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Can you afford to live to 100?
- 7th March 2020
- Posted by: shayne
- Category: Retirement
No CommentsCan you afford to live to 100? Increasing longevity equates to longer retirement. Going back 30 or 40 years, retiring at the age of 65 and living off of your state pension for the rest of your life was doable. Mind you, life expectancy was much lower in the 1980s. For example in 1988, the
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Buy-to-let: is it still worth it?
- 5th March 2020
- Posted by: shayne
- Category: Home Buying, Investment
Buy-to-let: is it still worth it? Weighing up the effects of landlord tax changes. Since the mid-2000s, the UK private-rented sector has seen a huge surge in growth, with 2.8 million households in 2007 rising to 4.5m in 2017, according to the Office for National Statistics. With low interest rates discouraging cash saving, and rising
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Wealth Knowledge February 2020
- 7th February 2020
- Posted by: shayne
- Category: Wealth Knowledge
11,000 retirees set to be worse off when state pension boost ends Thousands of retirees face being more than £3,500 worse off in retirement from April, when extra payments to adult dependants come to an end. The adult dependency increase is usually paid to a spouse or civil partner who is below state pension age
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The importance of drafting a valid will
- 7th February 2020
- Posted by: shayne
- Category: Estate Planning, Wills
The importance of drafting a valid will Choosing how your estate is managed after you die. Writing a will is one of the most important things you can do to protect your family’s financial future. It gives you choice and control over the way your estate will be handled after you die, allowing you to
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Long-term saving options for children
- 6th February 2020
- Posted by: shayne
- Category: Savings & ISAs
Long-term saving options for children Tax-efficient ways to prepare for the future. For wealthy parents and grandparents who want to financially assist younger generations, building a nest egg on their behalf can go a long way. It can also potentially reduce the value of your estate for inheritance tax purposes, making saving for a child
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Year-End Tax Guide 2019/20
- 20th January 2020
- Posted by: shayne
- Category: Year End Tax Guide
Year-End Tax Guide 2019/20 How to use this tax guide The last few months of the tax year are the ideal time to pause and reflect, and to make sure you’ve organised your finances as efficiently as possible before the new tax year begins on 6 April 2020. It’s important to consider this from every
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Wealth Knowledge – January 2020
- 9th January 2020
- Posted by: shayne
- Category: Wealth Knowledge
Fixed-rate mortgage prices and product fees in year-on-year fall A fixed-rate war between mortgage lenders is driving prices for decade-long products to enticing lows, Moneyfacts has said. At the start of last month, homeowners could take advantage of 62 ten-year fixed-rate mortgages on the market. These products freeze mortgage repayments for a decade at a
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Protection policies to consider
- 8th January 2020
- Posted by: shayne
- Category: Insurance
Protection policies to consider How to safeguard your income in uncertain times. In the last few years we’ve seen a huge amount of political upheaval, along with several high-profile business failures and accompanying job losses. September 2019 saw travel group Thomas Cook collapse and cause around 9,000 job losses in the UK, and 22,000 worldwide.
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High earners and the tapered allowance
- 6th January 2020
- Posted by: shayne
- Category: Tax
High earners and the tapered allowance Controversial taper rules explained. High earners will be familiar with the tapered annual allowance. After all, it spent most of 2019 mired in controversy after medical professionals in England snubbed overtime shifts amid fears of being clobbered with unexpectedly high tax bills. In December 2018, the number of senior