Mr Riach recommends leaving her personal pension with the present provider, to avoid transfer fees.Solution 2: PropertyMr Ansdell says there is little point in doing anything with her property at present since she needs somewhere to live. She should ask those trustees for a transfer value and ask Age Concern’s administrators to show what additional benefits this will produce. Her final-salary scheme is likely to be the most valuable of her pensions. Although the trustees of the pension have suggested there may be alterations there is no evidence these amendments wil l adversely affect her.Mr Riach says it may be worth Ms Donovan transferring the five years of contributions into her Age Concern scheme. “Is there any advantage in consolidating all my pension pots?” she asks.

“Should I leave my Milk Marketing Board pension where it is? I have had a letter from trustees outlining plans to amend the scheme.”She has a NPI capital bond and would like advice after the proposal by AMP, the life insurance company, to de-merge from NPI Much of her savings are in building society accounts. Before that, she spent 20 years with the Milk Marketing Board and worked for a firm offering advice on people’s work-life balance. She lives in a one-bedroom flat in Sutton, Surrey, and has paid off her mortgage.Luckily, she was in the final-salary scheme of the Milk Marketing Board and is a member of a handful of other personal and private schemes. “I’d continue working longer if it made substantial economic sense but I’d rather not have to,” she says.
Ms Donovan has been an information officer for Age Concern in South London since November, 2002. Sheelagh Donovan would like to retire in eight years when she is 60.

A registration mark cannot be transferred from a car to a motorbike but can be transferred from a motorbike to a car.Contacts* Cherished Numbers Dealers Association 01494 433035 ;* DVLA 0870 6000 142 .uk;* Ebay ;* National Numbers 01642 363 738 ;* New Car Registrations 0870 7876121 ;* Regtransfers.co.uk 01582 477 333 . The certificate is valid for 12 months and can be renewed annually for £25 per year.* A donor vehicle must be subject to MOT testing at some time. You are allowed to use an older registration.* Registration marks which have never been used on vehicles are issued as certificates of entitlement (V750), renewable annually for a fee of £25 per year.* The donor must be either MOT-tested and taxed, taxed and MOT-expired or MOT-expired and tax-expired for less than six months.* A fee of £80 to the Department of Transport is payable for a vehicle-to-vehicle transfer and £105 (£25 of which is the actual registration fee) is payable for placing the mark on a retention certificate. Any takers?Registration mark transfers: the rules* Registration marks are legally owned by the Secretary of State for Transport: it is the right to display the mark on a vehicle which is granted or transferred.* You cannot use a mark to make a vehicle look newer than it is. Interest in it has been generated with the help of Regtransfers.co.uk in the UK, and Mr Ogilvie’s contacts in the United States and Japan are continuing to increase the premium.He was a car salesman about 18 years ago and it was a motor-trade contact who brought his attention to the plate A couple of weeks ago, Mr Ogilvie bought JRO5S.

Stuart expects his number plate to make him a fortune.”Fifteen years ago, I bought it for £1,100, but it has been revalued at £350,000,” he says.The plate is likely to go for even more and, Mr Ogilvie says, may prove one of the most expensive to come to market. He lives in Edinburgh, but is about to move to Portugal to develop property. Now it’s worth £350,000′IF YOU were to see a vehicle on the high street with the number plate POP 80Y (POP BOY), you may be tempted to crane your neck to see which star was relaxing in the back seat.But if it were to stop at the traffic lights, you would see 49-year-old Stuart Ogilvie at the wheel. The DVLA offers prefix and new-style personalised registrations for sale over the phone from £250.