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  • Umbrella Detective
    Umbrella company directory for contractors and recruitment agencies - www.umbrelladetective.com
  • Smith Kennedy Ltd
  • A C JARVIS
    building and property maintenance work
  • 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.
  • CT Construction
    Builders In Lincoln
  • HABM Consultancy
    Leading UK Business Consultancy Service, specialising in Marketing Analysis and development stratagies, Financial and Business rescue.
  • 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.
  • 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.
  • 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.
  • Gavin Woollard Photography
    Gavin is one of the countries top wedding photographers having won first and second place in the wedding photographer of the year 2009 for the London and Essex region of both professional organisations.he remembers first and foremost ' you want a wedding , not a photo shoot '.

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  • Front Page News: Apology for women raped by father
    Two women raped by their father over 25 years - bearing nine of his children - are given an apology by authorities.
  • Business News: Warning on packaged bank accounts
    Bank accounts which charge fees for extra benefits such as insurance may be being mis-sold, the Financial Services Authority has warned.
  • Business News: Banks face harsher stress tests
    Further stress-testing of UK banks will take place to ensure they can survive a 'double-dip' recession, regulators say.
  • Front Page News: Biden steps up pressure on Israel
    The US vice-president renews criticism of Israel over an East Jerusalem building project and urges bold steps to peace.
  • Business News: BA strike action talks continuing
    Talks aimed at averting strike action by BA cabin crew are continuing at the TUC, after a deadline was extended.
  • Protect The Human: Action for Change 2010

    read more

  • Front Page News: Body found in missing mother hunt
    Police searching for a Dundee mother who went missing two weeks ago say they have found a body.
  • Front Page News: Kidnapped boy's father back in UK
    The father of a British boy kidnapped in Pakistan has returned home against police wishes, the BBC learns.
  • Business Links: Gavin Woollard Photography
    Gavin is one of the countries top wedding photographers having won first and second place in the wedding photographer of the year 2009 for the London and Essex region of both professional organisations.he remembers first and foremost ' you want a wedding , not a photo shoot '.
  • 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: HABM Consultancy
    Leading UK Business Consultancy Service, specialising in Marketing Analysis and development stratagies, Financial and Business rescue.
  • Business Links: CT Construction
    Builders In Lincoln
  • 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.
  • 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: Umbrella Detective
    Umbrella company directory for contractors and recruitment agencies - www.umbrelladetective.com
  • Business Links: Smith Kennedy Ltd
  • 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: A C JARVIS
    building and property maintenance work
  • Front Page News: 150 Toyota jobs to go on Deeside
    Around 150 jobs will go at the Toyota plant on Deeside, Flintshire, as part of 750 posts going across the UK.
  • Front Page News: Beckham plots Old Trafford upset
    David Beckham believes his AC Milan side can overturn a 3-2 deficit and send his former club Manchester United crashing out of the Champions League.

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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

PostHeaderIcon Oxfordshire Magazines

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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