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Wealth Knowledge – January 2020
- 9th January 2020
- Posted by: shayne
- Category: Wealth Knowledge
No CommentsFixed-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
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Wealth Knowledge – December 2019
- 4th December 2019
- Posted by: shayne
- Category: Wealth Knowledge
Savers warned over raiding pension to invest in property Retirement savers in their mid-40s and early 50s have been urged to think twice about accessing their pension to invest in buy-to-let property. YouGov polled 2,014 over-45s on behalf of Royal London and found 15% of over-55s are considering investing in property to fund their retirement.
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An overview of trusts
- 3rd December 2019
- Posted by: shayne
- Category: Trusts
An overview of trusts Protecting assets to pass on to others. If you’re passing on your money, property or investments – to a relative, a friend or an organisation – you want to ensure it goes to the right person or cause and is used as you wish. As a legal agreement over how your
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Financial planning for sole traders
- 2nd December 2019
- Posted by: shayne
- Category: Self Employed
Financial planning for sole traders Important considerations for the self-employed. Being your own boss continues to appeal, with 3.5 million sole trader businesses registered in the UK at the start of 2019. Sole traders, according to the Department for Business, Energy and Industrial Strategy in October 2019, account for around 59% of the UK’s entire
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The case of the missing Budget
- 15th November 2019
- Posted by: shayne
- Category: Autumn Statement
The case of the missing Budget Introduction It’s been an eventful few years in British politics, but 2019 has been something else again with one jolt after another. The 29 March deadline for the UK to leave the EU was extended to 31 October and then again until 31 January 2020. Boris Johnson replaced Theresa
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Wealth Knowledge – November 2019
- 8th November 2019
- Posted by: shayne
- Category: Wealth Knowledge
Wealth Knowledge – November 2019 HMRC reveals surge in the number of pension allowance breaches Substantially more pensioners were taxed for exceeding the pensions annual allowance in 2017/18 than the previous year. New statistics from HMRC reveal that 26,550 people had pension contributions that exceeded the £40,000 annual allowance last year – up from 18,500
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The dangers posed by pension scams
- 6th November 2019
- Posted by: shayne
- Category: Pension
The dangers posed by pension scams Getting to grips with the warning signs. Cold calls, time-limited offers and claims of guaranteed returns are among the tactics being used to tempt pension savers into risking their retirement income. Fraudsters have been deploying these tactics, and tweaking them to get around legislation along the way, ever since
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Diversifying your savings
- 5th November 2019
- Posted by: shayne
- Category: Savings & ISAs
Diversifying your savings Reduce risk with a mix of savings and investments. Diversification is such a commonly-used term in relation to savings and investments that it can sound like a buzzword, but the basic idea behind it is simple enough. It’s the practice of making a variety of investments in order to reduce the overall