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Thursday, 29 September 2016 18:05

Unsecured Loans

Never a better time while rates are at an all time low.

money20s

APPLY NOW FOR A QUICK, NO FUSS, NO UPFRONT FEE LOAN

Minimum age 18 .

All applicants should show on Voter’s Roll (Exception considered)

Income – you must be able to comfortably meet the repayments of this new loan, plus your normal bills and expenses etc.

Current bank account that accepts standing orders. (we are not doorstep collections)

Loans amounts from £1,000 to unlimited depending on your case.

Repayment period best for you.

Prepared to accept Defaults/ CCJ’s, & Benefits.

 

 

UNSECURED LOANS

Tel. 0737 5598 805

    Open 9.00 am – 9.00 pm 7 DAYS    

Rough Example borrow £1,000 over

24 months = £45.68 per month 

Total payback @ 9% APR = £ 1096.43

 

 

The actual rate available will depend upon your circumstances & credit history: Written Details on Request: We do not charge any upfront fees

 

If for any reason, you do not FULLY meet these requirements, then still contact us, as we may be able to help via a different plan and companies.

 

Wednesday, 10 August 2016 17:47

Japanese Knotweed

 

japanese knotweed flowers 2This weed could wipe off £ thousands from your house value.

Fallopia Japonica is an synonym Raynoutia Japonica commonly known as Japanese Knotweed.

Some of us have heard of horror stories, of this weed with its tough bamboo stems, that can grow a meter in a month and can smash up your house foundations, collapse your drains, dislodge your brickwork, and spread like wild fire in your cavity walls, while looking for water. Causing structural damage & making your home unsalable.

If selling your property and you have Japanese Knotweed in your boundary then you have a duty to get it treated and inform the estate agents & solicitors of this fact.

Failing to inform could cause you a major headache & financial compensation loss even after the sale for “none disclosure”.

If buying not all property valuers are au fait with this weed, so check out the area and other adjoining gardens, ask the neighbours, contact the local council, if you are suspicious then seek a report, as the seller my not volunteer this information.

The weed has no respect for any one type of property, but it has been known to wipe off 20% - 40% of the property value, also bear in mind that lenders share information, and some may refuse to grant a mortgage, or until total eradication of the weed has taken place.

I read that in some parts of the UK, some councils are experimenting with insects to control this weed, while others are spraying, two three times as a set procedure. Simply hacking it down, does nothing neither does burning.

To eradicate this weed is NOT for the DIY person, you could end up spreading it, & then receive a heavy fine it’s a specialist’s job with an insurance back up.

You will find a lot of misleading information on the Webb, plus scaremongering & panic stories, but providing you take the correct precautions & seek professional advice with insurance then you should be fine.

japanese knotweed growth imageUseful contacts:

Natural England – Tel 0300 060 1112

Environment Agency (EA) Tel 0370 850 6506

Property Care Association (PCD) Tel 0844 375 4301

Royal Institution of Chartered Surveyors (RICS) Tel 024 7686 8555

Happy gardening.

 

 

 

double barrel2
What arrangements should I make for the orderly disposal of my firearms after my death, and how can my firearms cabinet be opened lawfully?

As a certificate holder, I am sure you will be well aware of Standard Condition 4(b), which applies to both shotgun and firearms certificates.

This requires you to store your firearms securely so as to prevent, so far as is reasonably practicable, access to them by an unauthorised person.

This prevents you from disclosing the whereabouts of the key to the gun cabinet to any person, such as your wife or next of kin.

Breach of this condition is a criminal offence.

(The exception would be if you and, for example, your son were “cross-certificated”.)

It is a good idea to give your executor a sealed envelope with a letter containing information about the security cabinet and its key.

The envelope should be clearly marked ’Not to be opened until after I die or become mentally incapacitated’.

A temporary permit may be granted to your executor or to one of your relatives by the chief constable (acting as the chief firearms licensing officer), which would enable the permit holder to dispose of your firearms.

He must do this in accordance with the terms of your will.

This matter needs to be done correctly, so as not to back fire (pardon the pun) on the Executors, Trustees.

 

Sunday, 17 July 2016 08:36

Been refused Building Insurance?

 largetwitter insurances2016 07 16nockick

Very often clients say, when ringing around for certain building insurance the compute says “No”

That may be for various reasons, living in a Flood area, having been flooded before, Unoccupied property, Property under construction/major refurbishment, Home office, High value households, Criminal conviction, Non-standard construction, Poor claims history.

We not only have access to cover the above examples, we also partner with Commercial insurance, like, Landlord cover on Buy to Lets, Retail shops, Trade & Contractors, Commercial property, Professional Indemnity, Office insurance.

Not only building cover but also contents insurance available.

We are a call or click away, for a fast friendly quote.

Call us now on 08432 084 519 or 07973 113 882

or to fill out our contact form click here

Sunday, 10 July 2016 09:07

ASSET RICH CASH POOR – Rent a Room

capital alliance financial services ltd tw logoIn my day to day conversations with clients, mainly the silver brigade I find them rattling around a house on their own, lonely and watching the pennies.

It’s a dark picture I am painting, but is often true and not just confined to the elderly, someone losing a partner, or just Billy no mates.

There is a GOV.UK site RENT A ROOM SCHEME-HS223 which may be of help for anyone (not a landlord) to rent out the spare room or whole floor depending on the size of your home.

And the cherry on top is providing the rent is less than £7,500 per annum from the 6th April 2016 then it is TAX FREE.

When can you NOT use the scheme if the accommodation is:

  • Not furnished

  • Not used as an office or business.

  • Whole of your home, rather than part of it

  • Or let it out while living abroad

You can charge more for the room, providing you are willing to pay tax on this unearned income over the threshold.

