Pensions
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JAMES HAY PENSION TRUSTEES LTD
An altogether better way of portfolio management. Simpler and quicker ... James Hay not affected by Santander statement errors. 23 December 2010. T...
www.jameshay.co.ukJAMES HAY PENSIONS TRUSTEES LTD
An altogether better way of portfolio management. Simpler and quicker ... James Hay not affected by Santander statement errors. 23 December 2010. T...
www.jameshay.co.ukCAP SERVICES LTD
C A P Services provide Pension Soultions to Pension Problems. We provide pension advice for individuals and to company employees. We help you to ma...
www.capservices.co.ukMASTERPOLICY INSURANCE BROKERS
MasterPolicy Insurance Brokers Limited is registered in England & Wales Number 6201585. ... Registered Office: Hamilton House, 152 Shortmea...
www.masterpolicy.co.ukLAMPOTT
We specialise in providing a complete financial planning service by organising financial affairs so as to ... LS9 6HJ | t: 0870 0559727 | f: 0870 0...
www.lampott.comPIM TRUSTEES LTD
Index of / .ftpquota. cgi-bin ...
www.pimtrustees.co.ukGISSINGS LTD
Welcome to Capita Hartshead, Leading the way in pensions administration
www.gissings.comS E B TRYGG LIFE (UK) LTD
SEB erbjuder lån, försäkringar och placering av pengar. Vi ger rådgivning inom finansiering och kapitalförvaltning mm för privatpersoner och företag.
www.seb.seA W D CONSULTING
Welcome to AWD Chase de Vere - Independent financial advice for individuals and businesses
www.awd-consulting.comE B S MANAGEMENT PLC
EBS was established more than thirty-five years ago in response to clients who were ... This resulted in EBS being one of the first companies to of...
www.ebsmanagement.co.ukLocal Pensions
Ask the community
Need help finding a company or supplier?
Why are pensions a burden to corporations when retirement rates increase?
Aren't the corporations supposed to be putting the money into the pension funds as time goes by? I see this occasionally (with Kodak today) on financial news shows -- such and such a company has seen a significant rise in retirements over the last x number of years, and having to pay out the pensions is really hurting their bottom line.
Matthew10_34
Question answered by Huge
Its because they do not have to fully fund the pension liability until the staff actually retire so some companies hold on to a large part of the cash until then. This is why when unscrupulous businessmen falsely account their pensions liability and then the company goes broke some people find they have no pension. The Robert Maxwell saga and Mirror Group Newspapers (his misappropriation of the pension fund) is a prime example.Should all pensions for people who work in government or for the government be eliminated?
I like most of you work for a private company. I like most of you have no pension. Why should people who work for the government or in the government get paid for life after they quit working off of the backs of us who have to work to get paid? This is about principle and also economics. Pensions are destroying federal, state and local budgets. As times get tougher, we need to bring government down to a minimum. If we don't lift the weight off of the back of the economy, it will just collapse.
Southern Johnny
Question answered by Karen
Yes. The average salary in the private industry is about $43,000/year while the average salary for government employees is about $75,000/year and on top of that they get handsome pensions for doing very little work.What are some examples of government pensions that have gone bankrupt in the USA and around the World?
What are some examples of government pensions that have gone bankrupt in the USA and around the World? I have heard that some government employees have lost their pensions in the USA and around the world, but it is hard to find the exact names and references. I have also heard that some programs are borrowing money against their own pension funds to fund their pension funds. Sounds dicey. Thank you.
James Pescatarian
Question answered by Elwood Blues
No government pension in the USA has ever gone bankrupt.When did the British Army start to Pay Pensions to Invalided Soldiers?
Getting an invalid pension is now considered normal for injured soldiers, but when did this start? Where would I find out what the values of such pensions were in the nineteenth and twentieth centuries?
brianeanna
Question answered by Moriarty
Until the 17th Century the state made no specific provision for old and injured soldiers. Care for the poor and sick was provided by the religious foundations. Much of this provision ended following the dissolution of the monasteries in 1536. During the reign of Queen Elizabeth I it became recognised that provision needed to be made for the poor and for sick and disabled soldiers. This led to an Act of Parliament, passed in 1593, that levied a weekly tax - not exceeding 6d (sixpence) in the pound - on parishes for the relief of soldiers and sailors. The Civil War, between Charles I and Parliament, which started in 1642, required changes to the existing arrangements. Therefore, in 1645 Parliament decreed that pensions to disabled soldiers should be paid from national funds, not local taxationWhat happens to retirees pensions when a major company files chapter 11?
With Lehman Bros. filing for chapter 11, what happens to retireee pensions and medical benefits? Will they just cease, will they be restructured, will they be untouched? Any info would be very helpful, Thank you.
B D
Question answered by Steve D
If the company fails, you would most likely lose your retiree medical benefits. You could most likely get continuation coverage under COBRA, but this would be expensive as you would be out in the individual market and no longer under a group plan. You don't mention what type of pension you have. If it is a 401(k) plan, all the money contributed is in an account in your name and nothing changes except maybe your plan administrator. If you have a defined benefit plan, the plan is insured up to a point by the federal government (Pension Benefit Guarantee Corp.), however, depending upon your pension level, you may not get 100% (it will depend upon how fully funded the Lehman pension is).Is retirement income such as Social Security and pensions taxable? If so, are they taxed as regular income?
