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Financial Advice
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| UK residents over the age of 55 are being hit hardest by the rises in living costs and the tightening in consumer credit markets, Skipton Building Society has found. According to research recently published by the group, Britons in this age group are more likely than any other to have tightened their belts in recent months as fuel, food and energy costs increase and credit, mortgages and loans become more difficult to come by. In the first report in a Credit Crunch Britain series, Skipton identifies that more than eight out of ten (84 per cent) ... |
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| We all like to think that we’re good with money and a new survey from CreditExpert, the online credit monitoring and identity fraud protection service from Experian, shows that 96 per cent of us believe we’re up to speed on our current financial position |
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| Like many of our clients, we are constantly updating our Continuous Professional Development (CPD). One of the many pieces of reading material we were looking through had the title of 'Advisers Have Vital Role As Persuaders'. This was based on the results of a survey which asked both individual investors and advisers 5 questions about retirement planning success. |
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| We have been seeing a lot of enquiries from clients wanting to know if a Self Invested Personal Pension (SIPP) would be appropriate for them. Let's look at an example to illustrate this. Let's say you have several personal pensions, some separate share investments and an investment property. How can you use a SIPP to invest in the shares and the property? |
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| Employees in the UK who use their own vehicle for work can claim tax free expenses. If an employee keeps records of business journeys and the amounts paid by an employer the employee may also be entitled to receive mileage allowance relief in addition to those expenses for the past six years. |
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| Mileage allowances are approved rates at which anyone in the UK using a private vehicle for business journeys can claim tax free expenses for that journey. Small businesses can legally increase the tax allowance claimed by keeping better records of business journeys in the small business accounts. |
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| Despite the convenience that paying for bills via direct debit may provide, it is not a reason for Britons to be complacent when it comes to keeping track of their money management, new research suggests. In a study carried out by moneysupermarket, it was revealed that such a payment system is becoming increasingly popular among many consumers. At present it was revealed that a quarter of credit card bills are paid using direct debit, with this proportion rising to 48 per cent for gas bills |
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| Younger generations are more likely to release equity to help them with retirement; highlighting the fact that many have not invested enough in pension schemes and savings accounts. |
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| Although the number of insolvencies fell towards the end of 2007, those figures may be due to exceptional circumstances as many are predicting that 2008 will see a record number of individuals going bust. |
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| There has been a fundamental shift in UK consumers' attitudes to debt in a relatively short time which is putting many in danger of financial meltdown, according to research commissioned by Standard Life Bank. The Personal Finance Research Centre uncovered evidence that a significant minority of young adults are relying upon borrowing to finance their day-to-day expenditure. They are also benefiting from the generosity of parents who believe that it is their duty to provide for their grown up children. |
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Garden Improvements ‘Add Privacy And Value’
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