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Daily Archives: May 31, 2011
”Plan in detail for those University costs!”
Q. I will be graduating from a Bahrain high school in two years time and am already thinking about which university I’d like to attend. However, I am concerned that I will not be able to afford all the costs, … Continue reading
Posted in Education
Tagged collage fee planning, college cost planning, college financial planning, college planning, college savings plans, education cost planning, education fee planning, fees private schools, planning for college, private school fee, private school fee planning, private school fees, private school investment fund, university fee planning
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“My husbands sister wants him to care for her kids”
Q. My wife and I have been asked to act as guardians for my sister’s two young daughters should anything happen to her. She lives in my home country of India and is seriously unwell and unable to work and … Continue reading
“Put money aside for urgent needs”
Q. I urgently need to secure some extra cash to pay for a host of unplanned needs in the coming months, which my accessible savings are not enough to cover. I know taking out a loan can incur high interest … Continue reading
Posted in Retirement Planning
Tagged actuary, added years, annuity, AVC, best buy, cat mark, catmark, civil service pension, company pension, company pension scheme, department work pension, employee pension, final salary, final salary scheme, financial advice, financial planning, financial services, flexible pension, free-standing AVC, FSAVC, government pension, guaranteed annuities, guaranteed income, IFA, income, income drawdown, income in old age, independent financial adviser, inflation, inheritance, investment, low-cost, lump sum, maturity, money purchase, OAP, ombudsman, paid up, pay, pension, pension advice, pension fund, pension plan, pension scheme, pension top up, pension transfer, pension trustee, pensioner, personal pension, personal pension plan, planning for retirement, portable pension, probate, retirement, retirement income, s226 pension, salary, SERPS, stakeholder, stakeholder pension, state pension, tax-free cash lump sum, top performing, tracker, transfer, transfer penalties, trustee, uk personal finance, value for money, waiver of insurance benefits, watchdog, wealth, will, with-profits pension
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“Insure Key men to protect your firm”
Q: I am in the process of setting up a small health and fitness business in Bahrain that has been set up on the back of one of my friend’s talents and connections in the industry. He will be working … Continue reading
Posted in Insurance
Tagged critical illness insurance, expat life insurance, income protection, insurance, international life insurance, international property loans, life insurance, personal insurance, UK expat buy to let mortgage, UK expat mortgages, UK expat remortgages, UK expatriate mortgages
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“Increase your Wealth – Take a Pay Cut!”
I never seem to have any money left to save at the end of the month, how will I ever build up some savings? Increase your Wealth – Take a Pay Cut! It may sound like a crazy notion to … Continue reading
Posted in Retirement Planning
Tagged actuary, added years, annuity, AVC, best buy, cat mark, catmark, civil service pension, company pension, company pension scheme, department work pension, employee pension, final salary, final salary scheme, financial advice, financial planning, financial services, flexible pension, free-standing AVC, FSAVC, government pension, guaranteed annuities, guaranteed income, IFA, income, income drawdown, income in old age, independent financial adviser, inflation, inheritance, investment, low-cost, lump sum, maturity, money purchase, OAP, ombudsman, paid up, pay, pension, pension advice, pension fund, pension plan, pension scheme, pension top up, pension transfer, pension trustee, pensioner, personal pension, personal pension plan, planning for retirement, portable pension, probate, retirement, retirement income, s226 pension, salary, SERPS, stakeholder, stakeholder pension, state pension, tax-free cash lump sum, top performing, tracker, transfer, transfer penalties, trustee, uk personal finance, value for money, waiver of insurance benefits, watchdog, wealth, will, with-profits pension
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“How to deal with inflation risk in retirement”
I keep reading about how long people are living after retirement and wonder how on earth they manage to maintain a decent income throughout this time, what can I do? People often think of their pensions as a bit … Continue reading
Posted in Retirement Planning
Tagged actuary, added years, annuity, AVC, best buy, cat mark, catmark, civil service pension, company pension, company pension scheme, department work pension, employee pension, final salary, final salary scheme, financial advice, financial planning, financial services, flexible pension, free-standing AVC, FSAVC, government pension, guaranteed annuities, guaranteed income, IFA, income, income drawdown, income in old age, independent financial adviser, inflation, inheritance, investment, low-cost, lump sum, maturity, money purchase, OAP, ombudsman, paid up, pay, pension, pension advice, pension fund, pension plan, pension scheme, pension top up, pension transfer, pension trustee, pensioner, personal pension, personal pension plan, planning for retirement, portable pension, probate, retirement, retirement income, s226 pension, salary, SERPS, stakeholder, stakeholder pension, state pension, tax-free cash lump sum, top performing, tracker, transfer, transfer penalties, trustee, uk personal finance, value for money, waiver of insurance benefits, watchdog, wealth, will, with-profits pension
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“I need to start saving for my own old age. What should I do?”
Q. My father is nearing retirement and I have been helping him put his finances in order and it has made me realise that I need to start saving for my own old age. What should I do? Sooner or … Continue reading
Posted in Retirement Planning
Tagged actuary, added years, annuity, AVC, best buy, cat mark, catmark, civil service pension, company pension, company pension scheme, department work pension, employee pension, final salary, final salary scheme, financial advice, financial planning, financial services, flexible pension, free-standing AVC, FSAVC, government pension, guaranteed annuities, guaranteed income, IFA, income, income drawdown, income in old age, independent financial adviser, inflation, inheritance, investment, low-cost, lump sum, maturity, money purchase, OAP, ombudsman, paid up, pay, pension, pension advice, pension fund, pension plan, pension scheme, pension top up, pension transfer, pension trustee, pensioner, personal pension, personal pension plan, planning for retirement, portable pension, probate, retirement, retirement income, s226 pension, salary, SERPS, stakeholder, stakeholder pension, state pension, tax-free cash lump sum, top performing, tracker, transfer, transfer penalties, trustee, uk personal finance, value for money, waiver of insurance benefits, watchdog, wealth, will, with-profits pension
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“How do I calculate how much life insurance I need?”
Q: I am 34, married with two kids (my wife also works) and we have just bought a house with a 15-year mortgage. How do I calculate how much life insurance I need – what are the general and specific … Continue reading
Posted in Insurance
Tagged critical illness insurance, expat life insurance, income protection, insurance, international life insurance, international property loans, life insurance, personal insurance, UK expat buy to let mortgage, UK expat mortgages, UK expat remortgages, UK expatriate mortgages
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Q. I am 45 years old and have just been diagnosed with Multiple Sclerosis….
Q. I am 45 years old and have just been diagnosed with Multiple Sclerosis, I am only mildly affected at present but I am aware that my physical ability to work may be reduced in the coming years. I am obviously … Continue reading
Posted in Insurance
Tagged critical illness insurance, expat life insurance, income protection, insurance, international life insurance, international property loans, life insurance, personal insurance, UK expat buy to let mortgage, UK expat mortgages, UK expat remortgages, UK expatriate mortgages
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My job involves a lot of travel around the Gulf and my company provides great health cover – but is this enough?
Having excellent medical, car and home insurance does not always guarantee international travel insurance protection when you decide to travel to another country. Many unpredictable situations can occur that may not be covered by your insurance back home, therefore you … Continue reading
Posted in Insurance
Tagged critical illness insurance, expat life insurance, income protection, insurance, international life insurance, international property loans, life insurance, personal insurance, UK expat buy to let mortgage, UK expat mortgages, UK expat remortgages, UK expatriate mortgages
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