Your Business and Your Estate - Succession Planning
As Penn State professor William Rothwell ominously points out in the forward to Exit Right: A Guided Tour of Succession Planning for Families in Business Together, more than 40% of the people who run the closely held operations that comprise 80% of the North American economy will retire by 2007. Those businesses will either be sold to a third party or management team, closed down, or passed on to the next generation. In this article I will focus on passing the business on to the next generation. ...


Why do Some Stores Still Allow you to Sign Rather than Chip Pin
The new Chip & Pin credit card system has been officially in use for several months now, but in some cases you'll still be able to sign rather than use your Chip & Pin. Specifically, if you are disabled and cannot enter a PIN, you'll still be able to sign for your purchases as you always have and the cashier will compare credit cards with your signature as always. You'll also still be able to sign for your purchases if the merchant doesn't yet have a Chip and PIN reader, or at many overseas merchants. ...


Top Tips For Pension Transfers
If you're considering a pension transfer, then these tips could help you in the transfer process. 1.Find an Independent Pensions Transfer Advisor Pensions law and regulation is so complex and changes so rapidly, that you really do need good advice when it comes to transferring your pension. An independent advisor isn't tied to any particular product, and has access to all the information you need to make an informed decision. In addition, they will be aware of the latest changes to the pensions regulations, ensuring that your transfer falls within the rules. ...


The Best Investment Advice and Stock Picks for 2006
Everyone is trying to give advice on what to do with your money. There are numerous shows, infomercials, etc... Many charge a lot of money and make huge promises and then you find out it was a scam, bad advice, etc... I am going to show you how I averaged 187% returns on all my investments last year and over 500% for the last 3 years. I will tell you how to prosper in 2006 and make it your best year ever. And the best thing is I won't charge you a penny. This is for real and all my advice is easily verified. ...


Prenuptial Agreements and Dating
Little is more thrilling than starting a new relationship. The raising heart, the light chest, and the all around general high of finding a new love are all feelings we have each experienced. As the relationship grows and matures, thoughts of a future together begin to develop. This can then lead to the excitement of wedding planning, family planning, and house buying. But, those looking toward marriage, and all of the joys associated with it, need to also be sure to protect themselves financially with a prenuptial agreement. ...


Pension Advice for A-Day
It has been claimed that A-Day is set to be the biggest shake-up that pensions in the UK have experienced in over 60 years but it has also left many wondering what A-Day is and what pension advice they will need to prepare for it. Below we take a closer look at A-Day and what it might mean for the average worker. What is A-Day? A-Day refers to the changes to the UK pensions which is set to occur in April this year. What is the aim of A-Day? The main idea behind A-Day is to "increase choice and flexibility for all". ...


Part Time Work and Your Pension
Although traditionally women have represented the majority of part-time workers in the UK, there are large groups of other workers who for a variety of reasons only work part-time. Whatever your reasons for working part-time, it is important that you have all the facts you need about how part-time work could affect your pension. Even though you may only be working part-time it is important that you consider your pension and seek professional advice as and when you may require it. In and amongst this consideration about your pension you need to bear in mind that even though you are only working part-time you are still entitled to the same pension rights as a full-time worker. ...


Frozen Company Pension - The Options
You can hardly have failed to notice that the prediction for UK pensions is not good. Like many European countries, the UK has an aging population and a decreasing birth rate. Whilst the workers are currently funding the old aged pensioners, it remains unclear how the next generation of old aged pensioners will be funded. Simply put, we are getting older and the pension scheme currently in place is not able to accommodate this. As society's attitude towards work has also undergone a major transformation whereby a job for life no longer seems to be the norm, the number of employees with a frozen company pension scheme is also on the increase. ...


Financial Planning: What's your Designation?
If you're shopping for financial planning services, it may seem like a jungle out there. There are advertisements everywhere, and everybody seems "nice," but nice won't cut it when it comes to your money. How can you cut to the chase and find a financial planning expert that you can trust. Start by learning what the different designations mean. You may have noticed that there are three popular financial designations that most financial planners hold. You'll want to choose one with one of the following designations. ...


A Guide to Finding a Debt Consolidation Lender
Having so much debt that you don't know when you will ever be debt-free can be extremely frustrating and stressful. Unfortunately as the opportunities to get into debt are increasing in the UK, so is the amount of people who are in uncontrollable debt. If you are struggling with your current financial situation then you may have heard that a debt consolidation loan could be the answer to your problems but how do you ensure that you don't fall prey to getting yourself into even more debt? The answer may lie in making sure that you use the right debt consolidation lender. ...