Clock Circa
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 Antique Swiss Wall Clock  US $130.00
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 CIRCA 1930s SETH THOMAS RAMSGATE 8 DAY 7 JEWEL WIND BANJO WALL CLOCK RUNNING US $71.00
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 Antique Sessions Short drop octagon schoolhouse clock solid oak 8 day US $113.00
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 Antique Seth Thomas 8 day Wind Parlor Calendar Clock Old Original US $485.00
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 Rare Pierce Arrow Waltham Car Clock circa 1926 and onward US $450.00
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 Antique Waterbury Carriage Clock US $53.00
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 1820s Original Eli Terry Pillar and Scroll Clock Face Dial Original Paint NR US $45.00
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 Vintage Heavy Iron F Kroeber Mantle ClockFor Parts or RepairsCirca 1800s US $49.99
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 Antique Ansonia Felt Plush Covered Wall Clock Circa 1886 8 Day Still Working US $275.00
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 1890 Mercury French Crystal Regulator Pendulum US $57.99
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 Vintage Modern Set Of Chains for Hermle 2 Weight 8 Day US $5.00
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 8 Day New Haven 1875 Shelf Clock NO RESERVE US $55.50
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 ANTIQUE GOLD STATUE BOUDOIR CLOCK MANTEL LOOKS AND RUNS GREAT US $11.50
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 HAMBURG AMERICAN LARGE GERMAN ANTIQUE WALL CLOCK ALL ORIGINAL LOOKS RUNS GREAT US $198.49
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 Westclox 1927 Ben Hur White Dialed Alarm Clock Very Rare US $13.50
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 Westclox 1935 Black Dialed Big Ben Loud Alarm Clock US $25.00
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 Vintage Ross Alarm Clock Radio with Light Re 83 US $34.00
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 EXQUISITE ANTIQUE FRENCH PAINTED PORCELAIN BRONZE MANTEL CLOCK JAPY FRERES US $599.00
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 ANTIQUE AMERICAN CALENDAR DIAL REGULATOR CLOCK HEXAGONAL 21 LONG US $99.00
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 Big Ben Alarm Clock New in Box Circa 1970 US $58.50
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 Morbier French wall clock US $520.00
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 VINTAGE 1950s SMITH ALARM MANTLE CLOCK in GREAT WORKING CONDITION US $35.95
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 GENERAL MOTORS WALL CLOCK US $15.00
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 Chrome Vintage Seth Thomas School Clock circa 1960 1970s Model SS18C Works US $26.00
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 MOGUL BY THE GILBERT CLOCK COCIRCA 1939 ALL METAL WINDUP US $9.99
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 Vintage GE electric Alarm Clock Circa 1950s US $9.99
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 TIFFANYCOCHELSEA SHIPS CLOCK VTG BRONZE PLATED BRASS reduced1925SERIAL167641 US $1,119.90
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 Vintage Sessions Mantel Clock US $44.99
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 VTG 1950s SMILEY FACE ROBERT SHAW LUX ALARM CLOCK WE ARE SUPERIOR PEOPLE REPAIR US $9.99
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 HAWKEYE Measured Time CLOCK and TIMER by STEVENSON US $174.60
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 Old Clock Circa 1930s with glass front door US $29.00
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 E INGRAHAM ANTIQUE MANTLE CLOCK ALL ORIGINAL LOOKS AND RUNS GREAT 1909 US $99.75
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 SESSIONS ANTIQUE MANTLE CLOCK ORIGINAL SUPERIOR CONDITION LOOKS RUNS GREAT US $51.00
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 Hamilton Made in USA Black Walnut Mantel Clock Case German Key Wound Movement US $349.99
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 Westclox 1990 White Dialed BABY BEN Clock Very Rare US $12.50
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 Western 1925 Black Dialed Jack oLantern Alarm Clock Very Rare US $12.50
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 Vintage UNITED CLOCK Motion Lamp Lighthouse MODEL 290 US $29.99
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 SLAVA Vintage USSR Russian 11 Jewels Alarm Clock US $24.99
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 VINTAGE MID CENTURY STARBURST SUNBURST ELGIN EAMES ATOMIC ERA WALL CLOCK 60s US $257.98
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 VINTAGE MID CENTURY SPARTUS STARBURST SUNBURST EAMES ERA ROOSTER WALL CLOCK US $99.99
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 VINTAGE MID CENTURY STARBURST SUNBURST ELGIN EAMES ATOMIC ERA WALL CLOCK 1950s US $255.00
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 German Wall Clock Exc Working Cond Circa 1890s US $389.99
