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Forum: Public sector pensions 16-10-2011, 05:38 PM
Replies: 1
Views: 1,611
Posted By Shirazman
More info required here, before I can help you,...

More info required here, before I can help you, I'm afraid.

I'm assuming that you joined the PDF before 1994, but did you join as a cadet or as a recruit, as the pension schemes were quite...
Forum: Public sector pensions 04-11-2010, 06:00 PM
Replies: 6
Views: 2,682
Posted By Shirazman
It seems that the majority of advice would be to...

It seems that the majority of advice would be to go with Notional Service.

Yes, it best suits your needs.


If I had to retire early(pre 60) for whatever reason,would I lose all benefit from...
Forum: Public sector pensions 04-11-2010, 01:08 AM
Replies: 6
Views: 2,682
Posted By Shirazman
-says on form that tax relief is allowed at 20%...

-says on form that tax relief is allowed at 20% of remuneration but is relief on AVC's not 41%??..why the difference?

They are saying that the maximum amount of annual salary eligible for tax...
Forum: Mortgage arrears, personal debt & negative equity 27-10-2010, 01:18 PM
Replies: 22
Views: 5,641
Posted By Shirazman
Couldn't agree more. The financial health of...

Couldn't agree more. The financial health of one's partner is every bit as important as their medical and psychological health are.

When it comes to marriage, it's vitally important to use the...
Forum: Pensions 27-10-2010, 01:03 PM
Replies: 8
Views: 2,097
Posted By Shirazman
Go here...

Go here (http://www.bline.ie/pensions-documents.html#prsa_apps)

scroll down to Booklets ..... and all will be revealed! :-)

(In fact, you may shortly be complaining about information...
Forum: Public sector pensions 02-08-2010, 03:59 PM
Replies: 2
Views: 2,453
Posted By Shirazman
On the assumption that your pension will come...

On the assumption that your pension will come from the Department of Education, the best people to contact is the pensions section there - they are helpful and will reply to you on most of the issues...
Forum: Pensions 09-06-2010, 10:15 AM
Replies: 5
Views: 1,505
Posted By Shirazman
Have a read of this leaflet:- ...

Have a read of this leaflet:-

http://www.welfare.ie/EN/Publications/SW8/Documents/sw8.pdf


and check out the relevant info on the Dept of Social Protection website:-
...
Forum: Pensions 05-06-2010, 11:01 PM
Replies: 10
Views: 2,307
Posted By Shirazman
Sounds to me as though he should contact the...

Sounds to me as though he should contact the Pensions Ombudsman for starters, don't let him spend any more of his hard-earned money on a solicitor until he has talked to these guys:- ...
Forum: Pensions 04-06-2010, 12:10 PM
Replies: 5
Views: 1,751
Posted By Shirazman
My situation is as follows:- Male public...

My situation is as follows:-

Male public servant aged 56. Have just retired under the ISER. Have a PS pension of some €25K p/a (so I won't need a AMRF).

Also have an AVC (Union Group Scheme...
Forum: Pensions 18-03-2010, 03:04 PM
Replies: 4
Views: 2,210
Posted By Shirazman
Re: Which Investment option for my pension?

Loads of variables to be considered there.

Including (off the top of my head)

What age are you?

What age do you hope to retire at?

How risk averse are you?
Forum: Public sector pensions 12-03-2010, 12:49 AM
Replies: 2
Views: 2,346
Posted By Shirazman
Re: Hse pension/buy back years

Yes you would be eligible for both tax and PRSI relief - these reliefs will (or should) be given automatically if you're purchasing NS through your payroll.

Not sure about your modeller...
Forum: Public sector pensions 12-03-2010, 12:44 AM
Replies: 5
Views: 2,234
Posted By Shirazman
Re: Pension Levy on Pension Payments ?

Common sense would suggest that there's no logic to being charged a pension levy on one's pension!


Section 2 of the Act defines who should pay the levy.

[I'm not allowed to post up the...
Forum: Sites, planning, self-builds and extensions 29-01-2010, 09:26 AM
Replies: 4
Views: 1,720
Posted By Shirazman
Re: architect in cork

Colin Yelland might be worth talking to.

