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Thursday, 02 October 2014

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Money Matters advice from the experts

Get the tax on your house in order before HMC does

Most people are aware that they don’t have to pay capital gains tax (CGT) if they sell their home for more than they paid for it. This “profit” is essentially tax free.

Last updated 15 June 2012
Published by http://www.cumberlandnews.co.uk

Make the most of your chosen business account

Many people go to great lengths to research the best business banking provider for their business but then fail to bank in the most cost effective way.

Last updated 15 June 2012
Published by http://www.cumberlandnews.co.uk

Opening a new account is lots easier than you think

Despite high levels of complaints about banks and their services, a high proportion of UK banking customers continue to remain loyal to their current bank.

Last updated 8 June 2012
Published by http://www.cumberlandnews.co.uk

For a life-changing pension pot, start saving at birth

I am sure we would all like to think that we have done all we can to contribute to the financial futures of our children. Although a child’s retirement is probably the furthest thing from most parents’ minds, starting pensions early can have a dramatic effect.

Last updated 8 June 2012
Published by http://www.cumberlandnews.co.uk

Enjoy the bank holiday but don’t end up in hospital!

Bank holiday weekends typically inspire many home owners to undertake DIY tasks. However, care must be taken to avoid experiencing any related problems, accidents or personal injury.

Last updated 1 June 2012
Published by http://www.cumberlandnews.co.uk

Is your company ready for 2012’s pension shake-up?

From October 2012 the process commences whereby employees will start to be enrolled in a pension scheme automatically by their employer.

Last updated 1 June 2012
Published by http://www.cumberlandnews.co.uk

Don’t be modest with the insurance cover you need

Buying a house is likely to be the biggest purchase that you will make in your life.

Last updated 25 May 2012
Published by http://www.cumberlandnews.co.uk

Trust independent financial advice on inheritance tax

Even in these difficult financial times, or perhaps even especially in these times, many grandparents will want to help out the younger generation financially.

Last updated 25 May 2012
Published by http://www.cumberlandnews.co.uk

Business sense will clinch that commercial mortgage

The number of lenders providing commercial mortgages has decreased over the past five years. However, it is still possible to secure a commercial mortgage with lenders looking for low-risk, good-quality loans from applicants who are able demonstrate they have the skills to be successful and can comfortably service the borrowing.

Last updated 18 May 2012
Published by http://www.cumberlandnews.co.uk

Finding your way through the investment minefield

Over recent years investment markets have become more volatile and less predictable, a good example being the FTSE 100, a measure of the 100 largest companies based in the United Kingdom, which currently stands over 20 per cent lower than in 1999.

Last updated 18 May 2012
Published by http://www.cumberlandnews.co.uk

Take an interest in your mortgage’s rates and fees

Spring will soon become summer and your thoughts may well be turning to moving home. The housing market appears to be fairly active at the moment with new properties coming on for sale week by week and, with mortgage deals continuing to be available at very low rates, the signs appear promising.

Last updated 11 May 2012
Published by http://www.cumberlandnews.co.uk

Aid givers might lose out, but estates could win

The Budget has generated some interesting headlines with the whole issue of charitable donations being thrust into the public eye. However, for those working in the charity sector and those individuals who wish to make generous gifts the important factors are what has changed and what remains the same.

Last updated 11 May 2012
Published by http://www.cumberlandnews.co.uk

Top tips for safe spending on plastic when abroad

In the UK, we are generally accustomed to using our “plastic” without charge, however, overseas card transactions often carry a cost.

Last updated 4 May 2012
Published by http://www.cumberlandnews.co.uk

End of stamp duty holiday looming large for buyers

mbhouse1 The stamp duty holiday for first-time buyers came to an end on March 25, 2012 and thresholds returned to a one per cent levy on purchases over £125,001 to £250,000, three per cent on purchases between £250,001 and £500,000 and four per cent on purchases between £500,001 and £1,000,000, for all buyer types.

Last updated 4 May 2012
Published by http://www.cumberlandnews.co.uk

Simple rules for getting your tax return in on time

Should you make a tax return? Well, that sounds like a fairly simple question but during the year ahead many people will be finding out the hard way that they should have completed one and are now about to be penalised for not doing so.

Last updated 27 April 2012
Published by http://www.cumberlandnews.co.uk

Read the small print before relaxing in summer garden

With the summer approaching, gardens will soon become much more regularly used for recreational enjoyment by home owners.

Last updated 27 April 2012
Published by http://www.cumberlandnews.co.uk

At the riskier end of ways to save tax efficiently

In previous articles we have written about the tax benefits of investing in pensions and individual savings accounts (ISAs). This time I will explore two more tax efficient, but less well known investment vehicles – venture capital trusts (VCTs) and enterprise investment schemes (EIS).

Last updated 20 April 2012
Published by http://www.cumberlandnews.co.uk

Fix problems before they cost you a lot of money

UK homeowners are champions at spotting and dealing with common maintenance problems inside their homes, but are risking potentially large bills for repairs by failing to check for issues on the outside.

Last updated 20 April 2012
Published by http://www.cumberlandnews.co.uk

It’s not a cliché that we should all be saving...

Over the last month or so you may have noticed many adverts in the windows of banks and building societies, or adverts in newspapers from financial institutions encouraging us to use up your Individual Savings Account (ISA) allowance prior to the end of the financial year.

Last updated 13 April 2012
Published by http://www.cumberlandnews.co.uk

Spring clean your finances, including your mortgage

We are all trying to make our money go further in these difficult economic times, and as mortgages are, for many of us, our single biggest monthly expense, they should be the first area to be considered when we review our outgoings.

Last updated 13 April 2012
Published by http://www.cumberlandnews.co.uk

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