Trivial lump sum R5.0

Size: px
Start display at page:

Download "Trivial lump sum R5.0"

Transcription

1 Optons form Once you have flled n ths form, please return t wth your orgnal brth certfcate to: Premer PO Box 2067 Croydon CR90 9ND. Fll n ths form usng BLOCK CAPITALS and black nk. Mark all answers wth an X. We wll already have sent you a quote, showng the possble trval lump sum avalable to you from ths penson. Ths optons form relates to that quote. Please provde your membershp reference number below, along wth your chosen retrement date. We cannot process your applcaton wthout ths nformaton. Please note that f you are marred or n a cvl partnershp, your husband, wfe or cvl partner also have to agree to ths trval lump sum beng pad by fllng n the declaraton on page 6. Membershp reference Your chosen retrement date If you choose to trvally commute a penson (take t as a cash lump sum), you have one year to complete ths process for all of your pensons. If you have never trvally commuted a penson before, and do so now, the retrement date you state below wll be your chosen nomnaton date for HM Revenue & Customs purposes. You then have one year from ths date to contact all of your other penson provders to commute your pensons (f ths s what you want to do). Trval lump sum quoted Please confrm the trval lump sum quoted on the llustraton. Ths amount could change f your date of retrement, the factors used to value the lump sum or the value of your money-purchase funds change. For your own beneft, we recommend you read your penson scheme s explanatory booklet before you decde how to take your penson. If you are not sure whether takng ths trval lump sum s n your nterests, you should take ndependent fnancal advce. R5V1 Page 1 of 8

2 About the retrement optons form You need to fll n ths form to confrm that you accept the retrement quotaton. Ths wll mean we can gve the trustees nformaton so they can start payng your penson. Please fll n all sectons of the form and return t to us, along wth your orgnal brth certfcate, by recorded delvery. If you choose to use the ed servce (see page 7) then you do not need to send us your brth certfcate. Parts of the opton form nclude questons set by HM Revenue & Customs whch you must answer. We cannot pay your benefts unless you answer all questons and sgn the declaraton at the end of the form. We can only accept your orgnal brth certfcate, not a copy. About you Your detals Mr, Mrs, Mss, Ms, Dr Frst names Surname Date of brth Sex Male Female Martal status Sngle Marred or n a cvl partnershp Dvorced or dssolved Separated Wdowed Date of marrage, dvorce, separaton or partner s death Address Postcode - Home phone Moble phone Emal address Natonal Insurance number Check my dentty usng ed Yes No - f you select no to ths opton then you must send ths form to us wth your orgnal brth certfcate. More nformaton on ed s provded on page 7. Page 2 of 8

3 Payment detals Please confrm the account detals of where you want to have your lump sum pad to. Ths must be an account of whch you are ether the only or jont account holder. Lump sum amount Name of bank or buldng socety Address of you bank or buldng socety Postcode Sort code Account number Account holders (names) Buldng socety roll number Only fll n the followng secton f you want your lump sum to be pad to an overseas bank account. All overseas payments wll be sent n sterlng and your local recevng bank wll be responsble for all currency exchanges, costs and commssons that may have to be pad. Overseas account detals Terms and condtons I confrm that I have read and accept the terms and condtons about payng pensons to overseas accounts. I agree to you takng the extra charges from my penson. Country Local currency Account holders (names) Bank SWIFT, BIC or ID IBAN (EEA only) Account number Bank name Bank address Page 3 of 8

4 R5.0 Trval lump sum Detals of your other pensons You wll not be able to take a trval lump sum f you have prevously swapped a small penson for a cash lump sum (trval commutaton) that would have been gven on or after 6 Aprl 2006 and that was pad more than ago. Queston 1 Have you ever taken all of a penson as a lump sum? Ignore any partal lump sums, we only want to know f you have gven up all of your penson for a lump sum n the past. No - go to queston 2. Yes - please fll n the followng secton wth detals of lump sums taken. Detals of lump sums pad to you Provde us wth detals below of each lump sum you have taken from each one of your penson schemes. Amount of lump sum pad Date lump sum pad to you Queston 2 Ignorng the State Penson, are you recevng any other pensons? You should gnore the State Penson and any husband s, wfe s, cvl partner s or dependants pensons beng pad to you. No - go to queston 3. Yes - please fll n the followng secton wth detals of your other pensons. Pensons currently beng pad to you Provde detals n ths secton of any pensons (other than the State Penson) beng pad to you now. Annual amount of penson Date penson pad from Queston 3 Have you ever transferred a penson out of the UK to another country? No - go to queston 4. Yes - please supply us wth a copy of your transfer statement showng the value and date of the transfer. Go to queston 4. Page 4 of 8

5 Detals of your other pensons Queston 4 Ignorng the state State penson, Penson, do do you have any other pensons that are not yet beng pad to pad you? to you? Ths ncludes amounts that you have bult up up n n personal pensons or or those wth another employer that have not yet come nto been payment. pad. No - go to declaraton. Yes - please fll n the followng secton wth detals of your other pensons. Pensons bult up elsewhere but not currently beng pad to you Provde detals n ths secton of any pensons (other than the State Penson) that you have bult up n other places. If you have more than three other pensons please provde ths same nformaton about your other pensons on a separate pece of paper and attach t to ths form when you send t back to us. 1. Frst other penson What type of penson s ths? Defned contrbuton (money purchase). Ths ncludes personal pensons. Current value of ths penson fund Defned beneft (fnal salary) Total annual value of ths penson 2. Second other penson What type of penson s ths? Defned contrbuton (money purchase). Ths ncludes personal pensons. Current value of ths penson fund Defned beneft (fnal salary) Total annual value of ths penson 3. Thrd other penson What type of penson s ths? Defned contrbuton (money purchase). Ths ncludes personal pensons. Current value of ths penson fund Defned beneft (fnal salary) Total annual value of ths penson Page 5 of 8

