Strict Standards: Non-static method Cache::get() should not be called statically in /home/pensionf/public_html/concrete/models/package.php on line 78

Strict Standards: Non-static method Cache::key() should not be called statically in /home/pensionf/public_html/concrete/libraries/cache.php on line 117

Strict Standards: Non-static method Cache::getLibrary() should not be called statically in /home/pensionf/public_html/concrete/libraries/cache.php on line 121

Strict Standards: Non-static method Cache::key() should not be called statically in /home/pensionf/public_html/concrete/libraries/cache.php on line 137

Strict Standards: Non-static method Loader::package() should not be called statically in /home/pensionf/public_html/concrete/startup/packages.php on line 8

Strict Standards: Non-static method Object::camelcase() should not be called statically in /home/pensionf/public_html/concrete/libraries/loader.php on line 299

Strict Standards: Non-static method User::checkUserForeverCookie() should not be called statically in /home/pensionf/public_html/concrete/startup/user.php on line 4

Strict Standards: Non-static method Cache::get() should not be called statically, assuming $this from incompatible context in /home/pensionf/public_html/concrete/libraries/request.php on line 110

Strict Standards: Non-static method Cache::key() should not be called statically, assuming $this from incompatible context in /home/pensionf/public_html/concrete/libraries/cache.php on line 117

Strict Standards: Non-static method Cache::getLibrary() should not be called statically, assuming $this from incompatible context in /home/pensionf/public_html/concrete/libraries/cache.php on line 121

Strict Standards: Non-static method Cache::key() should not be called statically, assuming $this from incompatible context in /home/pensionf/public_html/concrete/libraries/cache.php on line 137

Strict Standards: Non-static method Config::get() should not be called statically in /home/pensionf/public_html/concrete/startup/maintenance_mode_check.php on line 5

Strict Standards: Non-static method PermissionsCache::exists() should not be called statically, assuming $this from incompatible context in /home/pensionf/public_html/concrete/models/permissions.php on line 212

Strict Standards: Non-static method PermissionsCache::getIdentifier() should not be called statically, assuming $this from incompatible context in /home/pensionf/public_html/concrete/models/permissions.php on line 15

Strict Standards: Non-static method PermissionsProxy::get() should not be called statically, assuming $this from incompatible context in /home/pensionf/public_html/concrete/models/permissions.php on line 218

Strict Standards: Non-static method PermissionsCache::exists() should not be called statically in /home/pensionf/public_html/concrete/models/permissions.php on line 69

Strict Standards: Non-static method PermissionsCache::getIdentifier() should not be called statically in /home/pensionf/public_html/concrete/models/permissions.php on line 15

Strict Standards: Non-static method Cache::get() should not be called statically, assuming $this from incompatible context in /home/pensionf/public_html/concrete/models/permissions.php on line 536

Strict Standards: Non-static method Cache::key() should not be called statically, assuming $this from incompatible context in /home/pensionf/public_html/concrete/libraries/cache.php on line 117

Strict Standards: Non-static method Cache::getLibrary() should not be called statically, assuming $this from incompatible context in /home/pensionf/public_html/concrete/libraries/cache.php on line 121

Strict Standards: Non-static method Cache::key() should not be called statically, assuming $this from incompatible context in /home/pensionf/public_html/concrete/libraries/cache.php on line 137

Strict Standards: Non-static method PermissionsCache::add() should not be called statically, assuming $this from incompatible context in /home/pensionf/public_html/concrete/models/permissions.php on line 221

Strict Standards: Non-static method PermissionsCache::getIdentifier() should not be called statically, assuming $this from incompatible context in /home/pensionf/public_html/concrete/models/permissions.php on line 52

Strict Standards: Non-static method CollectionVersion::get() should not be called statically, assuming $this from incompatible context in /home/pensionf/public_html/concrete/models/collection.php on line 33

Strict Standards: Non-static method PermissionsCache::exists() should not be called statically, assuming $this from incompatible context in /home/pensionf/public_html/concrete/models/permissions.php on line 212

