Posts Tagged: ‘annuitie’

Expats Fighting For Fair Pensions

04/26/2013 Posted by admin

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The motion so far has 38 signatories and has drawn support from all of the major political parties. 178 ; . Though the problem's getting extra attention, a parliamentary question on the issue raised by Jeremy Corbyn MP in Aug wasn't answered. Together with the ICBP he was trying to get parliament to determine whether or not retirees with frozen pensions return to England or not. The reason behind this is that people who retire in frozen jurisdictions are frequently much farther away and therefore less content to uproot.

. It's a key query as amongst the most important reasons successive governments refused to thaw allowances is the cited cost of Expats from those countries returning to the Uk. However, The department for work and annuities decided it might be “disproportionately expensive” to reply to the query. 185 ; . Several of the states that presently don't permit pensions to increase are Australia, S. A. and Canada, which have for some time been very fashionable destinations for Expatriates.178 ; . They also cite the proven fact that they have paid countrywide insurance contributions their complete working lives and are thus entitled to the same annuities benefits as anybody else.

This has lead to particular Problems in Canada, where the Canadian state are having to help pension payments at the cost of local tax payers, effectively bailing out the UK government millions of pounds each year.8310 ; . This has led Immigrants in Canada to lobby David Cameron and the coalition govt. After they guaranteed to change these rules upon coming into power but they have yet to take any action.8309 ; Regardless of the new campaigns in place many feel that pressure should be applied to Westminster to make certain that the changes are eventually pushed through. Any affected parties can visit the internet website click on “campaign ideas” then “Fairness, Justice and Equality for all British State Pensioners” to register their vote of support for the campaign. David Harra, a Senior Market & Investment Analyst with Pryce Warner Global, an overseas pensions supplier for Expats commented : “We strongly supports the campaign to be sure that OAPs around the world receive what they are entitled to. It is highly prejudiced that those in Canada, Australia and some place else do not receive the same pension rates as those in Europe or the US. With the low price of the pound and the frozen allowances rate it is more crucial than ever this issue be addresses and determined by the UK executive.

It simply makes little sense that pensioners in one country should have their allowance rise with the CPI yet others do not.” . Pryce Warner Global Group have over forty years knowledge providing Global Investment and Asset Management as well as providing QROPS newswire & QNUPS Overseas Allowances for Immigrants worldwide . . Attributions : . (1] Leah Hyslop, Parliamentary question on frozen allowances goes unanswered, our website Aug 2011 . (2] Rachel Dalton, Expats mount parliamentary campaign for pension equality, twentieth June 2011 . (3] pension-parity-uk . (4] britishpensions . (5] Brian Lechem, Frozen Allowances : An open letter to David Cameron, our net web site 1st July 2011 . (6] Jane Davies, A message to Expats, the site June fifteenth 2011.

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Girl Visits No. Ten To Demonstrate Against Allowance Changes As A Part Of Age UK’s Continuing Campaign

04/23/2013 Posted by admin

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Ladies helped deliver a giant postcard to P. , David Cameron on Monday 12 September 2011, urging him not to increase the women’s State Annuity Age beyond 65 until 2020. The postcard, which was delivered by six ladies as an element of Age UK’s continuing campaign, reminded the PM the Coalition Govt is breaking its guarantee by raising the women’s state pension age earlier than planned. Offers in the Pensions Bill – shortly to receive its final reading in Parliament – will see thousands of women forced to wait an additional two years for their state pension with less than seven years notice to prepare plans for the change. Age UK pressreleases is warning this does not leave sufficient time to make plans for a later state annuity age and risks falling many thousands of ladies in to poverty. (the web site) . Work and Allowances Minister Iain Duncan Smith promised in Parliament the State would consider changes to the Annuities Bill to at least reduce the impact of the offers, but up to this point the Govt has not declared any changes.