6 Declaraton Please remember that t s a serous offence to make false statements. The penaltes are severe and could lead to prosecuton. Important nformaton Usng your nformaton: We and the trustees take your prvacy very serously. We use the personal nformaton from ths form and any other nformaton that you gve us to: We and other organsatons may also access and use ths nformaton to prevent fraud and money launderng, for example, when processng a clam to pay benefts. 1. provde you wth products and servces and deal wth your enqures and requests; 2. handle your benefts, ncludng processng clams and makng payments; and 3. carry out market research and analyse statstcs. We do not share nformaton wth anyone else for marketng purposes. Dsclosures: We wll release your nformaton to other companes wthn the Premer Pensons Management group of companes, regulatory bodes, law-enforcement agences, future owners of our busness, supplers we employ to process nformaton on our behalf and, when necessary, to nsurance companes f an annuty s beng bought or benefts provded by them. To prevent fraud, when you make an applcaton we share your nformaton wth companes who carry out checks on your dentty. Ths sometmes ncludes a search of your credt records. Access: You have the rght to ask for a copy of your nformaton f you pay a small fee. To get a copy of your nformaton, please wrte to: Premer PO Box 2067 Croydon CR90 9ND. We wll check your detals wth fraud-preventon agences. If you gve false or naccurate nformaton and we dentfy fraud, we wll pass your detals to fraud-preventon agences. Law-enforcement agences may access and use ths nformaton. If you are marred or are n a cvl partnershp, your husband, wfe or cvl partner must also sgn the declaraton provded below. By acceptng the trval lump sum, you may be gvng up benefts that would have been pad to your next of kn when you de, so the trustees need to make sure everyone accepts gvng up all future clams for benefts from ths penson scheme. Sgned by you (the scheme member) Agreement I accept the trval lump sum payment as full and fnal settlement of all my penson benefts from ths penson scheme. In acceptng the trval lump sum, I understand that I wll gve up all rghts to any further benefts from ths penson scheme, both now and n the future, ncludng those of my next of kn f I de. Name (prnted) Sgnature and date X Sgned by your husband, wfe or cvl partner Does not apply Agreement Ths does not apply to my crcumstances. I accept the trval lump sum payment as full and fnal settlement of all current and future clams to benefts I may receve from ths penson scheme when my husband, wfe or cvl partner des. Name (prnted) Sgnature and date X Page 6 of 8

7 Informaton Electronc dentfcaton servce (ed) ed s Premer s electronc dentty checkng servce. If you choose to use ths servce then you do not need to send us your orgnal brth certfcate. If you want us to check your dentty electroncally tck the opton for ed on page 2 (your detals). Usng a range of UK publc regsters, and credt agency reports, we wll then automatcally verfy your dentty to make sure t matches our records. Ths process wll leave a search footprnt on your credt hstory record but wll not affect your credt ratng. All checks we perform wll be logged as ID check and these have no mpact on your credt ratng. Ths servce s only avalable to UK resdents. ed If you fal our onlne ID checks then you wll be asked to send your orgnal brth certfcate as well as evdence of your current home address. In agreeng to have your ID checked n ths way you are agreeng for us to share your personal nformaton wth thrd party dentfcaton search agences. You are also agreeng for us to perform a search aganst your credt record. If you would lke ths form n a dfferent format, such as large prnt, please contact us on or emal admn@premercompanes.co.uk. Page 7 of 8

8 Returnng your form Returnng your optons form Send to: If you are not usng the ed servce then Premer you need to return your form along PO Box 2067 wth your orgnal brth certfcate. Croydon We wll not accept photocopes or CR90 9ND copes certfed by a solctor or other professonal. More questons In all cases you must supply your If you have any questons about ths form orgnal certfcate. or need help fllng t n you can contact our admnstraton team. Lost or mssng brth certfcate? Onlne If you are not able to provde your brth certfcate, we wll accept your orgnal, premercompanes.co.uk/getntouch current, vald passport or photo drvng By phone lcence nstead or Returnng your certfcates By emal We wll return your orgnal certfcates admn@premercompanes.co.uk by recorded delvery wthn 48 hours of recevng them. When contactng us, please make sure that you quote the name of your penson Processng your optons scheme and your membershp reference It wll take about two weeks to number. process your optons. We wll wrte to you once your lump sum has been pad. premercompanes.co.uk Page 8 of 8

Small pots lump sum payment instruction

Small pots lump sum payment instruction For customers Small pots lump sum payment nstructon Please read these notes before completng ths nstructon About ths nstructon Use ths nstructon f you re an ndvdual wth Aegon Retrement Choces Self Invested

More information

Tuition Fee Loan application notes

Tuition Fee Loan application notes Tuton Fee Loan applcaton notes for new part-tme EU students 2012/13 About these notes These notes should be read along wth your Tuton Fee Loan applcaton form. The notes are splt nto three parts: Part 1

More information

Uncrystallised funds pension lump sum payment instruction

Uncrystallised funds pension lump sum payment instruction For customers Uncrystallsed funds penson lump sum payment nstructon Don t complete ths form f your wrapper s derved from a penson credt receved followng a dvorce where your ex spouse or cvl partner had

More information

Uncrystallised funds pension lump sum

Uncrystallised funds pension lump sum For customers Uncrystallsed funds penson lump sum Payment nstructon What does ths form do? Ths form nstructs us to pay the full penson fund, under your non-occupatonal penson scheme plan wth us, to you

More information

Local Business Starter Pack.

Local Business Starter Pack. Local Busness Starter Pack. Who should complete ths applcaton? If the busness s A company An assocaton (ncorporated or unncorporated) A partnershp A sole propretor or ndvdual A busness trust Ths form can

More information

How To Get A Tax Refund On A Retirement Account

How To Get A Tax Refund On A Retirement Account CED0105200808 Amerprse Fnancal Servces, Inc. 70400 Amerprse Fnancal Center Mnneapols, MN 55474 Incomng Account Transfer/Exchange/ Drect Rollover (Qualfed Plans Only) for Amerprse certfcates, Columba mutual

More information

Section 5.4 Annuities, Present Value, and Amortization

Section 5.4 Annuities, Present Value, and Amortization Secton 5.4 Annutes, Present Value, and Amortzaton Present Value In Secton 5.2, we saw that the present value of A dollars at nterest rate per perod for n perods s the amount that must be deposted today

More information

Effective December 2015

Effective December 2015 Annuty rates for all states EXCEPT: NY Prevous Index Annuty s effectve Wednesday, December 7 Global Multple Index Cap S&P Annual Pt to Pt Cap MLSB Annual Pt to Pt Spread MLSB 2Yr Pt to Pt Spread 3 (Annualzed)

More information

Hollinger Canadian Publishing Holdings Co. ( HCPH ) proceeding under the Companies Creditors Arrangement Act ( CCAA )

