Blog

  • Changes from January 1st 2017 in the Netherlands

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    Due to the Wet Beperking Ziekteverzuim (Law Limitation Absence Through Illness) and Arbeidsongeschiktheid Vangnetters (Disability Safety Nets), or BeZaVa. Employers pay annual premiums to the Tax Authorities for permanent and temporary employees for the cost of long term disabled employees. The differentiated Whk (employment continuation funds) pre...
  • Do you know your partner’s bank balance?

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    A recent study by Experian of over a thousand US couples has revealed that the majority of spouses had no real knowledge of their other half’s finances until after they were married. Almost a third admitted to being surprised by what they learned from their partner’s bank statements once they saw them. 36% of respondents said they knew nothing abou...
  • What is pension salary sacrifice and can you still do it?

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    A recent report in the Financial Times discussed the changes to pensions tax relief that could be on the horizon, one of which is the potential for pension salary sacrifice to be abolished by the government. But, unless you’re someone currently either offering or receiving salary sacrifice, it’s quite likely that you’re unaware of both what it is a...
  • The widening gap between the lifespans of rich and poor people

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    For the first time since the 1870s, the gap between the expected lifespan of the rich and the poor is getting wider in England and Wales. A study by City University London confirms that, whilst people are living longer overall, the lifespan of rich people is expanding faster. Using statistics from the Human Mortality Database, the researchers looke...
  • Financial face-off: men vs. women!

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    A study by the worldwide research, consulting and professional development organisation, LIMRA, that compared the financial approaches of men and women, has found that there are key differences between the two sexes in both their methods of financial planning and in their decision-making processes. When it comes to sharing financial decisions, over...
  • Three small lifestyle changes that can mean big savings

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    ‘The Little Guide To Financial Admin’, a new publication about managing your personal expenditure, was published in May this year. The guide offers a variety of little changes you can make to your day-to-day life in order to make small savings here and there, the idea being that these will accumulate to a considerable pot of money over time. Read o...
  • 5 tips for reducing debtors

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    Keeping your debtors to a minimum is important to ensuring your business is a continuing success. However, reducing your debtors can often be a task which seems much easier said than done. Have a look below to see our top 5 tips for keeping your debtors down as much as possible. Reduce your trading terms – if you haven’t revised your trading terms...
  • The ‘money-gap’ generation

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    A recent survey has revealed that employees from all across the age spectrum have considerable gaps in their financial knowledge. Out of over 500 respondents, more than seven in ten of people from the generation X and millennials age groups did not have an understanding of pension investments. Additionally, 49% of those surveyed said that their pre...
  • Which benefits do employees value the most?

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    We’re living in a world where employee benefits are perhaps more varied than ever before. Those who work at Google reportedly enjoy free childcare, massages and even napping areas at work, whilst employees at Dropbox are provided with a stir fry bar, yoga sessions and Razor scooters to allow them to move around the workplace more quickly. Netflix,...
  • Don’t worry: there will be no stamp duty rise on your ‘granny flat’ after all

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    November 2015 saw Chancellor George Osborne announce a significant rise in the amount of stamp duty for second home and buy-to-let properties. The new level, which came into effect in April this year, is higher than that on residential property by three percentage points. What this means is that buying a second home for £200,000, will now have £6,3...