The document provides an overview of recent pension reforms in the UK that give people greater freedom and control over their pension savings. Key changes include allowing individuals to withdraw their entire pension pot as a lump sum if desired, pass pension savings to anyone without restrictions when they die, and take withdrawals from their pension as income without limits. While the reforms provide flexibility, the document emphasizes the importance of getting financial advice to develop a long-term retirement plan and ensure savings last throughout retirement without running out of money.
IUHF - Housing Finance International - December 2009Ralph Liu
This document provides an overview of several articles in the December 2009 issue of the International Union for Housing Finance's quarterly journal, Housing Finance International. The issue includes articles that:
1) Examine the roots and consequences of the 1990s banking crises in Sweden and Japan and the effects on housing markets, drawing lessons for policymakers.
2) Discuss how the global financial crisis impacted mortgage lending in former Soviet countries, arguing existing systems lacked resilience and did not improve housing access.
3) Propose a framework for managing mortgage credit risk, using South Korea's system as a case study.
4) Suggest policies to facilitate affordable housing in Central and Eastern Europe given challenges around housing stock,
Chemical Engineer with 40+ years experience in the Oil & Gas sector as an Upstream & Midstream lead process and facilities engineer with both extensive technical and project management knowledge.
The document provides an overview of recent pension reforms in the UK that give people greater freedom and control over their pension savings. Key changes include allowing individuals to withdraw their entire pension pot as a lump sum if desired, pass pension savings to anyone without restrictions when they die, and take withdrawals from their pension as income without limits. While the reforms provide flexibility, the document emphasizes the importance of getting financial advice to develop a long-term retirement plan and ensure savings last throughout retirement without running out of money.
IUHF - Housing Finance International - December 2009Ralph Liu
This document provides an overview of several articles in the December 2009 issue of the International Union for Housing Finance's quarterly journal, Housing Finance International. The issue includes articles that:
1) Examine the roots and consequences of the 1990s banking crises in Sweden and Japan and the effects on housing markets, drawing lessons for policymakers.
2) Discuss how the global financial crisis impacted mortgage lending in former Soviet countries, arguing existing systems lacked resilience and did not improve housing access.
3) Propose a framework for managing mortgage credit risk, using South Korea's system as a case study.
4) Suggest policies to facilitate affordable housing in Central and Eastern Europe given challenges around housing stock,
Chemical Engineer with 40+ years experience in the Oil & Gas sector as an Upstream & Midstream lead process and facilities engineer with both extensive technical and project management knowledge.
Khalid Pervez is seeking a position as a project coordinator, project manager, or resident engineer. He has over 25 years of experience managing infrastructure, water/wastewater treatment, and building projects in Saudi Arabia, Dubai, Qatar, and Pakistan. He holds engineering degrees from NED University of Engineering and has managed projects for consulting firms and development companies.
The document is a newsletter from Carbon Financial Partners providing updates on recent financial and tax changes announced in the UK Summer Budget. Key points include:
- The pension lifetime allowance will be reduced from £1.25 million to £1 million from April 2016.
- Dividend tax credits will be replaced by a £5,000 dividend tax-free allowance from April 2016.
- Inheritance tax provisions were changed to allow spouses to transfer an additional £175,000 nil-rate band to each other on death.
- Carbon Financial Partners was shortlisted for an award from the Institute of Financial Planning for excellence in financial planning.
Hunter Wise Presentation for Corporate Finance Advisory ServicesRalph Liu
Hunter Wise Financial Group is a leading middle-market investment banking firm that provides corporate finance and M&A advisory services to middle market companies. It has over 40 professionals across 12 domestic offices and 1 international office. Hunter Wise has decades of experience in managing over 1,000 M&A transactions for companies up to $200 million in revenue. The firm focuses on serving companies with strong earnings of over $2 million and can offer clients direct access to capital sources for transactions.