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....The Trump administration talks as if there was no crash and no need to protect the American people from Wall Street. “Between the election and now, we have seen a narrowing and lessening of expectations regarding bank reforms,” said Isaac Boltansky, policy analyst at Compass Point Research and Trading. ... [Read full article on Guardian ]
Sunday 25th of June 2017 11:00:28 AM
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Latest Finance News related to Isa

Trump could use alternate routes to roll back bank reforms image
Source : Guardian [Read Article] Sunday 25th of June 2017 11:00:28 AM
....The Trump administration talks as if there was no crash and no need to protect the American people from Wall Street. “Between the election and now, we have seen a narrowing and lessening of expectations regarding bank reforms,” said Isaac Boltansky, policy analyst at Compass Point Research and Trading. ...
British workers are missing out on ‘buy one, get one free’ pension offer image
.... Note that the maximum anyone can pay into a pension and receive tax relief on is £40,000 a year. 2 Lifetime IsaLaunched in April, this lets you save tax free for either a property or retirement – the crucial difference to standard Isas is you also get a government bonus equal to 25% of everything you save. ...
Buying my own place was an impossible dream – here’s how it came true image
.... It didn’t look promising. I contacted mortgage broker Sam Cox, a consultant at IFA firm Whichers, on the recommendation of a friend and explained my situation: I had a deposit of £23,500, which included £10,000 from my parents (though I could have just about bought the property without this top-up) and a few thousand from my help-to-buy Isa (I can’t recommend using one of these enough – start now). ...
First cash Lifetime Isa launched image
Source : BBC [Read Article] Tuesday 6th of June 2017 10:55:03 AM
. Savers will be able to save cash into the government's new Lifetime Individual Savings Account (Isa) for the first time from Thursday. ...
Peer-to-peer lending promised 6%, but I’ve been left red-faced and in the red image
.... It’s because one of the firms that 10% of his money was lent to defaulted, leaving his account £128 in the red – a sum that his other investments at the platform have struggled to make up. In the week that Funding Circle, and several rival big-name P2P lenders gained full authorisation from the Financial Conduct Authority – which paves the way for them to start offering tax-free “innovative finance” Isas (see below) – his case is a reminder that P2P lending is not without its risks. ...
Mortgage approvals at seven-month low image
Source : BBC [Read Article] Wednesday 31st of May 2017 10:05:22 AM
....The Bank of England figures also reveal that it continues to be difficult for savers to get a decent return. The interest paid on variable Individual Savings Accounts (Isas) averaged 0. ...
Labour plans inheritance tax raid: Jeremy Corbyn sets his sights on YOUR inheritance image
....Home ownership levels for those under 35 have fallen dramatically as house price rises outstrip earnings. The surge in the FTSE 100, which recently burst through 7500 for the first time, has also boosted the over 50s by driving up the value of their pensions and stocks and shares Isas. ...
Let’s move to Ilford, east London: ‘One of today’s boomtowns’ image
....Schools Primaries: many “good”, Ofsted says, with Loxford, Cleveland Road, Seven Kings and Christchurch “outstanding”. Secondaries: Loxford, Valentines High, Seven Kings, Isaac Newton Academy and Chadwell Heath Academy all “outstanding”. ...
What's the best way of paying off my interest-only mortgage? image
Source : Guardian [Read Article] Thursday 25th of May 2017 06:00:21 AM
....I regularly save 20%-28% of our monthly income in a savings account offering a low interest rate. I have two Isas and am thinking of starting another. ...
Proud papa image
Source : BBC [Read Article] Wednesday 24th of May 2017 11:55:48 PM
....It is also one of the few added benefits in a budget that is filled with billions of dollars in cuts to social services and programmes. "It kind of sticks out - it's almost the only domestic initiative in the entire budget," says Isabel Sawhill, senior fellow in economic studies at the Brookings Institution, and the former associate director of Office of Management and Budget for the Clinton administration. ...
