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Sunday, 01 March 2015

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Money Matters advice from the experts

Payroll is at heart of being AE compliant

News that Dunelm Soft Furnishings underpaid its initial auto-enrolment contributions by £143,000, as a result of a defective payroll system, highlights the importance for all employers to check when their staging dates are and to take appropriate action in good time.

Last updated 23 May 2014
Published by http://www.cumberlandnews.co.uk

Balance what comes in and goes out

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 16 May 2014
Published by http://www.cumberlandnews.co.uk

You can’t not die but you can reduce tax

It is sometimes said that death and taxes are unavoidable. With inheritance tax (IHT) these issues are combined which does, perhaps, explain why it is such an unpopular tax.

Last updated 16 May 2014
Published by http://www.cumberlandnews.co.uk

How to escape being a mortgage prisoner

Many people are finding themselves in a situation where they could be described as mortgage prisoners, but unlike most prisoners they may not know they are locked up.

Last updated 9 May 2014
Published by http://www.cumberlandnews.co.uk

Don’t fall foul of DIY disasters by tenants

Landlords should be aware of the potential problems that can occur when they give tenants permission to decorate their property during a tenancy.

Last updated 9 May 2014
Published by http://www.cumberlandnews.co.uk

Protection important in real world as well

My last few articles have looked at wealth accumulation through investment or retirement planning and the various routes an investor could consider to achieve their objectives.

Last updated 2 May 2014
Published by http://www.cumberlandnews.co.uk

Help is at hand when buying first house

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 2 May 2014
Published by http://www.cumberlandnews.co.uk

Guest house owners getting bedded in

Some people say that running a guest house can be a little like having a new baby – lots of early mornings, plenty of laundry and a likely negative impact on your social life.

Last updated 25 April 2014
Published by http://www.cumberlandnews.co.uk

More choice in ISAs thanks to new rules

There has been much noise made around changes to pension legislation since the Chancellor delivered his latest budget and I have covered some of these in recent articles, but today I wanted to look another area of change: ISAs.

Last updated 25 April 2014
Published by http://www.cumberlandnews.co.uk

Will the new pension reforms affect you?

Having listened to many budgets over the years, I cannot think of one which introduced such radical reforms to retirement planning as the March 2014 budget did.

Last updated 24 April 2014
Published by http://www.cumberlandnews.co.uk

Savers could benefit from offset 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 24 April 2014
Published by http://www.cumberlandnews.co.uk

New tax year brings changes to allowance

With the clocks going forward and the lighter nights upon us it can only mean one thing – it is the dawn of a new tax year.

Last updated 11 April 2014
Published by http://www.cumberlandnews.co.uk

Boosting child’s rate of interest in saving

When our children eventually fly out from beneath our wings, they are likely to start their independent lives with bills or student debt.

Last updated 11 April 2014
Published by http://www.cumberlandnews.co.uk

ISAs are a great way to develop nest-egg

Individual savings accounts – or ISAs – were introduced over a decade ago. They are intended to encourage more of us to save for the future by offering tax perks on the money we invest.

Last updated 4 April 2014
Published by http://www.cumberlandnews.co.uk

Fixed rate deals are coming to the fore

Recent comments by Mark Carney, Governor of the Bank of England, regarding possible rises in interest rates over the next few years, has prompted more and more people into looking towards fixed rate mortgages in an effort to provide them with security and peace of mind.

Last updated 4 April 2014
Published by http://www.cumberlandnews.co.uk

The pro and cons of types of mortgages

What types of mortgage are there, and how do you go about selecting the right mortgage product?

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

Landlords - get your tax affairs up to date

H M Revenue and Customs run campaigns all the time which focus on sectors where they perceive that significant amounts of tax are not being paid. Just recently their attention has shifted again to focus on landlords.

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

Don’t let year slip by taking reliefs with it

For tax advisers such as myself, March acts as a reminder that it’s time to review your affairs before the end of the tax year on April 5.

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

Time to look at a fixed-rate mortgage?

The Bank of England base rate has now been at 0.5 per cent for five years. No-one knows when rates will change, but it seems increasingly likely that at some point in the foreseeable future the base rate will rise and this will have a knock-on effect for many mortgages that are not on a fixed-rate basis.

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

Don’t fall foul of card costs on your travels

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

Last updated 14 March 2014
Published by http://www.cumberlandnews.co.uk

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