Stuart C. Nathan< Monday, November 13, :35 AM. council; John Dresser; Rhonda Coxon; Clint Kinney

Size: px
Start display at page:

Download "Stuart C. Nathan< Monday, November 13, :35 AM. council; John Dresser; Rhonda Coxon; Clint Kinney"

Transcription

1 Rhonda Coxon From: Sent: To: Cc: Subject: Stuart C. Nathan< Monday, November 13, :35 AM council; John Dresser; Rhonda Coxon; Clint Kinney Patricia Jayne Keefer; Bruce Smith GID Public Comments for 4 PM today Dear GID Board Members and Town of Snowmass Village Council Members and TOSV Staff Members, As the President of the Hayden Lodge HomeOwner Association, a member of the Board of Directors of the Base Village Master Association and the owner of residential units in Base Village in both the Hayden Lodge and the Capital Peak Lodge, I concur and join in supporting the thoughts and concepts expressed in the below s sent to you by both Pat Keefer and Bruce Smith dealing with the GiD and the Skycab. I am very hopeful, on behalf of all current Base Village residential owners, that you will understand and realize this very sorry situation and take immediate steps to correct the unfairness and inequity that is being caused by how the GID and Skycab situation is being handled. Respectfully, Stuart C. Nathan From: Patricia Jayne Keefer[ pjkeefer@gmail. com] Sent: Monday, November 13, : 15 AM To: Council; John Dresser; Rhonda Coxon; Clint Kinney Subject: GID Public Comments for 4 PM today Dear GID Board/ Town Council and Staff, Thank you again for your gracious attention and empathy with where BV residential owners are today from a tax and fee view. Our preference would be to make these comments in person; but in contrast to past years, the annual GID meeting is being held prior to ski season. We ask that TOSV record and post video of the meeting as TOSV does for all other public Council meetings. As we have done in the past, we protest the inequitable taxation of Base Village owners by TOSV with the General Improvement District taxes. We suggest that the big driver behind SkyCab, Snowmass Tourism, pay for SkyCab and TOSV pay for the Snowmelt used by the entire community. The budgetary impact is negligible for TOSV and less than 5% for Tourism. Here is why. We ask that the Board read and strongly consider the State of Colorado design for Improvement Districts; in particular, with respect to the' assessing costs to all benefiting parties'. Today that is not the case. All benefiting parties are not assessed. By the time all benefiting parties are assessed, it would seem to be simpler to absorb the cost of the public use facilities by TOSV and Tourism at large and dissolve GID. 1

2 Other options would be to make Skittles self- supporting with a fee- for-service approach so that GID' s income is derived solely from providing this service instead of taxing a small group of property owners. We' re flexible; anything that takes GID mil levy to zero is fine with us. Base Village residential owners are happy to pay our fair share - we do not believe it is equitable to pay nearly all of Skittles non- ski hour operations, public road snowmelt etc. As was discussed at the last GID meeting, there is zero representation by taxpayers. While Attorney Dresser spoke about why this is legal, it doesn' t make it right. I' m sure England had the legal authority to tax the colonists but that didn' t make it right and we all know how that turned out. It was residential owner Joe Flynn that found the State of Colorado Local Government Handbook prepared by the Colorado Legislative Staff. Page 45 talks about the differences between a Special Tax district like the Base Village Metro District which are designed to exist indefinitely and a General Improvement District which is designed to be temporary. Let me read page 45 pertinent passages- " improvement districts [ are} formed by municipalities to provide certain amenities, like sidewalks. Unlike improvement districts, special districts may exist indefinitely while improvement districts [ like GID] are typically dissolved once the improvement is complete and any debt incurred is paid off. For example, improvement districts ( formed by municipalities) provide an amenity in a localized area, and the costs of the improvements are assessed directly against the benefiting property owners. The city council serves as the governing body of an improvement district, and the district typically dissolves as soon as any debt incurred by the municipality on behalf of the district is paid off." So, with that as the State of Colorado' s design for GIDs, Skittles and snowmelt is built, the GID has no debt and should be dissolved. Right now we see GID as a tax to the max program. Why else would it have a provision to raise taxes, not because the tax increase is needed, but because the Metro bonds are paid off? What' s up with that? We see the GID operating just like any other department at TOSV. The GID functions should become a part of the regular TOSV budget and GID should be dissolved. In addition, the State clearly says the " improvement districts provide a particular amenity in a localized area, and the costs of the improvements are assessed directly against the benefiting property owners" That isn' t happening either. 250 Base Village property owners are operating facilities that benefit a whole bunch of property owners that were and are not assessed. This is wrong and the gives a second reason the GID should be dissolved. We know this GID Board did not create this mess. We do expect this Board to take the action to dissolve the GID today and not process the paperwork to instruct Pitkin County to solely assess 250 Base Village owners 2017 GID taxes to support facilities from which everyone benefits. Thank you for your continued Public Service. See comments from Bruce Smith below. Wishing You Blue Skies and Tailwinds', Pat Patricia Jayne ( Pat) Keefer A reluctant, but by necessity, Base Village Activist Base Village Liaison for Capitol Peak HOA Board, Hayden HOA Board Base Village Liaison for Viceroy/ Assay Hill Residential HOA Board Member Round the World Air Race Gold Medalist - 24 days 2

3 TM of Tailwinds.com For the record, I am Bruce Smith, 110 Carriage Way. Base Village continues to be a mess of extra taxes and fees without commensurate representation. The Capitol Peak Board has asked retired Board member, Pat Keefer to act as our liaison in these matters so when you see her, know that she has the backing of all the residential Board members. Capitol Peak owners provide more GID income from privately owned properties than any other group in Base Village. As such, we invited the GID Chair to speak to our Annual Owners meeting on December 5, The GID Chair was unable to attend. Neither did any of the other 4 GID Board members or any of the 3 Advisory Board GID members. Other groups we invited to our Annual Meeting sent representation, but not GID. I' m here to tell you, it is not OK to ignore your taxpayers. The Base Village, to include this GID, has been built using special tax districts. Although TOSV' s Town Council authorized these Special Tax Districts, to include the resultant Intergovernmental Agreement, unfortunately, we as BV residential owners, have no say or representation in these Districts. Remember, BV residential property owners pay taxes at the rate of 211% vs. all other TOSV property owners that pay property taxes at the rate of 100% [with BVCo HOA fees adding another 100%]. You want our money, but apparently do not want us to be represented. ( This is not the first time I' ve made these comments) Taxation without representation has never been right, not when our country was founded and certainly not now. I find it personally offensive that TOSV continues to treat it guests, property owners and tax payers this way. Other residential owners have made similar but repetitive comments. 3

