Month: March 2020
Which? – We need a Pensions Dashboard
Which? is calling for the urgent introduction of a comprehensive pensions dashboard after an investigation exposed how the current system leaves workers struggling to track down and understand their retirement pots.
The consumer champion challenged 12 volunteers to track down key pieces of information about each of their 38 pension schemes, to see what difficulties they faced.
Of the volunteers, nine (75%) encountered gaps in their data, while only three (25%) were able to find all the requested information via paper statements, online accounts and phone calls.
Some volunteers struggled to find the value of their pension or projected entitlement under a defined benefit scheme. One was told by their provider that they had to wait 40 working days – almost two months – for a new statement to give the information.
Several participants discovered worrying errors. Among the top concerns consumers had was missing information – particularly when it came to pension charges and investment strategy, with some unable to find anything at all about either.
Which? also found that even where information was available, it wasn’t always correct.
One participant, 36, from London, had a shock when she started looking at her pension with her last employer, a US-based marketing agency using a UK payroll provider.
For a period of eight months, pension payments had been deducted from her salary, but neither this money nor any company contributions had found their way into her pension account – potentially breaking the law through non-payment of contributions.
Other volunteers found that pension company mergers and takeovers can add to the sense of confusion, with one having historic correspondence from three different providers for the same scheme. This was after her pension company was first taken over by another provider and then her employer switched its nominated firm.
The new research was published as Westminster debated the Pension Schemes Bill, which legislates for the introduction of a pensions dashboard.
In a separate survey, Which? asked more than 300 members across the UK whether they would use a pensions dashboard to manage their retirement and what they most wanted to see included in it.
More than three quarters (77%) said they would be likely to use the dashboard to find out about their pensions.
Among the top requests for inclusion on the dashboard was an update on the state pension, with nearly three quarters (74%) wanting to know how much they’d get at state pension age.
Almost two thirds (62%) were keen to have a projection of their future retirement income, while more than half (55%) wanted to know their current pension value and a similar number (54%) wanted to see charges.
Which? has long called for the introduction of a pensions dashboard to ensure that savers can see all their pensions in one place.
The consumer champion has pressed the government to ensure that a dashboard provides people with relevant information about all of their pension pots in one place – including the state pension. The dashboard must also publish key information such as charges and income projection figures, to ensure savers are equipped with the information they need to plan for their future.
The pensions dashboard project was first announced in the 2016 Budget and the government originally promised to ensure that it was designed, funded and launched by 2019. But a prototype version won’t probably be available until 2021 at the earliest.
Gareth Shaw, Head of Money at Which?, said: “A pensions dashboard could be a game changer for consumers who have struggled for too long with a complex, fragmented pensions system.
“For the millions of pension savers to get genuine benefit from a dashboard, the government must use this opportunity to ensure that it delivers all the information consumers need to see including their charges, income projection figures and state pension entitlement.”
Which?’s Pensions Planner checklist:
- Get to grips with the basics: ask for an up-to-date statement if you haven’t had one in a while and make sure any online log-ins still work.
- Update your details: if you haven’t updated your address since moving, your pension statements may end up with someone else.
- Nominate a beneficiary: after your death, most pension schemes will allow anyone to inherit your pension.
- Find lost savings: the Pensions Tracing Service is a free service that searches a database of more than 200,000 workplace and personal pension schemes.
Free Movie Night at The Old Kirk & Muirhouse
Scottish plans for VE Day
A series of events to mark 75 years since Victory in Europe Day has been announced by Holyrood’s Veterans Minister Graeme Dey.
The commemorations will honour the service and dedication of all those who helped secure peace, including those who made the ultimate sacrifice.
Events, delivered in partnership by the Scottish Government, Legion Scotland and Poppyscotland, include a parade through Edinburgh on 8 May, a free open-air concert and an RAF flypast.
World War II veterans and their carers are being offered free travel and accommodation in Edinburgh.
Communities across Scotland will be encouraged to host their own commemorative events and schools will be given learning packs to help pupils understand the significance of VE Day.
The Scottish Government and Legion Scotland are providing more than £50,000 to help fund the programme of events.
Veterans Minister Graeme Dey said: “Although three quarters of a century have passed since the end of World War II, we must never forget the sacrifices made by those from across the Commonwealth and Allied nations.
“Their service allowed us to enjoy the freedoms and relative peace we now take for granted and it is important veterans of the War are central to these commemorations.
“I encourage communities from across Scotland to be part of this inclusive, welcoming and poignant event.”
Dr Claire Armstrong, chief executive of Legion Scotland, added: “The 75th anniversary of VE Day is a hugely important moment in our nation’s history.
“It is a time for communities from across Scotland to join together in celebration and commemoration, and we want to ensure that those who sacrificed so much during World War II take centre stage.
“I therefore encourage applications from veterans and anyone else who directly contributed to the war effort to be part of these events.”
