June 11, 2017

Ask your Finance Director to tell you what amount you spend on electricity each month. If it comes to more than £100,000 there is something you can do to put around £70,000 straight back on to the bottom line, with out any capital outlay.

LED lighting is significantly more efficient than conventional lamps. If you consider that for most conventional businesses around 80 to 90% of their electric bills relate to lighting then you will understand the opportunity. The process is not disruptive and most refits can be done in one or two days. LED lamps produce on average savings of between 50 and 70% compared with conventional lighting.

It does not have to be...

June 11, 2017

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If you reflect on the considerable tax advantages of approved pension plans you will appreciate the tax deductibility of your contributions, the income tax and capital gains tax free growth of the fund as well as it's inheritance tax free status. Approximately a quarter of the accumulated fund can be taken as a tax free benefit on retirement with the remainder of the benefits being taxable at your your normal tax rate. Starting from that position, it might seem impossible to find a longterm savings plan without the benefit of the approved status that can provide comparable benefits and yet there are compelling alternatives. One such alternative, and...

June 11, 2017

The election campaign has made the public more aware of this terrible unfairness, and the realisation that families up and down the country are being forced to sell their homes and part with a lifetime of savings to pay for essential care.

The public outcry, demonstrated at the ballot box, highlighted the strength of feeling and it is likely that over time more sensible and fair policies will be adopted. The problem however exists now, yet there are simple steps that every family should consider, to protect protect themselves and their lifetime savings.

First and foremost making a Will, while you still have full mental capacity  is fundamental to express...

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