A new Green Deal bond that pays 12% interest – too good to be true? image
Source : Guardian [Read Article] Saturday 20th of May 2017 06:00:17 AM
....It’s the result of a linkup between a firm called GDFC Services and the ethical investment platform Abundance, and takes the form of a three-year bond with a minimum investment of just £5. Those behind the scheme are holding out the prospect of a 12%-a-year return before tax, or tax free if the bond is held within an innovative finance Isa. ...
How to measure success in the world of megaprojects | Jane Dudman image
Source : Guardian [Read Article] Friday 19th of May 2017 06:09:48 AM
....But were these megaprojects in fact easier to get politicians to approve than other, smaller investments in UK infrastructure and transport?. That is the intriguing notion put forward by Isabel Dedring, global transport leader at Arup and London’s former deputy mayor for transport. ...
Not research, but 'mesearch' image
Source : BBC [Read Article] Tuesday 9th of May 2017 11:06:50 PM
....She says that watching her brain deteriorate gave her "an understanding of the brain that academia could not teach me" - and wrote a book about it called My Stroke of Insight. Could Sir Isaac Newton's revelation about gravity after an apple fell on his head, and Descartes' observation that "I think, therefore I am", be called examples of autoethnography?. ...
Five minute guide to ever-increasing inheritance tax  image
Source : Daily Express [Read Article] Sunday 7th of May 2017 12:01:00 AM
....You can also gift much larger sums, known as potentially exempt transfers, but these become fully IHT free only if you live for another seven years. If the nil-rate band is exceeded, Isas are liable to IHT, but you can pass on your pension free of death duty if you die after age 75, although beneficiaries may pay income tax on the money. ...
Take stock ahead of a stabilising election image
Source : Daily Express [Read Article] Wednesday 3rd of May 2017 09:15:00 AM
....". The FTSE climbed almost 20 per cent in 2016 to hit an all-time high in a boost for savers with pension and stocks and shares Isas. ...
Blow to savers as Premium Bond prizes are slashed by £7m image
Source : Daily Express [Read Article] Sunday 30th of April 2017 10:40:00 PM
....The move, announced in February, comes alongside a cut in interest rates on NS&I accounts. Rates on the bank’s Direct Isa will fall from one per cent to 0. ...
'Pawternity' leave image
Source : BBC [Read Article] Wednesday 26th of April 2017 11:08:29 PM
....". Occupational psychologist Cheryl Isaacs says that having generous employee perks can be a good way for a company to help ensure that it has a contented workforce, and that numerous studies have shown (perhaps unsurprisingly) that happy staff are more productive. ...
Millions rethink their investment plans and move away from buy-to-let property image
Source : Daily Express [Read Article] Wednesday 26th of April 2017 12:01:00 AM
....Currie says investing in stocks and shares is cheaper and easier: “Property is far less liquid, as it takes time to buy and sell. ” You can invest free of income and capital gains tax using your annual £20,000 individual savings account (Isa) allowance. ...
Tax raid postponed as ministers rush through finance bill image
Source : Guardian [Read Article] Tuesday 25th of April 2017 04:42:20 PM
....The tax-free dividend allowance is the threshold at which point people have to start paying tax on dividend income from shares, and the reduction to £2,000 was announced by Philip Hammond in his budget last month. The government had estimated that this change, which would affect dividend-paying shares and investment funds held outside Isas or pensions, would raise £800m-£900m a year and affect more than 2. ...
Snap election delays £300m relief package for small businesses image
Source : Guardian [Read Article] Saturday 22nd of April 2017 09:48:24 AM
....According to research by CVS, the average rateable value of shops in England and Wales increased by 8. 5% at the start of this month, but the value of shops in Southwold, Blaenavon, Dolwyddelan, Port Isaac, Rhymney, Kenley and Corwen increased by more than 100%. ...