On 7 May 1945, Nazi Germany formally and unconditionally surrendered to the Allied Forces, bringing to an end six years of war.
The following day was declared VE (Victory in Europe) Day and millions of people celebrated, marking the victory with street parties, dancing and singing.
The Scottish Government has moved the May Bank holiday to 8 May to coincide with the VE Day anniversary.
The parade will feature vintage military vehicles, motorcycles from Legion Scotland’s Riders Branch, pipe bands, veterans, current personnel from the Armed Forces, horses and youth groups.
The concert will be held in Princes Street Gardens and will follow the theme of Scotland’s involvement in World WarII .
Those wishing to apply to be part of the VE Day 75 events should email b.ward@legionscotland.org.uk or telephone 0131 550 1562.
Police appeal following Morningside assault
Police are appealing for information after a 32-year-old man was assaulted and robbed in Morningside at 10pm on Friday (28 February).
The victim was near the junction of Cluny Avenue and Hermitage Terrace when he was approached by two men and assaulted and robbed. He was unhurt but shocked by the incident.
He was robbed of a two figure sum of money, an Apple laptop and iPhone.
One of the suspects is described as white, in his late 20’s to early 30’s, 5’9” in height, of slim build, wearing grey coloured hooded top with hood up, dark coloured tracksuit bottoms and had a local accent.
The second suspect is about 5’8” in height, wearing a dark coloured jacket.
The suspects ran off in the direction of Hermitage Terrace.
Anyone with any information should contact Police Scotland on 101, quoting 4322 of 28 February or speak to any police officers.
Alternatively if you have any information about the incident you can contact the independent charity Crimestoppers 100% anonymously on 0800 555 111 or via their Anonymous Online Form at crimestoppers-uk.org.
New play equipment at West Pilton Park
A new play park and outdoor gym was opened in West Pilton last week. Councillor Susan Rae cut the tape with Friends of West Pilton Park’s Sara Martin, ELGT’s Charlie Cummings and Scotland Manager of Fields in Trust, Colin Rennie.
Children from Pirniehall and Forthview Primary schools also braved the weather to check out the new facilities.
You can learn more about the development and watch an interview with Susan, Sara and Colin who talk about the importance of developing greenspaces and supporting local communities in urban areas here.
Founder Member of Friends of West Pilton Park, Parklife, Sara Martin said: “The local residents are delighted with the new junior play park and outdoor gym facilities.
“The old play parks were disjointed, very limited and definitely past their sell-by-date. The newly upgraded play park and outdoor gym are so much more interesting, with lots of exciting new equipment to try out and enjoy.
“Thank you Edinburgh & Lothian Greenspace Trust for delivering it.”
Coronavirus: First case in Scotland
Today First Minister @NicolaSturgeon gave an update on #coronavirus following confirmation of the first case in Scotland.
Follow @NHS24 for the latest health advice and learn more at https://t.co/l7rqArB6Qu.#COVIDー19 pic.twitter.com/Tt86dxXQ6l
— Scottish Government (@scotgov) March 2, 2020
A patient has been diagnosed with coronavirus (COVID-19) in Scotland. Following a positive test result for the virus, the patient has been admitted to hospital and is now receiving treatment in isolation.
There are now 36 cases across the UK.
The patient is a resident of the Tayside area and has recently travelled from northern Italy. Clinicians have already begun contact tracing, the process of gathering details of the places they have visited and the people they have been in contact with since returning to the UK.
It is important to note that this does not involve people the patient may have passed on the street or in a shop as the risk in these situations is very low. Close contact involves either face to face contact or spending more than 15 minutes within two metres of an infected person.
First Minister Nicola Sturgeon chaired a meeting of the Scottish Government Resilience Committee (SGoRR) last night and will be taking part in the UK Government’s resilience (COBR) meeting chaired by the Prime Minister this morning.
Further cases are expected in Scotland and SGoRR will meet again later today.
There have been a total of 698 negative test results in Scotland since the start of the outbreak in Wuhan, Hubei Province, China.
According to Scottish and UK protocol all patients presenting with a history and symptoms which may be suggestive of coronavirus will be isolated and appropriate infection prevention and control measures put in place.
First Minister Nicola Sturgeon said: “Our first thoughts must be with the patient diagnosed with coronavirus, I wish them a speedy recovery.
“Scotland is well-prepared for a significant outbreak of coronavirus but there is currently no treatment or vaccine. Early detection measures will continue to be vital in helping to prevent the spread of the virus.
“People have a vital role to play in helping us contain any outbreak by following the latest health and travel advice, and following basic hygiene precautions, such as washing hands frequently, not touching their face and covering their nose and mouth with a tissue when coughing or sneezing.”
Scotland’s Chief Medical Officer Dr Catherine Calderwood said: “Firstly our thoughts are with the person who has been diagnosed, and with their family. I would like to thank all the health professionals who continue to be involved in their care and treatment.