Hollinger Canadian Publishing Holdings Co. ( HCPH ) proceeding under the Companies Creditors Arrangement Act ( CCAA ) February 17, 2011 Andrew J. Hatnay ahatnay@kmlaw.ca Dear Sr/Madam: Re: Re: Hollnger Canadan Publshng Holdngs Co. ( HCPH ) proceedng under the Companes Credtors Arrangement Act ( CCAA ) Update on CCAA Proceedngs

More information

Effective September 2015

Effective September 2015 Annuty rates for all states EXCEPT: NY Lock Polces Prevous Prevous Sheet Feld Bulletns Index Annuty s effectve Monday, September 28 Global Multple Index Cap S&P Annual Pt to Pt Cap MLSB Annual Pt to Pt

More information

REQUIRED FOR YEAR END 31 MARCH 2015. Your business information

REQUIRED FOR YEAR END 31 MARCH 2015. Your business information REQUIRED FOR YEAR END 31 MARCH 2015 Your busness nformaton Your detals Busness detals Busness name Balance date IRD number Contact detals - to ensure our records are up to date, please complete the followng

More information

DISCLOSURES I. ELECTRONIC FUND TRANSFER DISCLOSURE (REGULATION E)... 2 ELECTRONIC DISCLOSURE AND ELECTRONIC SIGNATURE CONSENT... 7

DISCLOSURES I. ELECTRONIC FUND TRANSFER DISCLOSURE (REGULATION E)... 2 ELECTRONIC DISCLOSURE AND ELECTRONIC SIGNATURE CONSENT... 7 DISCLOSURES The Dsclosures set forth below may affect the accounts you have selected wth Bank Leum USA. Read these dsclosures carefully as they descrbe your rghts and oblgatons for the accounts and/or

More information

www.olr.ccli.com Introducing Online Reporting Your step-by-step guide to the new online copy report Online Reporting

www.olr.ccli.com Introducing Online Reporting Your step-by-step guide to the new online copy report Online Reporting Onlne Reportng Introducng Onlne Reportng www.olr.ccl.com Your step-by-step gude to the new onlne copy report Important nformaton for all lcence holders No more software to download Reportng as you go...

More information

How To Transfer A Death Clam

How To Transfer A Death Clam DOC0115140838 RverSource Lfe Insurance Company 70310 Amerprse Fnancal Center Mnneapols, MN 55474 Insurance and Annuty Death Clam Statement! Ths form s not elgble for electronc submsson. Please mal sgned

More information

Using Series to Analyze Financial Situations: Present Value

Using Series to Analyze Financial Situations: Present Value 2.8 Usng Seres to Analyze Fnancal Stuatons: Present Value In the prevous secton, you learned how to calculate the amount, or future value, of an ordnary smple annuty. The amount s the sum of the accumulated

More information

Death Claim Statement for RiverSource Life of NY Annuities Disability Income Life Insurance

Death Claim Statement for RiverSource Life of NY Annuities Disability Income Life Insurance DOC011838111 Servce address: RverSource Lfe Insurance Co. of New York 70500 Amerprse Fnancal Center Mnneapols, MN 55474 Death Clam Statement for RverSource Lfe of NY Annutes Dsablty Income Lfe Insurance

More information

Simple Interest Loans (Section 5.1) :

Simple Interest Loans (Section 5.1) : Chapter 5 Fnance The frst part of ths revew wll explan the dfferent nterest and nvestment equatons you learned n secton 5.1 through 5.4 of your textbook and go through several examples. The second part

More information

1.1 The University may award Higher Doctorate degrees as specified from time-to-time in UPR AS11 1.

1.1 The University may award Higher Doctorate degrees as specified from time-to-time in UPR AS11 1. HIGHER DOCTORATE DEGREES SUMMARY OF PRINCIPAL CHANGES General changes None Secton 3.2 Refer to text (Amendments to verson 03.0, UPR AS02 are shown n talcs.) 1 INTRODUCTION 1.1 The Unversty may award Hgher

More information

Account Transfer and Direct Rollover

Account Transfer and Direct Rollover CED0105 Amerprse Fnancal Servces, Inc. 70100 Amerprse Fnancal Center Mnneapols, MN 55474 Account Transfer and Drect Rollover Important: Before fnal submsson to the Home Offce you wll need a Reference Number.

More information

How To Get A Penson From Poland Or Canada

How To Get A Penson From Poland Or Canada Socal Insurance Insttuton PENSIONS FROM THE SOCIAL INSURANCE INSTITUTION ESTABLISHED ON THE BASIS OF THE AGREEMENT ON SOCIAL SECURITY BETWEEN POLAND AND CANADA Who s the leaflet addressed to? The leaflet

More information

Death Claim Statement for RiverSource Life of NY Annuities Disability Income Life Insurance

Death Claim Statement for RiverSource Life of NY Annuities Disability Income Life Insurance DOC011838111 Servce address: RverSource Lfe Insurance Co. of New York 70500 Amerprse Fnancal Center Mnneapols, MN 55474 Death Clam Statement for RverSource Lfe of NY Annutes Dsablty Income Lfe Insurance

More information

Change of Ownership/Annuitant

Change of Ownership/Annuitant DOC0114F120 Amerprse Fnancal Servces, Inc. 70100 Amerprse Fnancal Center Mnneapols, MN 55474 Change of Ownershp/Annutant For Brokerage platform products, you must frst create the applcable product account

More information

ADVERTISEMENT FOR THE POST OF DIRECTOR, lim TIRUCHIRAPPALLI

ADVERTISEMENT FOR THE POST OF DIRECTOR, lim TIRUCHIRAPPALLI ADVERTSEMENT FOR THE POST OF DRECTOR, lm TRUCHRAPPALL The ndan nsttute of Management Truchrappall (MT), establshed n 2011 n the regon of Taml Nadu s a leadng management school n nda. ts vson s "Preparng

More information

Social Insurance Institution

Social Insurance Institution Socal Insurance Insttuton PENSIONS FROM THE SOCIAL INSURANCE INSTITUTION ESTABLISHED ON THE BASIS OF THE AGREEMENT ON SOCIAL SECURITY BETWEEN THE REPUBLIC OF POLAND AND THE UNITED STATES OF AMERICA Who

More information

Section 2.2 Future Value of an Annuity

Section 2.2 Future Value of an Annuity Secton 2.2 Future Value of an Annuty Annuty s any sequence of equal perodc payments. Depost s equal payment each nterval There are two basc types of annutes. An annuty due requres that the frst payment

More information

www.gov.uk/studentfinance 2016/17

www.gov.uk/studentfinance 2016/17 www.gov.uk/studentfnance SECTION 1 WHAT SUPPORT CAN YOU GET? FEES, LOANS, GRANTS & MORE *Fgures shown n ths secton are based on the 2015/16 student fnance polcy and may change SECTION 1 TUITION FEES AND

More information

To manage leave, meeting institutional requirements and treating individual staff members fairly and consistently.

