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So far btneville has created 35 blog entries.

Index-linked savings certificates

The popular National Savings & Investments (NS&I) savings certificates will be indexed to CPI instead of RPI from next year. The certificates have not been on sale since 2011, but NS&I allow existing certificate holders to reinvest in new series of certificates when their old ones mature. The terms have gradually worsened over the years [...]

By | 2018-12-07T12:12:48+00:00 December 7th, 2018|Uncategorised|0 Comments

UK dividends remain strong despite volatile markets

UK dividends are continuing to grow faster than inflation, according to the latest quarterly data from Link Asset Service. The latest UK Dividend Monitor (UKDM) shows that in the third quarter of 2018 dividend payments were 4.1% up on the previous year, comfortably above the current rate of inflation. Looking over the 10-year period from [...]

By | 2018-12-07T12:10:48+00:00 December 7th, 2018|Uncategorised|0 Comments

New probate fees to affect many estates

The government has revived plans to raise probate fees in England and Wales. A new, banded structure for probate fees in England and Wales is to be introduced, according to a written statement issued a week after the 2018 Budget by the Parliamentary Under Secretary of State for Justice. The announcement comes after the absence [...]

By | 2018-12-07T12:06:22+00:00 December 7th, 2018|Uncategorised|0 Comments

State pension equality means increases for all

The State Pension Age (SPA) became equal for men and women for the first time, at age 65, on 6 November 2018. Having reached this landmark, the next stage of SPA increases has already started. For both men and women, the state pension will become payable for anyone born between 6 December 1953 and 5 [...]

By | 2018-12-07T12:04:20+00:00 December 7th, 2018|Uncategorised|0 Comments

State pension sees rise thanks to the triple lock

A 2.6% rise in the single tier state pension was announced in the 2018 Budget. The increase to the single tier state pension, and its predecessor the basic state pension, will apply from next April. Other state pensions, such as the State Earnings Related Pensions Scheme (SERPS), will rise by 2.4%. The higher increases for [...]

By | 2018-11-12T15:01:03+00:00 November 12th, 2018|Uncategorised|0 Comments

Inflation eating into the value of savings

Inflation still outpaces nearly all available deposit rates. At the end of September, the US bank, Goldman Sachs, launched a new online easy-access savings account in the UK under the name of Marcus. It has offered a similar account in its home territory since 2016, gaining over 1.5 million customers according to the bank’s second [...]

By | 2018-11-12T15:00:21+00:00 November 12th, 2018|Uncategorised|0 Comments

The risks of late estate planning

Imagine you are named as the executor and a beneficiary of your wife’s wealthy aunt. You learn that she is suffering from terminal cancer and has ‘a very impaired lifespan’. What do you do? This is what happened in the case of Nader and others v Revenue & Customs. The executor/beneficiary, a Dr Nader, decided [...]

By | 2018-11-12T14:57:30+00:00 November 12th, 2018|Uncategorised|0 Comments

Unmarried couples lack the rights of married couples

Two recent events have shone different lights on the government’s view of unmarried couples.  As the graph shows, marriage has been drifting out of fashion for close to 50 years. There are now over 3.3 million unmarried couples in the UK, of which nearly half have children. In spite of this major social change, governments [...]

By | 2018-11-12T14:53:59+00:00 November 12th, 2018|Uncategorised|0 Comments

The Budget: an end to austerity?

The 2018 Budget – delivered on a Monday for the first time since 1962 – produced a number of surprises, not least some high-profile ‘giveaways’. Announcements in the Budget included: A £650 increase in the personal allowance to £12,500 for 2019/20, the level originally pencilled in for 2020/21. A £3,650 increase in the higher rate [...]

By | 2018-11-12T14:50:27+00:00 November 12th, 2018|Uncategorised|0 Comments