4 Rhonda Coxon From: Sent: To: Subject: Patricia Jayne Keefer < Monday, November 13, : 15 AM council; John Dresser; Rhonda Coxon; Clint Kinney GID Public Comments for 4 PM today Dear GID Board/ Town Council and Staff, Thank you again for your gracious attention and empathy with where BV residential owners are today from a tax and fee view. Our preference would be to make these comments in person; but in contrast to past years, the annual GID meeting is being held prior to ski season. We ask that TOSV record and post video of the meeting as TOSV does for all other public Council meetings. As we have done in the past, we protest the inequitable taxation of Base Village owners by TOSV with the General Improvement District taxes. We suggest that the big driver behind SkyCab, Snowmass Tourism, pay for SkyCab and TOSV pay for the Snowmelt used by the entire community. The budgetary impact is negligible for TOSV and less than 5% for Tourism. Here is why. We ask that the Board read and strongly consider the State of Colorado design for Improvement Districts; in particular, with respect to the ' assessing costs to all benefiting parties'. Today that is not the case. All benefiting parties are not assessed. By the time all benefiting parties are assessed, it would seem to be simpler to absorb the cost of the public use facilities by TOSV and Tourism at large and dissolve GID. Other options would be to make Skittles self- supporting with a fee- for-service approach so that GID' s income is derived solely from providing this service instead of taxing a small group of property owners. We' re flexible; anything that takes GID mil levy to zero is fine with us. Base Village residential owners are happy to pay our fair share- we do not believe it is equitable to pay nearly all of Skittles non- ski hour operations, public road snowmelt etc. As was discussed at the last GID meeting, there is zero representation by taxpayers. While Attorney Dresser spoke about why this is legal, it doesn' t make it right. I' m sure England had the legal authority to tax the colonists but that didn' t make it right and we all know how that turned out. It was residential owner Joe Flynn that found the State of Colorado Local Government Handbook prepared by the Colorado Legislative Staff. Page 45 talks about the differences between a Special Tax district like the Base Village Metro District which are designed to exist indefinitely and a General Improvement District which is designed to be temporary. Let me read page 45 pertinent passages - improvement districts [are) formed by municipalities to provide certain amenities, like sidewalks. Unlike improvement districts, special districts may exist indefinitely while improvement districts [ like GID] are typically dissolved once the improvement is complete and any debt incurred is paid off. For example, improvement districts (formed by municipalities) provide an amenity in a localized area, and the costs of the improvements are assessed directly against the benefiting property owners. The city council serves as the governing body of an improvement district, and the district typically dissolves as soon as any debt incurred by the municipality on behalf of the district is paid off." So, with that as the State of Colorado' s design for GIDs, Skittles and snowmelt is built, the GID has no debt and should be dissolved. 1

5 Right now we see GID as a tax to the max program. Why else would it have a provision to raise taxes, not because the tax increase is needed, but because the Metro bonds are paid off? What's up with that? We see the GID operating just like any other department at TOSV. The GID functions should become a part of the regular TOSV budget and GID should be dissolved. In addition, the State clearly says the " improvement districts provide a particular amenity in a localized area, and the costs of the improvements are assessed directly against the benefiting property owners" That isn' t happening either. 250 Base Village property owners are operating facilities that benefit a whole bunch of property owners that were and are not assessed. This is wrong and the gives a second reason the GID should be dissolved. We know this GID Board did not create this mess. We do expect this Board to take the action to dissolve the GID today and not process the paperwork to instruct Pitkin County to solely assess 250 Base Village owners 2017 GID taxes to support facilities from which everyone benefits. Thank you for your continued Public Service. See comments from Bruce Smith below. Wishing You Blue Skies and Tailwinds'', Pat Patricia Jayne ( Pat) Keefer A reluctant, but by necessity, Base Village Activist Base Village Liaison for Capitol Peak HOA Board, Hayden HOA Board Base Village Liaison for Viceroy/ Assay Hill Residential HOA Board Member Round the World Air Race Gold Medalist- 24 days TM of Tailwinds. com For the record, I am Bruce Smith, 110 Carriage Way. Base Village continues to be a mess of extra taxes and fees without commensurate representation. The Capitol Peak Board has asked retired Board member, Pat Keefer to act as our liaison in these matters so when you see her, know that she has the backing of all the residential Board members. Capitol Peak owners provide more GID income from privately owned properties than any other group in Base Village. As such, we invited the GID Chair to speak to our Annual Owners meeting on December 5, The GID Chair was unable to attend. Neither did any of the other 4 GID Board members or any of the 3 Advisory Board GID members. Other groups we invited to our Annual Meeting sent representation, but not GID. I' m here to tell you, it is not OK to ignore your taxpayers. The Base Village, to include this GID, has been built using special tax districts. Although TOSV's Town Council authorized these Special Tax Districts, to include the resultant Intergovernmental Agreement, unfortunately, we as BV residential owners, have no say or representation in these Districts. Remember, BV residential property owners pay taxes at the rate of 211% vs. all other TOSV property owners that pay property taxes at the rate of 100% with BVCo HOA fees adding another 100%]. You want our money, but apparently do not want 2

6 us to be represented. ( This is not the first time I' ve made these comments) Taxation without representation has never been right, not when our country was founded and certainly not now. I find it personally offensive that TOSV continues to treat it guests, property owners and tax payers this way. Other residential owners have made similar but repetitive comments. 3

