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Money at the Speed of Life: May 2014

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Equity Release in the Mainstream. In 2013, £1.07 billion was raised through Equity Release plans. And with booming house prices (in the South East at least), I would expect that figure to continue growing. That's because an increasing proportion of someone's wealth will be tied up in bricks and mortar. And while it may be great for many people to be able to pass the value on to family in due course, there's also a case for taking advantage of some of that growth yourself! Posted by Peter Lawrence. Posted...

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Money at the Speed of Life: December 2014

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Pensioner Bonds available this month (Jan 2015). The last Budget promised the issue of some National Savings bonds which would be available to those over 65. They inevitably became called Pensioner Bonds. They will be available some time this month (exact date not published yet), but the government have announced the interest rates which will apply. It's not often that we can say the government is providing market-beating rates, but here they are, hence the expectation that they will be popular,. We're n...

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Money at the Speed of Life: Summer Budget 2015 - Dividend Taxation

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Summer Budget 2015 - Dividend Taxation. This was not a change we saw coming! Dividends received on shares that you own outside of a tax wrapper like an ISA. Are currently received with a "tax credit" of 10%. That means that for basic rate taxpayers there is no further tax to pay (higher / additional rate taxpayers have more to pay). Posted by Peter Lawrence. Subscribe to: Post Comments (Atom). Summer Budget 2015 - Pension Tax Relief. Summer Budget 2015 - Dividend Taxation. Fleet, Hampshire, United Kingdom.

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Money at the Speed of Life: April 2015

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Equity Release Rates Falling. Whether you are a saver or a borrower will decide whether falling rates is a good or bad thing. In this case Equity Release rates refers to the lending rate on a lifetime mortgage which older people might use to raise capital on their house. Equity Release is a big step to take, but for many people it will be the best way of ensuring financial security in retirement. Advice is definitely recommended, so let me know if we can help. Posted by Peter Lawrence. But if you do.

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Money at the Speed of Life: March 2015

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Investment Trust "dividend heroes". Investment Trusts are one of the types of investment fund which I recommend when appropriate for clients. (Other types include Unit Trusts, OEICs, and Exchange Traded Funds). They are the oldest type of fund investment, many having started in the 19th century. While taking dividends is only one way of taking an income from an investment it is certainly an impressive achievement. Posted by Peter Lawrence. Subscribe to: Posts (Atom). Investment Trust dividend heroes.

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Money at the Speed of Life: June 2014

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Rethinking Retirement Planning 1 - Using Pensions as Savings. The March 2014 Budget has shaken up retirement planning. By promising easy access to pension plans (defined contribution ones, anyway) new opportunities - and risks - are opened up. Here we look at your pension as savings. But there are dangers. Clearly a pension is there primarily to provide an income in retirement, and if you've spent it all, you are going to have hard times! Posted by Peter Lawrence. Who will do the best job with your Will?

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Money at the Speed of Life: April 2014

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Are your pension "Lifestyle" funds bad news? Many pension plans are in Lifestyle funds (and here we're mainly talking about personal pension plans including those arranged by your employer, but not defined benefit / final salary pensions). With the new-found freedom not. To buy an annuity expected from April 2015, why would you do that? I'm sure there will be many consequences (foreseen and un-foreseen) of the latest pension freedoms and this is one of many. Posted by Peter Lawrence. Independent Financia...

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Money at the Speed of Life: October 2014

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Even More Pension Flexibility. Death Benefits" doesn't sound like an interesting subject, but apparently the Chancellor disagrees and thinks it could be a vote winning one! He didn't call it that, of course, but in his conference speech this week focussed on the removal of the very high 55% pension tax charge. That is currently applied if you die with a sum still in your drawdown pension, for example, before your family gets the remainder. Posted by Peter Lawrence. Subscribe to: Posts (Atom). Independent...

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Money at the Speed of Life: Summer Budget 2015 - Inheritance Tax

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Summer Budget 2015 - Inheritance Tax. One tax change George Osborne had been unable to make in coalition was to Inheritance Tax (IHT). The Budget puts that right. There is now a "Main residence nil rate band" - otherwise known as the "family home allowance". Posted by Peter Lawrence. Subscribe to: Post Comments (Atom). Summer Budget 2015 - Pension Tax Relief. Summer Budget 2015 - Dividend Taxation. Summer Budget 2015 - Inheritance Tax. Fleet, Hampshire, United Kingdom. NOTE: Nothing written in this blog ...