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Showing results 1 to 25 of 58 Search took 0.01 seconds. Search: Posts Made By: Anfear

Forum: Public sector pensions 03-12-2010, 08:50 PM

Replies: 6 Notional Service Scheme-a few questions Views: 2,681 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, 08:43 PM

Replies: 5 Early Retirement - Private Sector Views: 1,630 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, 08:34 PM

Replies: 5 Does a seperated wife have entitlement to a % of husband's pension - early retirement Views: 2,421 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, 08:31 PM

Replies: 5 Company pension and redundancy Views: 1,170 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, 08:23 PM

Replies: 1 am i safe?invested 50k in october 08 in a boi fund called bil guarentee plus s2. Views: 1,189 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, 08:14 PM

Replies: 7 Self employed, where to keep my taxes? Views: 1,303 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, 05:02 AM

Replies: 2 Commercial Semi-State - DB Pension or DC Views: 1,615 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, 04:47 AM

Replies: 2 DB Pension subject to tax? Views: 936 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, 04:37 AM

Replies: 5 How to find out value of shares in the past? Views: 985 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, 09:25 PM

Replies: 5 ARF or not ? Views: 1,717 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, 09:15 PM

Replies: 6 Making AVC-PRSA contributions while retired? Views: 1,545 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, 05:19 PM

Replies: 3 Seperation & Maintenance For Spouse & 4 Children Views: 1,065 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, 03:19 PM

Replies: 6 Key Post Good books for lay people on Irish law Views: 2,179 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, 03:01 PM

Replies: 12 Separation - what are the husband's rights? Views: 5,131 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, 02:57 PM

Replies: 8 Separation Advice Views: 1,412 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, 07:20 AM

Replies: 24 Buying a pension annuity - who's got best rates Views: 15,330 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, 10:18 AM

Replies: 8 Death during first year of retirement and spouses pension Views: 3,416 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, 09:59 AM

Replies: 2 Should you move your Pension to cash Views: 1,260 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, 09:44 AM

Replies: 5 DB pension. Should I make AVC and how much? Views: 1,887 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, 08:35 AM

Replies: 13 Key Post National Solidarity Bond FAQ Views: 5,624 Posted By Anfear thanks, great info thanks, great info

Forum: Pensions 05-05-2010, 07:55 AM

Replies: 9 Avc charges Views: 2,111 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, 07:40 AM

Replies: 2 Is it ok to be a Trustee in this situation Views: 1,152 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, 07:31 AM

Replies: 4 pension contributions Views: 1,401 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, 07:23 AM

Replies: 7 advice on where to deposit my 105k savings Views: 3,036 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, 09:34 PM

Replies: 5 Approaching retirement: Public Service Pension advisor required (Cork Views: 3,073 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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