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Taxation without legislation

Over the past ten years 31% of your savings have been stolen. Hopefully you’ve earned some kind of return on your money to soften that deduction and if you’ve taken some wise investment decisions you may have made it all back and even have made a profit. How has this...

But it has a 5 star review

“Mini-bond” provider London Capital & Finance (LC&F) has recently gone into administration with the 14,000 people who invested money in the company expected to lose 80% of their capital. At the time of writing the company still had a 4.8 star rating on review...

Should you trust internet forums

I was recently sent a link to a thread on a well-known Internet forum aimed at mums, where the poster was asking for advice on what to do with an unexpected £250,000 inheritance. The willingness of people to offer advice with so little information on the individual’s...

Spring clean your finances

Its spring cleaning time…With the smell of daffodils in the air you may be turning your thoughts to spring cleaning, which whilst not the most pleasant of tasks, sets up our household for the year. However, as a financial planner with a dislike of dusting, sweeping,...

Why have we fallen out of love with the ISA

The Individual Savings Account (ISA) has been the short and medium-term savings vehicle of choice since they replaced PEPs and TESSAs in 1999. However, last year had the lowest number of people paying into ISAs since the second year of their life – why?The easy and...

When is a gift not a gift?

Imagine if Santa gave you a toy but told you it was still his to play with. You probably would not consider that a gift. Neither would the taxman, he would say it is a “gift with reservation”. In the grown-up world this occurs when people attempt to avoid inheritance...