Introduction A quiet wind down to Christmas? Everyone leaving their offices early and not much happening in the second half of the month? Nothing could be further from the truth: December was one of the most eventful months of the year and while there was some good news, it was eclipsed by falling stock markets as global markets had their worst year since 2008. As we have said many times, saving and investing is for the long term: years like this one will inevitably occur from time to time. The month started with the leaders of the G20 nations meeting Read More

{ 0 comments }

The choice of whether or not to release equity from your home ultimately rests with you. However, the decision will have wide reaching consequences for your family. It’s sensible, before releasing equity, to see a financial adviser who will explain the ramifications. There are two main forms of equity release – lifetime mortgages and home reversion plans. Most commonly, people choose lifetime mortgage schemes. These mean that you take out a mortgage secured against your house which lets you release some of the wealth tied up in it. Home reversion plans mean you sell a portion or all of your Read More

{ 0 comments }

While there has been much speculation in the media about the consequences of Brexit, most of this has been from a British perspective. This is to say it has mostly centered around how British legislation will change after Brexit. Frustratingly, the majority of this speculation has been followed by the conclusion: “no one really knows!” People interested in buying property in Spain or already doing so have a lot more certainty about their treatment in the country after we leave the EU at the end of March (if indeed that date is not pushed back). In Spanish law, there’s a Read More

{ 0 comments }

  Corporation tax isn’t just the premise of large companies. All UK companies face a 19% tax on profits for the year 2018, including ‘small profit’ companies which make £300,000 or less in annual profits. However, there are a few things that you can do to reduce your taxable profits if you’re a small business owner: Keep a clear record of your operating expenditure The general rule is that anything that counts as operating expenditure – like investing in company equipment – can be deducted from profits before they are taxable. Depreciation charges, however, are not tax deductible. A clear Read More

{ 0 comments }

Warren Buffett, the famous American investor, speaker and philanthropist attributes his success to reading. An Investing student once asked him what the key was and he pointed to a pile of books and said, ‘Read 500 pages every day – that’s how knowledge works, it builds up like compound interest.’ His favourite books range from economist John Maynard Keynes’ classic Essays in Persuasion to former U.S. Treasury Secretary Timothy Geithner’s Stress Test, which offers some fascinating reflections on some of the financial crises over the last ten years. Following Buffett’s example, a book always makes a great present. It shows Read More

{ 0 comments }