Financial Planning

Personal Finance Questions - April 2009

In this new feature we will answer some of the many questions we have been receiving from visitors to shrewdcookie.com. It is often said that if you ask a question chances are that many other people also want to ask that very same question. Although we receive a large number of personal questions we have to remind you that we do not give financial advice... [Read more of this review]

Top 10 Articles - April 2009

The following is a list of the Top 10 articles visited in April 2009: - 1. New Tax Year - New ISA Allowance The start of the new tax year on 6th April 2009 marked the opportunity for another tranche of money to be invested in a tax-efficient manner in an ISA. 2. Change in ISA Allowance - Budget 2009 In his recent Budget, the Chancellor of the Exchequer... [Read more of this review]

Budget 2009 - The Key Changes

Alistair Darling, Chancellor of the Exchequer presented his Budget for 2009 last week and below are the main points and changes contained in the Budget: The Economy Whilst the economy is expected to shrink by 2.5% during 2009, the Chancellor indicated that there was the expectation that the economy would grow next year, 2010, by 1.25%. I our opinion... [Read more of this review]

Deflation - it’s official!

What is Deflation? A deflationary climate has returned to Britain for the first time in nearly 50 years. The Retail Prices Index (RPI) measures a theoretical basket of goods and compares changes in the price of the whole basket over time. For the first time in five decades RPI was lower over a 12 month period. In March 2009 RPI was 0.4% lower than 12... [Read more of this review]

10 Great Reasons to Write a Will

In our previous article we considered the basics of will writing, setting out the key people involved in the writing and execution of a Will. In this article we will consider the REAL benefits to be enjoyed from ensuring you have a properly written Will. 10 Great Reasons Why You Should Write a Will 1. To allocate assets between different people. You... [Read more of this review]

Will Writing - an introduction

Why you need a Will There are many reasons why it is prudent from a personal, as well family perspective, to ensure you have a suitably worded Will in place - and Will Planning is not just for old people either! What is a Will? A Will is your written instruction which formalises what is to happen with your estate, and your children, after death. It... [Read more of this review]

Cashflow Forecasting - planning income and expenditure

Introduction Historically, cashflow forecasting was a method used by business owners, managers and accountants to analyse income and expenditure over a set period of time. By analysing inflows and outflows of cash for each period, e.g. each month, they were able to see what strains they would have on cash at any one time - e.g. was there any particular... [Read more of this review]

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