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 ANTIQUE ANSONIA CLOCK CO NEW YORK DON CAESAR OR DON JUAN CAST IRON CLOCK CASE US $199.99
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 Franncois Gilbert A French Gilt Brass Table Clock Circa 1740s US $4,300.00
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 Cartier Prism Mystery Desk Timepiece Circa 1980s US $5,900.00
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 Marti FRENCH open escapement mantle clock movement dial bezel and backplate US $70.00
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 Uncle Sams Little Wonder Miniature Pendulette Clock White Variation Circa 1890 US $16.00
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 Uncle Sams Little Wonder Miniature Pendulette Clock Black Variation Circa 1890 US $16.00
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 19 CENTURY FRENCH MARBLE ORMOLU CLOCK GARNITURE Signed US $1,950.00
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 1900s New Haven Pressed Oak Shelf Mantel Spring Drive Clock w Pendulum Key Works US $59.99
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 LOT 2 WELCH CLOCKS CATALOG REPRINTS 1 BY TRAN DUY LY US $7.99
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 Rare Kroeber “Josephine” clock circa 1890 in running condition US $150.00
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 Ansonia open escapement porcelain clock “Dakota” circa 1890 US $250.00
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 Antique Welch “The Jewel” paperweight novelty clock in amber color US $70.00
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 SETH THOMAS INLAID CABINET CHIME NO 61 1921 ANTIQUE WESTMINSTER CHIMES CLOCK US $310.00
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 Antique William Gilbert Mantle Clock Circa 1925 Camel Back US $175.00
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 New Haven Steeple Shelf Clock Sharp Gothic 1886 Mahogany Veneered US $150.00
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 EN Welch Walnut Wood Shelf Clock 1890 Nanon 8 Day Movement US $225.00
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 ANTIQUE SESSION PURITAN MAHOGANY CABINTE SHELF MANTEL 8 DAYS CLOCK US $49.00
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 Stupendous antique EN Welch gingerbread kitchen Mantle Clock US $85.00
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 New Haven model No 3147 black wood shelf clock with 4 faux columns color brown US $70.00
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 Rare c1950s Silver Poodle Clock California Clock CO San Juan Capistrano Calif US $23.50 |
 Antique Ingraham Kitchenette Mantle Clock circa 1910 US $36.00
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 Antique Cuckoo Wall Clock US $125.00
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 Cuckoo and Quail Wall Clock US $325.00
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 LARGE 13 ELECTRIC SETH THOMAS SCHOOL WALL CLOCK WORKS GREAT US $29.99
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 400 day anniversary clock Schatz Celebrating someones birthday US $279.99
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 Celebrating someones birthday born June1954 400 day anniversary clock US $279.00
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 400 day clockSchatz flowered dial Celebrating someones birthday July 1953 US $239.99
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 Seth Thomas Westminster Antique Mantel Mantle Walnut Case Clock US $427.00
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 United electric horse clock circa 1940s 1950s US $33.00
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 American Francis Kroeber Parlor Clock circa 1885 US $63.29
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 EXCELLENT OAKEN MANTLE CLOCK CIRCA 1970 US $9.99
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 1900s New Haven Metal Cherub Small Mantel Shelf Clock w Porcelain Dial Restore US $24.99
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 Antique French Military Ormolu Clock US $368.00
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 SESSIONS ANTIQUE VERY RARE CALENDAR REGULATOR OFFICE CLOCK 100 ALL ORIGINAL US $76.76
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 SETH THOMAS HIGH QUALITY ANTIQUE PARLOR MANTLE CLOCK BEAUTIFUL LOOKS RUNS GREAT US $61.00
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 JUNGHANS GERMAN RARE FREE SWINGER WALL CLOCK 100ALL ORIGINAL LOOKS RUNS GREAT US $92.00
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 Jaeger LeCoultre Atmos Clock Very Nice Condition 1961 US $521.00
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 Western 1925 Black Dialed Black Bird Alarm Clock Very Rare US $12.50
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New NHS Benefits - It's All Ended in Tiers
There have been many changes in overall pension rules by the government, and we have discussed in Financial Tips how this has affected the NHS Pension Scheme in previous articles such as the Lifetime Allowance.
