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Monday, 02 March 2015

Remortgage to save thousands

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When you come to the end of the special deal period on your mortgage, it’s worthwhile looking to the market to see what else is currently on offer.

Protect your money from the taxman

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We are fast approaching the deadline for self-assessment tax returns, which is also when those who are self-employed or who have continued to receive the child benefit, while earning more than £50,000, will be due to submit their return and pay outstanding tax.

Do the new ISA rules trump the new pensions?

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WITH access to investors’ pension money expected to open up from April 2015, it has placed many pension schemes on a level playing field with ISAs.

Information highway delivering benefits

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Technology, environmental and efficiency improvements are leading businesses to change the way information is used and held and financial information is no different in this regard.

Money Talk

How to remortgage to escape interest or raise funds

When you come to the end of the special deal period on your mortgage, it’s worthwhile looking to the market to see what else is currently on offer.

Last updated 27 February 2015
Published by http://www.cumberlandnews.co.uk

Make your condition check at the outset

Landlords should not underestimate the importance of producing a detailed inventory and schedule of condition at the start of a tenancy, whether their property is furnished or unfurnished.

Last updated 20 February 2015
Published by http://www.cumberlandnews.co.uk

Don’t let Chancellor get your inheritance

Inheritance tax (IHT) is an unwelcome burden to many families on the death of a loved one. It hits straight away, as it has to be paid even before probate can be obtained and control established over the assets of the deceased.

Last updated 20 February 2015
Published by http://www.cumberlandnews.co.uk

Private residence relief a valuable exemption

As most people will know, the sale of your main residence is exempt from capital gains tax (CGT) providing the property has been the only or main residence throughout the period of ownership, or throughout that period except for any part of the final 18 months.

Last updated 13 February 2015
Published by http://www.cumberlandnews.co.uk

Heed these tips and beat the fraudsters

Fraudsters are clever people who obtain money (or goods) by deceiving genuine people, like you, out of your money. Don’t be fooled by their schemes.

Last updated 13 February 2015
Published by http://www.cumberlandnews.co.uk

Very tax efficient way to boost your savings

The start of the new financial year in April will see massive changes to pension legislation, with much greater flexibility over how the benefits built can be accessed.

Last updated 6 February 2015
Published by http://www.cumberlandnews.co.uk

Catering for a mid-life change in your career

As life expectancy increases and the age at which we can expect to retire rises, many people are now considering a change of career in mid-life.

Last updated 6 February 2015
Published by http://www.cumberlandnews.co.uk

Two essential things you need to know

If you’ve ever asked yourself where all your money goes, or you always seem to have spent your salary before the next pay day, you need to consider budgeting.

Last updated 30 January 2015
Published by http://www.cumberlandnews.co.uk

Are these new rules a NISA little earner?

In the 2014 Budget, the Chancellor of the Exchequer made some sweeping changes to the rules surrounding pensions and individual savings accounts (ISAs).

Last updated 30 January 2015
Published by http://www.cumberlandnews.co.uk

Deposit not only cost of buying new home

If you’re planning to buy your first home there are a number of costs which many first time buyers do not consider.

Last updated 23 January 2015
Published by http://www.cumberlandnews.co.uk

Don’t let dividends eat into your profits

As an insolvency practitioner I cannot tell you how many times that I have heard these words: “But I thought that if I operated as a limited liability company financially there would be no personal implications for me if it enters into an insolvency process.”

Last updated 23 January 2015
Published by http://www.cumberlandnews.co.uk

Advice on taking your credit cards abroad

In the UK, we are generally accustomed to using our ‘plastic’ without charge. However, overseas card transactions often carry a cost.

Last updated 16 January 2015
Published by http://www.cumberlandnews.co.uk

Don’t fear HMRC’s brown envelopes

Letterbox photo We are fast approaching the deadline for self-assessment tax returns, which is also when those who are self-employed or who have continued to receive the child benefit, while earning more than £50,000, will be due to submit their return and pay outstanding tax.

Last updated 16 January 2015
Published by http://www.cumberlandnews.co.uk

Not earning interest? Pay off your mortgage!

Low interest rates over the last few years may have been good news for borrowers, but the same cannot be said for savers.

Last updated 9 January 2015
Published by http://www.cumberlandnews.co.uk

Seize the moment to sort out your tax

As another New Year begins, there will be many a tax adviser having the annual panic over the looming January 31 tax deadline.

Last updated 9 January 2015
Published by http://www.cumberlandnews.co.uk

Significant other now benefits from your ISA

pensioners161 Much of George Osborne’s announcements in his Autumn Statement seemed to have been leaked to the press in advance of his speech, but one area where he did offer up something of a surprise was that from the start of the next tax year ISA ‘inheritability’ will exist. So what does this mean?

Last updated 2 January 2015
Published by http://www.cumberlandnews.co.uk

Essential checklist for a successful sale

estateagent21 The arrival of a new year steers many to consider moving home, particularly if any personal circumstances are driving such an important decision.

Last updated 2 January 2015
Published by http://www.cumberlandnews.co.uk

Saving is a habit to acquire early in life

piggybank44 When our children eventually fly out from beneath our wings, they are likely to start their independent lives with bills or student debt. As parents, it’s important for us to encourage our children into a saving habit early on and, if possible, ensure they have a nest egg for the costs that lie ahead of them.

Last updated 30 December 2014
Published by http://www.cumberlandnews.co.uk

Mortgage advice first step for first-timers

Buying your first property can appear a daunting experience but with the right help along the way it should not be as stressful as many would make it out to be. If you are considering dipping into the property market for the first time, then the following tips may prove useful to you.

Last updated 19 December 2014
Published by http://www.cumberlandnews.co.uk

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