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Irish pension, life and mortgage brokers.

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CONTACTS AT FERGA.COM

Ferguson & Associates

2 Jam●●●●● Park

Ra●●th , Co Meath, null

IE

1.003●●●●●96804
1.003●●●●●96803
li●●●●●●●●●●●●●@yahoo.com

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Ferguson & Associates

Ferguson, Liam

2 Jam●●●●● Park

Co ●●●ath , null, null

IE

1.003●●●●●96804
1.003●●●●●42222
li●●@ferga.com

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Ferguson & Associates

Ferguson, Liam

2 Jam●●●●● Park

Co ●●●ath , null, null

IE

1.003●●●●●96804
1.003●●●●●42222
li●●@ferga.com

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Irish pension, life and mortgage brokers.
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https://ferga.com

Irish pension, life and mortgage brokers.

INTERNAL PAGES

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1

Our Clients

http://www.ferga.com/OurClients.html

We have hundreds of private clients from all walks of life, from every county of the. We also provide corporate services to a wide range of companies. Typically, the corporate services we provide are employee or director pension schemes, group income protection schemes and/or corporate life assurance cover. The following is just a small sample of some of our corporate clients. These logos appear on this page with the explicit permission of their respective owners.

2

Buy Out Bonds

http://www.ferga.com/buyoutbonds.html

Buy Out Bonds / Personal Retirement Bonds. In this era of career mobility, you may change jobs many times during your lifetime. If each job has its own Occupational Pension Scheme, this can mean you end up at retirement with lots of pension funds accumulated in lots of schemes. This is not ideal for several reasons. 1) The scheme Trustee(s) must sign off any requests to withdraw or transfer your benefits, either at or before retirement. However, this may not always be possible. A Buy Out Bond is a lump s...

3

Income Protection

http://www.ferga.com/gpage2.html

Income Protection is sometimes confused with Mortgage Repayment Protection cover, which is typically sold in conjunction with a mortgage. Income Protection differs from Mortgage Repayment Protection in four fundamental ways. 1) Mortgage Repayment Protection covers you for a maximum of 12 months, so the longest claim you can receive is 12 months, after which the claim will end. Income Protection covers you up to your chosen expiry age, e.g. age 60. 4) Income Protection does not cover for redundancy. We ar...

4

Home Page

http://www.ferga.com/index.html

Welcome to the website of Ferguson and Associates, life assurance, pension and mortgage brokers. If you're looking for Execution-Only deals, visit www.NoFinancialAdvice.com. Or if you're looking for information about PRSAs, visit www.PRSACentre.com. Please feel free to contact us about any of our services, e.g. Mortgages - Residential and investment property finance from a wide range of lenders. PRSAs - advice for employers, employees and the self-employed. Liam D. Ferguson, trading as Ferguson and A...

5

About Us

http://www.ferga.com/gpage.html

Ferguson and Associates is a pension, life assurance and mortgage brokerage firm, established in 1998. Although based in Ratoath, Co. Meath, our clients are from all parts of Ireland and beyond. The principal, Liam D. Ferguson, has been working in the financial services industry in Ireland since 1989. The firm contributes to Fund B of the Investor Compensation Scheme, in accordance with the Investor Compensation Act 1998. Ph (01) 6896804 Fax. (01) 6896803 E-mail.

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LINKS TO THIS WEBSITE

fergablog.blogspot.com fergablog.blogspot.com

Liam Ferguson's blog: February 2012

http://fergablog.blogspot.com/2012_02_01_archive.html

Financial short stories from Ferguson and Associates and FergA.com. Monday, 6 February 2012. Are You Due a PRSI Refund? There was a fair bit of publicity recently surrounding a news story that the State has refunded €10 million to taxpayers who were overcharged in 2010. We've had several calls about this. So anyone who earned more than €500 in a week during 2010 AND earned a total of less than €26,000 for the year should reclaim their Health Levy. Liam D. Ferguson. Subscribe to: Posts (Atom).

fergablog.blogspot.com fergablog.blogspot.com

Liam Ferguson's blog: February 2011

http://fergablog.blogspot.com/2011_02_01_archive.html

Financial short stories from Ferguson and Associates and FergA.com. Friday, 25 February 2011. Men and Women are different, you know. Insurance pricing relies heavily on statistics. Men pay more for life insurance than women because the statistics show women tend to live longer. Women pay more for Income Protection because the statistics show that women tend to suffer more medium and long-term illnesses than men. Liam D. Ferguson. Saturday, 19 February 2011. Reviewable (me) Whole of Life. There's a partic...

