Universal Deferred Payment Scheme
UNIVERSAL DEFERRED PAYMENT SCHEME What is it? It is a proposed scheme to allow people the choice to defer payments for long term care. There is an Impact assessment currently being carried out by the department of health to assess the impact of long term care funding....
UK house price update – May 2014
UK house price update – May 2014 UK house prices have continued to surge over recent months, fuelling well-documented concerns that the market might be overheating. House prices in the UK posted an annualised increase of 8% during March, having risen by 9.2% in...
NISAs – a new phase for ISAs
NISAs – a new phase for ISAs Individual Savings Accounts (ISAs) enter a new phase from 1 July 2014. At present, ISA contributions for the 2014/15 tax year are capped at £11,880. The entire amount can be invested in a stocks & shares ISA, or up to £5,940 can be...
UK economic update – May 2014
UK economic update – May 2014 The UK economic recovery continues to gather pace, triggering a slew of upgrades to growth forecasts for this year. The International Monetary Fund raised its forecast for the UK’s economic expansion during 2014 from 2.5% to 2.9%....
No one will have to buy an annuity
Guest blog from Debbie Day @ DebbieDayIFA.co.uk ‘No one will have to buy an annuity’ Chancellor George Osborne shocks annuity sector with changes to drawdown options for retirees. Following last month’s editorial with regards to annuities, Chancellor George Osborne...
2014 Budget Update – Pension Focus
2014 Budget Update - Pension Focus Chancellor of the Exchequer George Osborne set about redrawing the retirement landscape in the 2014 Budget, introducing measures to allow retirees to spend their pension pot as they choose, rather than having to buy an annuity. “Let...
2014 Budget Update – Investment Focus
2014 Budget Update - Investment Focus Chancellor of the Exchequer George Osborne's shake-up of the individual savings account (ISA) regime may have been largely unexpected but it received a broadly warm welcome nevertheless. The changes had three main strands – a...
What are my pension options?
What are my pension options? People in the UK are living longer than ever before – one in three babies born in 2013 is expected to reach its 100th birthday. That being the case, it is important to plan ahead for your retirement. The basic State Pension is designed to...
Junior ISAs
Junior ISAs I have had a number of enquiries on this subject over the last couple of weeks so I thought it would be good to put something here for information purposes. A Junior Individual Savings Account or ‘JISA’ gives children the opportunity to start saving early...
Your tax efficient ISA opportunity
Your tax efficient ISA opportunity The end of the current tax year is 5th April 2014, which means if you haven’t done so already, you still have the opportunity to take advantage of the current tax efficient allowance for this year’s ISA, which is £11,520, of which up...
Don’t forget to use your ISA allowance
Don’t forget to use your ISA allowance An Individual Savings Account (ISA) provides a rare opportunity to shelter your money from the taxman. For every pound you put in, you pay no tax or any capital gains on income or growth earned during its term. You do not even...
Why you should be saving £3 a day
Why you should be saving £3 a day Are you living on the financial edge? If so, it's time to take action now. Why you should be saving £3 a day An interesting article appeared on line recently which really hits the nail on the head. With all the talk recently regarding...
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