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  • Blog | RetireEasy News
    were certainly not thinking about how to fund their retirement But if they d managed to resist playing it that copy of Sgt Pepper might be worth upwards of 1 000 today Mark Soper mixes Read the full article 10th September 2015 by RetireEasy Pensions Freedom welcome to the wonderful world of Kafka So what have the new pensions freedom and an early 20th century writer whose works describe labyrinthine bureaucracy have in common If you haven t already guessed let me explain writes Mark Soper I m a keen visitor to www moneysavingexpert com So are a great many other people it is a very good site indeed And in Read the full article 2nd September 2015 by RetireEasy Mark s top six tips on Pensions Freedom numbers one to three Since pensions freedom went live on 6th April this year writes Mark Soper there has been a huge amount of noise around pensions as well as a potentially tax laden emergency Budget So where does all that leave the nation s army of retirees as well as those approaching retirement The short answer is no one Read the full article 2nd September 2015 by RetireEasy Mark s top tips for pensions freedom numbers four to six Pensions Freedom time is upon us Sort of And in this and an accompanying article https www retireeasy co uk news article mark E2 80 99s top six tips on pensions freedoms E2 80 93 numbers one to three Mark Soper offers his six top tips to overcome the barriers and make the most of the opportunities Top Tip 4 How will you use the drawdown money There may be some very sound reasons why you may Read the full article 1st September 2015 by RetireEasy Do you have a pension entitlement you ve forgotten about Have you got a pension tucked away that you ve forgotten about Here s how to find out A couple of years ago a survey came out with an interesting stat that on average we Brits each work for six different employers over a lifetime It also revealed that again on average we down over 32 000 cups Read the full article 26th August 2015 by RetireEasy Don t Disregard your State Pension it could prove very handy For those who have spent all or most of our lives as self employed the State Pension may not have been uppermost in our thinking as we made plans for our retirement Indeed it s more than possible that other priorities have prevailed in some years and contributions have been missed But the new State Pension Read the full article 19th August 2015 by RetireEasy Renting in retirement an option we often forget Yes most of us own our own homes But is that the only option for our later years or even the best one Tony Watts OBE looks at the renting option and the impact it could have on your annual income The British are it

    Original URL path: https://www.retireeasy.co.uk/news/blog/page/4 (2016-04-27)
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  • The Future is Equity Release | RetireEasy News
    older when their parents pass away reducing the need to pass on inherited wealth With the ending of final salary pensions and the continued unattractive annuity rates more and more retirees will be relying on drawdown plans with the associated risks In any event certainly in this economic climate returns on investments by themselves are rarely sufficient to enable retirees to live the lifestyles they desire As demand for these products grow more and more providers will enter the market It is an attractive one for lenders since the risks can be relatively low especially if the borrower pays interest regularly The fact that Lifetime Mortgages are fixed rate for their full duration unlike regular mortgages means that the borrower knows at the outset what repayment will be required at any future date There are however some obstacles standing in the way of widespread use of these products There is a poor public perception of the idea of Equity Release reinforced by some previous bad publicity Many older people are reluctant on principal to contemplate giving up an element of the equity in their home and so limiting the amount that can be left to their children Lenders have a number of issues to consider when entering the market including the need to source 20 or 30 year fixed rate funds especially where interest is being rolled up and where earlier than forecast repayment may occur if the borrower s pass away earlier than predicted although a large volume of business should mitigate this risk Also they have to consider both the life expectancy of borrowers and the potential performance of home values over that period as they may well not have any other source of repayment As a result take up has been very low According to the Smith Institute report the lifetime mortgage market has averaged around 22 000 sales and just under 1 billion of lending each year over the last five years with an average of 45 500 per transaction This is equivalent to less than 1 of the residential mortgage market over the same period The home reversion market is even smaller with less than 1 000 plans sold per year The range of providers is extraordinarily limited The membership directory of the Equity Release Council the industry body for Equity Release listed only 11 providers of which only 3 are mainstream insurance companies There are no banks or building societies listed although it does appear that one or two building societies are now entering the market So what is happening to make Equity Release products more mainstream Well in March 2012 the Smith Institute report recommended that the government intervene to bring the banks into the market and that measures be implemented to broaden the range of products available reduce interest rates and improve public perception of the market The banks must be encouraged to move heavily into this market There is another benefit that would accrue if steps to widen the demand for