TOWN OF DUCK PLANNING BOARD REGULAR MEETING October 12, 2016

TOWN OF DUCK PLANNING BOARD REGULAR MEETING October 12, 2016 TOWN OF DUCK PLANNING BOARD REGULAR MEETING October 12, 2016 The Planning Board for the Town of Duck convened at the Paul F. Keller Meeting Hall on Wednesday, October 12, 2016. Present were: Chair Joe

More information

On track. with The Wrigley Pension Plan

On track. with The Wrigley Pension Plan Issue 2 September 2013 On track with The Wrigley Pension Plan Pensions: a golden egg? There s a definite bird theme to this edition of On Track. If you want to add to your nest egg for retirement, we ll

More information

GETTING THE MOST FROM YOUR PENSION SAVINGS

GETTING THE MOST FROM YOUR PENSION SAVINGS GETTING THE MOST FROM YOUR PENSION SAVINGS 2 Getting the most from your pension savings CONTENTS 04 Two types of pension 05 Tax and your pension An overview 05 Who can pay into a pension? 05 How does tax

More information

Stakeholder Pension. The simple way to start a pension plan. Retirement Investments Insurance Health

Stakeholder Pension. The simple way to start a pension plan. Retirement Investments Insurance Health Stakeholder Pension The simple way to start a pension plan Retirement Investments Insurance Health Introduction Any decision you make about investing for your future retirement needs careful consideration

More information

TIME TO CHOOSE. From the Trustee of the British Steel Pension Scheme. BritishSteel_August_Newsletter_A5_CG.indd 1

TIME TO CHOOSE. From the Trustee of the British Steel Pension Scheme. BritishSteel_August_Newsletter_A5_CG.indd 1 TIME TO CHOOSE Issue 1 August 2017 From the Trustee of the British Steel Pension Scheme BritishSteel_August_Newsletter_A5_CG.indd 1 16/08/2017 14:12 2 Time to choose British Steel Pension Scheme YOUR PENSION

More information

LV= Flexible Guarantee Bond Series 3. Bond Conditions

LV= Flexible Guarantee Bond Series 3. Bond Conditions LV= Flexible Guarantee Bond Series 3 Bond Conditions LV= Flexible Guarantee Bond Series 3 Bond Conditions Welcome to LV=, and to our Flexible Guarantee Bond Series 3 These Bond Conditions, together with

More information

Webinar: How NEST can help you support clients with auto enrolment

Webinar: How NEST can help you support clients with auto enrolment Webinar: How NEST can help you support clients with auto enrolment Questions and answers February 2016 Choosing to use NEST 1. Is a NEST pension scheme always a qualifying scheme for auto enrolment? Yes,

More information

The Limited Liability Company Guidebook

The Limited Liability Company Guidebook The Limited Liability Company Guidebook Copyright 2017, Breglio Law Office, LLC Breglio Law Office 234 E 2100 South Salt Lake City, UT 84115 (801) 560-2180 admin@bregliolaw.com Thanks for taking some time

More information

Frequently Asked Questions

Frequently Asked Questions Frequently Asked Questions October 2018 Welcome As you are now a pensioner of the ICI Pension Fund, we are sending you this Frequently Asked Questions leaflet which will hopefully answer any questions

More information

Aon Retiree Health Exchange Transition Guide

Aon Retiree Health Exchange Transition Guide Aon Retiree Health Exchange Transition Guide New Health Care Coverage Options and Resources for Medicare-Eligible Retirees, Survivors, Long Term Disability Participants and Their Eligible Dependents. Welcome

More information

Understanding pensions. A guide for people living with a terminal illness and their families

Understanding pensions. A guide for people living with a terminal illness and their families Understanding pensions A guide for people living with a terminal illness and their families 2015-16 Introduction Some people find that they want to access their pension savings early when they re ill.

More information

BOARD MEMBERS. District No. 2 Thomas Kosich, President May 2018 AGENDA

BOARD MEMBERS. District No. 2 Thomas Kosich, President May 2018 AGENDA BASE VILLAGE METROPOLITAN DISTRICT NO. 2 REGULAR MEETING Wednesday, September 6, 2017 at 12:00 PM Capitol Peak Conference Center 110 Carriage Way Snowmass Village, Colorado BOARD MEMBERS District No. 2

More information

IR 313 April Buying and selling residential property. What you need to know about your tax obligations

IR 313 April Buying and selling residential property. What you need to know about your tax obligations IR 313 April 2011 Buying and selling residential property What you need to know about your tax obligations 2 Buying and selling residential property www.ird.govt.nz Go to our website for information, services

More information

THE FOLLOWING PUBLIC CORRESPONDENCE WAS RECEIVED BY THE CITY COUNCIL FOLLOWING POSTING OF THE AGENDA

THE FOLLOWING PUBLIC CORRESPONDENCE WAS RECEIVED BY THE CITY COUNCIL FOLLOWING POSTING OF THE AGENDA AGENDA NO: A-1 thru A-4 MEETING DATE: November 14, 2017 THE FOLLOWING PUBLIC CORRESPONDENCE WAS RECEIVED BY THE CITY COUNCIL FOLLOWING POSTING OF THE AGENDA Dana Swanson From: betty winholtz Tuesday, November

More information

TRICKS OF THE TRADE HOW YOUR AUTO INSURANCE COMPANY DEVALUES YOUR INJURY CLAIM

TRICKS OF THE TRADE HOW YOUR AUTO INSURANCE COMPANY DEVALUES YOUR INJURY CLAIM THE CARLSON LAW FIRM TRICKS OF THE TRADE HOW YOUR AUTO INSURANCE COMPANY DEVALUES YOUR INJURY CLAIM 01 WHAT WE KNOW We hear it all the time, you don t need to hire an attorney after a car crash or I didn

More information

Your guide to saving for retirement The Trust Guide

Your guide to saving for retirement The Trust Guide Your guide to saving for retirement The Trust Guide Saving for your future Aims of the Trustee Board It s important to consider your needs and goals for retirement as early as you can, so you have the

