Blog

  • Quarterly Newsletter - July 2018 - Paul Beard Introduction

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    Hello! It’s been a beautiful summer here in the UK, the World Cup is over and our colleagues in the Lyon office had plenty to celebrate, Allez les Bleus!! Politics both home and abroad continues to dominate the news agenda what with the continuing dogfight that is Brexit and President Trump’s recent ‘long weekend’ in the UK. Brexit negotiations are...
  • Germany: Old-Age & Disability Provision

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    Germanys‘ population in age groups 2016: i.e. 15.65 % of currently 81.58 million people are aged between 25 and 39 years; Roughly a quarter is aged 40 to 59…. Since 1972 more people die compared to new born. Germany’s population is shrinking, from currently 81.58 million down to 76.12 million in 2050 or even 73.08 million in 2060! So 2 facts are im...
  • Childcare Vouchers closed to new entrants from 4th October 2018

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    The government have confirmed the closure of Childcare Vouchers to new entrants from 4th October 2018 in The Income Tax (Limited Exemptions for Qualifying Childcare Vouchers and other Childcare) (Relevant Day) Regulations 2018 and is being replaced with a new ‘Tax-free Childcare’ scheme. Existing scheme members To be recognised as an existing schem...
  • Should I be paying National Insurance as a UK Expat?

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    Q. Do I have to make NI contributions if I am working outside the UK? A. No . It is not mandatory but worth serious consideration if your retirement planning includes State Pension provision. Q. How many qualifying years do I need for the full State Pension? A. You need 35 qualifying years. Q. Is there a minimum number of years I need? A. Yes, 10 y...
  • Brexit: Deal or No Deal?

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    Two years after the Referendum, the direction that Brexit will eventually take is still not clear. With the Prime Minister demanding that her party back her latest proposals ‘or Brexit won’t happen’, we have tried to take a step back and present a clear, simple and – most importantly – unbiased guide. The background It seems like an eternity ago bu...
  • Small change to small fortune – how car boot sales can prove lucrative

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    When it comes to a robust investment plan, rooting around for hidden treasure at car boot sales can’t really be held up as particularly reliable. However, there are plenty of examples of people picking up bargains from a car boot which have gone on to make them a considerable profit once their true value has been realised. One case highlighted a di...
  • Is the bank of Mum and Dad ‘feeling the pinch’?

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    L&G are still expecting more than a quarter of home buyers to be getting financial assistance from relatives, with the amount actually seeing a small increase from 25% to 27%. So with close to 317,000 housing transactions expected to take place with parental help this year, how do we account for the £800m drop in lending? The short answer is th...
  • 5 top travel tips to make your holiday easier

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    Holidays can be expensive, that’s for sure. Getting everything organised for your trip can be quite a challenge, too. So we’ve compiled these simple tips to save you money and allow you to enjoy your time away to the full. Scanning travel docs It’s a good idea to scan your travel details, passports and insurance information then email them to yours...
  • Are mini-bonds a good alternative to savings?

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    You may have seen mini-bonds advertised, offering as much as 10% returns over reasonably short timeframes. Companies such as John Lewis, Hotel Chocolat and Naked Wines have famously employed them as a way of accruing debt-based funding. If you’re an individual with some capital available for investment, these numbers can be very enticing, but it’s...
  • Can I use equity release to pay for care?

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    It’s one of the scary things about growing old, isn’t it? We’re all living longer, thanks to medical science but does that mean more of us are going to end up in a care home, struggling to find the means to pay for it? A year in a care home can cost more than £50,000. This means some families are accumulating huge bills. If you have assets of more...