Should Have Done More To Promote Group Personal Pensions

The following article is a rather depressing read http://www.bbc.co.uk/news/business-21546542 . The number of people saving for their retirement in a pension scheme is at a recent low. The last Government was correct to bring in auto-enrolment. When private sector...

Positive Signs For the Buy-to-Let Mortgage Market

The following article is very positive about the mortgage market and the buy-to-let mortgage market in particular http://www.bbc.co.uk/news/business-20901112 All the new regulations from Europe and the fact that lending institutions are risk adverse after the banking...

The Risk of The UK Losing Its Triple A Rating

I was disappointed but not surprised to read the following article http://www.bbc.co.uk/news/business-20720383 I think there is a real risk of the UK losing its triple A rating from the credit reference agencies. Our high Government Budget deficits are simply too big...

Demand For Mortgages Declined In January

I was disappointed to read that demand for mortgages declined in January compared with January 2012 http://www.bbc.co.uk/news/business-21572869 As an IFA who is also a qualified mortgage advisor in London I hoped the recent pick up would continue. I hope this means...

Self Assessment Tax Returns For The 2011-12 Tax Year

The deadline for Self Assessment Tax Returns for the 2011-12 tax year is midnight on 31 January 2013, AND YOU HAVE TO DO IT ONLINE, unless you qualify for an exception. (The sole exception that HMRC highlights on its website is if HMRC sent you the letter, telling you...

Energy Costs & The US Economy

I was very pleased to read the following article http://www.bbc.co.uk/news/business-20731417 I hope the US economy will power ahead with cheaper petrol costs and very cheap gas costs owing to the fracking projects in America. I have seen petrol costs in the UK come...