More information

Budget Summary and Budget Hearing

Budget Summary and Budget Hearing : By Claire Silverman, League Legal Counsel All municipalities must prepare an annual budget. Although time periods vary depending on a municipality s process, the budget process typically commences in

More information

Copyright 2015 Wilma G. Anderson, RFC. Retirement Freedom

Copyright 2015 Wilma G. Anderson, RFC. Retirement Freedom Retirement Freedom Don t Leave Your Retirement Behind! Let s face it. The financial landscape for retirees has shifted dramatically over the last few decades. Gone are the days when a nice pension was

More information

Evidence of Coverage:

Evidence of Coverage: January 1 December 31, 2018 Evidence of Coverage: Your Medicare Health Benefits and Services and Prescription Drug Coverage as a Member of Health Net Gold Select (HMO) This booklet gives you the details

More information

Flexible Trust - Settlor as trustee with optional survivorship clause. Your questions answered

Flexible Trust - Settlor as trustee with optional survivorship clause. Your questions answered Flexible Trust - Settlor as trustee with optional survivorship clause Flexible Trust - Settlor as trustee with optional survivorship clause Understanding trusts and their implications can be pretty complicated.

More information

MOTIONS AND RESOLUTIONS BOARD OF TRUSTEES MEETING APRIL 24, 2008

MOTIONS AND RESOLUTIONS BOARD OF TRUSTEES MEETING APRIL 24, 2008 MOTIONS AND RESOLUTIONS BOARD OF TRUSTEES MEETING APRIL 24, 2008 Trustee Rumbold moved to adopt Resolution No. 19-07-08, Health Benefits. Seconded by Deputy Mayor Matise. On roll call Deputy Mayor Matise

More information

Your helpful life insurance guide: Starting your career

Your helpful life insurance guide: Starting your career Your helpful life insurance guide: Starting your career As you start your career, there are some important things you should know about life insurance. At Amica Life, we believe helpfulness is what life

More information

1 ANDREW MARR SHOW, JOHN McDONNELL, 20 TH NOVEMBER, 2016

1 ANDREW MARR SHOW, JOHN McDONNELL, 20 TH NOVEMBER, 2016 1 ANDREW MARR SHOW, 20 TH NOV 2016 RT HON JOHN McDONNELL AM: I m joined by one of the Queen s Privy Councillors. The former republican firebrand and now Shadow Chancellor, John McDonnell. Congratulations

More information

DECISION. 1 The complainant, Ms JN, first made a complaint to the Tolling Customer Ombudsman (TCO) on 28 May 2012, as follows: 1

DECISION. 1 The complainant, Ms JN, first made a complaint to the Tolling Customer Ombudsman (TCO) on 28 May 2012, as follows: 1 DECISION Background 1 The complainant, Ms JN, first made a complaint to the Tolling Customer Ombudsman (TCO) on 28 May 2012, as follows: 1 My name is [JN] govia account ****170. I live in [Town, State].

More information

Early Delinquency Intervention: Saving Your Home From Foreclosure

Early Delinquency Intervention: Saving Your Home From Foreclosure Early Delinquency Intervention: Saving Your Home From Foreclosure There are many circumstances in a homeowner s life that could result in missed mortgage payments: unexpected expenses, loss of overtime,

More information

DECISIONS Lindsay Pope, Trustee Support

DECISIONS Lindsay Pope, Trustee Support MANAGING DECISIONS Lindsay Pope, Trustee Support Henry Stokes: I m Henry Stokes, Managing Solicitor Northern Region at Public Trust. I m pleased to introduce Lindsay Pope, the creator of 10 Minute Trustee

More information

Guaranteed Pension Annuity

Guaranteed Pension Annuity Guaranteed Pension Annuity Key Features Please read this document along with your personal illustration (if you have one) before you decide to buy this plan. It s important you understand how the Guaranteed

More information

Early Delinquency Intervention SAVING YOUR HOME FROM FORECLOSURE

Early Delinquency Intervention SAVING YOUR HOME FROM FORECLOSURE Early Delinquency Intervention SAVING YOUR HOME FROM FORECLOSURE BALANCE offers a variety of free and low-cost services to help you get out of debt, design a money management plan, and achieve your financial

More information

SALES TAX INFORMATION GUIDE. Town of Snowmass Village P.O. Box 5010 Snowmass Village, CO (970)

SALES TAX INFORMATION GUIDE. Town of Snowmass Village P.O. Box 5010 Snowmass Village, CO (970) SALES TA INFORMATION GUIDE Town of Snowmass Village P.O. Box 5010 Snowmass Village, CO 81615 www.tosv.com (970) 923-3796 Table of Contents *You will be taken directly to any section in this document by

More information

Financial Transaction Service

Financial Transaction Service Financial Transaction Service Local Planning Authority FAQs Version: 11 Date: 28/9/18 Contents What is changing?... 4 Why are you introducing this service?... 4 When will the service launch?... 4 What

More information

Key Features of the Prudential Stakeholder Pension Plan

Key Features of the Prudential Stakeholder Pension Plan Key Features of the Prudential Stakeholder Pension Plan Please read this document along with your personal illustration (if you have one) before you decide to buy this plan. It s important you understand

More information

Town of Franklin Board of Aldermen Special Called Meeting Agenda Tuesday October 20, :30 p.m. 1. Call to Order- Mayor Bob Scott

Town of Franklin Board of Aldermen Special Called Meeting Agenda Tuesday October 20, :30 p.m. 1. Call to Order- Mayor Bob Scott Town of Franklin Board of Aldermen Special Called Meeting Agenda Tuesday October 20, 2015 5:30 p.m. 1. Call to Order- Mayor Bob Scott 2. Pledge of Allegiance- Vice Mayor Verlin Curtis 3. New Business A.)

More information

Also Present: Malcolm O Hara, Attorney for the Town and Joe Patricke, Building Inspector.

