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Blog Posts: August 2012

Avoiding DIY disasters

Thursday August 30, 2012 at 9:00am

Bank holiday weekends are known to see a rise in A&E admissions through DIY mishaps. And the long weekend in August got me thinking about the so-called DIY pension or Self Invested Personal Pension (SIPP). SIPPs are appealing to investors due to their flexibility but fees can be higher. However, research published in August (2 in 3 DIY pensions left to fail) suggested a number of people managing their own personal pension don’t have the expertise, understanding of market risks or ....

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Don’t be caught off-side by cash flow

Thursday August 23, 2012 at 10:00am

Readers of my blog will know that I often bang the drum about the need for a healthy cash flow to ensure business security. The majority of businesses, no matter how big and successful they become, will in their life time have ups and downs. After hearing that Coventry City Football Club had been in court for rent arrears after relegation depleted their income, it seemed timely for me to blog again about the importance of forecasting cash flow and having something set aside for the inevitabl....

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How to get most value from directors’ pensions

Thursday August 16, 2012 at 10:00am

Andy Parker was invited to contribute to a new book being produced by the Institute of Directors, to be published later in 2012. Here’s a sneak preview of his Chapter focusing on directors’ pensions, exploring the full value of pensions investments for directors and owner managers. For owners and directors of small businesses a pension may seem like a luxury impossible to afford. Company owners often overlook the significant benefits available through Small Self-Administered Schem....

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Are you safe from IR35?

Thursday August 9, 2012 at 9:00am

Over the years contractors have often set up limited companies to reduce the amount of tax they pay. Recent publicity about civil servants and BBC personnel has brought the focus back on to the rules which determine whether personal service companies, limited companies or partnerships provide protection from the IR35 rules intended to prevent the avoidance of tax and National Insurance Contributions (NICs). HMRC recently published new guidance designed to help contractors self-assess their possi....

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Making the most of your pension investment

Thursday August 2, 2012 at 10:00am

Andy Parker was invited to contribute to a new book being produced by the Institute of Directors, to be published later in 2012. Here’s a sneak preview of his Chapter focusing on the importance of taking a proactive approach to your pension investment strategy. Given the turbulence in UK and international markets over the past 10 years you’d be forgiven for being cynical about investment, Stock Market returns and the advice you might be given on your pension investment strategy. C....

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Blog Posts: August 2012