I haven't used him and have no connections with him, but I've seen some of his work which was good - plus he's a pleasant person to deal with.
...
Forum: Pensions 28-01-2010, 12:28 PM
Replies: 3
Views: 1,468
Posted By Shirazman
Re: Civil servant in the 1980s, how to claim pension entitlement

I would imagine that your personnel file is being held in the HR section of whatever Department took on the functions of your former Department. So your best place to start is with the HR Section...
Forum: Public sector pensions 24-01-2010, 10:50 AM
Replies: 10
Views: 3,908
Posted By Shirazman
Re: Cornmarket AVCs or PRSA AVCs

You assumption is correct Dave, but you must bear in mind that far too many paid Union Officials aren't among the brightest stars in the firmament.

Just look at Doran for example! ;)
Forum: Public sector pensions 24-01-2010, 10:47 AM
Replies: 16
Views: 7,345
Posted By Shirazman
Re: What rate of pension levy to pay?

Remember that they would get tax and PRSI relief on that, making the net cost closer to €60K (assuming tax relief at 41%) - not bad for 6 years added service!
Forum: Pensions 24-01-2010, 10:42 AM
Replies: 1
Views: 1,243
Posted By Shirazman
Re: iser and hse

Your Union should know - but if you hadn't applied before the deadline, then you may not be eligible.

See here: http://www.askaboutmoney.com/showthread.php?t=121965&page=3
Forum: Pensions 24-01-2010, 10:40 AM
Replies: 1
Views: 1,286
Posted By Shirazman
Re: entitled to pension at 65

1. http://www.welfare.ie/EN/Schemes/Pension/SPNonContributory/Pages/oancp.aspx

2. http://www.welfare.ie/EN/Schemes/Pension/Pages/oapc.aspx

Away you go!
Forum: Public sector pensions 15-12-2009, 01:00 PM
Replies: 62
Views: 17,734
Posted By Shirazman
Re: Incentivised Early Retirement Scheme - Uptake

Recent clarification from the Department of Finance reads as follows:

"An officer who retires in 2010 will have their pension benefits calculated by reference to the scales applying on 31...
Forum: Public sector pensions 09-12-2009, 11:49 PM
Replies: 4
Views: 2,278
Posted By Shirazman
Re: Maximising pension with 4 months to go

Is he entitled to a contributory state pension for those 10 years up to 1973?

Probably yes - get him to check on the DSFA website - it's a mine of information.

Would it be worth his while...
Forum: Public sector pensions 09-12-2009, 11:46 PM
Replies: 62
Views: 17,734
Posted By Shirazman
Re: Incentivised Early Retirement Scheme - Uptake

No it isnt! :) www.budget.ie (http://www.budget.ie) is the budget rent a a car website!
Forum: Public sector pensions 18-10-2009, 05:07 PM
Replies: 62
Views: 17,734
Posted By Shirazman
Re: Incentivised Early Retirement Scheme - Uptake

An interesting last minute clarification was posted on the Dept of Finance website some time late last week:-

http://www.finance.gov.ie/viewdoc.asp?DocID=6019
Forum: Pensions 17-10-2009, 12:29 PM
Replies: 5
Views: 1,391
Posted By Shirazman
Re: Which ARF?

Thanks for that, but I still need to know the answers to the "how" parts of my questions!

Can I merely instruct Irish Life what I want to do - because every time that I contact them directly,...
Forum: Pensions 17-10-2009, 10:14 AM
Replies: 3
Views: 1,388
Posted By Shirazman
Re: irish life consensus fund

Try here (and play around!):-

http://www.ilim.com/FundPrices/Fund_Prices.asp?PriceWhen=Latest
Forum: Pensions 17-10-2009, 10:06 AM
Replies: 5
Views: 1,391
Posted By Shirazman
Re: Which ARF?

I will be in much the same position in 6 months' time:-

I will have roughly €50,000 in an AVC to invest in an ARF.
I will be 54 and intend to clean out the ARF over the next 6 years.
(I also...
Showing results 1 to 25 of 25

 
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