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Forum: Public sector pensions 03-12-2010, 10:50 PM
Replies: 6
Views: 3,044
Posted By Anfear
If I can suggest, an objective comparison of PNS...

If I can suggest, an objective comparison of PNS v's AVC's, depending on what a particular individual wants from their retirement planning & their circumstances might be best advice for the...
Forum: Pensions 03-12-2010, 10:43 PM
Replies: 5
Views: 2,037
Posted By Anfear
Will depend on the rules of the Scheme, and...

Will depend on the rules of the Scheme, and generally I think also needs the permission of the employer. But normally people are unpleasantly surprised at how much lower the pension might be compared...
Forum: Pensions 03-12-2010, 10:34 PM
Replies: 5
Views: 2,983
Posted By Anfear
A pension adjustment order (court order) requires...

A pension adjustment order (court order) requires a judicial separation or divorce under pertinent family law legislation (1995 or 1996). If it's merely a separation agreement with no court order, no...
Forum: Pensions 03-12-2010, 10:31 PM
Replies: 5
Views: 1,347
Posted By Anfear
Please excuse me if this is a silly question, but...

Please excuse me if this is a silly question, but have you explored what advice is available from your company re options, and what are the credentials of the person providing the advice? It's an...
Forum: Investments 03-12-2010, 10:23 PM
Replies: 1
Views: 1,323
Posted By Anfear
Please excuse me if this is a silly question, but...

Please excuse me if this is a silly question, but safe to assume you have read / understand all the pertinent literature in detail as regards how the investment works, capital guarantees, etc? Then...
Forum: Investments 03-12-2010, 10:14 PM
Replies: 7
Views: 1,562
Posted By Anfear
I'm confused why anyone might feel any other bank...

I'm confused why anyone might feel any other bank would be safer than one of the Irish banks, up to the published guarantee limit, other than pure fear for the sake of fear, regardless of the facts??
Forum: Public sector pensions 12-10-2010, 06:02 AM
Replies: 2
Views: 1,897
Posted By Anfear
Many questions! a. the trustees are obliged to...

Many questions!
a. the trustees are obliged to look after all members fairly, but current pensioners always have priority in the event of problems with funding deficits.
b. I think we're all in...
Forum: Pensions 12-10-2010, 05:47 AM
Replies: 2
Views: 1,083
Posted By Anfear
Any income, including pensions, is subject to tax...

Any income, including pensions, is subject to tax under the PAYE regime (deducted at source), but how much you pay (if any) depends on where you are in the tax bands at the time. Impossible to...
Forum: Investments 12-10-2010, 05:37 AM
Replies: 5
Views: 1,217
Posted By Anfear
The financial section on yahoo.co.uk can chart...

The financial section on yahoo.co.uk can chart historic prices of major world equities & indicies. Otherwise speak to a reputable stockbroking firm - they can provide a lot of vital info for serious...
Forum: Pensions 06-09-2010, 10:25 PM
Replies: 5
Views: 2,050
Posted By Anfear
It would be interesting to know what the...

It would be interesting to know what the 'accountant' proposed as a better alternative, and what objective figures the 'accountant' had to back up his / her recommendation. Agree with Duke of...
Forum: Pensions 06-09-2010, 10:15 PM
Replies: 6
Views: 1,898
Posted By Anfear
Might be worth checking if the tax relief on...

Might be worth checking if the tax relief on possible contributions to PRSA from the 'contract employment' now exceeds the potential tax liability when drawing the benefits down? If tax relief now...
Forum: Askaboutlaw 06-09-2010, 06:19 PM
Replies: 3
Views: 1,348
Posted By Anfear
If I can suggest, professional help may often be...

If I can suggest, professional help may often be the quickest & most economic route, all things considered. They should be in a knowledgeable position to guide on your query. The Mediators Institute...
Forum: Askaboutlaw 06-09-2010, 04:19 PM
Replies: 6
Views: 3,141
Posted By Anfear
Micheline McCormack's book, 'DIY Divorce, Divorce...

