We can’t hope to reduce the national debt through fiddling with taxes, says Merryn Somerset Webb. Only cuts to state spending can do that.
If there’s one thing that all the political parties agree on, it’s that the well-off get too much in the way of pension relief. So take full advantage before the election, says Merryn Somerset Webb.
Shareholders should seize the chance to vote for a better Alliance Trust at the AGM at the end of the month, says Merryn Somerset Webb.
The Tories’ plan to extend Right to Buy to housing associations is one of the worst policies of the election campaign so far, says Merryn Somerset Webb. And that’s really saying something.
Purpose-built retirement properties make a lot of sense for everyone – not just the elderly. We need a lot more of them. But, asks Merryn Somerset Webb, what’s the best way to create them?
Non-dom status doesn’t make sense any more, says Merryn Somerset Webb. Not for the tax system in general, and not for a large number of non-doms.
The SNP should concentrate on raising Scottish life expectancy rather than looking to lower the retirement age, says Merryn Somerset Webb.
If you want to leave as much money as possible to your children, sell your house, live off the capital and leave them your pension, says Merryn Somerset Webb.
Usually you vote for change or you vote for the status quo, says Merryn Somerset Webb. But this time it’s different – that could be dangerous for Britain.
For years home buyers took out big mortgages knowing inflation will ease the burden of repayment. That no longer makes quite the same sense, says Merryn Somerset Webb.
Fritter away your pension and the government is determined the welfare state won’t bail you out, says Merryn Somerset Webb. There are, however, a few loopholes.
The latest Social Attitudes Survey shows that Scots think the same as the rest of the UK about pretty much everything, says Merryn Somerset Webb.
Over half of 15-35 year olds say they would start a pension if they could buy a house with it. Which is entirely missing the point of pensions, says Merryn Somerset Webb.
Traditionally, pension pots have been protected should you go bankrupt. But that could all change when new rules come in to force in April.
Those lucky enough to be “asset-rich and cash-poor” might be better off selling up and using the money to fund their retirement, says Merryn Somerset Webb.