fergablog.blogspot.com fergablog.blogspot.com

Liam Ferguson's blog: March 2011

http://fergablog.blogspot.com/2011_03_01_archive.html

Financial short stories from Ferguson and Associates and FergA.com. Monday, 7 March 2011. The world will end when men and women pay the same for insurance. About how insurance premiums of all sorts will have to be harmonised for gender from 21st December 2012 following a European Court of Justice ruling. So from then on it will be illegal to charge different premiums for men and women for insurance. But it will never happen! Oh those cunning Europeans. Liam D. Ferguson. Thursday, 3 March 2011. About toda...

fergablog.blogspot.com fergablog.blogspot.com

Liam Ferguson's blog: May 2011

http://fergablog.blogspot.com/2011_05_01_archive.html

Financial short stories from Ferguson and Associates and FergA.com. Monday, 23 May 2011. No PRSI on Employer PRSA. I know - snappy title. The Department of Social Protection have confirmed that contributions by an employer to a PRSA do not generate a PRSI liability for the employee. Such contributions do, however, generate a USC liability. Image: graur codrin / FreeDigitalPhotos.net. Liam D. Ferguson. Saturday, 21 May 2011. Surprise - Mortgage Lending is Down. Here's an extract from the Press Release.

fergablog.blogspot.com fergablog.blogspot.com

Liam Ferguson's blog: March 2013

http://fergablog.blogspot.com/2013_03_01_archive.html

Financial short stories from Ferguson and Associates and FergA.com. Saturday, 9 March 2013. Enda's million-euro pension in just two years. I generally steer clear of commenting on politicians on the grounds that I don't believe I could do better myself, so therefore I won't criticise someone else's attempts. I don't have any connection to any political party either. But I couldn't resist crunching the numbers from this article. From The Journal.ie. A Private Sector individual would need to accumulate a f...

fergablog.blogspot.com fergablog.blogspot.com

Liam Ferguson's blog: April 2011

http://fergablog.blogspot.com/2011_04_01_archive.html

Financial short stories from Ferguson and Associates and FergA.com. Tuesday, 26 April 2011. Personal Fund Thresholds - Revenue deadline looming. Worryingly, in this Irish Times piece. Dominic Coyle tells us that by April 8th, only 144 enquiries had been received by Revenue on this topic, out of an estimated 6,000 affected people. Who does this affect? 8226; Anyone in a Defined Benefit pension scheme with an expectation of a pension of €115,000 per year or more, before lump sum entitlements. Follow us on ...

fergablog.blogspot.com fergablog.blogspot.com

Liam Ferguson's blog: Enda's million-euro pension in just two years

http://fergablog.blogspot.com/2013/03/endas-million-euro-pension-in-just-two.html

Financial short stories from Ferguson and Associates and FergA.com. Saturday, 9 March 2013. Enda's million-euro pension in just two years. I generally steer clear of commenting on politicians on the grounds that I don't believe I could do better myself, so therefore I won't criticise someone else's attempts. I don't have any connection to any political party either. But I couldn't resist crunching the numbers from this article. From The Journal.ie. A Private Sector individual would need to accumulate a f...

fergablog.blogspot.com fergablog.blogspot.com

Liam Ferguson's blog: October 2011

http://fergablog.blogspot.com/2011_10_01_archive.html

Financial short stories from Ferguson and Associates and FergA.com. Monday, 3 October 2011. Free €10,000 life cover offer. A recent survey by Irish Life discovered that 2 out of 3 people who have life cover only have enough to protect their mortgage and have none to protect their children or dependants in the event of their death. To get more information or apply. Or if you know people who might be interested, send them this link. If you have any queries just drop me an e-mail to liam@ferga.com.

fergablog.blogspot.com fergablog.blogspot.com

Liam Ferguson's blog: Zurich unbundles insurance from pensions - at last!

http://fergablog.blogspot.com/2012/12/zurich-unbundles-insurance-from.html

Financial short stories from Ferguson and Associates and FergA.com. Monday, 3 December 2012. Zurich unbundles insurance from pensions - at last! I'm pleased to see that from 14th December 2012, Zurich Life are ceasing to offer life insurance, specified serious illness cover, waiver of premium and income protection benefits bundled into the one pension policy. If you want these benefits, you'll have to buy them in a separate product. Why is this a good thing? A far better idea is to have a separate policy...

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Welcome to the website of Ferguson and Associates, life assurance, pension and mortgage brokers. If you're looking for Execution-Only deals, visit www.NoFinancialAdvice.com. Or if you're looking for information about PRSAs, visit www.PRSACentre.com. Please feel free to contact us about any of our services, e.g. Mortgages - Residential and investment property finance from a wide range of lenders. PRSAs - advice for employers, employees and the self-employed. Liam D. Ferguson, trading as Ferguson and A...

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