Many advisers and clients are sceptical of state pension deferral but there are big benefits to be hadLast month’s inflation rate of 3 per cent will be bad news for most but those over state pension age may be less glum. The September figure is considered for the annual up-rating of state pensions, and with inflation higher than earnings increases and the 2.5 per cent underpin of the triple-lock, it should see a boost of just under £4.80 a week.
Is cutting pension relief for older people a good way to address inter-generational inequality? The chancellor should consider changes to pension tax relief in the Budget. The financial outlook for younger adults and families is poor, yet we continue with hugely expensive tax reliefs for high earners. Higher rate tax relief – at 40 and 45 per cent – is great for high earners, who are very likely to pay only basic rate tax in retirement.
Life was simple back in the days before pension freedoms. Drawdown was considered a complex product that generally needed advice, shopping around was always a good idea and retirement savings were meant to last a lifetime. But this all changed on 19 March 2013 when then-chancellor George Osborne took the cork out of the bottle. Fast forward to this year and we have the FCA releasing the terms of reference for its retirement outcomes review.
Muck Rack makes it simple to find people, tweets, or articles that mention any name, keyword, company, hashtag etc. We've compiled this guide to help you make the most of your search.
Selecting a term
Start searching tweets, articles from media outlets, articles mentioned in tweets, journalists'
names, titles and bios with some suggested searches:
Companies or Topics (e.g. iPhone, Microsoft)
Phrases (e.g. "cloud computing") — use quotes to keep the terms together
Twitter handles (e.g. @username) — returns those who have mentioned or replied to
Names (e.g. "David Pogue")
Hashtags (e.g. #sxsw, #london2012)
Bio details (e.g. vegan, Olympics, father)
Muck Rack's Advanced Search allows for many boolean operators.
Find results that mention multiple specified terms, use AND or
+. For example, ensure each result contains both Elon Musk and Mark Zuckerberg by
searching Musk AND Zuckerberg or Musk + Zuckerberg.
Use the operators OR or , to broaden your search when you'd like either of
multiple terms to appear in results. (This is the default behavior of our search when no operators
are used). For example, results will contain either cake or cookie by searching cake OR cookie or cake,cookie
Use NOT or - to subtract results from your search. For
example, searching Disney will yield results about the Walt Disney Company as well as Walt Disney
World Resort. To exclude mentions of Disney World, search for Disney -World or Disney
When using one of these operators with a phrase, enclose it in quotation marks. For example, you can
find results about smartphones excluding Apple's iPhone 4S by searching smartphone -"iPhone
Exact case matching or punctuation
If you're searching for a brand name or keyword that relies on specific punctuation marks or capitalization, you can
find results that match your exact query by adding matchcase: before the keyword you're searching for, like matchcase:E*TRADE .
Use parentheses to separate multiple
boolean phrases. For example, to find journalists talking about having fun in Disney World or
Disneyland, search for ("disney world" OR disneyland) AND fun.
An asterisk can be used to search for any variation of a root word truncated by the asterisk. For example, searching for admin* will return results for administrator, administration, administer, administered, etc.
A near operator is an AND operator where you can control the distance between the words. You can vary the distance the near operation uses by adding a forward slash and number (between 0-99) such as strawberries NEAR/10 "whipped cream", which means the strawberries must exist within 10 words of "whipped cream".