PENSION CRISIS: Women LAGGING behind in huge pensions gap image
Source : Daily Express [Read Article] Wednesday 19th of April 2017 12:01:00 AM
....They need to start saving all they can as early as possible and resist the temptation to opt out of any workplace pension scheme, as this means they will not benefit from their employer’s contribution, she said. Savers should also regularly review how much they have in their other savings pots, such as tax-free Isas. ...
£400BILLION: That’s the amount grandparents are going to pass on to the younger generation image
.... . "Schemes such as the Lifetime Isa which provide a government contribution of £1,000 per year for those who have £4,000 per year to save will tend to favour precisely those groups who already have access to wealth. ...
Ford wheels out range of online savings accounts image
Source : Guardian [Read Article] Saturday 15th of April 2017 06:00:17 AM
....49% if you elect to take your interest monthly rather than annually), with a minimum balance of £500. • The easy-access Flexible Cash Isa, which pays 0. ...
Can I use my help-to-buy Isa to buy a property with my brother? image
Source : Guardian [Read Article] Thursday 13th of April 2017 06:00:19 AM
....Q I’m wondering if you could give me some help-to-buy advice. I have a help-to-buy Isa and so does my brother. ...
NS&I launches new market-leading investment bond with rate of 2.2 per cent image
Source : Daily Express [Read Article] Wednesday 12th of April 2017 12:01:00 AM
....25 per cent in 2016. Economic Secretary to the Treasury Simon Kirby said: “From raising the Isa threshold to introducing the new Lifetime Isa, this government is committed to creating a nation of savers. ...
Inflation rates puts squeeze on savers as UK is in the midst of a 'silent savings crisis' image
....”. However, savers aged between 18 and 39 may prefer the Lifetime Isa, which offers a 25 per cent bonus to those saving for a first property deposit or retirement, worth £1,000 on the maximum £4,000 investment, Cox said. ...
The early bird Isa investor catches the best returns image
Source : Daily Express [Read Article] Wednesday 12th of April 2017 12:01:00 AM
....Rise and shine. Every year millions of savers and investors leave it until the last minute to use their annual Isa allowance. ...
Banks and building societies snub Lifetime Isa launch image
Source : BBC [Read Article] Wednesday 5th of April 2017 10:57:02 PM
. The government's flagship savings programme, the Lifetime Isa (Lisa), has been snubbed by banks and building societies on the day it launches. ...
It's that time of year to spring clean your finances with the help of our expert tips image
....62 a month on unused subscriptions such as gym membership, television and music streaming and hobby memberships, says TopCashBack, so cancel any you no longer use. Sort out your Isas . ...
New Isa offers free cash deal to young savers image
Source : Daily Express [Read Article] Wednesday 5th of April 2017 07:58:00 AM
. The Lifetime Isa launches on Thursday April 6, offering those aged between 18 and 39 a generous Government-funded bonus to help them save for their first property or retirement. ...
Premium Bond winners to FALL in May: Savers warned as returns tumble image
Source : Daily Express [Read Article] Tuesday 4th of April 2017 04:21:00 PM
.... There will still be two £1million winners each month, but the number of £100,000 winners will fall from three to two. NS&I (National Savings and Investments) is also slashing rates from May 1 on its Direct Isa, Direct Saver and Income Bonds. ...
Isa rates halved since Brexit vote and eroded further by inflation image
Source : Guardian [Read Article] Saturday 1st of April 2017 06:00:17 AM
. Typical cash Isa rates have halved since June’s Brexit vote, it emerged this week. ...
ISA 2017: Can I move my ISA money into a different ISA account? image
Source : Daily Express [Read Article] Thursday 30th of March 2017 05:17:00 PM
.... . “Instead, you must ask your new provider for an Isa transfer form and your new and old ISA providers will arrange for your money to be moved across. ...
Oscars will still use accountant firm PwC despite envelopegate blunder image
....PwC had taken responsibility for the "unacceptable" mistake which saw La La Land wrongly announced as the winner instead of Moonlight, the Academy said. Its president, Cheryl Boone Isaacs, wrote in a letter to members that new rules will also mean electronic devices are banned backstage. ...