To manage leave, meeting institutional requirements and treating individual staff members fairly and consistently. Corporate Polces & Procedures Human Resources - Document CPP216 Leave Management Frst Produced: Current Verson: Past Revsons: Revew Cycle: Apples From: 09/09/09 26/10/12 09/09/09 3 years Immedately Authorsaton:

More information

EXTENDED FUNERAL COVER USER GUIDE AND CONTRACT

EXTENDED FUNERAL COVER USER GUIDE AND CONTRACT EXTENDED FUNERAL COVER USER GUIDE AND CONTRACT CONTENTS FAMILY FUNERAL COVER Provdng a dgnfed funeral 1 Structure 2 How does t work? 3 1 STEP 1: WHO CAN YOU INSURE? Who can you nsure? 5 Watng perods 9

More information

Section 2.3 Present Value of an Annuity; Amortization

Section 2.3 Present Value of an Annuity; Amortization Secton 2.3 Present Value of an Annuty; Amortzaton Prncpal Intal Value PV s the present value or present sum of the payments. PMT s the perodc payments. Gven r = 6% semannually, n order to wthdraw $1,000.00

More information

www.gov.uk/studentfinance 2015/16

www.gov.uk/studentfinance 2015/16 www.gov.uk/studentfnance SESSION CONTENTS Secton 1 Assess (Student Fnance ) Secton 2 Pay (Applcatons & Informaton) Secton 3 Repay (Student Loan Repayments) Secton 4 SFE Resources SECTION 1 THE STUDENT

More information

10.2 Future Value and Present Value of an Ordinary Simple Annuity

10.2 Future Value and Present Value of an Ordinary Simple Annuity 348 Chapter 10 Annutes 10.2 Future Value and Present Value of an Ordnary Smple Annuty In compound nterest, 'n' s the number of compoundng perods durng the term. In an ordnary smple annuty, payments are

More information

LIFETIME INCOME OPTIONS

LIFETIME INCOME OPTIONS LIFETIME INCOME OPTIONS May 2011 by: Marca S. Wagner, Esq. The Wagner Law Group A Professonal Corporaton 99 Summer Street, 13 th Floor Boston, MA 02110 Tel: (617) 357-5200 Fax: (617) 357-5250 www.ersa-lawyers.com

More information

Financial Mathemetics

Financial Mathemetics Fnancal Mathemetcs 15 Mathematcs Grade 12 Teacher Gude Fnancal Maths Seres Overvew In ths seres we am to show how Mathematcs can be used to support personal fnancal decsons. In ths seres we jon Tebogo,

More information

Section 5.3 Annuities, Future Value, and Sinking Funds

Section 5.3 Annuities, Future Value, and Sinking Funds Secton 5.3 Annutes, Future Value, and Snkng Funds Ordnary Annutes A sequence of equal payments made at equal perods of tme s called an annuty. The tme between payments s the payment perod, and the tme

More information

VRT012 User s guide V0.1. Address: Žirmūnų g. 27, Vilnius LT-09105, Phone: (370-5) 2127472, Fax: (370-5) 276 1380, Email: info@teltonika.

VRT012 User s guide V0.1. Address: Žirmūnų g. 27, Vilnius LT-09105, Phone: (370-5) 2127472, Fax: (370-5) 276 1380, Email: info@teltonika. VRT012 User s gude V0.1 Thank you for purchasng our product. We hope ths user-frendly devce wll be helpful n realsng your deas and brngng comfort to your lfe. Please take few mnutes to read ths manual

More information

Certificate No. 68613082 ONTARIO COURT (PROVINCIAL DIVISION) - versus - PAULO RAPOSO TRANSCRIPT OF PROCEEDINGS

Certificate No. 68613082 ONTARIO COURT (PROVINCIAL DIVISION) - versus - PAULO RAPOSO TRANSCRIPT OF PROCEEDINGS Certfcate No. 686182 ONTARIO COURT (PROVINCIAL DIVISION) HER MAJESTY THE QUEEN - versus - PAULO RAPOSO TRANSCRIPT OF PROCEEDINGS Heard before The Honourable Mr. Justce D. Cooper at Hamlton, Ontaro on Aprl

More information

A Secure Password-Authenticated Key Agreement Using Smart Cards

A Secure Password-Authenticated Key Agreement Using Smart Cards A Secure Password-Authentcated Key Agreement Usng Smart Cards Ka Chan 1, Wen-Chung Kuo 2 and Jn-Chou Cheng 3 1 Department of Computer and Informaton Scence, R.O.C. Mltary Academy, Kaohsung 83059, Tawan,

More information

SUMMARY OF RECENT EFFECTIVE (AND SOON TO BE EFFECTIVE) CHANGES TO CALIFORNIA CONSTRUCTION PAYMENT ENFORCEMENT STATUTES

SUMMARY OF RECENT EFFECTIVE (AND SOON TO BE EFFECTIVE) CHANGES TO CALIFORNIA CONSTRUCTION PAYMENT ENFORCEMENT STATUTES SUMMARY OF RECENT EFFECTIVE (AND SOON TO BE EFFECTIVE) CHANGES TO CALIFORNIA CONSTRUCTION PAYMENT ENFORCEMENT STATUTES Aprl 18, 2012 CHANGES EFFECTIVE JANUARY 1, 2011 FORMER CURRENT C.C. 3084.* C.C. 3084.

