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Investing Money – how to invest

Investing Money – how to invest

Investing Money - how to investInvesting money can be daunting for beginners. This article explores how to invest your money, from basic concepts to professional, expert tips on investing. Who should read this article? This article will be useful if you are interested...

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Dealing with a financial emergency

Dealing with a financial emergency

DEALING WITH A FINANCIAL CRISISThe recent Coronavirus pandemic has left us all feeling financially vulnerable, no matter what our situation. This article aims to provide some practical support with how to deal with a financial emergency. We take you through...

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Lifetime ISA

Lifetime ISA

The Government launched a new type of ISA called the Lifetime ISA (LISA) on 6th April 2017. This article explains how the Lifetime ISA works, who can use it, and how it is different to the main ISA. The Lifetime ISA is particularly attractive if you are aged under 40...

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Investments since Brexit

Investments since Brexit

It is nearly 3 months since the EU referendum result. We have seen some unusual circumstances and results for investments since Brexit. This article examines some of the key changes and implications for your investments since Brexit. We also share the results of our...

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Financial implications of Brexit

Financial implications of Brexit

The financial implications of Brexit could be considerable, so we have set out below the main short-term issues. In particular, we examine how Brexit could have an impact on your financial planning and investment management. Key points: There are risks to the economy...

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Borrowing to invest

Borrowing to invest

This article has been inspired by a recent newspaper article, which ignored the additional risks of borrowing to invest in property. Property investment is great for many people, but newspaper articles often simplify the investment issues surrounding property. The end...

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EU referendum resources

EU referendum resources

The UK votes in a pivotal referendum on June 23rd. What will happen to the economy if the UK votes to leave in the referendum? We have found that it can be difficult to get reliable information on the issues relevant to your decision. Therefore, we have...

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New State Pension from 2016

New State Pension from 2016

This article explains how the new State Pension works following changes made 6th April 2016. The changes do not affect you if you were already claiming the State Pension before that date. This change is important to you if you are approaching State Pension age, and...

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The personal savings allowance

The personal savings allowance

The Personal Savings Allowance will mean that most people can avoid tax on their savings interest. Most people can save up to £200 tax as a result of the changes. If you earn less than £16,850 including savings interest you could pay no interest on a further £5,000....

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Buy to let stamp duty increase

Buy to let stamp duty increase

From April 2016 buy to let investors will be subject to another tax increase. New purchases of rental properties or second homes after this date will incur an additional 3% stamp duty on top of the existing stamp duty rate. Key points Buy to let investors and second...

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Should you top up your State pension?

Should you top up your State pension?

The State pension is changing from April 2016. As a result of this change you will be offered the chance to top up your State pension if you already receive the State pension under the current rules, or will become entitled to get the State pension before April 2016,...

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Buy to let tax relief changes

Buy to let tax relief changes

From April 2017 the way you claim tax relief against a buy to let mortgage changed.If you pay income tax at 40% or 45%, and have a mortgage on your property, your buy to let profits could be severely reduced, or even wiped out. These changes will not affect you if you...

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Auto enrolment guide

Auto enrolment guide

Are you an employer looking for help and guidance dealing with your auto enrolment responsibilities? We have produced a low-cost solution to auto enrolment - a low-cost auto enrolment guide. Starting your auto enrolment project We have had many discussions with other...

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Pensions and divorce

Pensions and divorce

If you are considering divorce you should think carefully about your pension plans. The decisions you take now could have a significant impact on your future income in retirement. As part of divorce proceedings you have the right to ask the court how to divide the...

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4 flexible retirement income options

4 flexible retirement income options

The new flexible pensions will be introduced in April 2015. What are your flexible pension income options? We explore the 4 new flexible pension income options you can exploit from April 2015. This will help you to start planning methods to release your valuable...

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New ISA rules

New ISA rules

The tax-free ISA allowance is now £20,000 per person, per tax year. This article explains how the new ISA rules work, how they differ to the old ISAs, and why you should maximise your ISAs now rather than waiting until the end of the tax year (the “ISA season”). [box...

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5 auto enrolment options

5 auto enrolment options

As an employer you should be aware of auto enrolment and what it means for your business. With your auto enrolment staging date approaching fast you are probably looking around at how to comply with the legislation. What are your auto enrolment options? This article...

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Dan Woodruff. Certified Financial Planner and Chartered Wealth Manager, Colchester, Essex

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