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  • HABM Consultancy
    Leading UK Business Consultancy Service, specialising in Marketing Analysis and development stratagies, Financial and Business rescue.
  • Steve Hall Photography
    I am a freelance photographer specializing in Public-Relations Photography, Editorial/News Photography, Corporate, Music and Conferences. I am close to the towns of Doncaster, Rotherham, Barnsley and Sheffield in South Yorkshire, while also only 5 minutes from the motorway network.
  • Smith Kennedy Ltd
  • Arch House Deli
    Arch House Deli - Multi award winning Bristol Deli supplying gourmet food including cheeses, charcuterie, cakes, hampers, wine, corporate gifts, antipasti, picnics hampers and luxury chocolates. Customers and food lovers agree whether it’s a lunch-time salad box, slice of home-made cake with your afternoon tea, or all your charcuterie, cheese and wine needs for a dinner party, Arch House Delicatessen is the place to visit.
  • A C JARVIS
    building and property maintenance work
  • RRA Architects
    RRA Architects was formed in 1986 and has developed a reputation as a highly innovative architectural practice. It has built its reputation on producing first class design solutions across a spectrum of building sectors including retail, mixed use development, residential, corporate, hotels, ecclesiastical, conservation, educational and health care.
  • CT Construction
    Builders In Lincoln
  • Umbrella Detective
    Umbrella company directory for contractors and recruitment agencies - www.umbrelladetective.com
  • FCD First Contact Driving
    FCD is a Professional Driver Training School offering Driver training in all categories of vehicles from Cars right through to Articulated Lorrys. So whether you require car and Trailer lessons for your B+E Trailer Training or C+E for your Truck and Trailer Training, you know your in the best hands. All of our Professional HGV Trainers are at your disposal, their expert knowledge and use of the road will save you both time and money. By using advanced driver Training techniques, your lessons will be conducted in the mosy efficient and cost effective manner.
  • Continua
    Continua is the UK’s leading service provider for ‘Print to Post’ production equipment. Delivering a multi-vendor maintenance service 24x7 nationwide, Continua specialises in servicing Xerox, IBM, Oce and Kodak production printers, Pitney Bowes, Kern, Bell Howell, Bowe, Kalmar and Buhrs mailing equipment and a spectrum of ancillary paper handling equipment including Stralfors, Orion, Hunkeler and many many more.

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  • World News: French hostages 'freed in Darfur'
    Two French hostages seized in the Central African Republic in November have been freed, the French foreign minister says.
  • Front Page News: French hostages 'freed in Darfur'
    Two French hostages seized in the Central African Republic in November have been freed, the French foreign minister says.
  • Front Page News: PM Maliki extends Iraqi poll lead
    Iraqi PM Nouri Maliki's bloc strengthens its lead over its main rivals with partial election results now in from all 18 provinces.
  • Front Page News: 'I did not help cover-up' - Brady
    The Catholic primate of Ireland says he did not assist in covering up investigations into sexual abuse in the 1970s.
  • Business Links: CT Construction
    Builders In Lincoln
  • Business Links: Umbrella Detective
    Umbrella company directory for contractors and recruitment agencies - www.umbrelladetective.com
  • Business Links: Continua
    Continua is the UK’s leading service provider for ‘Print to Post’ production equipment. Delivering a multi-vendor maintenance service 24x7 nationwide, Continua specialises in servicing Xerox, IBM, Oce and Kodak production printers, Pitney Bowes, Kern, Bell Howell, Bowe, Kalmar and Buhrs mailing equipment and a spectrum of ancillary paper handling equipment including Stralfors, Orion, Hunkeler and many many more.
  • Business Links: Steve Hall Photography
    I am a freelance photographer specializing in Public-Relations Photography, Editorial/News Photography, Corporate, Music and Conferences. I am close to the towns of Doncaster, Rotherham, Barnsley and Sheffield in South Yorkshire, while also only 5 minutes from the motorway network.
  • Business Links: FCD First Contact Driving
    FCD is a Professional Driver Training School offering Driver training in all categories of vehicles from Cars right through to Articulated Lorrys. So whether you require car and Trailer lessons for your B+E Trailer Training or C+E for your Truck and Trailer Training, you know your in the best hands. All of our Professional HGV Trainers are at your disposal, their expert knowledge and use of the road will save you both time and money. By using advanced driver Training techniques, your lessons will be conducted in the mosy efficient and cost effective manner.
  • Business Links: Smith Kennedy Ltd
  • Business Links: HABM Consultancy
    Leading UK Business Consultancy Service, specialising in Marketing Analysis and development stratagies, Financial and Business rescue.
  • Business Links: A C JARVIS
    building and property maintenance work
  • Business Links: Arch House Deli
    Arch House Deli - Multi award winning Bristol Deli supplying gourmet food including cheeses, charcuterie, cakes, hampers, wine, corporate gifts, antipasti, picnics hampers and luxury chocolates. Customers and food lovers agree whether it’s a lunch-time salad box, slice of home-made cake with your afternoon tea, or all your charcuterie, cheese and wine needs for a dinner party, Arch House Delicatessen is the place to visit.
  • Business Links: RRA Architects
    RRA Architects was formed in 1986 and has developed a reputation as a highly innovative architectural practice. It has built its reputation on producing first class design solutions across a spectrum of building sectors including retail, mixed use development, residential, corporate, hotels, ecclesiastical, conservation, educational and health care.
  • Front Page News: Selection row MP vows to fight on
    A Labour MP caught up in a reselection dispute is fighting claims from local party members she is not up to the job.
  • Front Page News: In pictures
    Bikers roar their appreciation of Wootton Bassett
  • Business News: Print baron
    A start-up that lets anyone make their own newspaper
  • Front Page News: Girl's memorial sculpture stolen
    A statue dedicated to a teenager killed in a car crash is stolen from the grounds of her school in Essex.
  • Front Page News: Prison officers stabbed by inmate
    Three prison officers are stabbed with a broken bottle by an inmate at Durham's high-security Frankland jail.
  • Front Page News: Obama aide stokes US-Israel row
    A top Obama adviser criticises Israel over settlement homes in East Jerusalem, thwarting Israeli hopes of ending the row.