More information

VOLUME 7 SECTION 3A REGISTRATION OF COMPANIES CUSTOMER GUIDELINES BASED ON COMPANIES ACT 2004

VOLUME 7 SECTION 3A REGISTRATION OF COMPANIES CUSTOMER GUIDELINES BASED ON COMPANIES ACT 2004 regstraton of companes.qxp 02/05/2007 09:55 AM Page 1 VOLUME 7 SECTION 3A REGISTRATION OF COMPANIES CUSTOMER GUIDELINES BASED ON COMPANIES ACT 2004 The Responsblty of The Companes Offce of Jamaca (formerly

More information

First name Middle name Last name. Designation of Assessing Officer (Ward/Circle) Return filed under Section - [Please see instruction number-9(i)]

First name Middle name Last name. Designation of Assessing Officer (Ward/Circle) Return filed under Section - [Please see instruction number-9(i)] FORM SARAL-II (ITR-1) INDIAN INCOME TAX RETURN [For Indvduals havng Income from Salary / Penson / Income from One House Property (excludng loss brought forward from prevous years) / Income from Other Sources

More information

Time Value of Money. Types of Interest. Compounding and Discounting Single Sums. Page 1. Ch. 6 - The Time Value of Money. The Time Value of Money

Time Value of Money. Types of Interest. Compounding and Discounting Single Sums. Page 1. Ch. 6 - The Time Value of Money. The Time Value of Money Ch. 6 - The Tme Value of Money Tme Value of Money The Interest Rate Smple Interest Compound Interest Amortzng a Loan FIN21- Ahmed Y, Dasht TIME VALUE OF MONEY OR DISCOUNTED CASH FLOW ANALYSIS Very Important

More information

Finite Math Chapter 10: Study Guide and Solution to Problems

Finite Math Chapter 10: Study Guide and Solution to Problems Fnte Math Chapter 10: Study Gude and Soluton to Problems Basc Formulas and Concepts 10.1 Interest Basc Concepts Interest A fee a bank pays you for money you depost nto a savngs account. Prncpal P The amount

More information

Assurant Employee Benefits City of Frisco Dental DHMO & Dental PPO

Assurant Employee Benefits City of Frisco Dental DHMO & Dental PPO Assurant Employee Benefts Cty of Frsco Dental DHMO & Dental PPO Dental Health Goes Beyond Your Teeth Bad dental health mpacts overall health and ncreases the rsk for dabetes, heart dsease, and poor brth

More information

Dear AGWA Member, Sincerely, John G. Porter, Ph.D., CGW Executive Director

Dear AGWA Member, Sincerely, John G. Porter, Ph.D., CGW Executive Director PO Box 8481, Semnole FL 33775 Shppng Address: 12551 Indan Rocks Rd Sute 12, Largo FL 33774 Phone: 727-366-9334 Fax: 727-596-5192 Emal: CustomerServce@agwa.us Webste: www.agwa.us Dear AGWA Member, We are

More information

VOLUME 7 SECTION 4 JAMAICA S TAX REQUIREMENTS AND PROCEDURES

VOLUME 7 SECTION 4 JAMAICA S TAX REQUIREMENTS AND PROCEDURES Tax Requrements and Procedures.qxp 02/05/2007 10:24 AM Page 1 VOLUME 7 SECTION 4 JAMAICA S TAX REQUIREMENTS AND PROCEDURES The Responsblty of The Tax Admnstraton Drectorate Block G, 6th Floor Mnstry of

More information

Trust Deed UNISAVER NEW ZEALAND

Trust Deed UNISAVER NEW ZEALAND Trust Deed UNISAVER NEW ZEALAND Table of contents Partes...1 Background...1 Operatve Part...1 Covenants...2 1 Establshment of Scheme...2 2 Defntons and Interpretaton...2 3 Membershp...10 4 Contrbutons...10

More information

PENSIONS FROM ZUS ESTABLISHED UNDER THE AGREEMENT ON SOCIAL SECURITY BETWEEN POLAND AND AUSTRALIA

PENSIONS FROM ZUS ESTABLISHED UNDER THE AGREEMENT ON SOCIAL SECURITY BETWEEN POLAND AND AUSTRALIA Socal Insurance Insttuton PENSIONS FROM ZUS ESTABLISHED UNDER THE AGREEMENT ON SOCIAL SECURITY BETWEEN POLAND AND AUSTRALIA Legal bass for the coordnaton The Socal Securty Agreement between the Republc

More information

First name Middle name Last name PAN. Individual HUF Road/Street/Post Office Area/locality Date of Birth/Formation (DD/MM/YYYY)

First name Middle name Last name PAN. Individual HUF Road/Street/Post Office Area/locality Date of Birth/Formation (DD/MM/YYYY) TOTAL NCOME FLNG STATUS PERSONAL NFORMATON FORM TR-2 NDAN NCOME TAX RETURN [For ndvduals and HUFs not havng ncome from Busness or Professon] (Please see Rule 12 of the ncome-tax Rules,1962) (Also see attached

More information

An Alternative Way to Measure Private Equity Performance

An Alternative Way to Measure Private Equity Performance An Alternatve Way to Measure Prvate Equty Performance Peter Todd Parlux Investment Technology LLC Summary Internal Rate of Return (IRR) s probably the most common way to measure the performance of prvate

More information

How To Obtain Certified Copies Of Marriage And Divorce Records

How To Obtain Certified Copies Of Marriage And Divorce Records How To Obtan Certfed Copes Of Marrage And Dvorce Records Upon request, ths document wll be made avalable n Bralle, large prnt, and audocassette or computer dsk. To obtan a copy n one of these alternate

More information

Memorandum. New WIC Food Package Education for Moms & Infants

Memorandum. New WIC Food Package Education for Moms & Infants Memorandum TO: WIC Regonal Drectors #09-037 WIC Local Agency Drectors FROM: Lnda Brumble, Unt Manager (Orgnal Sgned) Nutrton Educaton/Clnc Servces Unt Nutrton Servces Secton DATE: March 6, 2009 SUBJECT:

More information

PENSIONS FROM ZUS ESTABLISHED ON THE BASIS OF THE AGREEMENT ON SOCIAL SECURITY BETWEEN POLAND AND THE UNITED STATES OF AMERICA

PENSIONS FROM ZUS ESTABLISHED ON THE BASIS OF THE AGREEMENT ON SOCIAL SECURITY BETWEEN POLAND AND THE UNITED STATES OF AMERICA Socal Insurance Insttuton PENSIONS FROM ZUS ESTABLISHED ON THE BASIS OF THE AGREEMENT ON SOCIAL SECURITY BETWEEN POLAND AND THE UNITED STATES OF AMERICA Legal Bass for the Coordnaton The agreement on socal