    Original URL path: https://www.retireeasy.co.uk/news/richard-collinson-retireeasy (2016-04-27)
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  • RDR Fuels Hike In Cost Of Financial Advice | RetireEasy News
    One of the consequences of the FSA s Retail Distribution Review appears to be pushing up the cost of accessing independent financial advice RDR banned providers from paying commissions to IFAs on new investments made after 1 January 2013 To replace commission advisers must now agree fees or adviser charges with their clients for their advice and services at rates typically around 200 per hour whether or not any new product or investment is entered into This trend may lead to investors going it alone and Retireeasy LifePlan is the only independent online tool that allows investors at or near retirement to review and plan their future financial wellbeing at a minimal cost Sign up for your LifePlan today and enlighten your financial future Next post RetireEasy 2016 Terms Conditions Privacy Policy SaaS Solutions from Cyber Duck Follow us LinkedIn Facebook Twitter More information Navigation About us What is RetireEasy How it works Accolades FAQs Security News Press Contact Privacy Policy Terms Conditions Info Retirement Planning Retirement Plans Pension Calculator Pension Plans Retirement Income Retirement Annuity Planning for Retirement Planning Retirement Plan for Retirement Retirement Planner Not yet retired You can now include all your additional savings investments and Pension

    Original URL path: https://www.retireeasy.co.uk/news/rdr-fuels-hike-in-cost-of-financial-advice (2016-04-27)
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  • Now couples are put in control of their own retirement | RetireEasy News
    software programme that enables you to monitor your finances and control your own retirement We start with news of an important new innovation now being made available As from today 21st October you can now choose between Singles and Couples versions of the software The difference The Couples version recognises the rather complicated way the UK tax system works for couples and then makes all the calculations for your income You simply feed in all your incomes assets and outgoings allocating them as appropriate between you as two individuals and it then cannily calculates your income net of tax for you Not just for this year but for every year into the future The Couples version of RetireEasy is 99 For those who already have the Singles version and want to upgrade the fee is just 20 Next post RetireEasy 2016 Terms Conditions Privacy Policy SaaS Solutions from Cyber Duck Follow us LinkedIn Facebook Twitter More information Navigation About us What is RetireEasy How it works Accolades FAQs Security News Press Contact Privacy Policy Terms Conditions Info Retirement Planning Retirement Plans Pension Calculator Pension Plans Retirement Income Retirement Annuity Planning for Retirement Planning Retirement Plan for Retirement Retirement Planner Not

    Original URL path: https://www.retireeasy.co.uk/news/now-couples-are-put-in-control-of-their-own-retirement (2016-04-27)
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  • Is Inflation good for retirees? | RetireEasy News
    Bank of England s target of 2 0 Food and clothes were cited as the main culprits so bad news for retirees In the distant past it was heard among savers and investors that a bit of inflation is OK and this was because former Government s tended to treat inflation with a blunt instrument called interest rates An increase in interest rates was good for bank deposits and stock markets often rallied and annuity rates improved These fundamentals are long gone and we are getting used to a new term stagflation where the economy recedes or hardly grows whilst inflation increases This type of inflation is bad news for retirees as bank deposit rates remain low and stock markets are weak Whilst the Government has recently announced above inflation increases in State Pension this stagnant but inflationary cycle continues to eat away at retirees savings Next post RetireEasy 2016 Terms Conditions Privacy Policy SaaS Solutions from Cyber Duck Follow us LinkedIn Facebook Twitter More information Navigation About us What is RetireEasy How it works Accolades FAQs Security News Press Contact Privacy Policy Terms Conditions Info Retirement Planning Retirement Plans Pension Calculator Pension Plans Retirement Income Retirement Annuity Planning for

    Original URL path: https://www.retireeasy.co.uk/news/is-inflation-good-for-retirees (2016-04-27)
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  • RetireEasy – New Income Tax Bands Applied to Your LifePlan | RetireEasy News
    on your LifePlan Please take a look at your charts and Snapshot to see if these changes indicate that you may need to make adjustments to your plans Also we are pleased to tell you that the promised Spreadsheet download a current year expenses table and a printable download summary of all of the assumptions and data that you entered will be available for you to view and use this week As always we at RetireEasy are striving to ensure that you have the benefit of the best product available and these current free upgrades are just another step on the way to making the RetireEasy LifePlan a more valuable and comprehensive retirement planning tool In order to help us build an even better product we would love to hear from you about your experience with our services features tools and support whether it be positive or negative If there are any features that you would like to see included please contact us at support retireeasy co uk Next post RetireEasy 2016 Terms Conditions Privacy Policy SaaS Solutions from Cyber Duck Follow us LinkedIn Facebook Twitter More information Navigation About us What is RetireEasy How it works Accolades FAQs Security

