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Liam Ferguson's blog

Financial short stories from Ferguson & Associates and FergA.com

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Financial short stories from Ferguson &amp;amp; Associates and FergA.com
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Liam Ferguson's blog | fergablog.blogspot.com Reviews

https://fergablog.blogspot.com

Financial short stories from Ferguson &amp;amp; Associates and FergA.com

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1

Liam Ferguson's blog: February 2012

http://fergablog.blogspot.com/2012_02_01_archive.html

Financial short stories from Ferguson and Associates and FergA.com. Monday, 6 February 2012. Are You Due a PRSI Refund? There was a fair bit of publicity recently surrounding a news story that the State has refunded €10 million to taxpayers who were overcharged in 2010. We've had several calls about this. So anyone who earned more than €500 in a week during 2010 AND earned a total of less than €26,000 for the year should reclaim their Health Levy. Liam D. Ferguson. Subscribe to: Posts (Atom).

2

Liam Ferguson's blog: March 2011

http://fergablog.blogspot.com/2011_03_01_archive.html

Financial short stories from Ferguson and Associates and FergA.com. Monday, 7 March 2011. The world will end when men and women pay the same for insurance. About how insurance premiums of all sorts will have to be harmonised for gender from 21st December 2012 following a European Court of Justice ruling. So from then on it will be illegal to charge different premiums for men and women for insurance. But it will never happen! Oh those cunning Europeans. Liam D. Ferguson. Thursday, 3 March 2011. About toda...

3

Liam Ferguson's blog: May 2011

http://fergablog.blogspot.com/2011_05_01_archive.html

Financial short stories from Ferguson and Associates and FergA.com. Monday, 23 May 2011. No PRSI on Employer PRSA. I know - snappy title. The Department of Social Protection have confirmed that contributions by an employer to a PRSA do not generate a PRSI liability for the employee. Such contributions do, however, generate a USC liability. Image: graur codrin / FreeDigitalPhotos.net. Liam D. Ferguson. Saturday, 21 May 2011. Surprise - Mortgage Lending is Down. Here's an extract from the Press Release.

4

Liam Ferguson's blog: April 2011

http://fergablog.blogspot.com/2011_04_01_archive.html

Financial short stories from Ferguson and Associates and FergA.com. Tuesday, 26 April 2011. Personal Fund Thresholds - Revenue deadline looming. Worryingly, in this Irish Times piece. Dominic Coyle tells us that by April 8th, only 144 enquiries had been received by Revenue on this topic, out of an estimated 6,000 affected people. Who does this affect? 8226; Anyone in a Defined Benefit pension scheme with an expectation of a pension of €115,000 per year or more, before lump sum entitlements. Follow us on ...

5

Liam Ferguson's blog: Are You Due a PRSI Refund?

http://fergablog.blogspot.com/2012/02/are-you-due-prsi-refund.html

Financial short stories from Ferguson and Associates and FergA.com. Monday, 6 February 2012. Are You Due a PRSI Refund? There was a fair bit of publicity recently surrounding a news story that the State has refunded €10 million to taxpayers who were overcharged in 2010. We've had several calls about this. So anyone who earned more than €500 in a week during 2010 AND earned a total of less than €26,000 for the year should reclaim their Health Levy. Liam D. Ferguson. Subscribe to: Post Comments (Atom).

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Pensions & Investments: May 2013

http://prsas.blogspot.com/2013_05_01_archive.html

Friday, May 10, 2013. There are no shortage of Challenge Walks in the Country. There’s something for everyone in the walking calendar, depending on your level of fitness and ability. As a relative newcomer to the hill walking game it’s hard to decide on which ones to do, especially when your mountain skills knowledge is pretty basic. You tend to rely on others to walk with or, in some cases, a good clear day. In the one day. On the 27th of April it was the turn of the ‘Glencush Horseshoe’. It felt a bit ...

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Pensions & Investments: April 2012

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Tuesday, April 10, 2012. The Downward Spiral Continues. There isn’t a week that goes by where an Irish based Life and Pension company complains about the perilous state of their market. They are all in a ‘race to the bottom’ as they struggle with profitability and retention of business. How can they all survive a decrease like 60%? The thing is, it’s not the regulator’s problem. The Life and Pension companies have created the problem themselves and it would not make sense for the regulato...As far as I a...