More information

DEFINING %COMPLETE IN MICROSOFT PROJECT

DEFINING %COMPLETE IN MICROSOFT PROJECT CelersSystems DEFINING %COMPLETE IN MICROSOFT PROJECT PREPARED BY James E Aksel, PMP, PMI-SP, MVP For Addtonal Informaton about Earned Value Management Systems and reportng, please contact: CelersSystems,

More information

Help is a tou ch of a button away. Telecare - keeping you safe and independent in your own home. i Personal emergency equipment

Help is a tou ch of a button away. Telecare - keeping you safe and independent in your own home. i Personal emergency equipment Help s a tou ch of a button away Telecare - keepng you safe and ndependent n your own home Personal emergency equpment 24/7 moble response - ncludng a dgnty savng lftng servce Professonal support Welcome

More information

. TITLE 37 INSURANCE PART XI CHAPTER 27: EMERGENCY - RULE 17 or DIRECTIVE 187

. TITLE 37 INSURANCE PART XI CHAPTER 27: EMERGENCY - RULE 17 or DIRECTIVE 187 . TTLE 37 NSURANCE PART X CHAPTER 27: EMERGENCY - RULE 17 or DRECTVE 187 SUSPENSON OF CERTAN STATUTES AND REGULATONS REGARDNG HEALTH NSURANCE.. ANDRELATEDPROVSONSREGARDNG ANY AND ALL NSURANC:EMATTERS AFFECTNG

More information

Texas Instruments 30X IIS Calculator

Texas Instruments 30X IIS Calculator Texas Instruments 30X IIS Calculator Keystrokes for the TI-30X IIS are shown for a few topcs n whch keystrokes are unque. Start by readng the Quk Start secton. Then, before begnnng a specfc unt of the

More information

MULTIVAC Customer Portal Your access to the MULTIVAC World

MULTIVAC Customer Portal Your access to the MULTIVAC World MULTIVAC Customer Portal Your access to the MULTIVAC World 2 Contents MULTIVAC Customer Portal Introducton 24/7 Accessblty Your ndvdual nformaton Smple and ntutve Helpful and up to date Your benefts at

More information

Capital International Global Equities Fund (Hedged)

Capital International Global Equities Fund (Hedged) Captal Internatonal Global Equtes Fund (Hedged) Product dsclosure statement Contents 1. About Captal Group Investment Management Lmted 2. How Global Equtes Fund (Hedged) works 3. Benefts of nvestng n Global

More information

benefit is 2, paid if the policyholder dies within the year, and probability of death within the year is ).

benefit is 2, paid if the policyholder dies within the year, and probability of death within the year is ). REVIEW OF RISK MANAGEMENT CONCEPTS LOSS DISTRIBUTIONS AND INSURANCE Loss and nsurance: When someone s subject to the rsk of ncurrng a fnancal loss, the loss s generally modeled usng a random varable or

More information

PRE COURSE ASSIGNMENT ALT COURSE ( This should be prepared in separate sheets bounded in one booklet presentable manner )

PRE COURSE ASSIGNMENT ALT COURSE ( This should be prepared in separate sheets bounded in one booklet presentable manner ) . THE BHARAT SCOUTS AND GUIDES, NATIONAL TRAINING CENTRE PACHMARHI { M.P. } 461881. Ph. No. 07578 252026 (O), 252153(R), Fax No. 07578 252541 E-Mal ntc@bsgnda.org ********************************************************************************************

More information

Lecture 3: Force of Interest, Real Interest Rate, Annuity

Lecture 3: Force of Interest, Real Interest Rate, Annuity Lecture 3: Force of Interest, Real Interest Rate, Annuty Goals: Study contnuous compoundng and force of nterest Dscuss real nterest rate Learn annuty-mmedate, and ts present value Study annuty-due, and

More information

PENSIONS FROM ZUS ESTABLISHED UNDER THE AGREEMENT ON SOCIAL SECURITY BETWEEN POLAND AND CANADA

PENSIONS FROM ZUS ESTABLISHED UNDER THE AGREEMENT ON SOCIAL SECURITY BETWEEN POLAND AND CANADA Socal Insurance Insttuton PENSIONS FROM ZUS ESTABLISHED UNDER THE AGREEMENT ON SOCIAL SECURITY BETWEEN POLAND AND CANADA Legal Bass for the Coordnaton The Agreement on Socal Securty between the Republc

More information

Lecture 3: Annuity. Study annuities whose payments form a geometric progression or a arithmetic progression.

Lecture 3: Annuity. Study annuities whose payments form a geometric progression or a arithmetic progression. Lecture 3: Annuty Goals: Learn contnuous annuty and perpetuty. Study annutes whose payments form a geometrc progresson or a arthmetc progresson. Dscuss yeld rates. Introduce Amortzaton Suggested Textbook

More information

0.02t if 0 t 3 δ t = 0.045 if 3 < t

0.02t if 0 t 3 δ t = 0.045 if 3 < t 1 Exam FM questons 1. (# 12, May 2001). Bruce and Robbe each open up new bank accounts at tme 0. Bruce deposts 100 nto hs bank account, and Robbe deposts 50 nto hs. Each account earns an annual effectve

More information

Vembu StoreGrid Windows Client Installation Guide

Vembu StoreGrid Windows Client Installation Guide Ser v cepr ov dered t on Cl enti nst al l at ongu de W ndows Vembu StoreGrd Wndows Clent Installaton Gude Download the Wndows nstaller, VembuStoreGrd_4_2_0_SP_Clent_Only.exe To nstall StoreGrd clent on

More information

Wiltshire Schools Finance Manual September 2008

Wiltshire Schools Finance Manual September 2008 SUMMARY OF CONTENTS 1. Regulaton and Control 1.1 General 1.2 Responsbltes of Chef Fnance Offcer 1.3 Responsbltes of Schools 1.4 Responsbltes of the Local Authorty 1.5 Ths Manual 2. Fnancal Management 2.1

More information

The Funeral Fund Offer Document

The Funeral Fund Offer Document Contact Detals Regstered Offce Level 5, 130 Lttle Collns Street Melbourne VIC 3000 The Funeral Fund Offer Document Issued 1 September 2015 Issued by The Untng Church n Australa Property Trust (Vctora)