Older savers taking big market risks to trump inflation image
Source : Daily Express [Read Article] Wednesday 29th of March 2017 08:25:00 AM
.... . The rush into stocks and shares is likely to intensify over the next week as the annual tax-free Isa season draws to a close, with the end of the tax year just a week away, at midnight on April 5. ...
What businesses want from the talks image
Source : BBC [Read Article] Tuesday 28th of March 2017 11:01:52 PM
.... The flipside of JIT is that border delays could wreak havoc on the whole operation. "This is not just about maintaining tariff-free trade with the EU and other global markets," says Tamzen Isacsson, communications director at automotive trade body SMMT. ...
New Nationwide deal for parents to raise cash from their home to help their children image
....". She said first-time buyers looking to boost their deposit could also consider a Help to Buy Isa, which comes with a government bonus. ...
Five-minute guide to…The resurgence of first-time buyers image
Source : Daily Express [Read Article] Sunday 19th of March 2017 12:01:00 AM
....ONCE IN A LIFETIME. From April 6, first-time buyers will get Government support from the new Lifetime Isa (Lisa), which will pay a bonus to those aged between 18 and 39 who set money aside for their first property. ...
Driverless cars 'could lead to complacency' image
Source : BBC [Read Article] Wednesday 15th of March 2017 12:00:42 AM
....". Tamzen Isacsson, SMMT director of communications, added: "Connected and autonomous cars will transform Britain's roads, dramatically increasing safety and reducing up to 25,000 serious accidents each year. ...
Lifetime Isas: Money Saving Expert Martin Lewis explains image
Source : BBC [Read Article] Monday 13th of March 2017 03:33:39 PM
. Lifetime Isas are set to be introduced on 1 April and could help under-40s buying a new home or building a pension. ...
Related to :
Isas back in favour after tax allowance hike image
Source : Guardian [Read Article] Saturday 11th of March 2017 07:00:28 AM
. A new tax-free Isa allowance that comes into force next month will allow wealthy couples to put more than £70,000 beyond the reach of HMRC. ...
Budget 2017: tax on dividends will be a raid on 2 million small investors image
....Those affected will typically have to pay several hundred pounds more in tax each year on the dividend income they receive from their shares-based investments – though some with large portfolios could face an annual “hit” of £1,000-plus. However, the change doesn’t take effect until April next year, and experts said many of those affected will be able to minimise their tax bill, or avoid any extra tax completely, by maximising their Isa allowances. ...
Road tax rises image
Source : BBC [Read Article] Friday 10th of March 2017 10:07:22 PM
....Motoring groups have given a mixed reaction to the changes. "While zero-emission cars will, on the whole, remain exempt from VED, the new regime will disincentivise take-up of low-emission vehicles," said Tamzen Isacsson of the Society of Motor Manufacturers and Traders (SMMT). ...
Budget 2017: Tax-free dividend allowance slashed image
Source : BBC [Read Article] Wednesday 8th of March 2017 06:04:27 PM
....4 million basic-rate taxpayers affected would lose an average £200, compared with £440 for the 725,000 on higher rate and £890 for the 124,000 top rate taxpayers. Experts said some savers could protect themselves to a degree by using the more generous tax-free Isa allowance, which can be used for stocks and shares. ...
Isa savers frozen out as rates hit a new low image
Source : Daily Express [Read Article] Wednesday 8th of March 2017 08:13:00 AM
.... . The rate paid on the average cash Isa has kept falling to hit a low of just 0. ...
UK’s star fund manager aims to win over the older savers market image
Source : Guardian [Read Article] Saturday 4th of March 2017 07:00:08 AM
. It says it will pay an initial 5% income, it is looked after by the most successful investment manager of his generation, it can be put into a tax-free Isa and comes under the financial services compensation scheme. ...
