Inheritance tax, also known as estate tax, can end up costing your loved ones huge sums of money in the event of your death. Of course, you want to make sure your nearest and dearest are financially protected when you are no longer here. However, without knowing about inheritance tax the opposite could occur. The inheritance tax threshold is £325,000. If your estate amounts to more than this, then you will pay 40 per cent tax on anything in excess of £325,000. Your estate is calculated by taking into account…

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When people get to a certain age it’s their time to bask in the sun. And by basking, one could easily mean taking a load off and retiring comfortably. There are many ways you can help your loved ones achieve this as in the modern day, there are so many strategies which you can use. No doubt, saving up for your entire life or rather your professional working days, is going to help you when you no longer work. State pensions aside, it’s better to have a savings account as…

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Choice is everything and in the modern real estate market, choice is the one thing that there’s certainly enough of. If you’re thinking of up or downsizing over the next year, then possibly the biggest challenge you’ll face is deciding on what type of property is going to suit you and your lifestyle. There are benefits to both apartment living and houses, take a look at our handy guide to both and help make a decision that’s right for you. Choosing a house Of course not all houses are the…

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20 years ago, pretty much every office looked exactly the same. Just rows and rows of cubicles where everybody would sit closed off from one another and get their heads down. It was thought that by shutting out any of the outside distractions, you’d make your employees a lot more productive. But more recently, people have started to realize that might not be the case. In fact, the cubicle layout is actually pretty terrible if you want people to work effectively. Most bosses don’t think too much about their office…

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Whether we like it or not, money has a tendency to dominate our lives. It impacts the things we can do and the things we can’t do. With that in mind, read on for some useful ways you can get savvy with your cash. Educate yourself on money matters There is only one place to begin, and this is by educating yourself on matters concerning money. We don’t learn about how to manage our finances in school. The good news, though, is that there are lots of great resources online.…

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It is no kept secret that more people than ever before are leaving London. Escalating house prices are leaving a sour taste in people’s mouth as the capital city is rapidly slipping down the list of locations that many prospective property investors may have originally chosen. From June 2016 to June 2017, a total of 330,000 people were recorded to have left London to live in other towns, cities and rural areas of the UK, with the North being the top location enticing London’s leavers.  There are multiple reasons why…

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We spend so much of our lives trying to acquire valuable things, we sometimes forget to capture the most valuable thing of all – time. Time is getting away from us and it’s only once a moment has passed that we realise how precious that it was to you.  Take, for example, looking back at old photos of your children, or grandchildren. When you see them grow up day by day you don’t notice just how quickly they’re growing. But when you see a picture of them from a few…

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Leeds is a flourishing city that is far surpassing many of its other northern counterparts. Determined regeneration initiatives are transforming the landscape, creating a prime location for investors to capitalise on the developing region. The city has captured the attention of a wide collection of people. Leeds stands as an appealing opportunity for students, young professionals and those from overseas due to its elevated standard of living. As an abundance of demographics are calling this region home, the demand for property is stronger, which is excellent news for investors. A…

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When you book a holiday there’s no question that there’s an order to how you do it. For me it tends to go Hotel > Flights > Insurance > Anything Else. The latter could be anything from a hotel by the Airport the night before or booking any activities I want to do before we fly off. One of the things I probably think least about and ALWAYS seem to leave to the last minute on our yearly Florida holidays is what to do about Airport parking. I will truly…

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If you stand still, you will eventually get left behind. That’s accepted logic in all walks of life; from Olympic long-distance runners to the business world. If you neglect to be progressive, dynamic and seek continual improvement, at some point your competition will leave you trailing in the dust. For many businesses and industries, the marketing mix has changed beyond all recognition in recent years thanks, largely, to new and exciting technologies, and the truth is that for most firms embracing new tech is essential in promoting products and services…

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There’s no better feeling than finally being able to relax in the home of your dreams. But, with plenty of things to think about before securing the purchase, it can often feel miles away from reality. You’ll no doubt be focused on finding the perfect space for you and your family, however, there are other important things you should be thinking about too: having your finances in order will be what ultimately secures you the purchase, after all. Here, we will talk you through four tips, including how to find…

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If you already have an investment property, and you are looking to get a decent yield on letting it out, you can go out on your own or simply get an agency that will do the work for you. We are all busy to advertise, but it does actually make sense to consider letting your house out privately, provided that you take the right precautions. Below you will find a few tips on how to get started and avoid ending up in legal trouble. Saving on Fees One of the…

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As much as we’d love to be able to predict the future, we all know that, unfortunately, it’s never going to happen. Life always seems to find a way to surprise us; sometimes they’re nice surprises and other times…not so much. Quite often these not so nice surprises can come with a financial sting too, which can make everything so much harder to deal with if you’re not ready for them. So, whether it’s as inconvenient as having a broken boiler or a large vet bill, or as overwhelming as…

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Running a small business from home can be a costly and time-consuming affair – particularly if you’re a parent – with an endless array of considerations to take into account from overseas customers to shipping fees. If these aren’t managed properly, you may find your business incurring unexpected and unnecessary costs which can hit your profit margins. This handy guide from Hemisphere Freight Services should ensure your business runs as smoothly and efficiently as possible. Things to consider when shipping  There are many complexities involved in sending products out for…

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