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You are here: Home / Archives for Richard Stokes

by Richard Stokes

Looking for investment returns with low risks

Fed up of disappointing savings rates? Want a safe place to invest? Improve your chances of making money without the risk By Richard Stokes, Independent Financial Adviser Savings rates are generally poor and have been for the last few years. So … [Read more...]

Filed Under: Uncategorized Tagged With: FTSE 100 investment, good return on Investments, guaranteed investment return, Investec investment options, investment returns with low risks, low risk funds, low risks investments, real return investment, safe investment options, safe place to invest money, safe stocks to invest in

by Richard Stokes

High net worth insurance

When it comes to high net worth home insurance look beyond the sales gimmicks Getting home insurance for high net worth properties is an essential part of managing risk and when it comes to finding a suitable cover it is essential that you partner … [Read more...]

Filed Under: Home Insurance Tagged With: Buildings and Contents high networth, Finchley home insurance, High net worth insurance Bayswater, home insurance in Kensington, home insurance in Knightsbridge, home insurance inVictoria, Home insurance SW1, home insurnace Cover from £1 Million to £15 Million

by Richard Stokes

High-value home insurance

High-value home insurance buildings and contents for UK  properties over a million pounds Before I wrote this article I typed in Google ‘high-value home insurance’ and I was inundated with lots of adverts and links on all or claiming that they had … [Read more...]

Filed Under: Home Insurance Tagged With: buildings and contents hight end, high-value home insurance, hight value buildings and contents, home insurance properties over a million pounds, insurance millions pounds house

by Richard Stokes

Insurance costs to go up after the EU gender directive

home insurance

The cost of protecting your family and belongings is set to rise after 21 December 2012 For quite a number of years life insurance costs have been actually going down for many and one of the biggest beneficiaries have been women in general as … [Read more...]

Filed Under: Life Insurance Tagged With: 21 December 2012 insurance, cost of protecting your family, EU gender directive, EU gender directive explained, EU gender directive wants does it mean, insurance comparison sites, Insurance costs to go, insurances for women after december, is life insurance cheaper for women, life insurance costs, Life insurance premiums

by Richard Stokes

Will I Get Tax Relief On My Pension Contributions

Do I qualify for tax rebate on what I’m paying into my pension? There are two main criteria when assessing whether you will qualify for tax relief on your pension contributions: Whether you are considered to be a ‘relevant UK person’ How much … [Read more...]

Filed Under: Uncategorized Tagged With: Can I contribute into a pension for someone else, Can I contribute into more than one pension, contribute into a pension, criteria for pension tax relief, How Much Can Contribute Into A Pension, pension advice, pension gross payments, pension questions, pension tax relief is cappped, relevant UK person’ for pension purposes, tax rebate on pension, Tax Relief On Pensions

by Richard Stokes

Personal Pension advice for self employed business owners

Self invested personal pensions (SIPPs)

Getting the right pension advice is key if your self employed want to plan for your retirement in the right way. If you are self employed I should imagine you do not have time to trawl through pension brochures and their small print, and dare I say … [Read more...]

Filed Under: Uncategorized Tagged With: Basic State pension rate, benefit of a Pension Plan, Financial Advisor pension advice, free pension advice, How much will a pension cost me, minimum pension contribution, National Savings Employment Trust scheme, NEST pension, pension advice, pension for limited company, pension for sole traders, Personal Pension, personal pension advice, Retirement pension, self employed need a pension, self employed Pension, small business pension

by Richard Stokes

Stakeholder Pension

Richard Stokes niche advice

A stakeholder pension is effectively a low personal pension. The only way that a stakeholder pension differs from a personal pension is that a stakeholder pension has certain minimum standards that it needs to adhere to. For example, the charges … [Read more...]

Filed Under: Uncategorized Tagged With: example of a Stakeholder Pension payments, Minimum contribution levels for a Stakeholder pension, pension advice london, personal pension advice, Stakeholder Pension, Stakeholder personal pension, what is a stakeholder pension

by Richard Stokes

Tax Avoidance Schemes

Richard Stokes niche advice

Are you an IHT Planner or have you waited to the last minute? Tax Avoidance Schemes hit the headlines last week as two high profile stars Messer’s Jimmy Carr and Gary Barlow got caught up public fury. The general consensus against the low (virtual … [Read more...]

Filed Under: Inheritance Tax Tagged With: Business Property Relief, gifting assets, IFA london IHT Planning, IHT avoidance, IHT mitigation, IHT Planner, IHT Solutions, IHT tax planners, inheritance tax advice, inheritance tax avoidance, inheritance tax exemptions, inheritance tax planning, inheritance tax rules, London IHT Estate planner, london inheritance tax, Tax Avoidance Schemes, tax avoidance tips, tax avoidance uk, whole of life insurance, whole of life plan

by Richard Stokes

How to avoid inheritance tax

remortgage in london

Reduce Your Inheritance Tax liability by getting the right advice. Although this article is titled “How to avoid inheritance tax” this is merely for marketing purposes and actual terminology is should be “How can you mitigate your Inheritance Tax … [Read more...]

Filed Under: Inheritance Tax Tagged With: avoid inheritance tax, gift, gifts to childre for their education and maintenan, IHT exemption, IHT tax, inheritance, inheritance tax planning, When is a ‘gift’ a ‘gift for tax purposes?

by Richard Stokes

Don’t be fooled by lender’s Mortgage Decision in Principle Acceptance

mortgage advice phone line

Have they said NO after giving you a Mortgage Decision in Principle. We really can help. No large call centres here direct access to partners Totally Independent not tied to banks or agents No Upfront fees. Pay only on completion … [Read more...]

Filed Under: Mortgages Tagged With: agreement in principle, been accepted for a mortgage, Decision in Principle, Decision-In-Principle certificate, honest mortgage advice, Mortgage Decision in Principle, mortgage offer

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