Tag Archives: Independent Financial Adviser Newbury Berkshire

The UK savings ratio is currently in the news – a record low of 1.7% of disposable income as against an average of almost 10% for the last 50 years. Warning bells are sounding! So how much are you actually saving for retirement? Is it enough? Simply paying into your savings or into your pension…

When HMRC claims not to have received your Tax Return or other important document and you appeal against HMRC’s penalty notice, you are required to have a ‘reasonable excuse’ which existed for the whole period of the default. There is no definition in law of reasonable excuse, which is a matter to be considered in…