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SETTING UP A TRUST
Setting up a trust can be complicated – use a solicitor to avoid costly mistakes. Imagine you asked a friend to look after some of your money, so they could use it to pay for your care if you got ill. If you just gave them the money directly, you couldn’t be sure that they’d use it properly MONEY PURCHASE ANNUAL ALLOWANCE (MPAA) Money Purchase Annual Allowance (MPAA) You can get tax relief on pension contributions up to £40,000 a year or 100% of your taxable salary. But if you start taking money from a defined contribution pension scheme, the amount you can pay into a pension and still get tax relief reduces. Read on to find out more. SECOND JOB TAX AND PAY Income Tax on second jobs. If you’re working, you are entitled to earn a certain amount of money without paying Income Tax. This is called the Personal Allowance and is £12,570 for the 2021/22 tax year. You only get one Personal Allowance, so it’s usually best to have it applied to the job paying you the most. FREE AND IMPARTIAL MONEY ADVICE, SET UP BY GOVERNMENTDEBT & BORROWINGBLOGCORONAVIRUSHOMESMORTGAGESBUDGETING AND MANAGING MONEY Free and impartial money advice, set up by government. Advice and guides to help improve your finances. Tools and calculators to help keep track and plan ahead. Support over the phone and online. If your finances have been affected by coronavirus, get free personalised help with our Money Navigator tool. CORONAVIRUS, TRAVEL INSURANCE AND HOLIDAY CANCELLATIONS Coronavirus has probably changed the way you think about holidays. Whether it’s UK or abroad, one of your concerns is going to be how safe your money is when you book and what you can do if your holiday is cancelled. This guide covers your options. Can I get a refund from my travel provider if UNIVERSAL CREDIT PROBLEMS Universal Credit Helpline. Call the Universal Credit Helpline free on: Telephone: 0800 328 5644. Textphone: 0800 328 1344. 8am - 6pm, Monday to Friday (closed on bank and public holidays). The helpline is very busy because of the current crisis. It’s best to use your onlineaccount if you can.
SETTING UP A TRUST
Setting up a trust can be complicated – use a solicitor to avoid costly mistakes. Imagine you asked a friend to look after some of your money, so they could use it to pay for your care if you got ill. If you just gave them the money directly, you couldn’t be sure that they’d use it properly MONEY PURCHASE ANNUAL ALLOWANCE (MPAA) Money Purchase Annual Allowance (MPAA) You can get tax relief on pension contributions up to £40,000 a year or 100% of your taxable salary. But if you start taking money from a defined contribution pension scheme, the amount you can pay into a pension and still get tax relief reduces. Read on to find out more. SECOND JOB TAX AND PAY Income Tax on second jobs. If you’re working, you are entitled to earn a certain amount of money without paying Income Tax. This is called the Personal Allowance and is £12,570 for the 2021/22 tax year. You only get one Personal Allowance, so it’s usually best to have it applied to the job paying you the most. FREE AND IMPARTIAL MONEY ADVICE, SET UP BY GOVERNMENT The Money Advice Service helps you manage your money better. Use our Health Check tool, calculators and comparison tables to make the mostof your finances.
UNIVERSAL CREDIT PROBLEMS Universal Credit Helpline. Call the Universal Credit Helpline free on: Telephone: 0800 328 5644. Textphone: 0800 328 1344. 8am - 6pm, Monday to Friday (closed on bank and public holidays). The helpline is very busy because of the current crisis. It’s best to use your onlineaccount if you can.
COMPARE GUARANTEED INCOME PRODUCTS (ANNUITIES) Compare guaranteed income products (annuities) Compare guaranteed income products. You can use all or part of your pension pot to buy a guaranteed retirement income (also known as an annuity). The income can last for the whole of your life or for a fixed term. You must agree to the terms and conditions before continuing.WITH-PROFITS FUNDS
With-profits funds are for money you don’t need to get at for a long time – there are often penalties for taking your money out early. With-profits policies are medium- to long-term investment funds offered by insurance companies. You might be offered a with-profits fund when you set up: An investment bond. An endowment policy. MAKING A WILL AND PLANNING WHAT TO LEAVE 3. Think about how you want to split your money and property when making your will. There are broadly five types of legacy you can leave. “ I leave £2,000 to my son ” – this is called a ‘pecuniary bequest’. It means you leave a fixed sum of money. “ I leave my jewellery to my daughter ” THE COST OF BUYING A HOUSE AND MOVING From 1 July to 30 September 2021, you will not have to pay Stamp Duty on residential properties costing up to £250,000. If you’re a first-time buyer, you will pay no Stamp Duty on properties costing up to £300,000, and a discounted rate, up to £500,000. From 1 October, you will pay Stamp Duty on properties costing more than £125,000 for HOMEBUYER SURVEYS AND COSTS RICS HomeBuyer Report. A HomeBuyer Report is a survey suitable for conventional properties in reasonable condition. Costs start at £400 on average. This will help you find out if there are any structural problems, such as subsidence or damp, as well as any other unwelcome hidden issues inside and HOW TO NEGOTIATE WHEN BUYING A CAR Anyone can and should haggle when buying a vehicle. In fact, 64% of those who tried to negotiate