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Creating an effective ISA strategy
- 4th May 2017
- Posted by: shayne
- Category: Savings & ISAs
No CommentsCreating an effective ISA strategy Integrating ISAs into your savings strategy. It’s not a secret that cash ISA rates have been poor for a number of years. Gone are the days where you could deposit money into a savings account and expect a healthy return. Yet nowadays the ISA market extends far beyond cash accounts.
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Getting ready to invest
- 4th May 2017
- Posted by: shayne
- Category: Investment
Getting ready to invest Information you need to know before making your first investment. It’s hard to underestimate the importance of preparation for newcomers to investing. Even the most experienced investors will spend a great deal of time defining their goals, exploring their options and developing an investment strategy best suited to their needs. While
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Wealth Knowledge April 2017
- 2nd April 2017
- Posted by: shayne
- Category: Wealth Knowledge
Wealth Knowledge April 2017 Families help first time buyers get onto property ladder A third of first time buyers receive financial help from their family save for a deposit, according to Opinium. These first time buyers estimate that their deposit will be 32% of their salary on average. Further findings: 19% expect their deposit to
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Auto-enrolment for small employers
- 2nd April 2017
- Posted by: shayne
- Category: Small Business
Auto-enrolment for small employers An introduction to the auto-enrolment process for employers with small workforces. Do any of these situations sound familiar? You’ve heard of auto-enrolment but your start date is a long way off so you haven’t done anything about it. Perhaps you’ve been meaning to look into your responsibilities but the demands of
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Working out your attitude to risk
- 2nd April 2017
- Posted by: shayne
- Category: Risk Management
Working out your attitude to risk Your attitude to risk will determine your investment strategy. Investing is an inherently risky activity and there is no guarantee that you will meet your goals. As well as the specific types of risk that come from different kinds of investments, each individual must be aware of their own
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Tax Card 2017/18
- 22nd March 2017
- Posted by: shayne
- Category: Tax
Tax Card 2017/18 TAXABLE INCOME BANDS AND TAX RATES 2017/18 2016/17 Starting rate of 0% on savings up to £5,000* £5,000* Basic rate band Scottish basic rate band £33,500 £31,500 £32,000 £32,000 Higher rate band Scottish higher rate band £33,501-£150,000 £31,501-£150,000 £32,001-£150,000 £32,001-£150,000 Basic rate 20% 20% Higher rate 40% 40% Additional rate 45%
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Spring Budget 2017
- 9th March 2017
- Posted by: shayne
- Category: Spring Budget
Spring Budget 2017 Introduction Chancellor Philip Hammond described his first and last Spring Budget as one that “takes forward our plan to prepare Britain for a brighter future”. The economic forecasts outlined by the Office for Budget Responsibility (OBR) were broadly in line with those from the Autumn Statement in November 2016. Inflation is forecast
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Wealth Knowledge March 2017
- 28th February 2017
- Posted by: shayne
- Category: Wealth Knowledge
Wealth Knowledge March 2017 Government measures distort childcare costs A family earning the national average spends up to a third of their net income on childcare costs, according to the Institute of Economic Affairs (IEA). The government currently spends over £7 billion on childcare benefits. The IEA claims that government subsidies, such as the free
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Property and inheritance tax
- 28th February 2017
- Posted by: shayne
- Category: Tax
Property and inheritance tax Could you benefit from changes to inheritance tax? Inheritance tax basics IHT is payable if a person’s estate (their property, money and possessions) is valued at more than the nil-rate band when they die. The current nil-rate band has been set at £325,000 since 2009. Anything that exceeds this is taxed
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Protecting people in your business
- 28th February 2017
- Posted by: shayne
- Category: Business
Protecting people in your business A guide to the financial protection for the people that make your business a success. The old adage that a business is only as good as its employees is an important one to remember when it comes to insurance. A firm’s workforce is the most important investment it will make