Strict Standards: Non-static method PermissionsCache::getIdentifier() should not be called statically, assuming $this from incompatible context in /home/pensionf/public_html/concrete/models/permissions.php on line 15

Strict Standards: Non-static method PermissionsProxy::get() should not be called statically, assuming $this from incompatible context in /home/pensionf/public_html/concrete/models/permissions.php on line 218

Strict Standards: Non-static method PermissionsCache::add() should not be called statically, assuming $this from incompatible context in /home/pensionf/public_html/concrete/models/permissions.php on line 221

Strict Standards: Non-static method PermissionsCache::getIdentifier() should not be called statically, assuming $this from incompatible context in /home/pensionf/public_html/concrete/models/permissions.php on line 52

Strict Standards: Non-static method Loader::helper() should not be called statically in /home/pensionf/public_html/concrete/startup/process.php on line 29

Strict Standards: Non-static method Object::camelcase() should not be called statically in /home/pensionf/public_html/concrete/libraries/loader.php on line 259

Strict Standards: Non-static method Loader::db() should not be called statically, assuming $this from incompatible context in /home/pensionf/public_html/concrete/models/user.php on line 200

Strict Standards: Non-static method View::getInstance() should not be called statically in /home/pensionf/public_html/concrete/dispatcher.php on line 262

Strict Standards: Non-static method Loader::controller() should not be called statically, assuming $this from incompatible context in /home/pensionf/public_html/concrete/libraries/view.php on line 646

Strict Standards: Non-static method Loader::pageTypeControllerPath() should not be called statically, assuming $this from incompatible context in /home/pensionf/public_html/concrete/libraries/loader.php on line 413

Strict Standards: Non-static method Cache::get() should not be called statically in /home/pensionf/public_html/concrete/models/package.php on line 52

Strict Standards: Non-static method Cache::key() should not be called statically in /home/pensionf/public_html/concrete/libraries/cache.php on line 117

Strict Standards: Non-static method Cache::getLibrary() should not be called statically in /home/pensionf/public_html/concrete/libraries/cache.php on line 121

Strict Standards: Non-static method Cache::key() should not be called statically in /home/pensionf/public_html/concrete/libraries/cache.php on line 137

Strict Standards: Non-static method Loader::model() should not be called statically, assuming $this from incompatible context in /home/pensionf/public_html/concrete/libraries/loader.php on line 363

Strict Standards: Non-static method Cache::get() should not be called statically in /home/pensionf/public_html/concrete/models/collection_types.php on line 40

Strict Standards: Non-static method Cache::key() should not be called statically in /home/pensionf/public_html/concrete/libraries/cache.php on line 117

Strict Standards: Non-static method Cache::getLibrary() should not be called statically in /home/pensionf/public_html/concrete/libraries/cache.php on line 121

Strict Standards: Non-static method Cache::key() should not be called statically in /home/pensionf/public_html/concrete/libraries/cache.php on line 137

Strict Standards: Non-static method Cache::get() should not be called statically in /home/pensionf/public_html/concrete/models/package.php on line 52

Strict Standards: Non-static method Cache::key() should not be called statically in /home/pensionf/public_html/concrete/libraries/cache.php on line 117

Strict Standards: Non-static method Cache::getLibrary() should not be called statically in /home/pensionf/public_html/concrete/libraries/cache.php on line 121

Strict Standards: Non-static method Cache::key() should not be called statically in /home/pensionf/public_html/concrete/libraries/cache.php on line 137

Strict Standards: Non-static method Loader::helper() should not be called statically, assuming $this from incompatible context in /home/pensionf/public_html/concrete/libraries/controller.php on line 47

Strict Standards: Non-static method Object::camelcase() should not be called statically, assuming $this from incompatible context in /home/pensionf/public_html/concrete/libraries/loader.php on line 259

Warning: Cannot modify header information - headers already sent by (output started at /home/pensionf/public_html/concrete/models/package.php:78) in /home/pensionf/public_html/concrete/libraries/view.php on line 833

