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Tax issues for Scottish residents

15th December 2017

In the latest UK budget, Philip Hammond announced a rise in the higher rate income tax threshold, but the change will only benefit those who are resident in England.

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Four steps to keeping track of your pension

11th December 2017

Many people with multiple pensions lose track of at least one of them and in our experience some admit to have forgotten the details of all of them. With around two thirds of UK residents having more than one pension, this amounts to approximately 6.6 million people with no idea how much they’ve

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Is a failure to plan planning to fail?

5th December 2017

If you don’t have a plan how will you know when you have reached your goal? Life is busy. If you’re running a business it could become your life too, but even if you don’t, it’s necessary to identify your goals and understand what it is you need to do to achieve them.

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Helping the next generation develop an understanding of financial matters

27th November 2017

As we approach the festive season, planning and shopping for gifts to give to our loved ones takes much of our time. It’s common that these gifts are in the more physical form, but do we give enough thought towards teaching responsible saving and spending habits to the young?

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A quiet Budget this autumn

22nd November 2017

From a financial planning perspective, it was a relatively quiet Budget announcement by the Chancellor on 22 November. That said, there was still plenty to report. You can view the summary from Armstrong Watson here: http://www

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Autumn Budget 2017 - Further support pledged for first time buyers

22nd November 2017

Philip Hammond spent some time during his announcement on UK housing issues to provide a firm commitment to assist ownership for the next generation and to ensure that more homes are built in the right places.

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Autumn Budget 2017 - Pensions

22nd November 2017

It was all rather quiet in relation to pensions in the Budget, which will be a relief to many given the significant changes made over recent years.

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Autumn Budget 2017 - Savings

22nd November 2017

The annual ISA allowance will remain at the current limit of £20,000 but the Junior ISA limit is rising in line with CPI to £4,260 from 6 April 2018. Annual ISA allowances are use-it or lose-it, so there is no ability to carry forward unused allowances between the tax years.

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The Child Benefit trap and how to avoid it

17th November 2017

Four years ago the rules associated with Child Benefit payments changed. Those deemed to be a higher-income family must pay additional tax, which in some cases could override the amount of Child Benefit received.

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What to expect after an interest rate rise

13th November 2017

After months of speculation over interest rate rises, the Bank of England (BoE) announced on 2 November that Base Rate would double, from 0.25% to 0.5%, representing the first rate rise in 10 years.

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