About 1st Financial Foundations
Click to read article #67 

Take a look at your tax?

Are you paying more than you really need to?

An economic slowdown could have considerable implications for most people’s taxes. Whatever your position, now is an excellent opportunity to take a look at your tax.

In some instances, people may be obli...

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Click to read article #68 

Surprise interest rate reductions

Lowest levels for over 50 years

Interest rates were cut to their lowest level in over 50 years on Thursday 6 November when the Bank of England cut its official rate by 1.5 percentage points to 3 per cent, a cut three times larger than any seen since the Bank’s Monetary Po...

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Click to read article #69 

Corporate matters

Cost-effective solutions for today’s challenging business environment

Implementing a successful employee benefits package should not only enable your business to meet its legal obligations in respect of making pension schemes available, it could also help to increase your successes when ...

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Click to read article #70 

Saver disadvantaged by lower interest rates

In general, savings rates are now lower compared with last year

It’s an unfortunate fact that any interest rate cuts, although welcome news for borrowers and the business community, are the curse of savers, many of whom have been disadvantaged by higher rates of...

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Click to read article #72 

Getting your finances in shape

Have you considered the potential effects of a recession?

From declining financial markets to a troubled and crisis-ridden housing sector, we are being continually bombarded by a plethora of news stories and media coverage about the state of the UK’s financial health. In tim...

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Click to read article #73 

Protecting your lifestyle

Covering the costs that result from a serious illness
Critical illness insurance can help you and your family cover the costs that may result from a serious illness, including medical expenses, moving house and protecting your business. You receive a tax-free lump sum if you are diagno...

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Click to read article #74 

Wrapping assets in a SIPP

A solution for your specific requirements and financial objectives?

Unlike a traditional personal pension, a Self-Invested Personal Pension (SIPP) may offer for appropriate investor’s far greater flexibility in terms of the assets that can be held within its wrapper. A SIPP enabl...

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Click to read article #75 

Holding out for an early retirement

But have you made the necessary arrangements?

It is estimated that there are nearly two and half million of us, which equates to 7 per cent of the adult population who envisage retiring before we reach the age of 50, even though many of us have made no retirement provision wh...

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Click to read article #76 

Savings compensation scheme

How safe is your money?

If you have a savings or current account with a UK-based institution, up to £50,000 of your cash is protected through the Financial Services Compensation Scheme (FSCS) from 7 October 2008. If the institution collapses, you will be entitled to claim back ...

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Click to read article #77 

Estate Planning

Don’t leave your heirs facing an unexpected tax bill
An increasing number of households could be at risk of paying inheritance tax (IHT). The 40 per cent tax charge is payable on the value of an estate over the nil-rate band threshold, £312,000 for an individual and £624,000 for...

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Newsletter issue #17

1st Financial Foundations is a trading name of 1st Financial Services (London) Limited which is authorised and regulated by the Financial Services Authority (FSA No: 454529)