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Tuesday, 05 May 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.

New pension rules can create various traps

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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.

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

An agent can take the stress out of letting

Letting your property can feel daunting with the complexities of government legislation and health and safety to consider, but a good letting agent will ensure that the process is as stress free as possible.

Last updated 1 May 2015
Published by http://www.cumberlandnews.co.uk

How to get blood from a stone

This is the actual “Wiktionary” definition of this familiar phrase: “Something that cannot be obtained, regardless of how much force or persuasion is used. Borrowing money from him is like getting blood from a stone!”

Last updated 1 May 2015
Published by http://www.cumberlandnews.co.uk

Pension guide for the Lamborghini Brigade

I have been officially appointed as ‘T’Ole Lass‘ for purposes of this column as I am deemed to be qualified to write about issues affecting the ‘more experienced‘ end of the business population.

Last updated 24 April 2015
Published by http://www.cumberlandnews.co.uk

How to avoid falling victim to 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 24 April 2015
Published by http://www.cumberlandnews.co.uk

With low rates should you fix a mortgage?

With the Bank of England interest rate still at 0.5 per cent, and looking likely to remain low for the foreseeable future, you are faced with quite a choice if you are currently in the market for a mortgage.

Last updated 17 April 2015
Published by http://www.cumberlandnews.co.uk

Taking care of your bundles of joy

Having a baby can be both an exciting and stressful time, so it is worth being prepared and knowing what pay and time off you will be entitled to, so that finances don’t become an unnecessary worry.

Last updated 17 April 2015
Published by http://www.cumberlandnews.co.uk

Taking the pain out of switching accounts

Switching current accounts is perceived to be a hassle. There are lots of things to do, including swapping direct debits, moving your salary, amending standing orders, getting a new debit card and cheque book, etc.

Last updated 10 April 2015
Published by http://www.cumberlandnews.co.uk

The good old bank of mam and dad?

University applications are well advanced and many students have offers for courses. Whether you’re a parent or a student you’ll probably be wondering how it’s all going to be paid for.

Last updated 10 April 2015
Published by http://www.cumberlandnews.co.uk

So what did George Osborne really leave us with?

Last week’s budget was the last one before the election campaign gets under way and the Chancellor certainly used this opportunity to set out his economic path for the future, if he were to continue.

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

Play your cards right when you go abroad

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

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

Buy to let won’t make you into a millionaire

In the past many people have regarded buy to let as a means of making money quickly rather than as a long-term investment.

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

Easter is the time to nurture your nest egg

Investing into an ISA isn’t a new concept – they have been around since April 1999 – and replaced their predecessors, Personal Equity Plans and TESSAs, which offered similar tax breaks but with lower annual investment limits.

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

The questions to ask your mortgate lender

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 13 March 2015
Published by http://www.cumberlandnews.co.uk

Do you really have to pay inheritance tax?

The recent article written by colleague Graham Poles on the subject of paying inheritance tax raised some considerations in dealing with the IHT burden.

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

Taxing pre-election issues for Chancellor

In just over two weeks we’ll hear what changes the Chancellor will introduce, to the tax system, in the last Budget before the general election in early May.

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

First of all, invest in good mortgage advice

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.

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

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

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