Also Present: Malcolm O Hara, Attorney for the Town and Joe Patricke, Building Inspector. Acting Chairman Bergman called the meeting to order at 7:00 p.m. Present: Erik Bergman Keith Oborne Chris Barden John Arnold David Paska Linda Riggi Ronald Zimmerman Tricia Andrews Acting Chairman Alternate

More information

Telefónica UK Pension Plan

Telefónica UK Pension Plan Telefónica UK Pension Plan 2018 Summary Funding Statement We are pleased to give members an update for 2018 on how the funding of the above Plan is going. Please note that this statement relates to the

More information

Western Power Distribution: consumerled pension strategy

Western Power Distribution: consumerled pension strategy www.pwc.com Western Power Distribution: consumerled pension strategy Workstream 3: Stakeholder engagement Phase 2 Domestic and Business bill-payers focus groups October 2016 Contents Workstream overview

More information

VILLAGE OF HASTINGS-ON-HUDSON, NEW YORK BOARD OF TRUSTEES PUBLIC HEARING NOVEMBER 1, 2016

VILLAGE OF HASTINGS-ON-HUDSON, NEW YORK BOARD OF TRUSTEES PUBLIC HEARING NOVEMBER 1, 2016 VILLAGE OF HASTINGS-ON-HUDSON, NEW YORK BOARD OF TRUSTEES A Public Hearing was held by the Board of Trustees on Tuesday, November 1, 2016 at 7:33 p.m. in the Meeting Room, Municipal Building, 7 Maple Avenue.

More information

Mistakes and overpayments

Mistakes and overpayments Contacting us There are lots of ways you can contact us. Pensions Helpline 0300 123 1047 (Monday- Friday 9:00am- 5:00pm) Web chat live www.pensionsadvisoryservice.org.uk Online enquiry form www.pensionsadvisoryservice.org.uk/online-enquiry

More information

Pensions Dispute FAQ s

Pensions Dispute FAQ s Pensions Dispute FAQ s 1. Why are we striking? 2. What stage are negotiations at? 3. The negotiations are still under way and we don t know the final proposals or exact changes yet, so why strike now?

More information

THE METAL BOX PENSION SCHEME. Proposed Pension Changes

THE METAL BOX PENSION SCHEME. Proposed Pension Changes THE METAL BOX PENSION SCHEME Proposed Pension Changes 1 Welcome We have sent you this information pack because you are currently an active member of The Metal Box Pension Scheme (the Scheme) or the Metal

More information

DO YOU OWE FINES AND COSTS TO A COURT OF COMMON PLEAS?

DO YOU OWE FINES AND COSTS TO A COURT OF COMMON PLEAS? DO YOU OWE FINES AND COSTS TO A COURT OF COMMON PLEAS? If a Court of Common Pleas found you guilty of a criminal offense (or guilty if you appealed a summary case from a district court), you owe money

More information

KEY FEATURES OF LEGAL & GENERAL S PENSION ANNUITY.

KEY FEATURES OF LEGAL & GENERAL S PENSION ANNUITY. PENSION ANNUITIES KEY FEATURES OF LEGAL & GENERAL S PENSION ANNUITY. HELPING YOU MAKE THE RIGHT DECISIONS FOR YOUR FUTURE This is an important document that you should keep in a safe place. 02 KEY FEATURES

More information

Your helpful life insurance guide: Empty nesting

Your helpful life insurance guide: Empty nesting Your helpful life insurance guide: Empty nesting As your kids grow up and leave the house, life insurance should still be a part of your plan going forward. Amica Life can help you determine if you have

More information

Pension Portfolio J26372_LF10207_0318.indd 1 05/03/18 6:39 am

Pension Portfolio J26372_LF10207_0318.indd 1 05/03/18 6:39 am Pension Portfolio could be the perfect home for your pension. It allows you to take full advantage of the pension freedoms. Pension Portfolio has two options - Core and Choice - which are designed to meet

More information

Your investment choices and charges. Explaining the investment options and charges for our Group Self Invested Personal Pension

Your investment choices and charges. Explaining the investment options and charges for our Group Self Invested Personal Pension Your investment choices and charges Explaining the investment options and charges for our Group Self Invested Personal Pension Contents 02 Level 1 investments 04 Level 2 investments 06 Level 3 investments

More information

What To Do With an Expected Inheritance

What To Do With an Expected Inheritance What To Do With an Expected Inheritance The comments section of this blog, the forum, and my email box are a constant source of good material to write about. This one came via an email back in April. Q.

More information

IMPORTANT DOCUMENT PLEASE READ WESLEYAN FLEXIBLE SAVINGS PLAN

IMPORTANT DOCUMENT PLEASE READ WESLEYAN FLEXIBLE SAVINGS PLAN IMPORTANT DOCUMENT PLEASE READ WESLEYAN FLEXIBLE SAVINGS PLAN FOR PLANS ISSUED FROM 1 JANUARY 2013 02 Flexible Savings Plan KEY FEATURES OF THE FLEXIBLE SAVINGS PLAN The Financial Conduct Authority is

More information

KEY FEATURES OF LEGAL & GENERAL S PENSION ANNUITY.

KEY FEATURES OF LEGAL & GENERAL S PENSION ANNUITY. PENSION ANNUITIES KEY FEATURES OF LEGAL & GENERAL S PENSION ANNUITY. HELPING YOU MAKE THE RIGHT DECISIONS FOR YOUR FUTURE This is an important document that you should keep in a safe place. 02 KEY FEATURES

More information

Transferring your pension

Transferring your pension October 2013 Contact Details We can be contacted at: The Pensions Advisory Service 11 Belgrave Road London SW1V 1RB Helpline 0845 601 2923 General Office 020 7630 2250 Fax 020 7592 7000 For enquiries,

More information

Your helpful life insurance guide: Life insurance claims

Your helpful life insurance guide: Life insurance claims Your helpful life insurance guide: Life insurance claims You may have some questions about what your loved ones would need to do in the event of making a life insurance claim. At Amica Life, we believe

More information

GUIDE TO DISPUTING PROPERTY TAXES

GUIDE TO DISPUTING PROPERTY TAXES GUIDE TO DISPUTING PROPERTY TAXES Are you in the 60% of people overpaying? Dispute your property taxes If you re the average homeowner, you may pay $2,149 in annual property taxes. When is it in your