. 330,000 girls born between December 1953 and October 1954 will be hit toughest, having to wait between 18 months and 2 years more for their state pension. The 33,000 ladies who'll likely have to attend an extra 2 years, will lose approximately

Buy-My-Annuity DE Corp. Able To Buy Your Allowance Earnings Stream, Joins NEA

04/03/2013 Posted by admin

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Buy-My-Annuity a company from Wilmington, Delaware renowned for its business of buying military allowance earnings streams is reporting some good news from its headquarters : its president and owner, Mark D. Graham, has been accepted as a member by the Nation's Ethics Association. Those considering a “sell my army allowance earnings stream” plan this summer are the most probable to greet the news . The company's latest milepost was reached in July. . Concerning his new access to the NEA, Buy-My-Annuity president Mark Graham shared some enthused remarks : “We're in the business of purchasing allowance income streams and allowance earnings streams. When folks ask ourselves ‘Who will obtain my annuity earnings stream?’ they come to us. With my entry into the Nation's Ethics Organisation, I'd like to distinguish Buy-My-Annuity from rivals and signal to clients that our company is, with deep earnestness, totally committed to carrying out our endeavors as agreed by all best business practices.

Buy-My-Annuity.com I made the effort to lay hold of NEA membership to reassure and to hearten all owners of annuities and pensions who conduct business with us, and also those who visit our site. If you've been thinking, ‘I want to sell my allowance revenue stream but I don’t know how,’ I would like you to come to us. It's also my hope that awareness of our NEA membership will seethe clients with added confidence in our abilities to arrange for them the best one-off sum deals.” . The National Ethics Organisation is recognised across the land as a thriving community and useful industry resource for all matters associated with business ethics and compliance. More than 17,000 business professionals make up its membership ranks. Through his membership, Mr. Graham can be anticipated to have ever larger access to an enormous body of legal support, info, and practical guidance to keep his business competitive.

About Buy-My-Annuity . Buy-My-Annuity is an American diversified fiscal services firm whose president and owner is an affiliate of the National Ethics Organisation. Buy-My-Annuity fundamental focus is in transacting exchanges of pile amounts of cash for allowance revenue streams and annuity revenue streams. Those wanting to know more about “purchase my annuity revenue stream” deals or about what it suggests to sell an army annuity earnings stream can go to buy-my-annuity online pr to access Buy-My-Annuity website.

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Battle Between Overseas Annuity Jurisdictions

03/19/2013 Posted by admin

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Pryce Warner World Group – QROPS overseas annuities were made available to UK Expats in 2006 and are designed to give them a safe form of annuity when retiring abroad. Since then countless QROPS schemes have been set up and provided in numerous states around the planet. The principle benefits of QROPS overseas allowances are that they are currency and asset group diversified and therefore are good at countering fluctuations in the market. They also permit assets to be moved easier and readily as well as permitting users to more quickly withdraw funds. Nevertheless as of 23rd of May this year QROPS are no longer available in Singapore185;178;179 ; and only in limited forms in Hong Kong8308, leaving the most popular regions for QROPS Guernsey and the Isle of Man. The majority of QROPS providers offer the allowance scheme through Guernsey or the Isle of Man as those locations offer better protection for buyers through a more robust regulatory system. Suppliers in Guernsey have also recently introduced a severe code of conduct8309 ; engineered to buttress the locations reputation as a safe QROPS provider.

However the Isle of Man recently introduced extra laws that states that a tax of twenty p.c. This means that some Expat allowance plan holders will need to pay tax at 20% although they may live in a place where there aren't any, or lower rates of tax than the Isle of Man. This effectively traps allowances schemes in the IOM at a higher taxation rate.