I am trying to do some long term planning as to how much money I need to retire. Some people have told me that Social Security is not taxed. Others have said that a government pension is not taxed. I understand the taxes around 401K's and IRAs. But the tax question around SS and government pensions will make a huge difference in my planning calculations.
Brian
Question answered by David M
Pension income, definitely yes. For Social Security it depends on how much you make outside of social security TODAY. That might change and probably will in the future. The Social Security system as currently configured is doomed to bankruptcy. Every year the congress does nothing about it further guarantees that doom. George Bush tried to address this issue a few years ago and congress told him to stick it. Of course congress is in different system which is adequately funded by your tax dollars which explains their lack of concern for social security. You don't say how old you are so I don't know how threatened your benefits will be. But the future is sure to contain the following: 1) Means testing. If you have adequate other income, your benefits will be reduced. 2) Taxing benefits. If you have a certain amount of other income (including pensions) your social security benefits will be taxed at a lower threshold and a higher rate. 3) Higher taxes on current workers. Current workers will be required to pay higher and higher taxes to support the Ponzie scheme. 4) The retirement age for receiving social security benefits will be increased. 5) Social Security benefits across the board will need to be reduced. All this is coming. And every year the congress does nothing about it, the severity of everything above will be increased. If you are young, your planning should rely very little or not at all on Social Security. Good luck.How can I leave my partner when we have no pensions ?
We both have pensions that will, jointly, just about support us when we reach retirement. However, I want to leave him and my own pension is not enough to support me. We have not been together for more than 15 years so i don;t feel entitled to any of his pension. We are both in our sixties. There is no love left and I would rather live on my own. What can I do since I won't be able to work for many more years and can't save for my old age ?
helen l
Question answered by jeff
You will probably split the pensions based on prorata contributions since marriage.Why should the public pay for pension benefits for others that will not be available to themselves ?
After Brown's thieving from private sector pensions - why should the sector essentially fund public pensions. Isn't the social contract around pensions breaking down ? Why should people pay for others to retire at 65 when the same retirement will not be available to them ?
LongJohns
Question answered by nemesis
You make a valid point. ALL private sector pensions are 'funded' - that is subject to assets being properly set aside for the payment of future benefits for the scheme members. Most public sector schemes are only 'technically' funded - inasmuch as they rely on income/benefit receipts/payments - Exchequer top-ups - and a whole bunch of IOUs future generations will be asked to redeem. One of Gorgon Broon's 1st stealth taxes was to grab back some £5 billion pa of 'tax concessions' to the private sector. Of neutral effect to his gross mismanagement of public sector pensions, where fiddling the numbers. postponing liabilities for others to meet, is the order of the day. Why did he do it - refusing all advice to the contrary ? He was of of course pursuing his one-eyed centralist, socialist ideals of control - redistribution of wealth - on the cack idea that all wealth belongs to everyone - and he as Chancellor, was best placed to grab and snatch - and redistribute as he felt fit. Thanks to which - most of our private sector pension schemes are now reducing benefits, closing down - unable to meet the liabilities they were designed to meet - properly funded for - whilst the state sector schemes are in even more trouble. The old argument was - public sector employees earned less than their counter-parts in the private sector - but in return received better pensions, ill-health and early retirement benefits. Which s all very well, so long as one-eyed Chancellors have a good grasp of the figures- and don't lie, obfuscate, ignore sound advice - or bury the numbers for others to unearth. All projections of public pension scheme funding were known to be out of kilter before Gorgon Broon even became Chancellor - and raided the private sector. He chose to level DOWN - with what we can only assume was a cynical notion that ALL taxpayers would eventually foot the bill. Where is he hiding, these days - as his calamitous errors of judgement come home to roost ?How much tax will the UK governent deduct from my pensions when I move to Poland?
I intend to live in Poland when I retire next year. I am a UK citizen and will receive both state and company pensions. They do not amount to much so I would prefer not to have any more tax deducted than is absolutely necessary.
funglestrumpet
Question answered by BD
Pensions arising in the UK are generally taxable in the UK. However, where you chose to live in a country with which the UK has a Double Taxation Agreement, the terms of that agreement will over-ride the normal provisions. The agreement with Poland (and indeed the agreement with most countries) gives taxing rights to the country in which you reside. So, if you live in Poland, your pensions will be taxed in Poland.What kind of human being would have wanted the GM workers to lose the pensions they'd earned?
The bondholders got stock in the new GM. The retired or retiring workers would have lost their pensions and got nothing in return. What kind of a human being would want that to happen to his fellow Americans? Would you want him to be President?
Matthew D Rises
Question answered by MS S
Tell that to the bond holders, like retired teachers and other laborers, who lost all that pension money, since they were put at the back of the line. Unions that are powerful like that, should be taken down a few notches. Take a look at my link, if you didn't see it before. You seem like a reasonable person?Related products and services
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