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So far btneville has created 55 blog entries.

Happy 20th Birthday

6 April marks the 20th birthday of the Individual Savings Account (ISA). When the ISA was introduced in 1999, many thought it to be little more than a rebranding of the two schemes it replaced: the Personal Equity Plan (PEP) and Tax Exempt Savings Account (TESSA). The following 20 years have proved ISAs to be [...]

By | 2019-04-12T14:28:02+00:00 April 12th, 2019|Uncategorised|0 Comments

Living longer, but….

A recent report shows that life expectancy is still improving, but not as quickly as was once expected. “British life expectancy falls by SIX MONTHS for men and women” That was one recent headline in response to the latest report of the Continuous Mortality Investigation (CMI) of the Institute and Faculty of Actuaries. While it [...]

By | 2019-04-12T14:27:23+00:00 April 12th, 2019|Uncategorised|0 Comments

The lesson from the loan tax charge

The controversy surrounding the loan charge deadline is a reminder of the dangers of aggressive tax planning. If you were offered a way of being paid a ‘salary’ that involved no income tax and no national insurance contributions (NICs), what would you think? In the late 1990s and early 2000s, many contractors and consultants were [...]

By | 2019-04-12T14:26:31+00:00 April 12th, 2019|Uncategorised|0 Comments

An overshadowed Spring Statement

The Chancellor’s Spring Statement was almost obscured by other events in mid-March. Ever since he announced a move to an Autumn Budget in 2016, Mr Hammond has made it clear that he wanted to avoid the Spring Statement counterpart becoming a mini-Budget. His vision was that in March he would be presenting a brief response [...]

By | 2019-04-12T14:25:47+00:00 April 12th, 2019|Uncategorised|0 Comments

China emerges on to the investment stage

The importance of China’s stock market is set to quadruple in 2019.   China has been at the forefront of the headlines recently, whether about the protracted trade dispute with the US, the alleged dangers of using Huawei’s 5G equipment or the first landing of a spacecraft on the far side of the moon. The [...]

By | 2019-04-12T14:24:58+00:00 April 12th, 2019|Uncategorised|0 Comments

One more twist on buy to let

Buy-to-let investors will be hit by another notch up of the tax ratchet. When George Osborne announced in his summer 2015 Budget a variety of tax changes aimed at discouraging buy-to-let (BTL) investment, they came as a surprise. To ease their impact, the then Chancellor phased in the most significant reform, a revised treatment of [...]

By | 2019-03-06T12:55:33+00:00 March 6th, 2019|Uncategorised|0 Comments

Old case throws up pension protection risk

A European Court decision from 1990 is suddenly raising questions about a key element of pension taxation. On 17 May 1990, the European Court of Justice decided that gender equality should be applied to non-state pensions. The case, Barber v GRE, prompted a major overhaul in UK pension provisions. At the time most pension schemes [...]

By | 2019-03-06T12:53:07+00:00 March 6th, 2019|Uncategorised|0 Comments

Check your April pay slip

Your April pay may look much the same as March’s, but it is worth giving your pay slip a close look. If you are an employee, your April pay slip is always worth checking, even if you pay little attention to the other eleven you receive over a year. The items to check include: Salary [...]

By | 2019-03-06T12:52:00+00:00 March 6th, 2019|Uncategorised|0 Comments

Inflation dips below The Bank of England’s Target

UK inflation fell below 2% for the first time in two years. January 2019 saw the lowest level of inflation since January 2017, with the rate recorded at 1.8%. The data was slightly better than had been expected, with the CPI rate falling to below the Bank of England’s 2% target for the first time [...]

By | 2019-03-06T12:50:56+00:00 March 6th, 2019|Uncategorised|0 Comments

The rise & rise of UK dividends

Dividend payments from UK companies in 2018 once again outpaced annual inflation.   Your income could have increased by more than double the rate of CPI inflation in 2018. Link Asset Services, a leading share registrar, reported a 5.1% growth in total dividend payments of UK companies last year. Their January dividend monitor showed that [...]

By | 2019-03-06T12:48:02+00:00 March 6th, 2019|Uncategorised|0 Comments