. According to Pryce Warner Global, this law is especially unfair as holders of a QROPS are rarely resident in the country that the scheme is based as they seem to be in particular meant to be offshore allowance schemes for Expats. It is correct that this position is being reviewed and will perhaps be changed, but as it stands it removes the portability allowance plans from the Isle of Man to another jurisdiction unless the plan holder is resident there. This is making the Isle of Man less fascinating for the jurisdiction of choice for overseas allowance plan holders. Click the link for your free comprehensive QROPS Guide distribution of press releases David Harra, a Finance & Investment Analyst with Pryce Warner World Group, a QROPS supplier for Expats, commented : “We have never offered a scheme in Singapore or Hong Kong for precisely the same reason that the HMRC has struck those suppliers off it’s authorised list : there's inadequate regulation and people looking to set up a project in those regions are sometimes sold the annuity on fake guarantees. Singapore & Hong Kong QROPS QROPS are in no way a way to avoid tax, they're simply a means for Expats to make certain they pay the proper quantity of tax and have a secure revenue when retiring overseas.” . He continued : “The Isle of Man has historically been an acceptable location to hold a QROPS plan but the present situation is severely injuring their reputation and isn't acceptable to most Expat pension plan holders.

The 20% tax is grossly arbitrary on Expats that live in jurisdictions with no income tax. There are some nations having a twin taxation agreement with the Isle of Man, which permits taxes paid in the Isle of Man to be offset against their tax liability in their country of residence. The current absence of portability is also unsatisfactory. Plan holders who are considering the Isle of Man should think about the limitations there, which don't exist in other jurisdictions.” . Pryce Warner International Group has over 40 years experience providing International Asset & Investment Management as well as providing QROPS & QNUPS Overseas Allowances for Expats globally. The QROPS Curators used by Pryce Warner Global Group in Guernsey are completely controlled and approved by the Guernsey Financial Services Commission.

. Attributions : . Singapore QROPS : . (1 : Unaccredited, List of Qualified Recognized Overseas Allowances Schemes (QROPS), HMRC, 6th July 2011 . (2 : Simon Danahar, Equity Trust Loses High Court Battle with HMRC, international-advisor 20th May 2011 . (3 : Darren Gibbs, HMRC court case deals fresh blow to members of Singapore QROPS, marlboroughtrust 24th May 2011 . HK QROPS : . (4 : Gregor Watt, Treasury Shuts Hong Kong QROPS loophole, moneymarketing 14th April 2011 . Guernsey QROPS code of Practice : . (5 : Unlicensed, QROPS code of practice, Guernsey Organisation of Annuity Providers, 31st March 2011 . Isle of Man QROPS rules : . (6 : Unaccredited, Isle of Man as your QROPS jurisdiction, qrops-pension-transfer not-stated . (7 : M Couch, Isle of Man authorized annuities schemes update, Isle of Man tax division, 27th October 2010 . (8 : Simon Danahar, Guernsey QROPS provider objects to IOM decision over transfer, international-advisor 14th July 2011.

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Symmetry Monetary Group Mid-Atlantic, SFG New England, SFG Atlanta Massively Change Life Assurance, Allowances And Other Insurance

03/19/2013 Posted by admin

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Symmetry Fiscal Group is proud to announce they have revolutionised the way that they broker insurance. SFG Mid-Atlantic, New England, and Atlanta Senior VP Scott Gordon wished to change the way in which the general public, who need access to different insurance including annuities and life assurance online pr, view insurance brokers. Our groups here at SFG have put in an incredible quantity of effort to bring ease and reassurance to our clientele,” related Gordon. SFG Mid-Atlantic, SFG New England, and SFG Atlanta were incorporated for one reason and one reason only ; they want to help to protect as many folks as practicable.

There's no limit to how hard these groups will work, how long they will work, and how much research they'll do to ensure each individual and family can sleep simple at night. Symmetry Monetary Group Mid-Atlantic, SFG New England and SFG Atlanta ; and it’s national affiliate The Mortgage Protection Group is a “Small Cap” insurance brokerage whose sole purpose is to acquire the right product, at the keenest price, to effectively protect their clientele throughout their lives. “That’s a guarantee that we stick by. SFG is able to broker insurance wants that range from Mortgage Protection, Standard Entire and Term Life Assurance, Pensions, Variable Allowances, as well as Health Insurance.

