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How Much Life Insurance Do You Need?
It's a question I often hear asked. Most people recognise that they need some form of protection for their loved ones should they die but very few people know how much cover they need.
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Are UK interest rates set to rise? PDF Print E-mail
Written by John Bloomfield   
Monday, 09 August 2010 11:01

It's a question I get asked on almost a daily basis and one that I wish I could give a definite answer to. But unfortunately I am not a psychic.

However, I do take careful note of economic data and market indications.

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ISA Guide 2010/11 PDF Print E-mail
Written by John Bloomfield   
Tuesday, 04 May 2010 15:08

This is our guide to Individual Savings Accounts and how to make the most of the annual tax year allowance. If you would like to discuss any of the information provided in more detail, call on 0191 4066453 or click here to email me.

ISA Guide 2010/11

This is our guide to Individual Savings Accounts,  for 2010/2011, and how to make the most of the annual tax year allowance. If you would like to discuss any of the information provided in more detail, please contact me on 0191 4066453.

“An ISA sits over your choice of investments to shelter them from further tax.”

What is an ISA?

ISA stands for Individual Savings Account, a tax-efficient wrapper offered under Government legislation as a way of encouraging you to save. An ISA sits over your choice of a number of different investments to shelter them from further tax on any income or gains earned.

There are just two types of ISA - the Cash ISA and the Stocks and Shares ISA – and the combined allowance for both in 2010/11 is £10,200.

Within this, the limit for Cash ISAs - or for the cash element within a Stocks and Shares ISA - is £5,100. However, there is flexibility over how these limits can be used - you can, for example, put the maximum £5,100 in a cash account and £5,100 in a stocks and shares account. Alternatively, though, if you place just £2,000 in cash, you can use the entire remaining balance – £8,200 in this case - to invest in stocks and shares. If you don’t need cash at all, you can put the full £10,200 into stocks and shares.

In addition, you can transfer existing Cash ISA holdings to a Stocks and Shares ISA without impacting on your current tax year allowance. So, if you have £10,000 already sitting in existing cash ISA plans then this amount can be moved to a Stocks and Shares ISA, yet leave your entire current tax year allowance still available for new investment.

Last Updated on Tuesday, 04 May 2010 15:11
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GUIDE TO INVESTMENT DIVERSIFICATION PDF Print E-mail
Written by John Bloomfield   
Wednesday, 17 March 2010 14:26

This guide is designed to help start you on the road to building an investment portfolio. With a little consideration, a balanced, well-diversified portfolio should weather the short-term storms of stock market and property market fluctuations. It will smooth out the many peaks and troughs and help you meet your financial objectives over the longer term without causing too many shocks along the way.

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ISA Guide 2009/10 PDF Print E-mail
Written by John Bloomfield   
Wednesday, 27 January 2010 12:31
This is our guide to Individual Savings Accounts and how to make the most of the annual tax year allowance. If you would like to discuss any of the information provided in more detail, call on 0191 4066453 or click here to email me.

What is an ISA?

ISA stands for Individual Savings Account, a tax-efficient wrapper offered under Government legislation as a way of encouraging you to save. An ISA sits over your choice of a number of different investments to shelter them from further tax on any income or gains earned.

Last Updated on Wednesday, 10 March 2010 11:01
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Guide To Annuities PDF Print E-mail
Written by John Bloomfield   
Wednesday, 27 January 2010 12:26

It takes many years of planning, saving and sacrifice to build up a significant pension – and after all those years you want to be sure you are making the most of it. Your pension plan provider will be keen to give you a quote for the income that your pension will provide but it would be sensible to take at least a little time considering what to do. Taking the first offer you get could mean giving up additional income.

Last Updated on Tuesday, 11 May 2010 06:21
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