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Friday, 21 November 2014

Look closely at what mortgage deal means

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Buying a property is one of the biggest purchases you’re likely to make, and your mortgage will probably be your single biggest outgoing each month.

Protect your money from the taxman

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AS Independent Financial Advisors, when we meet with prospective clients, the very first process is to complete a full review of their current financial affairs.

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.

Grand Designs

kevinmccloud1411 TV's Grand Designs brings to mind how many similar parallels there are when it comes to investment.

Budgeting

Wallet photo Have you ever asked yourself where all your money goes?

Money Talk

Build future finances with a grand design

Being a regular viewer of the TV programme Grand Designs, this often brings to mind how many similar parallels there are when it comes to investment.

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

Be prepared and draw up your own budget

Wallet photo 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 14 November 2014
Published by http://www.cumberlandnews.co.uk

It’s not just deposit you need to save for

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 7 November 2014
Published by http://www.cumberlandnews.co.uk

Can you afford to be ill or unemployed?

Legal & General recently published the third edition of its UK Deadline to Breadline report which looks at how well prepared people across the UK are for an unexpected reduction or total loss of their income, due to unemployment, sickness or injury, or the death of a breadwinner.

Last updated 7 November 2014
Published by http://www.cumberlandnews.co.uk

Cut the interest you pay on a 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 31 October 2014
Published by http://www.cumberlandnews.co.uk

New pension rules can create various traps

The bulk of the changes to pensions announced in the March Budget come into effect in April next year and will give people much more choice and flexibility in how they take a retirement income.

Last updated 31 October 2014
Published by http://www.cumberlandnews.co.uk

Wavering over fixed or variable rates?

If you are thinking of moving, the first thing you need to get to grips with is how you’re going to pay for your new house.

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

Nothing to fear from the tax man

For many, getting their tax returns completed and submitted by the end of January is a massive relief but that’s just the start of the process as they have one year from the filing date to select the return for an enquiry.

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

Don’t let life be as miserable as weather

Traditionally, autumn signals an increase in particular types of insurance claims. As cosy as this time of year can be, the longer nights and colder weather can result in misery for some of us.

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

The pros and cons of pound cost averaging

If we knew when the stock market was going to rise and fall we would all know when to invest our money and when to withdraw it – in other words buy low and sell high.

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

Is now the time to move to a fixed rate mortgage?

The Bank of England base rate has been at 0.5 per cent for over five years.

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

Wise up on changes to tax rules on trusts

HM Revenue and Customs have for the last few years been consulting on how to change the way that trusts are taxed. The third consultation closed on August 29 this year.

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

Never underestimate the importance of lists

Landlords should not underestimate the importance of producing a detailed inventory and schedule of condition at the start of a tenancy.

Last updated 3 October 2014
Published by http://www.cumberlandnews.co.uk

Keep ownership until cash is in the bank

This article is aimed at individuals and companies who supply goods to customers.

Last updated 3 October 2014
Published by http://www.cumberlandnews.co.uk

Look closely at what mortgage deal means

Buying a property is one of the biggest purchases you’re likely to make, and your mortgage will probably be your single biggest outgoing each month.

Last updated 26 September 2014
Published by http://www.cumberlandnews.co.uk

Will I be financially stable, when I’m 64?

Life is full of milestones, such as starting school, becoming a teenager, embracing adulthood on your 18th birthday, or each passing decade as it brings potentially new and exciting experiences.

Last updated 26 September 2014
Published by http://www.cumberlandnews.co.uk

Be in the know and you’ll get will right

There are five things everyone should know about wills and trusts.

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

Career-change means board - never bored

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. Perhaps, after 30 years in the same career, you find that the position you have reached is not as attractive as it looked 30 years ago, the pressure of the job seems to be ever increasing and you would love a new challenge, but what else can you do?

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

Special deal ending? Time to shop around

housenib2910 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. Many lenders are keen to attract new borrowers with a large amount of equity in their homes, and who are able to demonstrate a good payment history.

Last updated 12 September 2014
Published by http://www.cumberlandnews.co.uk

Who'll advise you not to buy a flash car?

lamborghini18 George Osborne’s March 2014 Budget saw the prospect of a new dawn for individuals with personal pension funds.

Last updated 12 September 2014
Published by http://www.cumberlandnews.co.uk

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