“Scotland is well equipped to deal with infections of this kind. We have a proven track record of dealing with challenging health issues, and have been preparing for this possibility since the beginning of the outbreak in Wuhan.
“This is peak season for respiratory and flu-like illness. There will be people presenting with symptoms of acute respiratory illness but these cases are highly unlikely to be coronavirus (COVID-19).
“We practice and prepare our response to disease outbreaks and follow tried and tested procedures, following the highest safety standards possible for the protection of NHS staff, patients and the public.”
The positive sample has been sent to Public Health England’s Colindale laboratory in London for a confirmatory test. Scottish Laboratories will send all positive samples to Public Health England’s WHO designated Colindale laboratory for confirmatory testing.
Advice for travellers who have visited affected areas is available at NHS Inform.
More advice on travel can be found on Fit for Travel and the Foreign and Commonwealth Office.
Up to date information on the situation in Scotland is being published by Scottish Government.
Woman who battled breast cancer takes on MoonWalk Scotland
Kirsten Griew, 41, from Portobello, Edinburgh is hoping to inspire people to join her at this year’s MoonWalk Scotland, organised by breast cancer charity, Walk the Walk.
Diagnosed with breast cancer in October 2016, Kirsten was treated at The Breast Cancer Institute at Edinburgh’s Western General Hospital which has benefitted from several Walk the Walk grants, thanks to money raised through The MoonWalk Scotland.
The grant from Walk the Walk funded the renovation of Ward 6, a new theatre and renovation of the Mammography Unit at the Breast Cancer unit at the Hospital. As well as this, the charity provided a grant for 8 Cold Cap systems, special machines which are helping many people undergoing chemotherapy to retain their hair.
Kirsten said: “The nurses at The Breast Cancer Institute were amazing throughout my treatment and it was there that I first heard about the Cold Caps.
“The idea of losing my hair during chemo was horrible, so it was great to hear that there was a way of potentially keeping all, or some of it, by using the Cold Cap.
“It was at the hospital that I saw a leaflet for The MoonWalk Scotland. I’d heard about the event before and always wanted to take part, but seeing the leaflet and personally benefitting from services that have been funded as a result of people doing The MoonWalk gave me the motivation I needed to sign up.
“The MoonWalk is brilliant fun – it has such a wonderful atmosphere and the feeling as you cross the finish line is indescribable! Fantastic causes benefit from the money raised and help people just like me. I can’t wait to take part again this year!”
Now in its 15th year, The MoonWalk Scotland, has to date raised nearly £22 million. This money is granted towards supporting people living with cancer in Scotland.
The charity is celebrating all things ‘music’ at this year’s MoonWalk on Saturday 6th June – Walkers could be inspired by pop stars, rock legends, disco divas or musicals, as they decorate their bras to showcase at one of Edinburgh’s most iconic nights.
Setting from Holyrood Park, Edinburgh, Walkers can take on one of four challenges at The MoonWalk Scotland; 10K New Moon (open to people aged 10 and over), Half Moon (13.1 miles), Full Moon (26.2 miles) or Over the Moon (52.4 miles).
Don’t miss The MoonWalk Scotland, Saturday 6th June. Power Walk through the streets of Edinburgh at Midnight wearing a decorated bra, as you raise money and awareness for breast cancer charity, Walk the Walk.
Sign up now: www.walkthewalk.org
Community cash for Strollers
Civil Service Strollers Youth FC have secured a grant from the City of Edinburgh Council to purchase new training equipment.
Forth and Almond Community Partnership allocated £1,249 to ensure the club can continue to deliver high quality coaching to over 120 local children each week.
Club Treasurer, Claire Kidd, said “We are very thankful to the council for this grant. With all clubs like ours fundraising is so important so that we can continue to keep our monthly costs to parents one of the lowest across the area.
“This grant will be used to purchase much needed new equipment and will be well used by the youth section. I would like to thank the Council and in particular, Elaine Lennon, for her assistance and guidance.”
The Strollers Youth section offers weekly football sessions for children and young people aged 5-19.
If you would like to find our more about the club, email strollersyouth@csstrollers.com
Amazon Edinburgh parties after year of success
The team from Amazon’s Customer Services Centre in Edinburgh partied in style at the National Museum of Scotland to celebrate a year of success.
The team was treated to an evening of celebration after a great year in Edinburgh. At the party, guests enjoyed a trapeze act, an awards ceremony, great food and live music.
Amazon’s Edinburgh Site Leader Stephen Lumsden said: “The annual team party is one of the highlights of the year at Amazon in Edinburgh and it gives us the opportunity to say a big thank you to our team for all their efforts over the previous 12 months.
“It’s fantastic to be able to celebrate our success with our brilliant team and in 2020, we are excited to continue delivering smiles to our customers in Edinburgh and beyond.”