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The January letter, cutting your payout, again described as the bank's "final response to your complaint", has no reference to the previous "final response".
If you qualify for the New Zealand state pension, known as Superannuation, the value of your UK state pension will be subtracted from your payout.
If you will be fortunate enough to receive a pension, you may want to hire a pension consultant to guide you through your payout options, and to double-check that you are not being shortchanged by your former employer.
Under your payout plan, 2 players (or 3 or 5 or 10) who tie for second place could end up pocketing less money than you, even though they score higher.
"The only environment where in theory you could make a subprime-equivalent return", he says, "is such a doomsday scenario that you won't be able to get your payout because there won't be any banks left".Perhaps too many people are looking for the next "big short" and instead should be looking for the next "big long".
Our advice: Lower your payout.
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On top of that, you can decide to take all or part of your lump sum back, as long as you do it within two months after your payouts begin.
How your payouts get taxed depends on how the $100,000 is reinvested.
When you sell Enterprise shares, whatever portion of your payouts escaped tax in the early years now gets recaptured.
So be very careful when making this decision, as you need to look out for a tenure which minimizes your interest payout while ensuring that your individual EMI payouts are not prohibitively high.
In most cases, your insurance company will give you your insurance payout as soon as possible to help you expedite your repairs.
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Justyna Jupowicz-Kozak
CEO of Professional Science Editing for Scientists @ prosciediting.com