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Falling on Hardy times

Some might think the disincentivising effect of pension credit on saving for retirement is a new phenomenon. But no – it seems the same issue abounded in Hardy’s 19th Century Wessex, as revealed from this excerpt from Tess of the d’Urbervilles. Some things never change.

“The staple conversation on the farms around was on the uselessness of saving money; and smock-frocked arithmeticians, leaning on their ploughs or hoes, would enter into calculations of great nicety to prove that parish relief was a fuller provision for old age than saving out of their wages during a whole lifetime.”


To Sipp or not to Sipp, can we keep it in the family??

Many people have been reading the plethora of comment extolling the virtues of self-invested personal pensions. Mr Brown clearly had other more pressing issues to talk about and so the concept of the “family Sipp” did not appear at the despatch box.

IHT threshold to rise to 300,000 in 3 years

The inheritance tax threshold will be raised from 263,000 to 275,000 this year, rising to 285,000 next year and 300,000 the year after, said Chancellor Gordon Brown in his Budget speech today.He said 94 per cent of UK estates will not be liable for IHT. Rates will be frozen on capital gains tax, corporate taxation […]


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