More information

2016 AARP Arizona Voter Retirement Security Survey Annotation

2016 AARP Arizona Voter Retirement Security Survey Annotation 2016 AARP Arizona Voter Retirement Security Survey Annotation Registered Voters Age 35-70 Sampling Questions 1. Age of Respondents [35-70 Registered Voters] 35-49 37.3% 50-64 44.8% 65-70 17.9% 2. Are you

More information

Workplace pensions AUTO ENROLMENT HAS TAKEN OFF

Workplace pensions AUTO ENROLMENT HAS TAKEN OFF Workplace pensions AUTO ENROLMENT HAS TAKEN OFF INTRODUCTION The Government introduced auto enrolment to help more people save for their future. It means your employer will have to give you access to a

More information

Terms and Conditions of the Cofunds Platform

Terms and Conditions of the Cofunds Platform SELF-DIRECTED Terms and Conditions of the Cofunds Platform You must take time to read through this booklet, as this is a legal contract between you and Cofunds. Version 0118SDE Issued and approved by Cofunds

More information

About. Direct Payments

About. Direct Payments About Direct Payments March 2017 2 About Direct Payments 3 The purpose of this booklet is to offer advice and information to anyone receiving a direct payment or for people considering taking a direct

More information

FAQ. Jump to. How does one Finch? Signing Up. Pay and Request. Tabs. Bank Transfers. Bank Account and Cards. Account Settings and Security

FAQ. Jump to. How does one Finch? Signing Up. Pay and Request. Tabs. Bank Transfers. Bank Account and Cards. Account Settings and Security FAQ How does one Finch? Jump to Signing Up Pay and Request Tabs Bank Transfers Bank Account and Cards Account Settings and Security Signing Up Having trouble getting started? Where can I sign up? You can

More information

DMP or IVA? LET S TALK. payplan.com FOLLOW US. We ll help you decide if a Debt Management Plan or an Individual Voluntary Arrangement is right for you

DMP or IVA? LET S TALK. payplan.com FOLLOW US. We ll help you decide if a Debt Management Plan or an Individual Voluntary Arrangement is right for you LET S TALK Call us free on 0800 716 239 (0800 numbers are now free from landlines and mobiles) We re open 8am 9pm weekdays and 9am 3pm Saturdays Email our advisers, advice@payplan.com payplan.com DMP or

More information

Home Renovations and Repair

Home Renovations and Repair Home Renovations and Repair June 2005 This tipsheet is intended to provide general information and is not a substitute for legal advice. This tipsheet has two parts: general information about hiring any

More information

Human-Centric Investing Podcast

Human-Centric Investing Podcast Human-Centric Investing Podcast November 2, 2018 Episode 22: Retirement Plan Trends: Interview with Patrick Murphy, CEO at John Hancock Retirement Plan Services (Part Two) Host: John Diehl, Sr. Vice President,

More information

MINUTES OF THE SPECIAL MEETING SECOND AND FINAL PUBLIC TAX HEARING BOARD OF COMMISSIONERS NORTH BROWARD HOSPITAL DISTRICT September 28, :30 p.m.

MINUTES OF THE SPECIAL MEETING SECOND AND FINAL PUBLIC TAX HEARING BOARD OF COMMISSIONERS NORTH BROWARD HOSPITAL DISTRICT September 28, :30 p.m. MINUTES OF THE SPECIAL MEETING SECOND AND FINAL PUBLIC TAX HEARING BOARD OF COMMISSIONERS NORTH BROWARD HOSPITAL DISTRICT September 28, 2016 5:30 p.m. The Special Meeting of the Board of Commissioners

More information

Your investment choices and charges. Explaining the investment options and charges for our Active Money Self Invested Personal Pension

Your investment choices and charges. Explaining the investment options and charges for our Active Money Self Invested Personal Pension Your investment choices and charges Explaining the investment options and charges for our Active Money Self Invested Personal Pension Contents 02 Level 1 investments 04 Level 2 investments 06 Level 3 investments

More information

Important information. Key Features of the Group AVC Plan

Important information. Key Features of the Group AVC Plan Important information Key Features of the Group AVC Plan > Contents About this booklet 4 About our Group AVC Plan 5 Its aim 6 Your commitment 6 Risks 7 Questions and Answers Your Group AVC Plan 8 How much

More information

TITLE CARD: WHAT HAPPENS ONCE A FORECLOSURE LAWSUIT IS FILED?

TITLE CARD: WHAT HAPPENS ONCE A FORECLOSURE LAWSUIT IS FILED? TITLE CARD: WHAT HAPPENS ONCE A FORECLOSURE LAWSUIT IS FILED? TITLE CARD: INTRODUCTION INT. COURTHOUSE DAY The PRESENTER faces the camera. PRESENTER Hello. This video will teach you about what happens

More information

Tesco Bank Instant Access Cash ISA Terms and Conditions; and

Tesco Bank Instant Access Cash ISA Terms and Conditions; and Savings Changes to our: Tesco Bank Instant Access Cash ISA Terms and Conditions; and Tesco Bank Junior Cash ISA Terms and Conditions What s in this leaflet? We re letting you know about some important

More information

Solterra: Fossil Ridge Districts 1, 2 and 3 History, Operation and Issues

Solterra: Fossil Ridge Districts 1, 2 and 3 History, Operation and Issues Solterra: Fossil Ridge Districts 1, 2 and 3 History, Operation and Issues 1 The following paper is an effort to mine information out of the numerous documents about Fossil Ridge Districts 1, 2 and 3 and

More information

KEY FEATURES OF LEGAL & GENERAL S PENSION ANNUITY.

