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  • 2011
    • February
      • Do you really need to protect your income?
        02/24/11
        We naturally protect a lot of things (cars, houses, possessions, pets) but often forget about the most important thing of all that funds the things we love in life – and that’s our regular income.

        Use this budget planner to make a note of your monthly outgoings.

        Mortgage repaym

      • Time is running out to use your ISA allowance. Use it or Lose it!
        02/24/11
        Did you know that every tax year you have the opportunity to invest in stocks, shares and funds through an Individual Savings Account (ISA)?

        And did you know that, unlike other forms of investment, with an ISA you won’t pay income or capital gains tax on any growth? *

        This t

      • Major changes will be introduced to Income Tax and Pensions as from 6th April 2011
        02/24/11
        Most of the changes below will take effect from 6th April 2011:

        - Both employer and employee NI contribution rates will increase by 1%.

        - The personal tax allowance will increase to £7,475 but only for those whose earnings are below £100,000.

        - Higher rate tax of 4

      • The Latest update on National Employment Savings Trust (NEST)
        02/24/11
        From October 2012 UK employers must automatically enrol employees into a ‘qualifying workplace pension scheme’. This auto enrolment could be to your existing company pension scheme if it meets certain criteria. If it does not meet the criteria or if you do not operate a company pension scheme then y

  • 2010
    • September
      • Do you qualify for an enhanced/impaired life annuity?
        09/23/10
        Many people are surprised at just how many conditions, either medical (such as diabetes or high blood pressure) or lifestyle (such as smoking) could qualify for an income over and above a standard rate annuity.

        An estimated 55%-65% of people could have conditions that might qualify them

      • Its time to review your investments and pensions!
        09/23/10
        If you are considering retiring within the next few years you should review the funds that your pension funds is invested in to see whether any changes are necessary.

        People who are approaching the point when they take benefits from their pension plans may wish to avoid the risk of any sh

      • Don’t pay more tax than you have to… make use of your ISA allowance
        09/23/10
        It is very rare that the Government provides something which shelters your money from tax – but an Individual Savings Account (ISA) is one of those things. Introduced in 1999, it has now become the primary savings vehicle, with more than 17 million people – about 1 in every three adults – now owni

    • March
      • You only retire once and it only takes a little bit of effort to get it right!
        03/24/10
        If you are retiring soon you will receive a retirement pack from your existing pension provider, including details for buying annuities . Never sign any pension annuity papers you receive without seeking advice. You could easily get up to 30% more each year and over a 20 year period this means y

      • Congratulations to all you quitters!
        03/24/10
        If you quit smoking more than 12 months ago then read on…

        Along with the many benefits quitting smoking has on your health it may also have additional finanical benefits you may not have thought of.

        If you have a life insurance policy that was set up when you were a smoker, you

      • Your 2009/2010 Cash ISA allowance - Use it or lose it!
        03/24/10
        Have you checked the interest rate you are earning on your savings accounts lately? You could be earning as little as 0.1%!

        Make sure you earn a good return on your savings and make sure you protect this money from the taxman by placing it into an easy access Cash ISA.

        Some of

      • What is Business Protection?
        03/24/10
        Research suggests that just 4% of business owners have Business Protection cover in place even though:

        * 69% say losing a key individual would have the biggest impact on their business.
        * 29% say they would cease trading within 3 months – and 44% within a year.
        * 47% hav

    • January



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