Wealth Building Articles
311: Inheritance Tax, A Concise Guide
With ever-increasing property prices, more and more people?s assets are now worth more than the inheritance tax threshold of £285,000, which has never been increased in proportion to the recent property boom. With a rate of 40% inheritance tax on any assets above the £285,000 threshold in the estate, this can really put a dent in what your heirs receive from your estate.
Inheritance tax is levied upon a person?s death. Once all of their assets have been totalled up, anythi...
312: Going Abroad: Travel Insurance Tips
If you are going abroad, then it is important to get travel insurance. If you have problems or become ill whilst abroad then that insurance could literally save your life. However, you shouldn?t get the first travel insurance policy that looks tempting. You need to make sure that you have the right level of cover and that you get a good price. Here are some tips on how to get the most out of travel insurance:
Don?t leave it until the last minute
When getting travel insu...
313: Keeping Your Car Insurance Low
If you are looking for car insurance or already have car insurance, then you might have found there is a vast difference in price quotes. Keeping your car insurance low can be tricky, but if you know where to look and what not to do then you can get a really good price.
Look around
The easiest way to keep your car insurance low is to look at as many different lenders as you can. There is a great variation in the quotes you can receive so shopping around can really pay o...
314: The Basic Principles Of Vat
VAT (Value Added Tax) is a sales tax, levied on the expenditure of consumer goods and services and business transactions, which is paid by the consumer at the point of purchase and collected by Her Majesty?s Revenue and Customs (HMRC). First introduced to the UK in 1973, it is now a major source of revenue for the government.
There are four different categories for VAT: standard rate (17.5%) for goods and services considered to be ?luxury? items, reduced rate (5%) for good...
315: How To Find The Right California Refinance Loan!
There had never been a better time than now to get a California mortgage refinance loan. With the soaring housing market and low interest rates, why wait? In this article, we will briefly discuss the options you have, with companies, when seeking a California refinance loan.
According to Inside Mortgage Finance Magazine, Countrywide Home Loans is the number one refinance and Mortgage Company in the US. The company also has an approval rate of four out of every five people ...
316: Loans - Why More Of Us Are Turning To Credit Unions
These days items of not just want, but need, tend to be becoming more and more expensive and with interest rates constantly rising at the banks, credit unions are becoming the more financially attractive alternative.
Credit unions are financial co-operatives owned and controlled by their members who combine savings to offer low-cost and flexible financial products to their members.
Each union has a 'common bond' which determines who can join. A ?common bond? is simply h...
317: Better Medical Reports For Life Insurance
In about every four in ten cases when someone applies for Life Insurance, the insurer has to obtain a medical report from a General Practitioner.
They need the reports when someone has declared that they have a medical condition on their life insurance application form. The applicant then has to give consent that the insurance company can gain a medical report from their GP. The GP gets called on to supply information about the specifics of that medical condition and any o...
318: The Financial Industry: Your Rights As A Consumer
The financial services industry is highly regulated and companies selling financial products or advice must adhere to a stringent set of guidelines set out by the industry?s independent regulatory body, the Financial Services Authority. The FSA has wide-ranging rule-making, enforcement and investigatory powers and your rights as a consumer are well protected.
The aim of the FSA is to ?promote efficient, orderly and fair markets and to help retail consumers achieve a fair d...
319: Car Insurance: Mini Bike Shocks Ahead
Car insurance takes a significant portion out of a lot of people?s incomes, but for younger drivers it can be beyond reach on a low income. Under normal circumstances a new driving licence is a clean one, with penalty points for motoring offences not making an appearance until after at least a little time on the road. These two facts make motorcycle ownership a much more attractive proposition for impecunious young people.
There is however a noteworthy exception to this. I...
320: Mortgages. The Costs Of Moving House
Based on an average priced property, it now costs an incredible £5,551 to move house in the UK and with mortgage lending hitting record highs it is now more important than ever that anyone moving or buying their first home is aware of any hidden costs.
Buyers tend to get caught up in the excitement of choosing a new home and run the risk of paying the price financially by not ensuring they get the best value from their mortgage.
If you?re willing to bargain over fixture...
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