Growing
older these days seems to bring more problems than ever before.
An elderly person may well have savings rather than a mortgage,
shares and investments, pension funds and equity in their home.
All this needs to be looked after in the most tax efficient way
possible. Impartial advice is even more important for example if
a loan is needed for such items as home improvements or a new car.
Latest
articles:
The Home Improvement
Trust
A not for profit organisation working throughout
England, Scotland and Wales which helps the older homeowner repair,
improve or adapt their homes so that they can continue to live safely and
independently.
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
>>>
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Click
on the link |
Description
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Saga
Finance
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Saga
Group Ltd is a privately owned company based in Folkestone,
Kent. It offers a wide range of holidays and financial, insurance
and home services tailored to meet the needs of people aged
50 and over.
The
company also publishes Saga Magazine, the UK’s largest
subscription based magazine in the UK, with around 1.5 million
readers.
Saga
is the UK’s leading specialist insurance provider for the
over 50’s, offering high levels of cover often at low prices.
Over one million people now insure their property and possessions
with Saga Home Insurance. Saga Motor Insurance remains the choice
of over a million drivers across the country. more
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A&L's
Premier 50 Account
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A&L's
Premier 50 Account Designed Specifically For Those Aged 50 -
79. Apply
Online Today! more
Including
worldwide travel insurance up to the age of 79 and exclusive
health benefits for just £10 per month.
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Breakthrough
breast cancer card
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The
Breakthrough Breast Cancer Credit Card gives you 0% on balance
transfers for 12 months (2% handling fee applies), 0% on card
purchases for 3 months and 15.9% APR typical (variable) and
is your opportunity to help us find a cure for breast cancer.
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Equity
Release Solutions
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Equity
Release Solutions is an independent financial adviser (IFA)
specialising in the equity release market for the over 50's.
We have 13 advisers nationally and we offer face to face advice.
As an IFA we are also able to advise on all retirement solutions
for the over 50's such as IHT, Annuities and Long Term Care.
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MoneyWeek
Magazine
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MoneyWeek is the
must-read magazine for every time-pressed person who wants to
keep up with, and make money from, the world of finance and
investing. They aim to spare you the tedium of wading through
the financial pages of newspapers and business magazines. They
have strong and intelligent opinions, state them clearly, and
provide practical advice. They want to help you make, and save
money. They are offering their customers a generous and tempting
3 issues free subscription deal.
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Banks
& Buiding Societies |
All
the main Banks & Building Societies in one place
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Expert
advice
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Which?
Online offers its subscribers access to 100’s of reports
from finance to cars…from food issues to legal advice. New
subscribers are offered a 30-day free-trial as an introduction.
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Saveonyourbills.com |
Provides
a FREE and impartial service to help Uk households save money
on their bills.
Powergen
one of the biggest energy suppliers in the UK said its Gas prices
for consumers are to rise by 9.6% - the third rise this year
- while electricity prices will be increased by 8.9%.
The
higher prices will mean an average rise of £55 per year
for duel-fuel customers, £23 for electricity and £34
for gas. The new charges come into force on 29 November.
You
can save up to £150 a year or even more for larger house
holds.Visit Saveonyourbills.com
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Refunds
Direct
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Refunds
Direct secures tax rebates for UK taxpayers. We estimate that
1 in 3 of the UK's 30 million tax payers may be due a refund
because they have overpaid tax or failed to recognise that they
can make legitimate claims for tax relief.
Through
Refunds Direct anyone can discover whether they are due a tax
rebate without financial risk.
Refunds
Direct
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www.unbiased.co.uk/
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The site unbiased.co.uk
is run by IFA Promotion Ltd, the industry body responsible for
promoting independent financial advice in the UK.
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Moneywise |
Britain's
best selling personal finance magazine.
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Best
invest
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Impartial
advice investment advisers.
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The
share Centre
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Allows
customers to view their portfolio valuations online
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FT
your money
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All
the latest financial information from the financial times
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Premium
Bonds
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Have
you won a Premium Bond prize..Check online |
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Boiler
room scams -
The typical victim of an investment scam is a middle-aged
professional male with
considerable investment experience
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Latest
top news for seniors...
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Additional
articles & top advice - Mabels
features
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site is always being updated