Other NHS rule changes might not be so obvious, but for the unfortunate few who fall ill, have a serious accident or die in service, these rule changes are important.
The NHS have introduced new rules on Ill Health Retirement and on Death In Service Benefits. The calculations are based on new Tiers called (simply) 1 and 2.
We only cover some of the main points here, and for full information please see the NHS website.
These new rules are based on a member having a normal retirement age of 60, and more than 2 years service.
Any benefits are based on the NHS medical adviser deeming that you are incapable of continuing in your present duties (Tier 1), or being incapable of any regular work (Tier 2).
These benefits are classed as Ill Health Retirement Benefit, and are normally paid after 1 year or sooner. Let's take a look at an example.
A male dentist aged 45 with 23 years service on a deemed superannuable income of £100,000 pa:
Tier 1 - he would be credited with 23 years only, and this equates to a pension of circa £28,750 and a lump sum of £86,250.
Tier 2 - he would be credited with the 23 years, and then 2/3 of the years he could have worked to age 60. So total credited would be 33 years. This equates to a pension of circa £41,250, and a lump sum of £123,750.
As a summary, Tier 1 benefits will tend to be less generous than the old system, and Tier 2 more generous or similar.
Other points here are: Any Added Years that have been purchased more than 1 year ago will be honoured If you claim before the end of March 2016, then a minimum of 4 years extra service will be credited If you are diagnosed as terminally ill with less than one year to live, a lump sum option is available Any calculations are subject to overall Lifetime Allowance rules Pension benefits are indexed (inflation protected) If you are re-employed, then certain abatement rules could apply It is important to note that any death in service benefits have also changed slightly in line with Tier 2 benefits. This means that it is likely that these are now higher than they would have been.
In addition, the NHS have added eligible beneficiaries as follows: Registered civil partner Nominated long term partner of more than 2 years who is dependant or interdependent When discussing these overall changes, it reminds us of a recent new client. She had quite a lot of Income Protection as well as several Term Assurance life cover policies, and had not reviewed her requirements for a decade.
As she had been clocking up NHS benefits for a number of years, and because she had a few discretionary points that added to her salary, it turned out that she was over insured. This meant that she could reduce or cancel this cover, and save a lot of money each and every month. Next year's holiday paid for!
It also meant that, based on the calculations done using their own Financial sat Nav that we built for them, any death in service benefits that she had could be redirected from her husband to her children as he had no need for them. This in turn will potentially save around £80,000 in Inheritance Tax and no doubt please the children.
The Financial Tips Bottom Line
It is vital to review your protection needs if you have not done so for some time. Did you build in your NHS benefits? Have your circumstances changed? Children now left home? Debt gone or lower now?
Like our new client above, you could save a lot of money 
ACTION POINT
Ask your adviser to tell you exactly what benefits you would be entitled to from the NHS, and use a Cash Flow Forecast (Sat Nav) to bring it all together. This will tell you if your cover is spot on or you are over/under insured.
If you don't use an adviser, then do your homework and take action if required.
About the Author
Ray Prince is an Independent Financial Planner with Rutherford Wilkinson ltd, and helps UK Resident Doctors and Dentists get the best deals on mortgages, protection and investments, as well as helping them achieve their financial objectives. Just visit http://www.medicaldentalfs.com to get your free retirement planning guide. Rutherford Wilkinson ltd is authorised and regulated by the Financial Services Authority.
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