    Original URL path: https://www.retireeasy.co.uk/news/retireeasy-new-income-tax-bands-applied-to-your-lifeplan (2016-04-27)
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  • The Guardian 50+ Show Supplement | RetireEasy News
    News articles Guides Tools Overview Helpful guides Alerts updates Case studies FAQs Glossary Videos Company About RetireEasy Team Contact Accolades Blog Press Releases News Articles Alerts Updates Helpful Guides The Guardian 50 Show Supplement 16th June 2011 by RetireEasy The company behind it RetireEasy have built in almost every conceivable if and what enabling you to personalise your own spreadsheet which is stored online for you to access review and amend at any time Clever stuff Tony Watts Leading 50 journalist andcommentator Next post RetireEasy 2016 Terms Conditions Privacy Policy SaaS Solutions from Cyber Duck Follow us LinkedIn Facebook Twitter More information Navigation About us What is RetireEasy How it works Accolades FAQs Security News Press Contact Privacy Policy Terms Conditions Info Retirement Planning Retirement Plans Pension Calculator Pension Plans Retirement Income Retirement Annuity Planning for Retirement Planning Retirement Plan for Retirement Retirement Planner Not yet retired You can now include all your additional savings investments and Pension Contributions between now and your retirement taking into account increasing these Additional Contributions year on year and stipulating whether these are one off or recurring contributions As always you can revisit these projections and change them at any time either when your

    Original URL path: https://www.retireeasy.co.uk/news/the-guardian-50-show-supplement (2016-04-27)
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  • How your vinyl collection could help you turn the tables on pension investing | RetireEasy News
    record worth This brings me to my first tip get to know the value of your record collection use Discogs if you are unsure And importantly make a note of every small detail that might affect its value As with all things collectible the rarer the item the higher its potential value And even minuscule details in the pressing or cover will make a difference You may have 20 or 2 000 LPs to sell but every one of them will have an original catalogue number and markings that define their issue date and collectability particularly if the album and the artist were successful For example a mint 1972 re issue of Led Zeppelin IV should sell for around 30 Yet if you own any of the seven known 1971 issues plum label and both the vinyl and the sleeve are in mint nick then you can expect to sell this one album for between 100 and 500 If you have the inverted feather on side 2 then you have the holy grail of this record Don t judge a record by its age Sorting and grading your records by quality use Record Collector s grading scale may take a while but it will be worth it And don t be fooled by the earlier the LP the more valuable it is Pink Floyd s The Wall first issue will sell for 50 in mint condition but The Division Bell and Pulse issued 15 years later will sell for at least three and ten times more respectively Why Both Division Bell and Pulse were released in the CD age and vinyl pressings of most releases around this time were limited By more luck than judgement I own a sealed copy of Keane s magnificent Hopes and Fears I bought the CD version at the same time which is all I play and a reasonable copy of this vinyl will sell for 250 So tip number 2 records issued in the 90s and 00s may be more valuable than you think simply because most of the output was issued on CD rather than vinyl What sells What sells and what doesn t Generally easy listening compilations and chart toppers will not fund your retirement but vintage ska reggae progrock and eclectic genres such as northern soul and dancehall will command high prices Metal punk and grunge are also enjoying a renaissance Metallica Megadeth and Saxon picture discs will turn you an excellent profit if you have any to sell Jazz will usually outperform classical Japanese and audiophile pressings such as Mobile Fidelity Masterdisk Nautilus and Quiex will also attract premium prices I am often asked why Japanese pressings command higher prices than European and US copies of the same album and there are two reasons Firstly the 1973 oil crisis caused US and European manufacturers to reduce thicknesses of LPs to save money Japan never suffered the same oil shortage and maintained the thickness and quality of its output Secondly the

    Original URL path: https://www.retireeasy.co.uk/news/how-your-vinyl-collection-could-help-you-turn-the-tables-on-pension-investing (2016-04-27)
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web-archive-uk.com, 2016-12-08