Archive for 2007

What next for House Prices?

Saturday, December 22nd, 2007

Managing Director, Worldwide Financial Planning, Writes:

It’s very easy for me to remain unemotional about house prices as I have neither an axe to grind nor anything to lose. Remaining detached allows you to look purely at the numbers.

Tags: Bank of England, house price inflation, house prices, housing market, interest rates

Posted in Mortgage, Weekly Articles | No Comments »

Read more

Worldwide at the Double

Thursday, December 20th, 2007

Not content with picking up awards for financial planning a Cornish business has also proved it’s a winner on the pitch.

Tags: football, Worldwide Financial Planning

Posted in News | No Comments »

Read more

Warning to Cornish shoppers not to get wrapped up in debt

Thursday, December 13th, 2007

Cornish shoppers are been warned against getting wrapped up in debt this Christmas.

Tags: Christmas spending tips, credit cards, debt

Posted in News | No Comments »

Read more

Have fun after work…discover the best way to save for retirement.

Wednesday, December 12th, 2007

Do you have a view on the best way to save for retirement? Is it a pension or is it an Isa for example?

Tags: pensions, personal tax allowances, saving for retirement, tax relief

Posted in Pension, Weekly Articles | No Comments »

Read more

Am I protected if my lender gets into trouble?

Thursday, December 6th, 2007

Reader Writes:
I was wondering what protection I have as a consumer both in terms of my savings and also my mortgage should the society I am using fall into trouble. I was also wondering what I should consider as I am re-mortgaging and want the best terms and fees.

Tags: interest rates, lenders, loans, mortgage rates, mortgages, Northern Rock

Posted in Mortgage, Weekly Articles | No Comments »

Read more

House Price Fall could Boost Cornish First Time Buyers

Friday, November 30th, 2007

A Cornish independent financial adviser believes news that house prices have fallen by the largest margin for 12 years can be seen as positive for many of the counties first time buyers.

Tags: CGT, fall in house prices, first time buyers, house prices, inflation, Nationwide, second home owners

Posted in News | No Comments »

Read more

Should I stay invested?

Wednesday, November 28th, 2007

Managing Director, Worldwide Financial Planning, writes:
The last few weeks have been anything but boring in the investment world. For the first time in a long time, investors are questioning whether or not they should stay invested.

Tags: credit crunch, equities, FTSE100, investments, property

Posted in Investment, Weekly Articles | No Comments »

Read more

Rosy Return for Commercial Property

Monday, November 26th, 2007

Back in February I was asked about commercial property and if I would buy it and I said no. The reason for that was because I believed that REITs would outperform them. A REIT (real estate investment trust) in very simple terms buys real estate. Its main advantage (or disadvantage) is that it is effectively a share and that share can trade at a discount to the asset it holds.

Tags: commercial property, London, overseas investors, pension funds, REITs

Posted in Commercial Finance, Really Useful Money Stuff, Weekly Articles | No Comments »

Read more

Surviving spouses and Inheritance Tax – the nil rate band implications

Tuesday, November 20th, 2007

Reader Writes:
Your recent column on inheritance tax (IHT) mentioned the change in the pre budget report and that IHT had just become much easier. I have just considered there may well be quite a gap between the first and second death so I was wondering what needs to happen on first death and what a surviving spouse should now do if their spouse has pre deceased them.

Tags: IHT, Inheritance tax, nil rate band, Will

Posted in Inheritance Tax, Weekly Articles | No Comments »

Read more

What is a Mirror Fund?

Friday, November 16th, 2007

Managing Director, Worldwide Financial Planning, Writes:

Some of you my well remember my column six months back regarding ‘mirror’ investment funds. Whilst it caused a massive stir at the time it is continuing to create further debate in the financial services industry as it would appear that many had not fully grasped its impact on the investor.

Tags: funds, investments, mirror funds

Posted in Investment, Weekly Articles | No Comments »

Read more