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Deferring and the 2015 State Pension Changes
Those of us reaching SPA at the end of 2015 will be praying that the proposed State Pension changes are implemented just before then. If it doesn't work out, does anyone know if choosing to defer the State Pension will allow us to be treated under the new regime proposed?
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I've added this to sticky too but....
Hopefully i will get a quicker response here.. Hi all, i have question (i hope hasn't already been asked) My Husband took out a pension when he first started employment (he's now 40) which he hasn't paid into since 1999/2000 ish. He only remembered about it when we were sorting through some very old files the other day.…
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Pension Combining
I currently have 3 separate pensions (othet than state) all of which are in Limbo as they relate to previous employment(s) and in January i start a new role (probably my last) which benefits from a Final Salary Scheme. I want to combine all existing into one to make management easier and whilst the 3 Funds will provide me…
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What is due from late mothers pension?
Sorry if a stupid question. I am currently attempting to deal with my late mothers estate and all the paperwork that goes with it. My question is: If someone has been receiving a pension from a private plan/pension does that mean they are no longer 'contributing' to the scheme? My mothers Private pension had a section that…
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Lost Pension - Opted out of SERPS 1988 - Midland Bank Penison Scheme
Hi I wonder if anyone could give me some advice. Background. I opted out of SERPS around 1988 (give or take a year) aged early 20's. I set up a pension scheme with the then Midland Bank. I moved house several times, married and never thought about it again. Now I am wondering where it is, or indeed if it still exists.…
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Dad Died, what is Mum entitled to?
Hi everyone, Apologies if this is posted in the wrong part of the forum. My Dad died on Saturday and I am starting to sort through Dads finances and help my Mum. Some things were in joint names, others such as his ISA and some savings were just in his name. He didn't have a will. How easy is it to transfer things into Mums…
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standard life mis-sold my annuity
Standard Life paid me £1200.36p instead of the agreed amount of £1236.00 and then said I had misunderstood the offer which is nonsense as I added £1236.00 to my lump sum and quoted the total amount to them more than once and each time they agreed with my figure I telephoned Standard Life to inform them that I wanted to opt…
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IFA charging structure and RDR
Question aimed mainly at IFAs or those familiar with their issues. As I understand it, post RDR IFAs will no longer be able to collect commission on certain new business. I can understand why a move to up front hourly charging might not suit some IFA customers. What I am less clear on is why this is the inevitable…
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ford radio code for free
Can anyone help with me with my ford focus 2002, radio lock code serial number is M180579
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Retail Distribution Review and Personal Pension Plan
I wonder whether how many other MSEers with NFU Mutual personal pension plans have received the letter dated October 2012 from NFUM stating that the current NFU With Profits Personal Pension Plan will close to new subscribers as from 31 Dec 12, and that existing subscribers will be limited to making regular payments at the…
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Financial Planners - what's the likely cost of the service?
Not sure if this is right place but hoping someone might have information on Financial Planners. My H and I have over the last few years extended ourselves financially, we are managing, just, but I know that should interest rates raise (when they do) life will get v tough. We are also in our 40's and we whilst he has a…
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Help thinking about my pension
Hello folks. I'm generally reasonably clued up for finances ... apart from pensions, where I haven't got a clue. Always paid into one since i've been working, but never knew what I was (or should be) aiming at. I've decided i've got to deal with that, but would very much appreciate some help getting started thinking about…
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Index linked fund/ should i change?
I hold an Index linked fund within my Friends Life pension. Approx £14k. Should i now take more risk in another fund over the next 8 years bearing in mined i also have: Balanced Managed fund Cautious Index fund Blackrock UK equity fund Is it now a good time for a Europe fund or Asia? I am paying in £150 pm at 25% x 4…
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State Pension for Widows
A friend aged 55 is terminally ill with cancer and has full NI contributions, as does his 51 year old wife. He will not be around to collect his State Pension, but does this mean his wife can receive additional benefits on account of her husband's contributions? Looking at various websites I believe she would qualify for…
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small pension
I have a small pension with Phoenix life worth about £13000.00. I am 63 and would want to cash the policy in, however it is under the £18000 threshold and they say that because I am in receipt of a police early retirement pension I can only have the 25% in cash. Does this pension count towards the £18000 threshold, can…
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Civil service "Partnership" pension question
Hello, I recently joined the civil service, and I have decided to go for the Partnership pension as opposed to Nuvos. I realise that this is not the received wisdom, but I went through the details on this forum a few weeks ago and I think it might work better for me:…
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New Stakeholder pension at 50.
My OH was made redundant in july from her job, she had a good company pension scheme and had put in 21 years. It was a 60th final salary scheme - final salary about 42K.(We are still in the process of trying to get it enhanced by appealing to the ombudsman). She has just started a new job(only 9 month contract but looking…
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Scottish Widows Civil Service AVC
Hi there, I just wonder if anyone has any advice please... I have a company pension, but felt I needed to top it up a little so in 2008 I joined the AVC scheme through Scottish Widows. I'm in the 40% tax bracket so it made sense to me to do this at the time, saving 40% tax now and then likely only paying 20% on my…
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Swapping local authorities, can I swap and is it worth it?
Hello, I currently work for a Council where the pension is administered by Leicestershire. I'm shortly swapping to another council that is in a different county. I received the pack concerning their pension scheme (which is the same terms etc as you probably know). Can I transfer my Leicestershire one? And is it worth…
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what age can you start an annuity?
im 27 can i start one ?