More information

EXAMPLE PROBLEMS SOLVED USING THE SHARP EL-733A CALCULATOR

EXAMPLE PROBLEMS SOLVED USING THE SHARP EL-733A CALCULATOR EXAMPLE PROBLEMS SOLVED USING THE SHARP EL-733A CALCULATOR 8S CHAPTER 8 EXAMPLES EXAMPLE 8.4A THE INVESTMENT NEEDED TO REACH A PARTICULAR FUTURE VALUE What amount must you nvest now at 4% compoune monthly

More information

Hosted Voice Self Service Installation Guide

Hosted Voice Self Service Installation Guide Hosted Voce Self Servce Installaton Gude Contact us at 1-877-355-1501 learnmore@elnk.com www.earthlnk.com 2015 EarthLnk. Trademarks are property of ther respectve owners. All rghts reserved. 1071-07629

More information

Protection, assistance and human rights. Recommended Principles and Guidelines on Human Rights and Human Trafficking (E/2002/68/Add.

Protection, assistance and human rights. Recommended Principles and Guidelines on Human Rights and Human Trafficking (E/2002/68/Add. chapter 8 Vctm assstance 385 Tool 8.3 Protecton, assstance and human rghts Overvew Ths tool dscusses the human rghts consderatons whch must be borne n mnd n protectng and assstng vctms of traffckng. Recommended

More information

IT09 - Identity Management Policy

IT09 - Identity Management Policy IT09 - Identty Management Polcy Introducton 1 The Unersty needs to manage dentty accounts for all users of the Unersty s electronc systems and ensure that users hae an approprate leel of access to these

More information

Select Benefit Services Association. Membership Includes: Select Benefit Services Association

Select Benefit Services Association. Membership Includes: Select Benefit Services Association Select Beneft Servces Assocaton Membershp Includes: 24 HOUR ACCIDENT COVERAGE ACCIDENTAL DEATH AND DISMEMBERMENT BENEFITS LIFESTYLE DISCOUNTS AND SERVICES MEDICAL DISCOUNTS Select Beneft Servces Assocaton

More information

ELECTRADE POLICY PROPOSAL FORM

ELECTRADE POLICY PROPOSAL FORM ELECTRADE POLICY PROPOSAL FORM Please answer all questons, completng the form n nk usng block captals. The completon and sgnature of ths Proposal does not bnd the Proposer or Insurers to complete a contract

More information

10. (# 45, May 2001). At time t = 0, 1 is deposited into each of Fund X and Fund Y. Fund X accumulates at a force of interest

10. (# 45, May 2001). At time t = 0, 1 is deposited into each of Fund X and Fund Y. Fund X accumulates at a force of interest 1 Exam FM questons 1. (# 12, May 2001). Bruce and Robbe each open up new bank accounts at tme 0. Bruce deposts 100 nto hs bank account, and Robbe deposts 50 nto hs. Each account earns an annual e ectve

More information

1. Math 210 Finite Mathematics

1. Math 210 Finite Mathematics 1. ath 210 Fnte athematcs Chapter 5.2 and 5.3 Annutes ortgages Amortzaton Professor Rchard Blecksmth Dept. of athematcal Scences Northern Illnos Unversty ath 210 Webste: http://math.nu.edu/courses/math210

More information

Big Changes For Your Group s Healthcare

Big Changes For Your Group s Healthcare Bg Changes For Your Group s Healthcare You understand how mportant t s to offer your employees qualty healthcare wthout breakng the budget. Now you have a unque choce for your workforce. Lke you, we re

More information

SPONSOR BROCHURE. WINning combinations for precision cancer medicine. Symposium

SPONSOR BROCHURE. WINning combinations for precision cancer medicine. Symposium 2014 Symposum WINnng combnatons for precson cancer medcne Breakthrough bomarker nvestgatons and combned therapeutc approaches SPONSOR BROCHURE Pars, France, June 23-24, 2014 1. GENERAL SYMPOSIUM INFORMATION

More information

7.5. Present Value of an Annuity. Investigate

7.5. Present Value of an Annuity. Investigate 7.5 Present Value of an Annuty Owen and Anna are approachng retrement and are puttng ther fnances n order. They have worked hard and nvested ther earnngs so that they now have a large amount of money on

More information

One Click.. Ȯne Location.. Ȯne Portal...

One Click.. Ȯne Location.. Ȯne Portal... New Addton to your NJ-HITEC Membershp! Member Portal Detals & Features Insde! One Clck.. Ȯne Locaton.. Ȯne Portal... Connect...Share...Smplfy Health IT Member Portal Benefts Trusted Advsor - NJ-HITEC s

More information

Your Contract Works Policy

Your Contract Works Policy U r u p a r e k t e T o n g a Southern Response Earthquake Servces Ltd Your Contract Works Polcy (Lmted Rsks Cover) About your nsurance contract a. Ths polcy forms part of the nsurance contract between

More information

Global innovative solutions You can rely on. www.calyon.com

Global innovative solutions You can rely on. www.calyon.com Global nnovatve solutons You can rely on www.calyon.com CALYON has developed OPTIM SWIFTNet for ts clents. By provdng an extensve range of value-added servces, OPTIM SWIFTNet offers you worldwde connectons

More information

MINESUPOF THE MINISTER OF HIGHER EDUCATION

MINESUPOF THE MINISTER OF HIGHER EDUCATION REPUBLIC OF CAMEROON PeaceWorkFatherland REPUBLIQUE DU CAMEROUN Pax TravalPatre ORDERN0 4 / a 3D0 2 f JUN 4 MINESUPOF To launch the Compettve Common Entrance Examnaton and to fx the number of places nto

More information

Thursday, December 10, 2009 Noon - 1:50 pm Faraday 143

Thursday, December 10, 2009 Noon - 1:50 pm Faraday 143 1. ath 210 Fnte athematcs Chapter 5.2 and 4.3 Annutes ortgages Amortzaton Professor Rchard Blecksmth Dept. of athematcal Scences Northern Illnos Unversty ath 210 Webste: http://math.nu.edu/courses/math210

More information

GENESYS BUSINESS MANAGER

GENESYS BUSINESS MANAGER GENESYS BUSINESS MANAGER e-manager Onlne Conference User Account Admnstraton User Gude Ths User Gude contans the followng sectons: Mnmum Requrements...3 Gettng Started...4 Sgnng On to Genesys Busness Manager...7