Strict Standards: Non-static method Loader::element() should not be called statically, assuming $this from incompatible context in /home/pensionf/public_html/packages/theme_officespace/themes/officespace/elements/header.php on line 14

Strict Standards: Non-static method View::getInstance() should not be called statically, assuming $this from incompatible context in /home/pensionf/public_html/concrete/models/page.php on line 128
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Strict Standards: Non-static method Loader::helper() should not be called statically, assuming $this from incompatible context in /home/pensionf/public_html/concrete/elements/header_required.php on line 65

Strict Standards: Non-static method View::getInstance() should not be called statically, assuming $this from incompatible context in /home/pensionf/public_html/concrete/helpers/html.php on line 40

Strict Standards: Non-static method Config::get() should not be called statically, assuming $this from incompatible context in /home/pensionf/public_html/concrete/elements/header_required.php on line 70

Strict Standards: Non-static method File::getByID() should not be called statically, assuming $this from incompatible context in /home/pensionf/public_html/concrete/elements/header_required.php on line 74

Strict Standards: Non-static method Cache::get() should not be called statically, assuming $this from incompatible context in /home/pensionf/public_html/concrete/models/file.php on line 17

Strict Standards: Non-static method Cache::key() should not be called statically, assuming $this from incompatible context in /home/pensionf/public_html/concrete/libraries/cache.php on line 117

Strict Standards: Non-static method Cache::getLibrary() should not be called statically, assuming $this from incompatible context in /home/pensionf/public_html/concrete/libraries/cache.php on line 121

Strict Standards: Non-static method Cache::key() should not be called statically, assuming $this from incompatible context in /home/pensionf/public_html/concrete/libraries/cache.php on line 137

Strict Standards: Non-static method Loader::element() should not be called statically, assuming $this from incompatible context in /home/pensionf/public_html/concrete/elements/header_required.php on line 83

Strict Standards: Non-static method Loader::helper() should not be called statically, assuming $this from incompatible context in /home/pensionf/public_html/concrete/elements/page_controls_header.php on line 3

Strict Standards: Non-static method Loader::helper() should not be called statically, assuming $this from incompatible context in /home/pensionf/public_html/concrete/elements/page_controls_header.php on line 5

Strict Standards: Non-static method View::getInstance() should not be called statically, assuming $this from incompatible context in /home/pensionf/public_html/concrete/libraries/controller.php on line 457
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Strict Standards: Non-static method View::getInstance() should not be called statically, assuming $this from incompatible context in /home/pensionf/public_html/concrete/models/area.php on line 53

Strict Standards: Non-static method Cache::get() should not be called statically, assuming $this from incompatible context in /home/pensionf/public_html/concrete/models/area.php on line 121

Strict Standards: Non-static method Cache::key() should not be called statically, assuming $this from incompatible context in /home/pensionf/public_html/concrete/libraries/cache.php on line 117

Strict Standards: Non-static method Cache::getLibrary() should not be called statically, assuming $this from incompatible context in /home/pensionf/public_html/concrete/libraries/cache.php on line 121

Strict Standards: Non-static method Cache::key() should not be called statically, assuming $this from incompatible context in /home/pensionf/public_html/concrete/libraries/cache.php on line 137

Strict Standards: Non-static method PermissionsCache::exists() should not be called statically, assuming $this from incompatible context in /home/pensionf/public_html/concrete/models/permissions.php on line 212

Strict Standards: Non-static method PermissionsCache::getIdentifier() should not be called statically, assuming $this from incompatible context in /home/pensionf/public_html/concrete/models/permissions.php on line 15

Strict Standards: Non-static method PermissionsProxy::get() should not be called statically, assuming $this from incompatible context in /home/pensionf/public_html/concrete/models/permissions.php on line 218

Strict Standards: Non-static method PermissionsCache::exists() should not be called statically in /home/pensionf/public_html/concrete/models/permissions.php on line 69

