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Mabels Features - Finance & top tips Capital Gains Tax - The New Rules Last October Alistair Darling came out with new and radical proposals for the taxing of capital gains ('CGT'). Before 5 April 2008, higher rate taxpayers paid 40% CGT (the first 9,200 pounds of gains being exempt), but the Chancellor planned to introduce an 18% flat rate from 6 April 2008. more >>> Markets take a panning while investors look for glitter in gold Bold investors choosing a UK fund for their Mini Equity ISA (maximum £4,000), or a Maxi (£7,000) can expect rough weather for months. But this is an investment for five years, or at least three, and shares, long term, usually outperform cash in the bank or building society. more >>> There's an old saying "Ignorance is bliss." Where money is concerned ignorance is a disaster. If you saw a £10 note lying in the gutter, you'd almost certainly pick it up. However, when it comes to investing, most people don't realise just how much money they're potentially losing by not keeping a close eye on their fund's performance. You can lose literally thousands of pounds a year by keeping your money in poorly performing ISAs, PEPs and Unit Trusts. more >>> THE ISA IS HERE TO STAY - SO MAKE THE MOST OF YOUR TAX SAVING OPPORTUNITIES The announcement by the Government last year that ISAs will be 'a permanent feature of the savings landscape' will, with luck, be the last time the government tinkers with the ISA rules. Personal Equity Plans will very sensibly be brought within the ISA wrapper. more >>> Better performing investment funds GREY POWER is a force to be reckoned with, with techno-savvy silver surfers sort out their money matters online more >>> Take advantage of tax efficient savings with your annual ISA allowance Individual Savings Accounts (ISAs) were introduced in 1999 to replace Personal Equity Plans (PEPs). When you invest through an ISA, the income and growth are free of income and capital gains tax and you do not have to declare an ISA on your tax return. more >>> 4 Keys To Freeing Yourself From Debt in retirement No-one wants to enter retirement in debt. Here's some advice on how to become debt-free.. more >>> Retirement Calculator: How Much Will It Cost You to Retire? How do you calculate how much you need to invest to get the retirement fund you want? This article explains retirement calculators. more >>> Critical Information You Need to Protect Your Retirement Many people won't have enough money in retirement. Here's an article with some ideas on how to make the best of it. more >>> LAND INVESTMENT FOR RETIREMENT More are more people are looking for alternatives to traditional investment, as pension funds face shortfalls and interest rates remain low. more >>> Are You Covered And Don't Realise It? Insurance is important - especially when you need it and your over 50! But are you covered more than once? The following article explains some of the possibilities. more >>> Pensions - Getting Better Performance For A Comfortable Retirement More money for retirement means keeping a check on how your pension is growing. This article has some ideas to make your money grow faster and better.. more >>> 10 Deadly Money Sins Do you have any financial problems…well, this article has some sensible tips to help you along the way. more >>> Comparing Savings Accounts for retirement A savings account can be quite useful, especially for individuals who are attempting to build a good savings either for retirement. more >>> Cash release plan Economic Lifestyle is challenging other equity release providers to improve the terms and conditions of their products as it launches its Cash Release Plan, a fully portable and flexible reversion scheme available for customers aged 60 and over. more 15 Common Investing Pitfalls Here is a comprehensive list. Some of it may happen to the more experienced investors as well. This serves as a guide for Novice Investors more   Home equity loans: abusive lending and how to avoid it Home Equity loans were initially designed to allow individuals who had not yet paid off the full amount of their home, the ability to borrow against what portion of the home they had paid for. more Things you should know about Long-Term Care Insurance If you are thinking about buying long-term care insurance, there are a number of things you need to understand. more Sometimes the best deal isn't the right deal when it's time to refinance your home Many people are looking to refinance their home as a means of pulling money from their rapidly rising real estate. The intent may be to reduce other debts, finance a vacation or maybe you're just looking at refinancing your home as a means of getting a better deal. more   Equity release mortgage plan Prudential UK today launched its new industry-defining lifetime mortgage into a market in desperate need of true innovation. The new product is called the Prudential Property Value Release Plan and it’s different to competitors’ products. more   Top post office retirement savings offer for the over 50s Over 50’s across the UK are losing out on millions of pounds of interest each year by hoarding their savings in their current accounts, according to new research by Post Office® Savings. more   Mabels - Tips and things ….ISAs & security Yes, A FINAL REMINDER that there are only few days left of this financial year, which ends on 5 April, to invest up to £3000 in a tax-free cash mini Isa. The best offer at the moment appears to be from Bristol & West. more FINANCES ….WOULD YOU LIKE SOMETHING FOR NOTHING? Do you still go shopping with cash in your bag and at the same time worry about whether you are going to be mugged, have your purse stolen, etc? more... Worried about debts Having trouble paying your bills? Getting dunning notices from creditors? Are your accounts being turned over to debt collectors? Are you worried about losing your home or your car? more...         Latest top news for seniors... Retirement news   Pension & finance news Health & nutrition news Over 50s General interest   Additional top advice for the over 50s- Retirement planning, Elderly benefits   Choose one of the following categories, then click on it to browse further: Healthcare & wellbeing Ageing     Advice & top tips Education & work       Finance   Retiring         Hobbies,Interests,pastimes Security           Jo's Jottings - Latest features & tips               Suggest an Article to the over 50's site If you have something interesting to say that may suit our over 50's readers, we encourage you to email us. Your suggestion, if accepted, will be published as soon as our staff reviews it. We especially encourage submissions related to the following topics that can also be related to the over 50's: Health, Nutrition, Mobility, over 50's general , Finance, Legal, Hobbies, Home & garden, cooking, safety & nostalgic stories aimed at the over 50's. If you have a website & wish to publish any of our articles, please feel free. All we insist is the resource box below is included at the foot of the chosen article on your web page & you email us to advise. Visit Mabels…Maintaining Bygone Times, containing numerous articles thoughtfully researched mainly for the older person. You may access these articles by visiting http://www.mabels.org.uk/ - You will learn about the best tips to improve your health, fitness, finances, safety as well as information on nostalgic topics, places to visit, leisure & lifestyle, mobility & helpful organisations to make the most out of life.     " I find all your articles very helpful , interesting and very easy to find and read...Keep it up !" Margaret Pitmore   Don't lose out, watch this space for regular updates! Top of Page / Home   Please visit us again shortly Thank you