More information

Marketing Society Awards for Excellence 2013. Employee Engagement Summary. Objective

Marketing Society Awards for Excellence 2013. Employee Engagement Summary. Objective Marketng Socety Awards for Excellence 2013 Employee Engagement Summary Objectve Our objectve was to transform employee engagement and along wth t, the success and proftablty of the frm. We wanted to move

More information

GENERAL BUSINESS TERMS

GENERAL BUSINESS TERMS SAXO CAPITAL MARKETS (AUSTRALIA) PTY LTD GENERAL BUSINESS TERMS SA XO LEGAL SINGAPORE Verson: 16th March 2015 General Busness Terms GENERAL BUSINESS TERMS 1. DEFINITIONS INTERPRETATION OF TERMS 1.1 In

More information

Answer: A). There is a flatter IS curve in the high MPC economy. Original LM LM after increase in M. IS curve for low MPC economy

Answer: A). There is a flatter IS curve in the high MPC economy. Original LM LM after increase in M. IS curve for low MPC economy 4.02 Quz Solutons Fall 2004 Multple-Choce Questons (30/00 ponts) Please, crcle the correct answer for each of the followng 0 multple-choce questons. For each queston, only one of the answers s correct.

More information

AN EFFICIENT GROUP AUTHENTICATION FOR GROUP COMMUNICATIONS

AN EFFICIENT GROUP AUTHENTICATION FOR GROUP COMMUNICATIONS Internatonal Journal of Network Securty & Its Applcatons (IJNSA), Vol.5, No.3, May 2013 AN EFFICIENT GROUP AUTHENTICATION FOR GROUP COMMUNICATIONS Len Harn 1 and Changlu Ln 2 1 Department of Computer Scence

More information

Chapter 11 Practice Problems Answers

Chapter 11 Practice Problems Answers Chapter 11 Practce Problems Answers 1. Would you be more wllng to lend to a frend f she put all of her lfe savngs nto her busness than you would f she had not done so? Why? Ths problem s ntended to make

More information

Nordea G10 Alpha Carry Index

Nordea G10 Alpha Carry Index Nordea G10 Alpha Carry Index Index Rules v1.1 Verson as of 10/10/2013 1 (6) Page 1 Index Descrpton The G10 Alpha Carry Index, the Index, follows the development of a rule based strategy whch nvests and

More information

Capital Emerging Markets Total. Opportunities Fund (Australia) Product disclosure statement. Contents

Capital Emerging Markets Total. Opportunities Fund (Australia) Product disclosure statement. Contents Captal Emergng Markets Total Opportuntes Fund (Australa) Product dsclosure statement Contents 1. About WHTM Captal Management Lmted 2. How Emergng Markets Total Opportuntes Fund (Australa) works 3. Benefts

More information

LAW ENFORCEMENT TRAINING TOOLS. Training tools for law enforcement officials and the judiciary

LAW ENFORCEMENT TRAINING TOOLS. Training tools for law enforcement officials and the judiciary chapter 5 Law enforcement and prosecuton 261 LAW ENFORCEMENT TRAINING TOOLS Tool 5.20 Tranng tools for law enforcement offcals and the judcary Overvew Ths tool recommends resources for tranng law enforcement

More information

3. Present value of Annuity Problems

3. Present value of Annuity Problems Mathematcs of Fnance The formulae 1. A = P(1 +.n) smple nterest 2. A = P(1 + ) n compound nterest formula 3. A = P(1-.n) deprecaton straght lne 4. A = P(1 ) n compound decrease dmshng balance 5. P = -

More information

The Development of Web Log Mining Based on Improve-K-Means Clustering Analysis

The Development of Web Log Mining Based on Improve-K-Means Clustering Analysis The Development of Web Log Mnng Based on Improve-K-Means Clusterng Analyss TngZhong Wang * College of Informaton Technology, Luoyang Normal Unversty, Luoyang, 471022, Chna wangtngzhong2@sna.cn Abstract.

More information

Honorable John B. Bellinger, III, Legal Adviser, Department of State, to the Honorable

Honorable John B. Bellinger, III, Legal Adviser, Department of State, to the Honorable FOREGN CLAMS SETTLEMENT COMMSSON OF THE UNTED STATES UNTED STATES DEPARTMENT OF JUSTCE WASHNGTON, DC 20579 n the Matter ofthe Clam of 5 U.S.C. 552(b)(6) Clam No. LlB--124 Decson No. LB--021 Clam No. LB--125

More information

Commissioning responsibilities

Commissioning responsibilities Publc Health n Local Government Commssonng responsbltes Local authortes wll be responsble for: tobacco control and smokng cessaton servces alcohol and drug msuse servces publc health servces for chldren

More information

The State of South Carolina OFFICE OF THE ATTORNEY GENERAL

The State of South Carolina OFFICE OF THE ATTORNEY GENERAL The State of South Carolna OFFCE OF THE ATTORNEY GENERAL HENRY MCMASTER A"TORNEY GENERAL Gwen Fuller McGrff, Deputy Drector and General Counse1 South Carolna Department of nsurance P.O. Box 100105 Columba,

More information

July 2014. Volume 1 of 4. Notice to Tenderers Tender Forms & Conditions of Tender

July 2014. Volume 1 of 4. Notice to Tenderers Tender Forms & Conditions of Tender Managng Contractor Desgn and Constructon Management Stage One wth opton for Stage Two (Negotated Guaranteed Constructon Sum) July 2014 Volume 1 of 4 Notce to Tenderers Tender Forms & Condtons of Tender

More information

Time Value of Money Module

Time Value of Money Module Tme Value of Money Module O BJECTIVES After readng ths Module, you wll be able to: Understand smple nterest and compound nterest. 2 Compute and use the future value of a sngle sum. 3 Compute and use the

More information

PSYCHOLOGICAL RESEARCH (PYC 304-C) Lecture 12

PSYCHOLOGICAL RESEARCH (PYC 304-C) Lecture 12 14 The Ch-squared dstrbuton PSYCHOLOGICAL RESEARCH (PYC 304-C) Lecture 1 If a normal varable X, havng mean µ and varance σ, s standardsed, the new varable Z has a mean 0 and varance 1. When ths standardsed

More information