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Where can you get a 40% return on your money, guaranteed?

It’s investment time! Traditionally the period before the end of the tax year at the beginning of April is the season for everyone to top up their annual tax-free allowances. But with the stock market in the doldrums (guess why, begins with B) the prospect of shares isn’t very enticing. Wouldn’t it ...
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Have I got my head in the clouds over clutter?

I hate clutter. I’m a regular at the local tip and periodically donate piles of paperbacks/toys and clothes to charity. The downside is, of course, that I later wish I still had something I’ve given away and end up buying it again: this happens fairly regularly with books. I also chuck paperwork. An...
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Why YOU could be missing out on tax giveaways

Paying tax is annoying. Paying more tax than you need to is really annoying. Honestly, it’s easy to save tax: it’s usually a question of a quick emailed form. Here are some breaks you might not be claiming – and why you and your family should. 1. Granny’s own tax break . This is not a discount on We...
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Code breaking: what does your tax code mean?

I always open brown envelopes from HMRC expecting the worse. This morning I got my tax code notice for the 2018-19 tax year. Your tax code is important because it’s used by your employer(s) and/or pension providers to work out how much tax to take off your pay or pension – so if it’s wrong you could...
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Why civil partnerships should be extended to mixed sex couples: it’s all about tax and benefits

St Valentine’s Day is probably not a big event in your diary (though your teenager might feel differently). But, frankly, if you are living together in unwedded bliss and your beloved pops the question today, then say yes: if for no other reason than being married means you get tax and benefits brea...
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What the Budget means for you and your family

We’ve crunched the figures to bring busy mums the edited highlights of the Budget and how you’ll be affected. 1. Maybe not for you but for your offspring: with immediate effect stamp duty has been abolished for first-time buyers buying properties for £300,000 or less – and the first £300,000 of prop...
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Why can’t I find cheaper car insurance?

Why, oh why, has my car insurance gone up by a massive £95.20? I’ve had no accidents, we’ve not moved house – everything is the same as last year. There seems to be no good reason to whack up my premium by over 40%. I am outraged. I should have a loyalty bonus for sticking with Churchill, not a pena...
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How to transfer a child trust fund (CTF) to Jisa with a double scoop of tax allowance

Isn’t it beautiful weather? It seems winter is finally over and holidays are within sight. Even the end of the tax year is approaching - what more could you want, except a glass of aperol spritz in the sunshine? By now, everyone has tucked away all their Isas and pensions and whatnot to make maximum...
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Nothing is certain except Drake and taxes

Have you ever wondered what kind of person submits their tax return on Christmas day? There’s a few thousand of them. Haven’t they got any friends or family to celebrate with? Are they such incredible multi-taskers that they can roast the turkey and file the figures? Or so time-starved that it’s the...
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