Strict Standards: Non-static method PermissionsCache::getIdentifier() should not be called statically in /home/pensionf/public_html/concrete/models/permissions.php on line 15

Strict Standards: Non-static method PermissionsCache::getObject() should not be called statically in /home/pensionf/public_html/concrete/models/permissions.php on line 70

Strict Standards: Non-static method PermissionsCache::getIdentifier() should not be called statically in /home/pensionf/public_html/concrete/models/permissions.php on line 45

Strict Standards: Non-static method PermissionsCache::add() should not be called statically, assuming $this from incompatible context in /home/pensionf/public_html/concrete/models/permissions.php on line 221

Strict Standards: Non-static method PermissionsCache::getIdentifier() should not be called statically, assuming $this from incompatible context in /home/pensionf/public_html/concrete/models/permissions.php on line 52

Strict Standards: Non-static method PermissionsCache::exists() should not be called statically, assuming $this from incompatible context in /home/pensionf/public_html/concrete/models/permissions.php on line 212

Strict Standards: Non-static method PermissionsCache::getIdentifier() should not be called statically, assuming $this from incompatible context in /home/pensionf/public_html/concrete/models/permissions.php on line 15

Strict Standards: Non-static method PermissionsCache::getObject() should not be called statically, assuming $this from incompatible context in /home/pensionf/public_html/concrete/models/permissions.php on line 213

Strict Standards: Non-static method PermissionsCache::getIdentifier() should not be called statically, assuming $this from incompatible context in /home/pensionf/public_html/concrete/models/permissions.php on line 45

Strict Standards: Non-static method Cache::get() should not be called statically, assuming $this from incompatible context in /home/pensionf/public_html/concrete/models/collection.php on line 648

Strict Standards: Non-static method Cache::key() should not be called statically, assuming $this from incompatible context in /home/pensionf/public_html/concrete/libraries/cache.php on line 117

Strict Standards: Non-static method Cache::getLibrary() should not be called statically, assuming $this from incompatible context in /home/pensionf/public_html/concrete/libraries/cache.php on line 121

Strict Standards: Non-static method Cache::key() should not be called statically, assuming $this from incompatible context in /home/pensionf/public_html/concrete/libraries/cache.php on line 137

Strict Standards: Non-static method View::getInstance() should not be called statically, assuming $this from incompatible context in /home/pensionf/public_html/concrete/models/page.php on line 128

Strict Standards: Non-static method Loader::element() should not be called statically, assuming $this from incompatible context in /home/pensionf/public_html/concrete/libraries/block_view.php on line 57

Strict Standards: Non-static method Loader::db() should not be called statically, assuming $this from incompatible context in /home/pensionf/public_html/concrete/models/collection.php on line 415

Strict Standards: Non-static method Loader::db() should not be called statically, assuming $this from incompatible context in /home/pensionf/public_html/concrete/models/area.php on line 435

Strict Standards: Non-static method Loader::element() should not be called statically, assuming $this from incompatible context in /home/pensionf/public_html/concrete/libraries/block_view.php on line 57

Strict Standards: Non-static method Loader::db() should not be called statically, assuming $this from incompatible context in /home/pensionf/public_html/concrete/models/collection.php on line 415

Strict Standards: Non-static method View::getInstance() should not be called statically, assuming $this from incompatible context in /home/pensionf/public_html/concrete/models/page.php on line 128

Strict Standards: Non-static method View::getInstance() should not be called statically, assuming $this from incompatible context in /home/pensionf/public_html/concrete/models/area.php on line 53

Strict Standards: Non-static method Cache::get() should not be called statically, assuming $this from incompatible context in /home/pensionf/public_html/concrete/models/area.php on line 121

Strict Standards: Non-static method Cache::key() should not be called statically, assuming $this from incompatible context in /home/pensionf/public_html/concrete/libraries/cache.php on line 117

Strict Standards: Non-static method Cache::getLibrary() should not be called statically, assuming $this from incompatible context in /home/pensionf/public_html/concrete/libraries/cache.php on line 121

