General News

11
Jul

Brexit – And Your Personal Finances

Well, did you really expect me to write about anything else this month! I will avoid make any predictions, especially as I am writing this some 4 weeks before you will be reading it – ah the benefit of hindsight! Firstly, we are all affected financially by the decision. This might be through businesses we run, the mortgage rate we

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6
Apr

A New Tax Year

A few tax changes to take advantage of I am writing this article on the 6th April; the start of the new tax year. All the last minute tax planning has been completed and if it’s not done by now – it’s too late! Some of the changes in the last budget have now ‘gone live’ and we move forward with

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4
Apr

Bank of England Monetary Policy Committee

Cut rates to all time low – 4th August 2016 Today, the Bank of England Base Rate has fallen today to an all-time low of 0.25% and you might be wondering “what difference will that make to me? A 0.25% interest rate cut is probably not going to save me much money on my monthly bills, all it will do

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12
Jan

Saving That Deposit

For many first time buyers looking to get on the property ladder, the issue of affordability over the past 10 years or so, has become a major problem. To buy a property, most people would usually save a deposit and then borrow the remainder in the form of a mortgage. It almost feels like a perfect storm has affected 1st

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6
Jan

Buy To Let

Will it still be as attractive going forward? At the start of a new year, it is usual to consider the investment outlook for various assets; shares, gilts, cash, bonds and property. This year more than any other, people need to think about ‘residential property’ and in particular ‘Buy to Let’ which probably has an uncertain 24 months ahead. As

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27
Nov

Final Salary Pensions – Article Two

Are they right for everyone? Last month I explained that Final Salary Pensions are often considered to be the pension we would all want to have – the type of pension you would not ‘usually’ transfer out of. Available to employees of many larger companies in the UK, as well as those in the public sector, these pensions often provide

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12
Oct

Final Salary Pensions

Are they right for everyone? Final Salary Pensions are usually quite rightly considered to be the ‘Rolls Royce’ of pensions. They are the schemes often provided to employees of large firms, i.e. FTSE 100 private sector companies as well as public sector workers such as teachers, nurses, civil servants etc. The appeal for many is that the pension you receive

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15
Sep

Rising Interest Rates

– Just around the corner? When will interest rates rise? How many times have we heard that question since 2008 and the onset of the ‘Credit Crunch’? The Bank of England base rate has been at 0.5% since March 2009 and for the last 12 months the Governor of the Bank England Mark Carnie, has told people to start preparing

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29
Jun

Where There’s A Will

There’s a document that needs to be kept up to date! As a financial planner, I am used to helping my clients plan for their future – events such as job changes, retirement, education, inheritances, buying a house etc. Time flies for all of us as we know and on a personal level I remember my Son’s first day at

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7
Jun

Auto Enrolment

All Business Owners To Read! Have you heard of Auto Enrolment? If not or if you have, but have put it on the ‘to do’ list, I would suggest you need to consider this issue a priority now. Auto Enrolment is a new type of pension arrangement all employers have to provide their employees by their ‘staging date’. The largest

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