We won't stop working until we have exhausted every possible option. Most people believe that primarily based on attained age, previous or current health status, familial or financial status they can't be covered, that they can't protect their mortgages, families, or commercial assets. They are wrong, and we are here to prove it,” explained Gordon. For more information, please feel free to visit sfgbrokers.

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Educational Ideas Announces Its ‘ Annuity Suitability Four Hour Course Has Been Authorized In AL, Company, ID, IL, IN, IA, MS, MO, OR, SD, VI, WI, And WY.

02/21/2013 Posted by admin

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Educational Ideas Unrestriced, premier supplier of continuing education, is proud to announce their 4-Hour Annuity Suitability training course has been approved in AL, Company, ID, IL, IN, IA, MS, MO, OR, SD, VI, WI, WY and meets the one off, 4 (4) hour annuity coaching course requirement. Additionally, this course is available for resident CE credit. The course supplies the compulsory training and education needed for approved producers who need to or now sell, solicit or barter the sale of allowances. Non-resident producers selling allowances in these states are required to complete annuity coaching.

If the non-resident has completed coaching in another state it will satisfy the training duty, provided the course finished is significantly identical in content to the NAIC pension course plan. Featured in the “Allowances Suitability” four hour training course is :

  • a total basic knowledge of annuities
  • examples, references and citations that illuminate complex points of allowances
  • thorough text with narrative reason
  • seriousness of allowances and how it benefits the shopper
  • obstacles and relevant solutions associated with allowances as they relate to suitable sales practices, replacement and disclosure necessities. Lecture room courses can be gotten in many states that need it. Tutorial Concepts Unlimited, Incorporated, is proud to offer specific allowance courses in states that adopted the NAIC Suitability in Pension Transactions Model Regulation advice. This Model Regulation was adopted to set standards and procedures for appropriate pension recommendations and to need insurers to establish a system to supervise suggestions so the insurance needs and fiscal goals of consumers are suitably addressed. To view Educational Ideas Unlimited’s online course library visit http : the internet site press releases For investigations, please contact Tom Ripperda at 866.233.2024 or email ECU at ecuincaol.

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April Is Nationwide Money Literacy Month : New Website Provides Fixed Allowance Facts

12/24/2012 Posted by admin

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April is National Fiscal Literacy Month and National Retirement Planning Week is April 11-15. A new website at FixedAnnuityFacts offers factual info to help people better understand fixed annuities and provides access to pension nest eggs information and tools. Dwindling are the days of the healthful company annuity plans. A new site (FixedAnnuityFacts press release ) offers factual info to help individuals understand fixed allowances, a less well-known insurance product meant to help American citizens make a secure retirement – a characteristic that's perhaps more vital than ever seen before as approximately seven thousand of Baby Boomer US citizens turn 65 every day for the next 19 years and face their retirement situation.

The site was first launched in time to spotlight important retirement saving information. April is National Fiscal Literacy Month and State Retirement Planning Week is April 11-15. Content includes judicious articles about preferred subjects like “Retiring in the 21st Century : What It Takes,” answers to frequently asked questions like “Why are there so many different sorts of annuities?” as well as financial calculators and more. “Customers need easy-to-understand info about pensions that sticks to the facts,” claimed Kim O’Brien, executive manager of the National Organisation for Fixed Annuities (NAFA) – the charitable organization that made the site. People don’t always know these products exist because they are only offered by insurance firms. Analysis shows that almost 7 out of ten Baby Boomers within 5 years of retirement, and nearly 8 out of 10 of Baby Boomers outside of that window, stated they are nervous about having sufficient earnings during retirement.

Fixed annuities are important for retirees to realise since they're the only financial products that allow individuals to collect pension savings, protect those savings from market losses, and turn those savings into a warranted earnings for life. Fixed pensions are specially designed to protect and grow those pension funds greenbacks and at last convert them into a regular stream of revenue. . “Unfortunately, as millions of Baby Boomers start to march towards the next chapter of their lives, many are doubtful whether they are going to have sufficient cash to retire, while many know that they simply have not saved enough, said Kim O’Brien, executive director of the National Organisation for Fixed Annuities.