Strict Standards: Non-static method Cache::key() should not be called statically, assuming $this from incompatible context in /home/pensionf/public_html/concrete/libraries/cache.php on line 137

Strict Standards: Non-static method PermissionsCache::exists() should not be called statically, assuming $this from incompatible context in /home/pensionf/public_html/concrete/models/permissions.php on line 212

Strict Standards: Non-static method PermissionsCache::getIdentifier() should not be called statically, assuming $this from incompatible context in /home/pensionf/public_html/concrete/models/permissions.php on line 15

Strict Standards: Non-static method PermissionsProxy::get() should not be called statically, assuming $this from incompatible context in /home/pensionf/public_html/concrete/models/permissions.php on line 218

Strict Standards: Non-static method PermissionsCache::exists() should not be called statically in /home/pensionf/public_html/concrete/models/permissions.php on line 69

Strict Standards: Non-static method PermissionsCache::getIdentifier() should not be called statically in /home/pensionf/public_html/concrete/models/permissions.php on line 15

Strict Standards: Non-static method PermissionsCache::getObject() should not be called statically in /home/pensionf/public_html/concrete/models/permissions.php on line 70

Strict Standards: Non-static method PermissionsCache::getIdentifier() should not be called statically in /home/pensionf/public_html/concrete/models/permissions.php on line 45

Strict Standards: Non-static method PermissionsCache::add() should not be called statically, assuming $this from incompatible context in /home/pensionf/public_html/concrete/models/permissions.php on line 221

Strict Standards: Non-static method PermissionsCache::getIdentifier() should not be called statically, assuming $this from incompatible context in /home/pensionf/public_html/concrete/models/permissions.php on line 52

Strict Standards: Non-static method PermissionsCache::exists() should not be called statically, assuming $this from incompatible context in /home/pensionf/public_html/concrete/models/permissions.php on line 212

Strict Standards: Non-static method PermissionsCache::getIdentifier() should not be called statically, assuming $this from incompatible context in /home/pensionf/public_html/concrete/models/permissions.php on line 15

Strict Standards: Non-static method PermissionsCache::getObject() should not be called statically, assuming $this from incompatible context in /home/pensionf/public_html/concrete/models/permissions.php on line 213

Strict Standards: Non-static method PermissionsCache::getIdentifier() should not be called statically, assuming $this from incompatible context in /home/pensionf/public_html/concrete/models/permissions.php on line 45

Strict Standards: Non-static method Cache::get() should not be called statically, assuming $this from incompatible context in /home/pensionf/public_html/concrete/models/collection.php on line 648

Strict Standards: Non-static method Cache::key() should not be called statically, assuming $this from incompatible context in /home/pensionf/public_html/concrete/libraries/cache.php on line 117

Strict Standards: Non-static method Cache::getLibrary() should not be called statically, assuming $this from incompatible context in /home/pensionf/public_html/concrete/libraries/cache.php on line 121

Strict Standards: Non-static method Cache::key() should not be called statically, assuming $this from incompatible context in /home/pensionf/public_html/concrete/libraries/cache.php on line 137

Strict Standards: Non-static method View::getInstance() should not be called statically, assuming $this from incompatible context in /home/pensionf/public_html/concrete/models/page.php on line 128

Strict Standards: Non-static method Loader::element() should not be called statically, assuming $this from incompatible context in /home/pensionf/public_html/concrete/libraries/block_view.php on line 57

Strict Standards: Non-static method Loader::db() should not be called statically, assuming $this from incompatible context in /home/pensionf/public_html/concrete/models/collection.php on line 415

Strict Standards: Non-static method Loader::db() should not be called statically, assuming $this from incompatible context in /home/pensionf/public_html/concrete/models/area.php on line 435

Strict Standards: Non-static method Loader::element() should not be called statically, assuming $this from incompatible context in /home/pensionf/public_html/concrete/libraries/block_view.php on line 57

Strict Standards: Non-static method Loader::db() should not be called statically, assuming $this from incompatible context in /home/pensionf/public_html/concrete/models/collection.php on line 415