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  • One Bedroom Flat £500 pcm
    One Bedroom Flat £500 pcm

    A first floor 1 bedroom flat in a purpose built block. The property benefits from entrance hall, lounge, double bedroom with fitted wardrobes and separate kitchen with electric cooker, fridge and washer/dryer. The property has economy 7 heating and ample parking. Unfurnished

  • High Wycombe, Bucks, Buckinghamshire, HP12 £650 p.c.m.
    High Wycombe, Bucks, Buckinghamshire, HP12 £650 p.c.m.

    2 double bedroom split level apartment within walking distance of the town centre. Lounge, kitchen, master bedroom with ensuite. Security entry. Allocated parking. Flexible furnishing

    Contact Hurst - High Wycombe on
    Tel: 01494 537800

    Wingrove Rentals
    Tel: 01494 440095

  • One Bedroom Flat £600 pcm incs High Wycombe
    One Bedroom Flat £600 pcm incs High Wycombe

    A one bedroom, ground floor maisonette situated on the
    south west side of High Wycombe. The property
    comprises of a double bedroom, fitted kitchen, lounge,
    separate wc and shower room. The property is also
    has communal gardens and gas central heating.
    RENT INCLUDES COUNCIL TAX AND WATER RATES Furnished

    Refs Deeds Grove Hurst Estate Agents 01494 537800

    Wingrove Rentals 01494 440095

  • ACCOMMODATION HIGH WYCOMBE BUCKS Bedsit Suit Single Professional Person. High Wycombe, Bucks From £300
    ACCOMMODATION HIGH WYCOMBE BUCKS Bedsit Suit Single Professional Person. High Wycombe, Bucks From £300

    Bedsits Suit Single Professional Person. High Wycombe, Bucks From £300

    Own Kitchen.Near Centre, includes Council Tax and Water Rates. Parking available.

    Tel 01494 527046

  • Clifton Lodge Hotel (Hotel Accommodation)
    Clifton Lodge Hotel (Hotel Accommodation)

    210 West Wycombe Road,
    High Wycombe,
    Buckinghamshire,HP12 3AR
    Telephone 01494 440095

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PostHeaderIcon SAVINGS AND INVESTMENTS

Investments in the downturn     
     


– SAVINGS AND INVESTMENTS
David Baker, Senior Manager, Financial Planning, Mazars LLP, Oxford

Top ten tips on savings and investments in the downturn are as follows:

1. Check interest rates on savings, especially regular savings accounts. The disparity between the best and worst rates is significant, especially on regular savings where you can now achieve up to 10% gross return, rates we have not witnessed for a number of years.

2. Make use of tax-free allowances. Individual savings accounts provide attractive cash rates tax free. National savings, especially index-linked savings, are increasingly attractive against a background of rising food and energy costs.

3. Maximise tax allowances. Many households have a main breadwinner who may be a higher rate taxpayer with the partner being either a basic or non-taxpayer. Ensure that savings and investments that are not tax free are in the name of the lower-taxpaying individual.

4. Ensure that your age allowance is optimised. If you are over 65 you get an additional personal allowance, which can be eroded by investment income if this takes your total income over £21,800. Capital investment bonds can provide a source of funds without affecting your age allowance.

5. Do not forget the longer term. Continue to invest in pensions as, depending on your tax rate, you will receive either an additional 20% or 40% tax relief on the investment, making these highly attractive longer term options. As you can invest in cash funds, there is no need to take any investment risk. We do not want this downturn to have an impact on long-term planning if possible.

6. Diversify your investment. Do not invest in one asset class; for example, do not have all your funds invested in cash or all your funds invested in shares. Consider a combination with fixed interest investments, alternative investments and property. Diversification reduces risk and protects your overall portfolio in such difficult times.

7. Investment risk. What investment risk have you taken? Is the risk you are taking still relevant to your requirements? Can you meet your needs by taking less risk? For example, why invest in equities if your needs can be met by cash returns? Ensure that you are taking no more risk than needed to meet your specific requirements.

8. Monitor your investments both in terms of performance and charges. Increased charges on contracts directly affect the performance. Ensure that your investments have a competitively charged structure.

9. Consider your debt. A debt could be considered as simply a negative saving or investment. What rates are you paying on mortgages, credit cards, store cards etc? Can they be improved upon? Can they be consolidated to pay one lesser cost on a monthly basis?

10. Income protection/mortgage protection policies. Although not directly savings or investments they do protect against the erosion of such assets should your employment circumstances be at risk during a downturn period.

Remember that during a period of economic downturn, this can be the perfect opportunity to buy investments when the market and consequently prices are low.

Always take professional and independent advice on any area of financial planning.

 
Clifton Lodge Hotel

210 West Wycombe Road
High Wycombe
Bucks
HP12 3AR
01494 440095

http://www.cliftonlodgehotel.com

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