KEY FEATURES OF LEGAL & GENERAL S PENSION ANNUITY. PENSION ANNUITIES KEY FEATURES OF LEGAL & GENERAL S PENSION ANNUITY. HELPING YOU MAKE THE RIGHT DECISIONS FOR YOUR FUTURE This is an important document that you should keep in a safe place. 02 KEY FEATURES

More information

IDA DSS CONFERENCE ROOM INDIAN LAKE, NY MARCH 9, The meeting was called to order at 1:00 P.M. with the following members present:

IDA DSS CONFERENCE ROOM INDIAN LAKE, NY MARCH 9, The meeting was called to order at 1:00 P.M. with the following members present: IDA DSS CONFERENCE ROOM INDIAN LAKE, NY MARCH 9, 2010 The meeting was called to order at 1:00 P.M. with the following members present: Brian Towers, Chairman William Farber Fred Fink William Faro Robin

More information

Stakeholder pensions and decision trees

Stakeholder pensions and decision trees Stakeholder pensions and decision trees How stakeholder pensions work and when they are a good choice for saving for retirement The options available Things to consider Deciding if a stakeholder pension

More information

Almost everyone is familiar with the

Almost everyone is familiar with the Prosperity: Just How Good Has It Been for the Labor Market? Investing Public Funds in the 21st Century Seminar Co-sponsored by the Missouri State Treasurer, the Missouri Municipal League, GFOA of Missouri,

More information

We will continue to monitor this subject. Watch for future issues of this Pension Matters newsletter for more updates.

We will continue to monitor this subject. Watch for future issues of this Pension Matters newsletter for more updates. Issue 10 December 2015 Are you interested in learning more about what s happening with the ESA Pension Plan? This newsletter is a great source of information on our Pension Plan as well as the Canadian

More information

Your helpful life insurance guide: The basics

Your helpful life insurance guide: The basics Your helpful life insurance guide: The basics 1 When it comes to life insurance, you may need help when it comes to making an informed decision. At Amica Life, we believe helpfulness is what life is all

More information

Help During Tax Season

Help During Tax Season FAQs for 2019 Tax Season (for filing 2018 tax returns) Help During Tax Season Page 1: What is Form 1095-A? How can I find my Form 1095-A? Why do I need Form 1095-A? What should I do with my Form 1095-A?

More information

Power of Attorney Packages

Power of Attorney Packages Power of Attorney Packages How can our Power of Attorney Packages help your business? We all know that errors means money lost. With our POA instruction, an Order Summary is automatically produced to ensure

More information

SF318MAY2018 Page 1 of 5. Authorisation for a Manual Transfer to a Current Account ( Transfer )

SF318MAY2018 Page 1 of 5. Authorisation for a Manual Transfer to a Current Account ( Transfer ) Authorisation for a Manual Transfer to a Current Account ( Transfer ) Use this Form to transfer to a Nationwide current account from one of the following: a current account with another UK bank or building

More information

A VERY QUICK GUIDE TO MEMBERS VOLUNTARY LIQUIDATION

A VERY QUICK GUIDE TO MEMBERS VOLUNTARY LIQUIDATION A VERY QUICK GUIDE TO MEMBERS VOLUNTARY LIQUIDATION DAVID KIRK KIRKS INSOLVENCY CONTENTS 3 Why use a Members Voluntary Liquidation? 4 The tax issues to consider on a Members Voluntary Liquidation. 5 What

More information

This is the Human-Centric Investing Podcast with John Diehl, where we look at the world of investing for the eyes of our clients. Take it away, John.

This is the Human-Centric Investing Podcast with John Diehl, where we look at the world of investing for the eyes of our clients. Take it away, John. Human-Centric Investing Podcast February 2, 2019 Episode 25, Social Security: How will benefits be taxed? Host: John Diehl, John Diehl, Sr. Vice President, Strategic Markets, Hartford Funds Featured Guest:

More information

A GUIDE TO PREPAYMENT METERS. What's in this guide? Meter reads. What are prepayment meters? Home moves

A GUIDE TO PREPAYMENT METERS. What's in this guide?   Meter reads. What are prepayment meters? Home moves A GUIDE TO PREPAYMENT METERS What's in this guide? What are prepayment meters? Getting a prepayment meter installed Your Green Star Energy key or card How to read your meter Emergency credit Meter reads

More information

Automatic Enrolment Frequently Asked Questions

Automatic Enrolment Frequently Asked Questions Automatic Enrolment Frequently Asked Questions This guide answers some of the questions you may have about automatic enrolment, workplace pensions and True Potential Investor. Contents Q 01 Q 02 Q 03 Q

More information

Further information about your mortgage

Further information about your mortgage Further information about your mortgage This booklet explains how we now manage your mortgage. It also explains how we managed your account before we made changes. The booklet does not set out to explain

More information

KEY FEATURES OF LEGAL & GENERAL S PENSION ANNUITY.

KEY FEATURES OF LEGAL & GENERAL S PENSION ANNUITY. PENSION ANNUITIES KEY FEATURES OF LEGAL & GENERAL S PENSION ANNUITY. HELPING YOU MAKE THE RIGHT DECISIONS FOR YOUR FUTURE This is an important document that you should keep in a safe place. 02 KEY FEATURES

More information

24-HOUR GRACE. Learn all the details about how it works

24-HOUR GRACE. Learn all the details about how it works 2-HOUR Learn all the details about how it works 2-HOUR How does 2-Hour Grace help? When your account is overdrawn, 1 2-Hour Grace gives you more time to make a deposit to bring your account positive and

More information

STEP BY STEP GUIDE TO BECOMING A CONTRACTOR

STEP BY STEP GUIDE TO BECOMING A CONTRACTOR STEP BY STEP GUIDE TO BECOMING A CONTRACTOR EVERYTHING YOU NEED TO KNOW ABOUT BECOMING A CONTRACTOR BROKEN INTO SIMPLE STEPS CONTENTS 1. Who are we?... 3 2. What exactly is a contractor?... 4 3. Deciding

More information

Joel Gerber Brannen, Searcy & Smith, LLP

Joel Gerber Brannen, Searcy & Smith, LLP THE CLOSING PROCESS Joel Gerber Brannen, Searcy & Smith, LLP 22 East 34th Street, Savannah, GA 31401 SavannahRealEstateLawyer.com jgerber@brannenlaw.com 912-484-1996 What is a closing and what does the

