Tax Allowances, Rates and Thresholds for 2012/13 Following the Chancellor of the Exchequer’s Autumn Statement, the Government has published next year’s tax allowances, rates and thresholds for income Tax and National Insurance Contributions and subscription limits for Individual Savings Accounts. … Continue reading →

We have written a number of times about the wealth eroding effect of inflation, particularly against a background of low bank base rates. The only way, at present, to avoid the certainty of real-terms capital loss is to expose your … Continue reading →

A thread that has run through our newsletters has been the threat that inflation poses to whatever capital we may have been able to accrue over our lifetime. The latest inflation figures from the Office for National Statistics have re-emphasised … Continue reading →

A report published this week from the Prudential has warned that UK retirees could lose up to 60% of their spending power over the course of a 20 year retirement. It is estimated that the average UK retiree enjoys an … Continue reading →

The bank base rate has been 0.5% for nearly 2 years now, yet banks are still charging high interest rates on loans and overdrafts and many are applying pressure to repay existing borrowing and applying stricter lending terms. A Director’s … Continue reading →