NHS. Per definition it is said that if you worked less than two years you are entitled to claim a refund of contributions. In my case it was exactly a two years contract. Is it worth to claim for it? regards
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Standar Life////scottish Amicable???
Is there something going on wiotha take over/ payout for scottish amicable or standard life if yu hold a pension with either of these ..... can anyone help me please ????
