04th September 2008
Life assurance, also known as life insurance, is a financial contract agreed between a person(s) and an insurance policy provider. The contract stipulates that money will be paid out in the event of death or terminal illness concerning the person(s) for w...
04th September 2008
The term ISA stands for Individual Savings Account. They should be a necessary addition to the financial portfolio of anyone has savings or capital. To qualify for an ISA you must be a UK resident and aged eighteen or above (sixteen for cash ISAs).
ISA...
04th September 2008
You will have heard of the pensions crisis that is looming in the UK and you probably want to ensure yourself that you’ll be secure come retirement time. Reasons to Transfer Your Pension Fund There are many reasons that people choose to decid...
16th August 2008
Your IFA or Independent Financial Advisor should be a qualified expert in all areas, competent to offer professional advice on mortgages, savings and investments, pension annuities, commercial finance, equity release and life assurance. But why should yo...
16th August 2008
Many people are turning to Equity Release to unlock the real value in their homes. Through equity release, people are able to more fully enjoy their retirement. These are ten points that you should consider about Equity Release and Lifetime Mortgages.
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16th August 2008
What is a Pension Annuity?
An Annuity is a product that you buy for a lump sum that guarantees an income for the rest of your life. At present, Pension Annuities are only available through insurance companies. When you buy an annuity, you sell your save...
09th June 2008
View Chapter One Here
View Chapter Two Here
Why is it that different companies charge different life cover premiums for what is essentially the same product? With life assurance, the ‘product’ is an assurance that an agreed sum of money will be pa...
28th April 2008
From the end of the Second World War, the vast majority of life assurance policies were purchased from the ‘Insurance Man’, on his annual visit to the family home. As the children grew up and moved to their own homes, the insurance man, or woman, (...
01st April 2008
The Chancellor has confirmed that there will be an 18% flat rate of CGT applying to amounts over the annual exempt amount (£9,600 for 2008/09) on disposals after 6 April 2008. The annual exempt amount for trustees will be £4,800 in 2008/09. In addi...
01st April 2008
Estate planning is to preserve, protect and pass down family wealth. At its simplest, it consists of making a will. But there are plenty of other ways of passing on benefits to your dependants, your chosen charities or other beneficiaries.
Who’s it...
19th January 2008
Today’s mortgage market is more competitive than it has ever been. Never before have you had so many options; fixed rates, discount rates, cash back options, variable rates, capped rates, tracker mortgages - the list goes on! And then you need to choose...
06th November 2007
Stamp Duty is the tax you pay when you buy property or shares. You pay Stamp Duty Land Tax when purchasing property like houses, flats, other buildings and land. If the purchase price is £125,000 or less you don't pay any Stamp Duty Land Tax at all. If i...
12th April 2007
Types of Mortgages Repayment mortgages Every month, your payments to the lender go towards reducing the amount you owe as well as paying the interest they charge. So each month you're paying off a small part of your mortgage. The pros It'...
13th December 2006
Why you should be thinking about Equity Release
Your home can be your most valuable possession and investment, but many people are 'asset rich and cash poor'- living in a valuable property, with little or no mortgage, but getting by on a relatively low...