when buying a car were successful, with just 16% of those failing to bag a discount, according to Money Advice Service research.So read our tips for negotiating car prices. TRANSFERRING DEFINED CONTRIBUTION PENSIONS This guide is about transferring out of defined contribution (DC) pension scheme. A DC pension scheme (also known as a money-purchase pension scheme) is the type of scheme where you build up a pension pot of savings that you can use in various ways to provide an income when you decide to stop working. The amount you will have in your pension RETIREMENT ADVISER DIRECTORY Use the Retirement Adviser Directory to find FCA regulated financial advisers for help with retirement planning, inheritance tax, equity release, wills and probate, long-term care and pension transfers. FREE AND IMPARTIAL MONEY ADVICE, SET UP BY GOVERNMENTDEBT & BORROWINGBLOGCORONAVIRUSHOMESMORTGAGESBUDGETING AND MANAGING MONEY Free and impartial money advice, set up by government. Advice and guides to help improve your finances. Tools and calculators to help keep track and plan ahead. Support over the phone and online. If your finances have been affected by coronavirus, get free personalised help with our Money Navigator tool. CORONAVIRUS, TRAVEL INSURANCE AND HOLIDAY CANCELLATIONS Coronavirus has probably changed the way you think about holidays. Whether it’s UK or abroad, one of your concerns is going to be how safe your money is when you book and what you can do if your holiday is cancelled. This guide covers your options. Can I get a refund from my travel provider if MAKING A WILL AND PLANNING WHAT TO LEAVE 3. Think about how you want to split your money and property when making your will. There are broadly five types of legacy you can leave. “ I leave £2,000 to my son ” – this is called a ‘pecuniary bequest’. It means you leave a fixed sum of money. “ I leave my jewellery to my daughter ” AVERAGE CHILDCARE COSTS The UK, the average cost of sending a child under two to nursery is: 138 per week - part time (25 hours) £263 per week - full time (50 hours). The average cost for families using an after-school club for five days is £62 per week. But there is help you can get with childcare costs, for example with tax free childcare you can get up to2,000.
CALCULATING AND PAYING TAX AFTER SOMEONE DIES Calculating and paying tax after someone dies. When someone dies, their estate will normally have to pay any tax due before any money is distributed to their heirs. Usually when you inherit something, there is no tax to pay immediately but you might have to pay tax later on.Here’s a
HOW TO DIVIDE YOUR POSSESSIONS ON SEPARATION LAND AND BUILDINGS TRANSACTION TAX (LBTT) Land and Buildings Transaction Tax (LBTT) is paid at different rates depending on the purchase price. The table below shows the rates of LBTT someone buying their next home would pay.. Anyone buying an additional residential property in Scotland (such as a second home or buy-to-let property) may also have to pay an Additional Dwelling Supplement (ADS) if the purchase price is £40,000 or more. HOW TO SPOT AND AVOID ONLINE DATING SCAMS A failed relationship could give you a broken heart, but it shouldn't leave you out of pocket. Welcome to the world of romance scammers, where a dating profile that seems like Mr or Mrs Right could be a opportunistic criminal who’s attempting to access your life savings. HOW MUCH DOES A DIVORCE COST? The average cost of an uncontested divorce. If you are the one seeking the divorce then you are the petitioner and will pay £450 to £950 in solicitor’s fees and £550 in a divorce centre fee – making a total of £1,000 to £1,500. If you are the other spouse then you’rethe respondent.
HOW MUCH DO RABBITS COST TO KEEP? From the food, to the hutch, vaccinations and the insurance, the average cost of owning a rabbit is said to be around £500 to £1,000 a year. But remember – rabbits are social animals so ideally need to be kept in pairs. Although they’d be able to share bowls, hutches and bottles, any costs below you’re going to need to pretty muchdouble.
FREE AND IMPARTIAL MONEY ADVICE, SET UP BY GOVERNMENTDEBT & BORROWINGBLOGCORONAVIRUSHOMESMORTGAGESBUDGETING AND MANAGING MONEY Free and impartial money advice, set up by government. Advice and guides to help improve your finances. Tools and calculators to help keep track and plan ahead. Support over the phone and online. If your finances have been affected by coronavirus, get free personalised help with our Money Navigator tool. CORONAVIRUS, TRAVEL INSURANCE AND HOLIDAY CANCELLATIONS Coronavirus has probably changed the way you think about holidays. Whether it’s UK or abroad, one of your concerns is going to be how safe your money is when you book and what you can do if your holiday is cancelled. This guide covers your options. Can I get a refund from my travel provider if MAKING A WILL AND PLANNING WHAT TO LEAVE 3. Think about how you want to split your money and property when making your will. There are broadly five types of legacy you can leave. “ I leave £2,000 to my son ” – this is called a ‘pecuniary bequest’. It means you leave a fixed sum of money. “ I leave my jewellery to my daughter ” AVERAGE CHILDCARE COSTS The UK, the average cost of sending a child under two to nursery is: 138 per week - part time (25 hours) £263 per week - full time (50 hours). The average cost for families using an after-school club for five days is £62 per week. But there is help you can get with childcare costs, for example with tax free childcare you can get up to2,000.
