Britannia Hotel Birmingham 29th March

[Soulgrowth]

Hi Connie ... do come ... it will be great to meet you. Ask Andy to give you my email address and contact me directly then I'll give you my mobile phone number and meet you in reception [:)]

Debbie

[pixie]

Hi Connie
come along, you won't be the only quiet one!

[emma_t]

connie please come along I will be really nervous also and on my own, I am sure nerves will go out of the window when all the introductions are made[:)]

[pixie]

I've just had to cancel the hotel ........

I found a really good deal instead [:D] Thanks to previous abuse of credit card I've got lots of airmiles! I've now booked a room for the grand sum of nothing [:D][:D] I don't have a spare bed anymore but there's a free b/fast up for grabs! A full english isn't much use to a dieting veggie!!

[aguise]

Well done Pixie. I love a full english, my most fave meal when away. Its as well I dont go away too often, I end up having a bit of everything and finish up with cold toast and thick butter ooh.
Dont be nervous, though I was when I went to the last one in brum. I met with Lily at the station , we went knees a knocking and after I wondered why, as you say after first arriving its fine, I know you will enjoy it.

Ang

[Soulgrowth]

Wow!! That's brillaint Pixie ... another of life's ironies with the airmiles eh!

There's no formal standing to attention with structured 'introductions' folks ... it's just like meeting up with your friends in the pub ... can't wait to meet you all [:)]

Debbie

[CoverItAll]

Hi Andy,

Gwen and I have asked her son Martin Law to come to the meeting. Martin is an Independent Financial Adviser and "Whole of Market" Mortgage Adviser with LighthouseTemple.

This could be the first episode of "IFA Law".

Martin, or your own IFA, can offer advice in three areas of specific interest to Forum Members.

1. Review your Life Assurance Premiums and possibly reduce them.
2. Investigate Capital Raising by Re-Mortgage or Secured Loan.
3. Examine possible Capital Raising through existing Pension arrangements.

Last year Martin looked at the Pension arrangements that were in force throughout my Bankruptcy from 1995 to 1998. My pensions had a total fund value of £80,000, but had I died before age 65 Gwen would have received only £2,700 (a refund of contributions). On his advice, we took out £20000 of tax free cash, and moved the balance to funds that will provide valuable benefits when I die.

Recent discussions we have had with IP's have confirmed that unlocking tax free cash from existing Pension arrangements can often provide the means for your IP to offer a F&F settlement to your Creditors, but always seek professional advice

[Reviva UK]

Thanks for that John

We should also do a piece on having a will.

Our clients have advice from a prefessional will writing expert so that they are made aware of receiving a windfall while they are in Br.

Amazing that the parents of our clients change their wills.

There is just so much to think about I am amazed that people go it alone even with advice from the forum.

[CoverItAll]

Good idea Paul,

Two years ago my Brother (Chartered Accountant) died without making a Will. Half of his Estate did not go to his long term Partner.

Last year a friend (Director of a Life Assurance Company) did the same. His wife could not buy a home in the are in which she wished to live.

It just shows that even "Experts" get it wrong sometimes.

If any of us have not made a Will, and care about what happens after we die, we should make a Will YESTERDAY.

Next time we have a meeting in the North I have a Solicitor chum whom, I could bring along to answer questions on this subject.

[Reviva UK]

I also have met a really nice older gentleman ( and I mean gentleman) who provides advice etc on Wills - happy to refer his number if anyone needs a free chat.

[gavin]

SEE YOU ALL THER

[emma_t]

Wow so many people going [:)]

[aguise]

Its going to be a great night Emma. I meant to say for all you girls and budgeters, primark is smack bang next door to the Brittania.
Emma you will have some company round the corner, by the way, lol.

Ang

[emma_t]

Good Ang[;)] I hate standing on the street on my own...

Maybe we better warn the Britannia Hotel that we are taking over the hotel[:)]

[aguise]

I think they may already know after all the bookings that night.

Ang