“By augmenting buyer awareness surrounding comprehensive retirement planning and preparedness, we have the opportunity to stem this rising tide of anxiety. A financially solid future is still attainable for the many millions of US citizens planning for and nearing retirement.” . One Insured Retirement Institute (IRI) . Two Money Industry Regulatory Authority (FINRA) Financier Education Foundation . To get more info contact : . Kim O’Brien . Phone : 414-332-9306 . E-mail : kim (at) nafa (dot) com.

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TD Waterhouse ISA & SIPP Customers Go For Undeveloped Markets And Gold

12/04/2012 Posted by admin

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The most popular 10 most well liked fund holdings in a TD Waterhouse ISA or SIPP show that gold remains a popular choice among TD purchasers. With gold closing last year’s trading at or around all-time highs in all main currencies, rising 29.8% against the dollar4 (gold’s second best yearly gain against the greenback in the past decade) Blackrock’s Gold and General Account maintains its position as the most well liked ISA fund holding for the 3rd consecutive year. Pacific Rim Pacific, China and India are also favored amongst ISA and SIPP holders, while consumers holding a TD SIPP also favour Russia as undeveloped markets give the capability for robust growth with their growing young populations and increasing world spending ability. Nonetheless JP Morgan Natural Resources and Fidelity Special Situations maintain a place in both tables as TD customers look to diversify their portfolios across a selection of sectors with an emphasis on long term returns. Darren Hepworth, Trading and Shopper Services Director, TD Waterhouse comments : “Emerging markets dominate TD Waterhouse customers’ fund holdings this year in both our ISA and SIPP products as our investors look for long term expansion in their portfolios. Gold remains in the top spot in both tables, and for a 3rd year running amongst our ISA clients. The buyer info also concurs with the recent results of the 6th annual TD Waterhouse Financier Confidence Index5, an independent survey to gage retail investor confidence in Britain, which discovered that a quarter of UK speculators surveyed predicted the Asian market to perform best and a further twenty p.c. Thought gold and rare metals would be top performers in 2011. Darren Hepworth, continues : “The observations from the TD Waterhouse Financier Confidence Index confirms trading trends among our consumers with over a quarter of respondents (26%) most certain to invest their tailored SIPP in world equities and three in ten stockholders (30%) having bought or sold shares in a company listed outside of the UK in the last twelve months.” . TD Waterhouse offers a large range of investment decisions to help investors diversify their portfolios.

TD Waterhouse shoppers can hold unit trusts, shares, investment trusts, gilts, bonds, REITs or ETFs and dependent on risk appetite, can choose from funds which invest in new markets or commodities, high income or sovereign bonds, among others. Fund investment is not without any risk but TD Waterhouse offers varying degrees of risk to suit individuals’ appetite. TD Waterhouse trading rates don't apply to funds and consumers can select from around 1,200 discounted funds from some of the United Kingdom's top suppliers, over 800 of which have a 0% 1st Sales Charge (ISC). You may not get back all the funds that you invest.

Please note the tax treatment of these products relies on the individual circumstances of each buyer and could be subject to change in future. The aptitude for profit or loss from transactions on global markets or in foreign denominated currencies will be influenced by variations in exchange rates. TD Waterhouse is the UK’s leading execution only broker6 with trading rates starting from

Making The Best Of UK Annuities – The QROPS Solution For Expats

11/25/2012 Posted by admin

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Since 2006, folks with UK allowances who are, or who will become, non-resident in Britain for tax purposes have managed to move their annuity advantages to a Qualifying Recognised Overseas Pension Scheme. In addition, UK annuity benefits tend to die with the member and the fund cannot be passed to beneficiaries. Yet these issues can be evaded by transferring the personal annuity out of the UK. What's a QROPS? . A QROPS scheme permits UK non resident people to transfer their annuity overseas freed from tax (unless it surpasses the prevailing