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Thursday, 29 January 2015

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

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

Be careful not to give a present to tax man

As another festive season approaches, quicker then Rudolph’s hooves can gallop on Christmas Eve, many of you will be thinking of that ‘something different’ to give over the festive season or you might want to keep things simple with a cash gift?

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

Will a cheaper mortgage rate cost more long term?

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 12 December 2014
Published by http://www.cumberlandnews.co.uk

A cautious stamp of statement approval

As the dust settles on last week’s autumn statement there’s no doubt that the big news was about stamp duty and the fact that the chancellor has decided to change the system entirely, no doubt spurred on by the changes coming north of the border from next April.

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

Remortgaging may be a good option

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 5 December 2014
Published by http://www.cumberlandnews.co.uk

Peace of mind by having all your affairs in order

It’s long been said that there is nothing surer than death and taxes and with inheritance tax combining both of these, it makes it a very sensitive issue that most people would prefer to avoid and think about later.

Last updated 5 December 2014
Published by http://www.cumberlandnews.co.uk

Securing rental property as the nights draw in

Many responsibilities for the security of a property are divided between a landlord and tenant, and it is important that tenants know which elements they should look out for during a tenancy.

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

How far do you go to insure your health?

Barely a day goes by without the NHS being in the news for one reason or another, but whatever their views on the NHS, some people choose to take out private medical insurance (PMI) to supplement the services offered.

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

Is buy to let right investment for you?

tolet106 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 21 November 2014
Published by http://www.cumberlandnews.co.uk

Why it pays to plan for the cost of care

oldwoman2111 Planning for the cost of going into a care home is a concern for many and with the rules changing there is much confusion surrounding the matter.

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

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