Personal finance advice

How to deal with the scourge of the late payers and debtors

Money photo It is unfortunate, but inevitable that when you run a business, at some point you will have to deal with late and non-payers.

Last updated 5 March 2010
Published by http://www.cumberlandnews.co.uk

Popular ISAs a must for savers

We’re approaching the end of the tax year and many of us will be thinking about our individual savings accounts – or ISAs, as they are usually known.

Last updated 5 March 2010
Published by http://www.cumberlandnews.co.uk

Time for a money spring clean before election

We are just a few weeks away from the end of the current tax year and it’s time for a financial review to make sure that all is in order.

Last updated 5 March 2010
Published by http://www.cumberlandnews.co.uk

Tax amnesty for medical professionals

Yet another tax disclosure scheme is being offered by the taxman – but this latest initiative is open only to medical professionals.

Last updated 26 February 2010
Published by http://www.cumberlandnews.co.uk

Business starts with a good idea

Britain officially emerged from recession in the last quarter of 2009, although the economy remains in something of a fragile state.

Last updated 19 February 2010
Published by http://www.cumberlandnews.co.uk

Hope for the best but plan for the worst

Planning for the future is one of those things a lot of people put off until tomorrow, or the next day.

Last updated 12 February 2010
Published by http://www.cumberlandnews.co.uk

Time to take a tax advantage

The recession is over and all is now well with the economic world.

Last updated 12 February 2010
Published by http://www.cumberlandnews.co.uk

Improvements in the mortgage market, combined with moves by some lenders to increase their standard variable rates (SVR), has prompted experts to say it may now be a good time to consider remortgaging.

Last updated 12 February 2010
Published by http://www.cumberlandnews.co.uk

Get help with debts now

Christmas festivities are well and truly over, but are you still suffering from a New Year financial hangover? If spending was higher than you had budgeted for, you may be worried about how you are going to pay the January credit card bills that you have received.

Last updated 5 February 2010
Published by http://www.cumberlandnews.co.uk

Run-down but still an opportunity

Buying a run-down property to renovate is an attractive option for home buyers who are motivated by the prospect of achieving a profit from the increase in its value after the improvement works are completed. This incentive is most attractive during an adverse property market when house prices are falling.

Last updated 5 February 2010
Published by http://www.cumberlandnews.co.uk

Coping with the loss of key staff

In April 2009, Legal & General conducted research among 1,000 members of the British Chamber of Commerce.

Last updated 29 January 2010
Published by http://www.cumberlandnews.co.uk

Business accountability

One of the earliest decisions you need to make when starting a small business is which bank account to opt for.

Last updated 29 January 2010
Published by http://www.cumberlandnews.co.uk

Avoiding tax pitfalls

As the pressures of recent extreme weather conditions begin to fade, they are replaced by the financial realities that January holds for many.

Last updated 22 January 2010
Published by http://www.cumberlandnews.co.uk

Self-build dream requires planning

To many people not involved in the property industry, the thought of building your own house is daunting. However, with detailed research, careful planning and the engagement of sound advisors and tradesmen it can be a hugely rewarding experience and may allow you to create your dream home at a significantly lower cost than its value on completion.

Last updated 22 January 2010
Published by http://www.cumberlandnews.co.uk

Improvements likely, but slowly

It’s been an eventful 12 months in the somewhat rocky world of mortgages – banks on the brink of collapse, funding drying up, bailouts and the lowest Bank of England base rate in history. So where are we now? And what lies ahead in 2010?

Last updated 15 January 2010
Published by http://www.cumberlandnews.co.uk

Are you ready for disaster?

Some months ago, in an earlier article, I touched on the subject of business risk assessment – “business risk” being the threat that an event or action could adversely affect the ability of a business to achieve its objectives.

Last updated 15 January 2010
Published by http://www.cumberlandnews.co.uk

Finding the right rate for you

Now that the festive period is behind us and the new year is underway, if you are thinking about moving home or remortgaging you may be starting to seriously consider your options.

Last updated 11 January 2010
Published by http://www.cumberlandnews.co.uk

Options for university fees need some studying

At this time of year, prospective students will be anxiously examining the post (or possibly their emails) for offers from universities. Greater numbers of young people than ever before head for further education and the application process is a tense time for the whole family.

Last updated 10 January 2010
Published by http://www.cumberlandnews.co.uk

Spring into moving mode

The arrival of a new year steers many to consider moving home and to take advantage of the spring market which traditionally experiences higher levels of interest in properties for sale.

Last updated 5 January 2010
Published by http://www.cumberlandnews.co.uk