Seven things we already know will happen in the 2017 spring budget image
Source : Guardian [Read Article] Saturday 4th of March 2017 06:59:08 AM
.... For someone with a £280,000 mortgage against a £350,000 property earning a rental income of £14,000, the tax will rise from £1,120 now to £1,610 in 2017-18, and to more than £3,000 by 2020. 7 Isas If you can afford to stash a lot of cash into an Isa then from April you are in luck, as the total tax-free limit will rise from £15,240 to £20,000. ...
ISAs 2017: Can I move existing shares into an ISA? What happens to my ISA if I go abroad? image
.... . This process, known as Bed & Isa, allows investors to sell their existing shares and reinvest the proceeds in a stocks and shares ISA. ...
All change: how the Royal Mint is making the new 12-sided £1 coins image
Source : Guardian [Read Article] Wednesday 1st of March 2017 03:41:18 PM
.... The reverse of the new coin shows the English rose, Welsh leek, Scottish thistle and Northern Irish shamrock emerging from one stem within a royal coronet – a design created by 15-year-old schoolboy David Pearce, who won a competition to create the image. Behind the scenes, work is also under way for other new coins – a new Sir Isaac Newton 50p, a first world war aviation £2 and a Jane Austen £2, all entering circulation this year. ...
Car wars image
Source : BBC [Read Article] Tuesday 28th of February 2017 01:04:48 AM
....The UK's Society of Motor Manufacturers and Traders (SMMT) acknowledges that "overly restrictive access [to car data] may stifle innovation and competition, and restrict consumer choice". "SMMT is currently working with all parties involved to ensure a better understanding of the issues involved, while a common solution is currently being discussed at a European level," says Tamzen Isacsson, director of communications and international. ...
Quids in: why it’s time to get rid of your £1 coins image
Source : Guardian [Read Article] Saturday 25th of February 2017 07:00:05 AM
....Yes! Two new £2 coin designs, one honouring the aviators of the first world war and the other celebrating Jane Austen, will enter circulation in April and July respectively. A 50p celebrating the genius of Sir Isaac Newton will follow in September. ...
A London penthouse for £60,000 per week, plus the Isa offering 12% returns image
Source : Guardian [Read Article] Thursday 23rd of February 2017 03:20:00 PM
....Homes for around £300,000. The ‘innovative finance’ Isa is being hailed by some as the answer to years of miserable interest rates. ...
Avoid sky-high costs and charges to get the most out of your investments image
Source : Daily Express [Read Article] Wednesday 22nd of February 2017 12:01:00 AM
. If you are not careful, fund managers can make more money from your pensions, unit trusts and equity Isas than you ever do. ...
Savers need a balancing act to beat inflation image
Source : Guardian [Read Article] Monday 20th of February 2017 07:00:31 AM
.... They are potentially a bit of fun, but unless you get extremely lucky the return you’ll get can probably be beaten elsewhere. “They are possibly more worthy of consideration for higher rate taxpayers who have already used up their personal savings and Isa allowances,” he says. ...
Will we pay higher stamp duty on a buy-to-let property? image
Source : Guardian [Read Article] Thursday 16th of February 2017 11:10:19 AM
....Also, unlike property investment a pension pot is not included in your estate when calculating IHT. If you don’t want to tie your money up until you are 55 you could also consider an Isa, which escapes income tax and CGT but does form part of your estate for IHT. ...
New double whammy to hurt prudent older savers image
Source : Daily Express [Read Article] Tuesday 14th of February 2017 10:29:00 PM
....” . Almost three quarters of over-55s have money in an instant access savings account, and more than half hold a tax-free cash Isa. ...
ISAs 2017: How much can I invest in an ISA next tax year? image
Source : Daily Express [Read Article] Thursday 9th of February 2017 05:09:00 PM
.... . Danny Cox, a chartered financial planner at Hargreaves Lansdown, said: “You can pay this into a cash Isa or stocks and shares ISA in any combination. ...