More information

Evidence of Coverage:

Evidence of Coverage: January 1 December 31, 2018 Evidence of Coverage: Your Medicare Health Benefits and Services and Prescription Drug Coverage as a Member of AvMed Medicare Choice Broward County (HMO) This booklet gives

More information

Evidence of Coverage:

Evidence of Coverage: January 1 December 31, 2018 Evidence of Coverage: Your Medicare Health Benefits and Services and Prescription Drug Coverage as a Member of Bright Advantage HMO This booklet gives you the details about

More information

THE COLORADO WAY. How Your Vote Can Create Widespread Economic Prosperity

THE COLORADO WAY. How Your Vote Can Create Widespread Economic Prosperity THE COLORADO WAY How Your Vote Can Create Widespread Economic Prosperity Colorado Fiscal Institute 1. Introduction Colorado is a special place to call home. Between our incredible landscape, diverse communities,

More information

Yavapai Unified Employee Benefit Trust Regular Meeting September 1, 2015 Prescott Unified School District Conference Room A

Yavapai Unified Employee Benefit Trust Regular Meeting September 1, 2015 Prescott Unified School District Conference Room A Yavapai Unified Employee Benefit Trust Regular Meeting September 1, 2015 Prescott Unified School District Conference Room A A regular meeting of the Yavapai Unified Employee Benefit Board of Trustees was

More information

Newsletter Pensions Newsletter 2013

Newsletter Pensions Newsletter 2013 Newsletter 2013 Pensions Newsletter 2013 North East Scotland Pension Fund Welcome to your Newsletter 2013 Newsletter 2013 We have tried to address the most common queries raised by pensioners and hope

More information

Evidence of Coverage:

Evidence of Coverage: January 1 December 31, 2018 Evidence of Coverage: Your Medicare Health Benefits and Services and Prescription Drug Coverage as a Member of Bright Advantage Plus HMO This booklet gives you the details about

More information

This presentation is part of a three part series.

This presentation is part of a three part series. As a club treasurer, you ll have certain tasks you ll be performing each month to keep your clubs financial records. In tonights presentation, we ll cover the basics of how you should perform these. Monthly

More information

LOOK FORWARD TO MORE CHOICE MORE FREEDOM. A guide to Income Release. Pension Portfolio

LOOK FORWARD TO MORE CHOICE MORE FREEDOM. A guide to Income Release. Pension Portfolio LOOK FORWARD TO MORE CHOICE MORE FREEDOM Pension Portfolio A guide to Income Release 2 A GUIDE TO INCOME RELEASE CONTENTS 03 Welcome A few words from our CEO 06 Share our success How your ProfitShare works

More information

Key Features of the Prudential Group Personal Pension Plan The Prudential (2000) Personal Pension Scheme

Key Features of the Prudential Group Personal Pension Plan The Prudential (2000) Personal Pension Scheme Key Features of the Prudential Group Personal Pension Plan The Prudential (2000) Personal Pension Scheme Please read this document along with your personal illustration (if you have one) before you decide

More information

Jennifer Thomas Community Development Coordinator/Deputy City Recorder

Jennifer Thomas Community Development Coordinator/Deputy City Recorder 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 NORTH OGDEN PLANNING COMMISSION MEETING MINUTES March 7, 2012 The North

More information

Adding a bit extra. Your guide to investing your additional contributions

Adding a bit extra. Your guide to investing your additional contributions Adding a bit extra Your guide to investing your additional contributions About this guide You ll find a handy glossary at the back of this guide This guide explains how additional pension savings work,

More information

How to Control Your Own Destiny, Generate More Fees and Explode Your Wealth By Structuring Your Own Deals Using Little of Your Own Money WEALTH

How to Control Your Own Destiny, Generate More Fees and Explode Your Wealth By Structuring Your Own Deals Using Little of Your Own Money WEALTH How to Control Your Own Destiny, Generate More Fees and Explode Your Wealth By Structuring Your Own Deals Using Little of Your Own Money A Business Designed for Brokers That ll Increase Your Fees and Explode

More information

Theft and Hijack Insurance Policy Wording

Theft and Hijack Insurance Policy Wording Theft and Hijack Insurance Policy Wording Welcome to Drive and Save Your limited theft & hijack insurance. This product covers you for loss of your car due to theft or hijack where the car was not recovered

More information

Savings Accounts. Santander Savings Accounts User guide

Savings Accounts. Santander Savings Accounts User guide Savings Accounts 3 Santander Savings Accounts User guide Savings User guide Welcome to your Santander savings account Now that you have a Santander savings account or cash ISA we want to make it as easy

More information

COMBINE YOUR PENSIONS

COMBINE YOUR PENSIONS COMBINE YOUR PENSIONS PAGE 1 INTRODUCTION PAGE 2 WHY COMBINE MY PENSIONS WITH SCOTTISH WIDOWS? PAGE 3 ARE THERE ANY PENSIONS THAT CAN T BE COMBINED? PAGE 4 THINGS TO CONSIDER PAGE 8 USE ILLUSTRATIONS PAGE

More information

Guide to trusts. A brief guide to Trusts and our Trustbuilder tool

Guide to trusts. A brief guide to Trusts and our Trustbuilder tool Guide to trusts A brief guide to Trusts and our Trustbuilder tool A Brief guide to Trusts and our Trustbuilder tool Introduction This brief guide explains some of the main features and benefits of our

More information

La Plata County Ballot Measure Poll May 2015

La Plata County Ballot Measure Poll May 2015 480 likely voters in La Plata County Field: May 18 21, 2015 La Plata County Ballot Measure Poll May 2015 Hello, may I please I speak with name on the list? My name is name of interviewer. I m calling from

More information

Warehouse Money Visa Card Terms and Conditions

Warehouse Money Visa Card Terms and Conditions Warehouse Money Visa Card Terms and Conditions 1 01 Contents 1. About these terms 6 2. How to read this document 6 3. Managing your account online 6 4. Managing your account online things you need to

More information