Micheline McCormack's book, 'DIY Divorce, Divorce on a Shoestring' has quite a bit of useful information.
If the size & title doesn't put you off, the Law Society's Family Law guide, edited by...
Forum: Askaboutlaw 06-09-2010, 04:01 PM
Replies: 12
Views: 7,237
Posted By Anfear
Re misrepresenting anything in an affidavit, It's...

Re misrepresenting anything in an affidavit, It's as if you lied under oath, if found out!!! Don't do it!
Forum: Askaboutlaw 06-09-2010, 03:57 PM
Replies: 8
Views: 1,770
Posted By Anfear
I believe "proper provision" for both parties is...

I believe "proper provision" for both parties is a fundamental tenet, so as YOBR said, the mortgage burden doesn't just rest on your shoulders alone. Have you considered the dispute...
Forum: Pensions 07-07-2010, 08:20 AM
Replies: 24
Views: 20,478
Posted By Anfear
Government bonds might be a reasonable choice -...

Government bonds might be a reasonable choice - even though these are not completely risk free these days, but what is? Look at www.ntma.ie (http://www.ntma.ie) for more, but hold them to maturity to...
Forum: Public sector pensions 19-05-2010, 11:18 AM
Replies: 8
Views: 4,102
Posted By Anfear
No, I don't think there is any extra widow's...

No, I don't think there is any extra widow's pension from Superannuation on death shortly after retirement. It should be in the Superannuation Handbook, you could check at...
Forum: Pensions 19-05-2010, 10:59 AM
Replies: 2
Views: 1,455
Posted By Anfear
Bottom line - that wouldn't be a great idea!...

Bottom line - that wouldn't be a great idea! Investments are always increasing & decreasing in value, including your house for example! But that wouldn't cause you to sell your house, would it?...
Forum: Pensions 19-05-2010, 10:44 AM
Replies: 5
Views: 2,247
Posted By Anfear
First consider the affordability of AVC...

First consider the affordability of AVC contributions in your current circumstances, then the tax relief advantages.
Personally, I feel it is a bit academic to start targeting fund values many years...
Forum: Deposits 05-05-2010, 09:35 AM
Replies: 13
Views: 7,012
Posted By Anfear
thanks, great info

thanks, great info
Forum: Pensions 05-05-2010, 08:55 AM
Replies: 9
Views: 2,552
Posted By Anfear
isn't the "deal" voluntary (though may not be...

isn't the "deal" voluntary (though may not be acknowledged as so) & doesn't preclude an employee choosing another vendor if they so wish?
Forum: Pensions 05-05-2010, 08:40 AM
Replies: 2
Views: 1,378
Posted By Anfear
Can't see that discussing it with Insurance Co...

Can't see that discussing it with Insurance Co would compromise the legitimacy of a PHI claim since it's normal policy for Insurance Co to be in regular contact with people benefiting from PHI claim...
Forum: Pensions 05-05-2010, 08:31 AM
Replies: 4
Views: 1,632
Posted By Anfear
If you phone Sligo, best chance of being answered...

If you phone Sligo, best chance of being answered first thing in the morning or about half hour before closing
Forum: Deposits 05-05-2010, 08:23 AM
Replies: 7
Views: 3,324
Posted By Anfear
I think a useful question is always: what is the...

I think a useful question is always: what is the max I am likely to need within 21 days? 3 months? 1 year?
In my opinion, very unlikely to be the whole sum, so split between different deposit...
Forum: Public sector pensions 16-04-2010, 10:34 PM
Replies: 5
Views: 3,557
Posted By Anfear
If jimbobwalton's friend has less that 40 years...

If jimbobwalton's friend has less that 40 years service but retiring at 60 or later, wouldn't it be normal to maximise tax free lump sum @ 1.5 times final salary (as long as has at least 20 yrs equiv...
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