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Pensions & Investments: June 2012

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Monday, June 25, 2012. Specified Illness Cover - Financial Tip. As most of you will know, Specified (Serious) Illness cover pays out a lump sum if you are diagnosed as suffering from one of a number of specified serious illnesses (ie Cancer, Stroke, Heart Attack etc.), as defined in the product providers policy document. If a ‘Critical Event’ happens (eg diagnosis of specified illness), then the insured must survive 14 days so that they are eligible to claim under the policy. Subscribe to: Posts (Atom).

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Pensions & Investments: March 2013

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Monday, March 11, 2013. Pico del Inglés - Taganana, Vilaflor - Guarjara, and Teide. Another three days of excellent walking in Tenerife, last week. This time I had the pleasure of the company of two strong walkers from Peaks Mountaineering Club in Clonmel. La Quebrada - Pico del Inglés - Taborno - Afur - Taganana (via Casa Forestal). Distance - 21.5kms. Climbing - 2,242m. Duration - 6 hours 49 minutes. Moving time - 5 hours 37 minutes. Aqueduct bridge near La Quebrada. Distance - 23.4kms. Teide, Montana ...

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Pensions & Investments: February 2013

http://prsas.blogspot.com/2013_02_01_archive.html

Wednesday, February 13, 2013. Conversion Option and Smoking. In a previous post I reported that : With Aviva/Hibernian Life. If you were a smoker when you took the original policy out but qualify as a non-smoker now, full underwriting (new proposal) is required to change the policy, during or at the end of the policy term. I am currently dealing with a case where the person converting is now a non-smoker, for a good number of years, and wants to 'covert' the policy with Aviva. Subscribe to: Posts (Atom).

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Pensions & Investments: In Praise of Hill Walking

http://prsas.blogspot.com/2013/10/in-praise-of-hill-walking.html

Thursday, October 31, 2013. In Praise of Hill Walking. One of these days I’ll get back to blogging about Pensions and Investments). It probably started with a pointed comment from my daughter about being a “couch potato”. And possibly living in an area surrounded by three ranges of mountains. I had the boots. Bought a few years prior with the intention of ‘doing something’ with them, but never had. What’s it all about? It’s not all serene though. The craic, banter, slagging that goes on is migh...8221; m...

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Pensions & Investments: October 2013

http://prsas.blogspot.com/2013_10_01_archive.html

Thursday, October 31, 2013. In Praise of Hill Walking. One of these days I’ll get back to blogging about Pensions and Investments). It probably started with a pointed comment from my daughter about being a “couch potato”. And possibly living in an area surrounded by three ranges of mountains. I had the boots. Bought a few years prior with the intention of ‘doing something’ with them, but never had. What’s it all about? It’s not all serene though. The craic, banter, slagging that goes on is migh...8221; m...

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Pensions & Investments: March 2012

http://prsas.blogspot.com/2012_03_01_archive.html

Friday, March 23, 2012. Snap) Annuity Survey 21/03/2012. There are currently only three main players in the annuity market in Ireland. Irish Life, New Ireland and Zurich Life are the only companies that are actively competing for annuity business. You may get a quote from Friends First, Standard Life or Canada Life and it may be worth bearing in mind that sometimes they might be competitive with their rates. Zurich Life €6,792.48 pa. New Ireland €6,774.60 pa. Irish Life €6,680.70 pa. Male 15/03/1947, Fem...

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Pensions & Investments: July 2012

http://prsas.blogspot.com/2012_07_01_archive.html

Thursday, July 12, 2012. The Pensions Versus Savings Debate. The goalposts have been moved over the last few years in terms of the tax efficiency of pensions. Some reliefs have been reduced and taxes have increased on the benefits that are being drawn down. Tony Gilhawley of Technical Guidance Ltd., in partnership with Standard Life, have produced a technical paper on the issue titled 'To Pension or to Save.that's the question! Which is available here. Well, it depends. Tuesday, July 3, 2012. I am a Fina...

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Pensions & Investments: The Fei Sheehy Challenge

http://prsas.blogspot.com/2013/07/the-fei-sheehy-challenge.html

Wednesday, July 10, 2013. The Fei Sheehy Challenge. Fei is my daughter. She died last year. I marvelled at her spirit, courage, dignity, toughness and positivity of attitude in grappling with the cancer cards that she had been dealt. She is my hero. Two months after her death, I decided to end a 30 year period of physical inactivity by taking to the local hills and mountains. I had been looking up at Galtymore and Slievenamon all my life and had never set foot on them. The challenge was to ‘Cross&#...

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