Strict Standards: Non-static method View::getInstance() should not be called statically, assuming $this from incompatible context in /home/pensionf/public_html/concrete/models/page.php on line 128

Strict Standards: Non-static method View::getInstance() should not be called statically, assuming $this from incompatible context in /home/pensionf/public_html/concrete/models/area.php on line 53

Strict Standards: Non-static method Cache::get() should not be called statically, assuming $this from incompatible context in /home/pensionf/public_html/concrete/models/area.php on line 121

Strict Standards: Non-static method Cache::key() should not be called statically, assuming $this from incompatible context in /home/pensionf/public_html/concrete/libraries/cache.php on line 117

Strict Standards: Non-static method Cache::getLibrary() should not be called statically, assuming $this from incompatible context in /home/pensionf/public_html/concrete/libraries/cache.php on line 121

Strict Standards: Non-static method Cache::key() should not be called statically, assuming $this from incompatible context in /home/pensionf/public_html/concrete/libraries/cache.php on line 137

Strict Standards: Non-static method PermissionsCache::exists() should not be called statically, assuming $this from incompatible context in /home/pensionf/public_html/concrete/models/permissions.php on line 212

Strict Standards: Non-static method PermissionsCache::getIdentifier() should not be called statically, assuming $this from incompatible context in /home/pensionf/public_html/concrete/models/permissions.php on line 15

Strict Standards: Non-static method PermissionsProxy::get() should not be called statically, assuming $this from incompatible context in /home/pensionf/public_html/concrete/models/permissions.php on line 218

Strict Standards: Non-static method PermissionsCache::exists() should not be called statically in /home/pensionf/public_html/concrete/models/permissions.php on line 69

Strict Standards: Non-static method PermissionsCache::getIdentifier() should not be called statically in /home/pensionf/public_html/concrete/models/permissions.php on line 15

Strict Standards: Non-static method PermissionsCache::getObject() should not be called statically in /home/pensionf/public_html/concrete/models/permissions.php on line 70

Strict Standards: Non-static method PermissionsCache::getIdentifier() should not be called statically in /home/pensionf/public_html/concrete/models/permissions.php on line 45

Strict Standards: Non-static method PermissionsCache::add() should not be called statically, assuming $this from incompatible context in /home/pensionf/public_html/concrete/models/permissions.php on line 221

Strict Standards: Non-static method PermissionsCache::getIdentifier() should not be called statically, assuming $this from incompatible context in /home/pensionf/public_html/concrete/models/permissions.php on line 52

Strict Standards: Non-static method PermissionsCache::exists() should not be called statically, assuming $this from incompatible context in /home/pensionf/public_html/concrete/models/permissions.php on line 212

Strict Standards: Non-static method PermissionsCache::getIdentifier() should not be called statically, assuming $this from incompatible context in /home/pensionf/public_html/concrete/models/permissions.php on line 15

Strict Standards: Non-static method PermissionsCache::getObject() should not be called statically, assuming $this from incompatible context in /home/pensionf/public_html/concrete/models/permissions.php on line 213

Strict Standards: Non-static method PermissionsCache::getIdentifier() should not be called statically, assuming $this from incompatible context in /home/pensionf/public_html/concrete/models/permissions.php on line 45

Strict Standards: Non-static method Cache::get() should not be called statically, assuming $this from incompatible context in /home/pensionf/public_html/concrete/models/collection.php on line 648

Strict Standards: Non-static method Cache::key() should not be called statically, assuming $this from incompatible context in /home/pensionf/public_html/concrete/libraries/cache.php on line 117

Strict Standards: Non-static method Cache::getLibrary() should not be called statically, assuming $this from incompatible context in /home/pensionf/public_html/concrete/libraries/cache.php on line 121

Strict Standards: Non-static method Cache::key() should not be called statically, assuming $this from incompatible context in /home/pensionf/public_html/concrete/libraries/cache.php on line 137