A retired doctor friend of mind lets a room each year to one nurse from a local hospital, she receives an income, tax free, has company, and someone to chat & have the occasional meal together its win win.

It goes without saying the reference need to be obtained, plus a meeting,( ask a close friend it sit in as well) and you must feel comfortable with this stranger, but with this scheme comes a very simply method if you don’t want them to stay any long,...just ask them to leave. It is not the long costly process like landlord & tenant contracts.

Much more informant can be obtained on the Gov.UK site, your local council, & Citizens Advice. Worth check it out, enjoy life.

 

 #lodgers #rentrooms #renttaxfree #rentaroomscheme

Thursday, 30 June 2016 17:46

Social Media, Home Burglary and Holidays

Not three words you would associate together unless you are a burglar.

One of the services we offer is home insurance, and an interesting fact came to light while having a meeting with an underwriter at an insurance company event.

You see one of the premises about home insurance is that you take all reasonable care to protect your property & dissuade the burglar.

So you having your phone location switched on, while 200 miles from home, is a good indication you’re not at home, likewise that selfie in the bar with the palm trees in the back ground is also a clue you are not home, and ripe pickings for those that want your goodies.

There is a murmur within the insurance industry that some claim adjusters are seriously looking not to pay out on a claim, if you have told the world you are not at home.

 

So please check with your insurance company, or better still switch off your location & careful with the selfies. Have a great holiday.

http://4finance.co.uk/insurances/buildings-contents.html

#burglar #houseinsuranse #contentsinsurance

Monday, 13 June 2016 08:44

ASSET RICH CASH POOR – Rent a Room

In my day to day conversations with clients, mainly the silver brigade I find them rattling around a house on their own, lonely and watching the pennies.

It’s a dark picture I am painting, but is often true and not just confined to the elderly, someone losing a partner, or just Billy no mates.

There is a GOV.UK site RENT A ROOM SCHEME-HS223 which may be of help for anyone (not a landlord) to rent out the spare room or whole floor depending on the size of your home.

And the cherry on top is providing the rent is less than £7,500 per annum from the 6th April 2016 then it is TAX FREE.

When can you NOT use the scheme if the accommodation is:

  • Not part of your main home

  • Not furnished

  • Not used as an office or business.

  • Whole of your home, rather than part of it

  • Or let it out while living abroad

You can charge more for the room, providing you are willing to pay tax on this unearned income over the threshold.

A retired doctor friend of mind lets a room each year to one nurse from a local hospital, she receives an income, tax free, has company, and someone to chat & have the occasional meal together its win win.

It goes without saying the reference need to be obtained, plus a meeting,( ask a close friend it sit in as well) and you must feel comfortable with this stranger, but with this scheme comes a very simply method if you don’t want them to stay any long,...just ask them to leave. It is not the long costly process like landlord & tenant contracts.

Much more informant can be obtained on the Gov.UK site, your local council, & Citizens Advice. Worth check it out, enjoy life.

 #lodgers #rentrooms #renttaxfree #rentaroomscheme

Those of us from a certain generation will remember TV programs like Tomorrows World, and the predictions that we will all be working less, and so much more leisure time on our hand, not sure about that one.
Another prediction was that we will all be working in the office environment that will be paperless. And it is true to say that some companies have achieved it, while many many more are struggling, big, small and one man band companies we still seem to need paper.
We all should know about Data Protection, and your responsibility to your clients/customers and keeping their personal details safe and secure, unlike the unencrypted lap tops, left on the train Ouch.
But what often gets overlooked before the final document, is the process in getting the deal done or information sent out, and how many drafts are put in the office bin, and the contents magic their way into the “black plastic sack”.
If it is just the one off sheet with the clients details, name, DOB, bank, and address all the things that a fraudster could use then a cross cut shredder should be fine.
But what if it’s more, you have a Duty of Care and ignorance is no defence in the eyes of the law.
The Duty of Care includes – Classifying your waste, Registering your premises, Applying for a permit, Storing your waste correctly, Ensuring your waste is moved legally, Ensuring the company you hand your waste to is licensed.
Crime Waste falls under a number of Acts  Fly tipping, Storing waste without a proper permit etc. Other can be found on Government web sites.
If you are found guilty of your confidential waste methods, and breach the Data Protection Act then fines up to £500,000 could be imposed.
So please educate yourself and your staff of the importance of client confidentiality, and shop around for companies that meet your request, be it shredding on your premise in a large van, or taken away there are lots of options and budgets so pick the best for you and your business. It is YOUR RESPONSIBILITY.

 

Friday, 10 June 2016 15:08

Forked Lightening

Forked lightening in Nottingham

Friday, 03 June 2016 09:14

IS MY TAX CODE CORRECT ????

While visiting a couple  that was looking for a mortgage,  we got onto the subject of affordability, as the lender would know what is coming in & what’s going out each month.
This client, luckily had kept all his wage slips and P60, over a number of years, it occurred  to me something was wrong, I am not a tax code expert but over many years in the financial world you get a gut feeling that all was not correct.
So after we both did some net surfing, it transpired that he was on the wrong tax cod and has been for a number of years, due to changes in his life, getting married  working two jobs one being self employed  having children, tax code input wrong at HMRC etc.
The result after speaking to HMRC he got a new tax code and a refund for the years of overpayments.
You see that those letters and numbers shown on your wage slips & P60 make up your tax code, of which are many, depending on personal situation. Showing you what you can earn before paying tax.
Remember it’s your legal responsibility so sort it out.
It is well worth checking on this yourself, via HMRC web site or charities’ like TaxAid if you are on a low income. Good luck, you may surprise yourself.

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