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...

Sometimes You Need To Keep It Simple!

The following article about the Association of British Insurers new code of conduct is an interesting read http://www.bbc.co.uk/news/business-21586086 . This think it would be more effective for each insurer to state on a single A4 page letter in large print that the...

Excellent News For The Consumer

I was pleased to read the following article http://www.moneymarketing.co.uk/regulation/fos-amends-decision-wording-after-high-court-ruling/1063897.article The High Court has made the correct decision to allow victims of FSA regulated entities to pursue higher claims...

The Autumn Statement & Income Drawdown

One of the few things which pleased me from the Chancellor’s Autumn Statement has been the return of the Government Actuarial Rate (GAD) returning to 120% for pensioners who wish to use income drawdown or are in a state of income drawdown. With gilt rates being kept...

Negative Rate of Interest & Income Drawdown

The following article should be chilling reading for anyone who wants to retire in the near future or has been financially prudent and hopes to supplement their retirement with disciplined savings which have accumulated over the years....