Last month I posted an article on my training for the Coast to Coast (C2C) cycle ride. I’m pleased to report our team managed to conquer the ride last weekend despite atrocious weather. We set off enthusiastically from Fernwood House on Friday morning loaded with enough fruit, water and chocolate […]
Category Archives: Blog
15
Aug
Aug
HMRC will NEVER EVER send you an email or ring you to tell you that you are entitled to a tax refund. That is fact. In the last week we have seen two different examples of scam emails pretending to be from HMRC saying a tax refund is waiting and […]
Blog, Budget, Family, Financial Planning, Personal Finance, Wealth
Financial planning for University – “Today playgroup, tomorrow university”
13
Aug
Aug
Someone said this to me about 18 years ago when their daughter, a similar age to mine, had just started playgroup. This mother, so upset about losing the company of her toddler, not long after started to home-school – successfully, huge admiration. At the same point, I practically jogged to […]
07
Aug
Aug
Here at Robson Laidler we have a strong focus on giving something back to the community. We have regular charity fund raising activities as well as volunteering opportunities. I’ll be honest I often ignore the requests for help with this or that charity effort but when someone suggested a charity […]
05
Aug
Aug
I agreed at the start of the year that I would join the rest of the team at Robson Laidler in running for our charity of the year – Freeman Heart and Lung Transplant Association. I’ve done a couple of half marathon’s before, the GNR in 2010 and the Sunderland […]
15
Jul
Jul
A dividend is a payment from a limited company to the shareholders. There are some rules about when and how much the company can pay. Rule 1 – There must be sufficient reserves available to distribute. Put simply, the company has more assets than liabilities. If you have accounting software, […]
08
Jul
Jul
A lot of people ask if they should incorporate – (start to trade through a ‘limited company’ rather than a sole trade or partnership). I can’t stress enough the importance and value you will have from a proper consultation with a qualified accountant or tax specialist to make sure everything […]
Blog, Family, Financial Planning, Pensions, Personal Finance, Retirement, Tax, Taxable Benefits, Wealth
Self employed millennials heading for a rocky retirement
04
Jul
Jul
Recent research from Fidelity suggest that those who are self employed between the ages of 23 and 38 (millennials) are not saving enough for retirement. Two in three young self-employed workers surveyed by the investment firm and pension provider said they had no pension savings whatsoever, with nearly three-quarters of […]
Blog, Family, Financial Planning, Later Life, Pensions, Personal Finance, Retirement, Wealth
Later Life Care – a financial time bomb?
02
Jul
Jul
Local authorities are cash strapped – fact. The Dilnot Report capping the cost of Later Life Care fees keeps being delayed. Something has to be done to address this. The Pensions Policy Institute (PPI) has published ‘Care in later life: incentives to use assets to pay for care’ sponsored by […]
Blog, Family, Financial Planning, Investments, Pensions, Personal Finance, Retirement, Wealth
Future proof your lifestyle
27
Jun
Jun
It feels like there’s a lot of uncertainty about at the moment – whether it’s Brexit or our next PM or the state of the economy. It may be concern about climate change, job security, lifestyle. Although these things seem big and out of our control there are steps we […]