New blow to 21 MILLION savers: National Savings axes Premium Bond prizes and rates image
....NS&I (National Savings and Investments) is slashing rates from May 1 in a move that will affect 21million customers. Premium Bonds, the Direct Isa, the Direct Saver and Income Bonds are to all see reduced payouts in the mass cull. ...
Not so happy days: NS&I slashes premium bonds prize pot image
Source : Guardian [Read Article] Tuesday 7th of February 2017 12:02:57 PM
....NS&I is also cutting rates on three other savings products from 1 May. The Direct Isa, held by 414,000 people, will see its rate reduced from 1% to 0. ...
The high street is already under threat and now this... | Lucy Siegle image
Source : Guardian [Read Article] Sunday 5th of February 2017 12:05:44 AM
.... Instead of local authorities setting the rate (based on nuanced local market conditions, say), they are fixed values based on rentable space and surrounding commercial properties, doled out by central government. If you happen to be trading in a property hot spot (and, indeed, your brilliant business may have contributed to the success of that place, as in Southwold and Port Isaac, areas with notably good independent shops that will be hit by rate hikes), or big brands have arrived and now surround your enterprise, then your valuation goes up and you find yourself catapulted out of the small business relief zone. ...
Is it time to grab a bigger share of the stock market? image
Source : Daily Express [Read Article] Sunday 5th of February 2017 12:01:00 AM
....Insurer Royal London reckons savers have lost a cool £100 billion by leaving money in cash at today’s low rates. Since this applies only to money in tax-free cash Isas, the real number will be far higher. ...
Greenwich Peninsula redevelopment to be crowned with £1bn glass landmark image
Source : Guardian [Read Article] Thursday 2nd of February 2017 03:01:24 PM
. A £1bn building topped with a crown-shaped cluster of glass towers, inspired by the 19th-century designs of Isambard Kingdom Brunel, is planned as part of a major redevelopment of the area around London’s O2 Arena. ...
Savers should not rely on cash Isas as long-term option, warns report image
Source : Daily Express [Read Article] Wednesday 1st of February 2017 12:01:00 AM
.... . But it warned: "More needs to be done to wean individuals off the habit of using cash Isas as a long-term savings vehicle. ...
Statisticians fear Trump White House will manipulate figures to fit narrative image
.... “You can keep positions unfilled for a while but when you do that, you risk two things: one is obviously irrelevance because you’re not keeping up with the times and the other is you’re raising the risk of some kind of operational failure. ” Isaac Shapiro, a fellow at the nonpartisan Center on Budget and Policy Priorities, said data such as the supplemental poverty measure, used to assess safety net programs, is among the statistics most at risk of inaccuracy if budget cuts cause staff to take cheap shortcuts in data collection. ...
Broker-charge comparison website can save the average investor thousands of pounds image
....”. The site allows you to compare the cost of investing in a tax-free individual savings account (Isa), self-invested personal pension (Sipp) or standard trading account. ...
Can I buy a flat while I'm paying off debts through an IVA? image
Source : Guardian [Read Article] Thursday 19th of January 2017 07:00:30 AM
.... What you could sensibly do when your IVA comes to an end is to start putting the same amount you were paying into your IVA in a savings account. To benefit from a 25% government bonus (on savings up to £12,000), you could consider the help-to-buy Isa designed for budding first-time buyers. ...
10 ways to cut your tax bill image
Source : Guardian [Read Article] Saturday 14th of January 2017 07:00:19 AM
.... Tax is no longer deducted at source by the banks/building societies – if tax is due you can pay it via self-assessment or have it deducted via PAYE through an adjustment in your tax code. Higher-rate taxpayers should remember they can invest £15,240 in tax-free Isas each year – in either cash or shares. ...
A grand investment idea from Kevin McCloud, but it’s not without its risks image
.... The headline rate rises to 9% for those signing up on or before 16 January. The minimum investment is £1,000, and the bonds can be put into a Sipp but not an Isa. ...

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