Strict Standards: Non-static method View::getInstance() should not be called statically, assuming $this from incompatible context in /home/pensionf/public_html/concrete/models/page.php on line 128

Strict Standards: Non-static method Loader::element() should not be called statically, assuming $this from incompatible context in /home/pensionf/public_html/concrete/libraries/block_view.php on line 57

Strict Standards: Non-static method Loader::db() should not be called statically, assuming $this from incompatible context in /home/pensionf/public_html/concrete/models/collection.php on line 415

Strict Standards: Non-static method Loader::db() should not be called statically, assuming $this from incompatible context in /home/pensionf/public_html/concrete/models/area.php on line 435

Strict Standards: Non-static method Loader::element() should not be called statically, assuming $this from incompatible context in /home/pensionf/public_html/concrete/libraries/block_view.php on line 57

Strict Standards: Non-static method Loader::db() should not be called statically, assuming $this from incompatible context in /home/pensionf/public_html/concrete/models/collection.php on line 415

Strict Standards: Non-static method View::getInstance() should not be called statically, assuming $this from incompatible context in /home/pensionf/public_html/concrete/models/page.php on line 128

Strict Standards: Non-static method View::getInstance() should not be called statically, assuming $this from incompatible context in /home/pensionf/public_html/concrete/models/area.php on line 53

Strict Standards: Non-static method Cache::get() should not be called statically, assuming $this from incompatible context in /home/pensionf/public_html/concrete/models/area.php on line 121

Strict Standards: Non-static method Cache::key() should not be called statically, assuming $this from incompatible context in /home/pensionf/public_html/concrete/libraries/cache.php on line 117

Strict Standards: Non-static method Cache::getLibrary() should not be called statically, assuming $this from incompatible context in /home/pensionf/public_html/concrete/libraries/cache.php on line 121

Strict Standards: Non-static method Cache::key() should not be called statically, assuming $this from incompatible context in /home/pensionf/public_html/concrete/libraries/cache.php on line 137

Strict Standards: Non-static method PermissionsCache::exists() should not be called statically, assuming $this from incompatible context in /home/pensionf/public_html/concrete/models/permissions.php on line 212

Strict Standards: Non-static method PermissionsCache::getIdentifier() should not be called statically, assuming $this from incompatible context in /home/pensionf/public_html/concrete/models/permissions.php on line 15

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Annuities

If you are looking to have Annuities explained or just find the best Annuities then we can help.

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Here at Pension Forecast we can give you access to advisers who will help you to compare annuities and offer enhanced quotes for you.

They have some unbeatable annuity rates available currently so just fill out the no obligation enquiry form now and we can get a annuities specialist to talk to your options through with you.

Annuities Explained

An annuity is usually taken out by an individual to give themselves an income in retirement. You hand over to the insurance or pension company the fund of money that you have accumulated over the years and in return they provide you with a regular income.

The type of income you choose is up to you but typically people opt for either level (no pay rises each year) or increasing. Is there just you to consider or would you want to have the pension carry on paying out after your death to the benefit of someone else. This would be known as a widows (or widowers) pension.

The amount the companies offer you in return for your pension pot can vary greatly based on many different factors. First of which is of course life expectancy.

Annuities are pay out till the last surviving annuitant dies if a widows pension is taken out so obviously the company then has two peoples life expectancy to consider.

The insurance company does benefit if the annuitant dies shortly after retirement but on the downside they must pay as long as the policy holder survives. They therefore lose out on some cases where the retiree lives well past 100.

This balancing out affect allows the pension companies to take a longer term view when setting annuity rates that they are [prepared to offer.

Other options you need to consider is a guaranteed minimum pay out term, regardless of the age when you die. Annuities with these minimum pay out terms are available from virtually all UK annuity companies.  You will need to nominate a beneficiary to the insurance company when you take out the annuity and keep them up to date if this were to change.

There is a big market now in impaired life annuities, these are for people who smoke and those who have an illness or are on medication. As the life expectancy is less the rate you will get offered is going to be better.

So for the best Annuities fill out the enquiry form at the top of the page.


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