CALCULATING AND PAYING TAX AFTER SOMEONE DIES Calculating and paying tax after someone dies. When someone dies, their estate will normally have to pay any tax due before any money is distributed to their heirs. Usually when you inherit something, there is no tax to pay immediately but you might have to pay tax later on.Here’s a
HOW TO DIVIDE YOUR POSSESSIONS ON SEPARATION LAND AND BUILDINGS TRANSACTION TAX (LBTT) Land and Buildings Transaction Tax (LBTT) is paid at different rates depending on the purchase price. The table below shows the rates of LBTT someone buying their next home would pay.. Anyone buying an additional residential property in Scotland (such as a second home or buy-to-let property) may also have to pay an Additional Dwelling Supplement (ADS) if the purchase price is £40,000 or more. HOW TO SPOT AND AVOID ONLINE DATING SCAMS A failed relationship could give you a broken heart, but it shouldn't leave you out of pocket. Welcome to the world of romance scammers, where a dating profile that seems like Mr or Mrs Right could be a opportunistic criminal who’s attempting to access your life savings. HOW MUCH DOES A DIVORCE COST? The average cost of an uncontested divorce. If you are the one seeking the divorce then you are the petitioner and will pay £450 to £950 in solicitor’s fees and £550 in a divorce centre fee – making a total of £1,000 to £1,500. If you are the other spouse then you’rethe respondent.
HOW MUCH DO RABBITS COST TO KEEP? From the food, to the hutch, vaccinations and the insurance, the average cost of owning a rabbit is said to be around £500 to £1,000 a year. But remember – rabbits are social animals so ideally need to be kept in pairs. Although they’d be able to share bowls, hutches and bottles, any costs below you’re going to need to pretty muchdouble.
FREE AND IMPARTIAL MONEY ADVICE, SET UP BY GOVERNMENT The Money Advice Service helps you manage your money better. Use our Health Check tool, calculators and comparison tables to make the mostof your finances.
SETTING UP A TRUST
Setting up a trust can be complicated – use a solicitor to avoid costly mistakes. Imagine you asked a friend to look after some of your money, so they could use it to pay for your care if you got ill. If you just gave them the money directly, you couldn’t be sure that they’d use it properlyWITH-PROFITS FUNDS
With-profits funds are for money you don’t need to get at for a long time – there are often penalties for taking your money out early. With-profits policies are medium- to long-term investment funds offered by insurance companies. You might be offered a with-profits fund when you set up: An investment bond. An endowment policy. STAMP DUTY - EVERYTHING YOU NEED TO KNOW - MONEY ADVICE Stamp Duty from 1 July 2021. From 1 July to 30 September 2021, you’ll pay no Stamp Duty on residential properties costing up to 250,000. If you’re a first-time buyer, you’ll pay no Stamp Duty on properties costing up to £300,000 and a discount rate up to 500,000. The tax is calculated on the part of the property purchaseprice
MONEY PURCHASE ANNUAL ALLOWANCE (MPAA) Money Purchase Annual Allowance (MPAA) You can get tax relief on pension contributions up to £40,000 a year or 100% of your taxable salary. But if you start taking money from a defined contribution pension scheme, the amount you can pay into a pension and still get RETIREMENT INTEREST-ONLY MORTGAGES You can get free, impartial equity release advice from Stepchange online. opens in new window. or calling 0808 1686 719. If you’re coming towards the end of your current interest-only mortgage, talk to your lender to see if they will extend your mortgage term into retirement. You can also talk to an independent mortgage broker aboutthe next
THE COST OF BUYING A HOUSE AND MOVING From 1 July to 30 September 2021, you will not have to pay Stamp Duty on residential properties costing up to £250,000. If you’re a first-time buyer, you will pay no Stamp Duty on properties costing up to £300,000, and a discounted rate, up to £500,000. From 1 October, you will pay Stamp Duty on properties costing more than £125,000 for WHAT TO DO ABOUT SOMEONE’S PENSION WHEN THEY'VE DIED Pensions don’t automatically ‘sort themselves out’ when someone dies. It’s possible that a spouse or another beneficiary might benefit. But the amount claimed depends on the type of pension, the age of the deceased and their beneficiaries. What to do about their State Pension What to do HOW MUCH IS THE AVERAGE WATER BILL PER MONTH? One person - £322 per year and £26.80 per month. Two people - 449.40 per year and £37.40 per month. Three people - £576.90 per year and £48 per month. Four people - £668 per year and £55.70 per month. Five people - £740.90 per year and £61.70 per month. Sixpeople -
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