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Ten tips for pensions freedom and a wealthier retirement

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By Jeff Prestridge for The Mail on Sunday

Published: 04:34 EST, 23 March 2015 | Updated: 04:34 EST, 23 March 2015

On the surface, pension freedom seems all-empowering, putting people in control of their hard-earned savings.

But the pension waters remain as dangerous post April 6 as they are now.

So here are your ten top tips on how to benefit from the new pension regime and how not to trip up.

Right direction?: Make sure you don't trip up when making your pension choices

1. You don't have to act immediately

Although the new freedoms pave the way for you to raid your pension funds from age 55, this doesnt mean those who are eligible should go out on April 6 and buy a Lamborghini or take out cash.

Richard Jones, retirement director at insurer Scottish Widows, says: You dont have to wake up on April 6 and suddenly take decisive pension action because freedom day has arrived.

If you have been saving in a pension for 30 years, what to do next is not a 30-minute decision. Take your time.

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Ten tips for pensions freedom and a wealthier retirement

House expected to take final vote on Religious Freedom Bill

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INDIANAPOLIS -

The Religious Freedom Bill is scheduled for another big vote Monday at the Indiana Statehouse.

The House will vote on Senate Bill 101 or the Religious Freedom Restoration Act.

Supporters call it the Religious Freedom Bill. Opponents call it discrimination.

That's where the battle line is drawn and it drew out both sides in large numbers one week ago when the bill went to a House committee for a vote and passed.

Those in favor of the bill wore green and rallied before the vote saying the bill protects the religious freedoms of business owners who don't want to compromise their beliefs.

But, the other side, who wore red and rallied against the bill, said the bill would allow businesses to deny services particularly to gays and lesbians if they feel it violates their religious beliefs.

"We want to be able to practice our faith, even in our businesses, in our homes, in our churches without fear of being prosecuted," said Cindy Holmes, a supporter of the legislation. "We hear stories all over the country where bakers and florists are losing their businesses and homes just because they wanted to practice their own faith."

"I'm a woman. I'm an African American. I'm also a member of the LGBT community," said Whittney Murphy in opposition to the bill. "So, if I walk up to a store and there's a sign that says no LGBT people, I remember reading and learning in history that there were signs that said no AA and that was based off religion as well."

Opponents will be dropping off 10,000 letters against the proposal Monday to House Speaker Brian Bosma.

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House expected to take final vote on Religious Freedom Bill


  1. Freedom