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Friday, 19 December 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.

Money Talk

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

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

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