Really Useful Money Stuff

2012 Tax Allowances – Use Them or Lose Them!

Tuesday, February 21st, 2012

With Christmas now just a distant memory, what do we have to look forward to in the coming months until the Easter rabbit calls? But if you’ve already had too much of crème eggs and chocolate bunnies, how about looking forward to making use of your 2012 tax allowances. ‘Looking forward to’ and ‘tax’ are [...]

Tags: independent financial advice, ISAs, pensions, tax, tax relief

Posted in Capital Gains Tax, Get it right, Really Useful Money Stuff, Retirement, Weekly Articles | No Comments »

The Benefit of Employee Benefits

Monday, November 21st, 2011

Employee “Perks” – Who Really Benefits? If you’re a business owner, times might be feeling tough. In the current economic climate, it might seem as if every part of your business is under review – costs, processes, suppliers etc. Wherever costs can be cut, they are being cut. Because of that, employee benefits are increasingly [...]

Tags: group life insurance, life insurance, pensions

Posted in Employee Benefits, Really Useful Money Stuff, Weekly Articles | No Comments »

Best Currency Rates

Monday, July 11th, 2011

The staggering hidden cost of holiday money transfer With the holiday season upon us the thought of popping off to a temperature with double digits becomes more and more appealing. Taking money abroad has been outdated by travellers’ cheques and in turn by credit cards but how much are we really paying for the cost [...]

Tags: banks, currency, currency exchange, holiday money, holiday tips

Posted in Foreign Exchange, Really Useful Money Stuff, Weekly Articles | No Comments »

Worldwide Mortgage Offer To Help First-Time Buyers

Friday, July 1st, 2011

A firm of independent financial advisers is hoping that a new scheme to help first-time buyers will give the housing market a boost. Truro and Wadebridge based Worldwide Financial Planning is working with lenders to offer a ‘5 and 5’ product. The scheme allows vendors to match the first-time buyers five percent deposit giving the [...]

Tags: first time buyers, mortgages, Worldwide Financial Planning

Posted in Mortgage, Mortgage News, Really Useful Money Stuff | No Comments »

Standard Variable Rate Comparison

Thursday, June 30th, 2011

Updated monthly Customers ripped off by £9,450 a year Despite all of us needing to economise, the colossal loss on mortgages is bewildering. Yet more and more of us simply allow banks and building societies to blatantly rip us off, despite the relatively simple task of remortgaging away from our existing lender by using an [...]

Tags: interest rates, mortgages, standard variable rate

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

Gender Bias For Insurance

Friday, April 29th, 2011

Gender bias for insurance ban – Some of you win and some of you lose The European court of Justice has created a ruling which effectively bans the use of gender bias for insurance products from December 2012. Yes, it seems peculiar and another opportunity to have a swing at interference, but the reality is [...]

Tags: group life insurance, Guaranteed life insurance, life insurance

Posted in Critical Illness, Get it right, Life Insurance, Life Insurance, Really Useful Money Stuff, Weekly Articles | No Comments »

Equity Release – The Risks and Guarantees.

Thursday, April 21st, 2011

Releasing equity from your property has its risks: many homeowners are often marketed this option as an easy way to put cash in their bank account, yet for many, it is the most expensive way to do that. The Financial Services Authority (FSA) is also worried about products that are marketed as no cost or [...]

Tags: Equity release, FSA

Posted in Equity Release, Equity Release, Get it right, Really Useful Money Stuff, Weekly Articles | No Comments »

ISA Children

Thursday, April 21st, 2011

The Treasury have published draft regulations detailing the new Junior ISAs. These will be tax-free savings account for children and will replace Child Trust Funds (CTFs). Parents and family friends will be able to contribute to a Junior ISA. The proposals are as follows: Junior ISAs will be available from the 1 November 2011 Children [...]

Tags: child trust funds, children's savings, investment, ISAs

Posted in Financial News, Investment, News, Really Useful Money Stuff | No Comments »

Equity Release News

Thursday, April 14th, 2011

When ‘no cost’ equity release could cost you your home. The Financial Services Authority (FSA) has advised consumers to be cautious about equity release products that claim to offer a ‘no cost’ way of using property to generate an income. They warn that they could be risking their homes. The regulator specifically mentioned a plan [...]

Tags: Equity release, FSA

Posted in Equity Release, Equity Release, Get it right, News, Really Useful Money Stuff | No Comments »

ISA Sales Increase

Tuesday, April 12th, 2011

After a slow start, sales of ISAs are on the increase. Despite concerns that events in the Middle East and the Japanese earthquake and tsunami might have discouraged some investors, equity income funds have remained popular. If you’re considering your ISA investment, take ISA advice from an independent financial adviser who can guide you to [...]

Tags: investment, ISAs, tax

Posted in Financial News, Investment, Really Useful Money Stuff | No Comments »

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