Commercial property is an important asset class to consider as a way of spreading or diversifying risk in a portfolio. Generally, property isn’t highly correlated to other assets classes such as cash, fixed income (bonds and gilts) and equities. If you would like to know more, RfM can provide an introduction to a specialist in commercial property investments.
Writing a Will is one of those tasks that everyone knows they need to do, but nobody really wants to. That’s because we’d much rather devote our time to thinking about living our lives, rather than what happens after we are gone. We aim to make the experience of writing your Will an easy and comfortable one, so you don’t need to put it off any longer.
For fans of motorsports, a day at the Goodwood Festival of Speed is an exciting opportunity to see legendary racing cars and exceptional drivers – and to get their adrenaline fix for the year. For long-standing RfM client, Paul Andrew and his son Tom, this year’s event is going to be even more memorable.
Finding a mortgage deal when you’re self-employed can be tricky. As many as 71% of self-employed people said they felt discriminated against due to their employment status when applying for a mortgage, according to a recent survey by The Mortgage Lender. But, yes, it is possible to get a mortgage even if you have only been trading for a short time.
Writing a Will is your opportunity to let your loved ones know what you would like to happen to your worldly goods when you die. However, there a number of common mistakes that could lead to your wishes not being carried out correctly.
Auto-enrolment: ‘As an employer, you provide the teabags … but you’re also responsible for providing a workplace pension.’
Article 50 was triggered on 29 March 2017 and the UK will officially leave the EU on 29 March 2019. Beyond that, all we really know about Brexit is that it’s a little word with big consequences and a lot of uncertainty.
20% of small businesses regularly experience cashflow problems because their bills are paid late – a situation the government described as the ‘scourge of late payment’ in this year’s Spring Statement. There is a government consultation in the pipeline and in December 2017 a new service was launched to help.
If income tax is a consideration when choosing a company vehicle, it could be worth your while to choose a company van rather than a car. This applies to vehicles for company directors, who are also treated as company employees. A recent tax case highlights the differences in how cars and vans are defined for tax purposes.
By now, you will have no doubt heard about GDPR, the new data protection rules that came into force on 25 May. Since this date, any organisation which stores and uses personal data must comply with the new, stricter regulations. Here’s what you should know.
Bitcoin has been making the headlines as more people have sought to make money through buying and selling this new ‘cryptocurrency’. But what is bitcoin? Should you be thinking of investing? And what do HMRC make of it?
The Open Banking Implementation Entity (OBIE) invites you to ‘Manage, move and make more of your money’. But what does ‘Open Banking’ actually mean for the customers of the UK’s largest banks.
The rules on tax-deductible expenses for the self-employed, state that any costs must be incurred ‘wholly and exclusively’ for the purpose of the business. When paying family members, to qualify for tax relief there must be no indication that the money was paid for a dual purpose. A recent tax tribunal case illustrates how easy it is to make an error, and we explain how to get it right.
Investment in Research & Development is key to economic success and the government has introduced a number of incentives to support businesses that innovate, create and invent. At RfM, we share this view, and are committed to helping eligible clients offset the cost of R&D activity with additional reliefs and R&D tax credits.
If making a Will is something you keep meaning to do but haven’t got around to, we can’t stress the importance of moving it up your ‘to do’ list.