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Thursday, 24 April 2014

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Personal finance advice

Will the new pension reforms affect you?

Having listened to many budgets over the years, I cannot think of one which introduced such radical reforms to retirement planning as the March 2014 budget did.

Last updated 24 April 2014
Published by http://www.cumberlandnews.co.uk

Savers could benefit from offset mortgage

The 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 24 April 2014
Published by http://www.cumberlandnews.co.uk

New tax year brings changes to allowance

With the clocks going forward and the lighter nights upon us it can only mean one thing – it is the dawn of a new tax year.

Last updated 11 April 2014
Published by http://www.cumberlandnews.co.uk

Boosting child’s rate of interest in saving

When our children eventually fly out from beneath our wings, they are likely to start their independent lives with bills or student debt.

Last updated 11 April 2014
Published by http://www.cumberlandnews.co.uk

ISAs are a great way to develop nest-egg

Individual savings accounts – or ISAs – were introduced over a decade ago. They are intended to encourage more of us to save for the future by offering tax perks on the money we invest.

Last updated 4 April 2014
Published by http://www.cumberlandnews.co.uk

Fixed rate deals are coming to the fore

Recent comments by Mark Carney, Governor of the Bank of England, regarding possible rises in interest rates over the next few years, has prompted more and more people into looking towards fixed rate mortgages in an effort to provide them with security and peace of mind.

Last updated 4 April 2014
Published by http://www.cumberlandnews.co.uk

The pro and cons of types of mortgages

What types of mortgage are there, and how do you go about selecting the right mortgage product?

Last updated 28 March 2014
Published by http://www.cumberlandnews.co.uk

Landlords - get your tax affairs up to date

H M Revenue and Customs run campaigns all the time which focus on sectors where they perceive that significant amounts of tax are not being paid. Just recently their attention has shifted again to focus on landlords.

Last updated 28 March 2014
Published by http://www.cumberlandnews.co.uk

Don’t let year slip by taking reliefs with it

For tax advisers such as myself, March acts as a reminder that it’s time to review your affairs before the end of the tax year on April 5.

Last updated 21 March 2014
Published by http://www.cumberlandnews.co.uk

Time to look at a fixed-rate mortgage?

The Bank of England base rate has now been at 0.5 per cent for five years. No-one knows when rates will change, but it seems increasingly likely that at some point in the foreseeable future the base rate will rise and this will have a knock-on effect for many mortgages that are not on a fixed-rate basis.

Last updated 21 March 2014
Published by http://www.cumberlandnews.co.uk

Don’t fall foul of card costs on your travels

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

Last updated 14 March 2014
Published by http://www.cumberlandnews.co.uk

Will pension allowance reductions affect you?

During my time working in the financial services industry I have come to accept changes in pensions legislation as part of the norm.

Last updated 14 March 2014
Published by http://www.cumberlandnews.co.uk

Peace of mind over mortgage applications

On introducing me as the new property finance consultant at Armstrong Watson, a member of staff started to explain how much trouble they had securing a mortgage for the new property they had recently bought.

Last updated 10 March 2014
Published by http://www.cumberlandnews.co.uk

It’s worth looking to see what’s on offer

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 10 March 2014
Published by http://www.cumberlandnews.co.uk

It’s so important to go with the flow

Effective management of cash flow is the key aspect of all business planning.

Last updated 28 February 2014
Published by http://www.cumberlandnews.co.uk

Sound advice when it comes to annuities

Within the last six months we have seen an increasing disquiet over the state of the annuity market.

Last updated 28 February 2014
Published by http://www.cumberlandnews.co.uk

Making an inventory so vital for landlords

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

Last updated 21 February 2014
Published by http://www.cumberlandnews.co.uk

Capital idea that will benefit happy couples

It’s only a week since Valentine’s Day and I thought it would be the perfect opportunity to balance out my recent article on divorce with a look at how tax works in marriage and civil partnerships.

Last updated 21 February 2014
Published by http://www.cumberlandnews.co.uk

It pays to get right advice on finances

It’s that time of year again when many people are planning their summer holidays.

Last updated 14 February 2014
Published by http://www.cumberlandnews.co.uk

Fancy the challenge of running a B&B?

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 14 February 2014
Published by http://www.cumberlandnews.co.uk

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