
Laura Miller
Laura Miller is an experienced financial and business journalist. Formerly on staff at the Daily Telegraph, her freelance work now appears in the money pages of all the national newspapers. She endeavours to make money issues easy to understand for everyone, and to do justice to the people who regularly trust her to tell their stories. She lives by the sea in Aberystwyth. You can find her tweeting @thatlaurawrites
Latest articles by Laura Miller
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How inheritance tax trick is helping families save ‘six-figure sums’
Happy to skip a generation to save thousands on inheritance tax? A deed of variation could be the estate planning tool you need.
By Laura Miller Published
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How much do solar panels cost in the UK - and are they worth installing?
Solar panels are set to be at the forefront of the government’s plans to make the UK economy greener. But are they cost effective?
By Laura Miller Last updated
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Crypto assets of seven million UK investors at risk – how to keep yours safe
Cryptocurrency wallet rules make it hard to track down assets after someone has died, even if they leave a will saying who they would like to inherit them
By Laura Miller Published
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How to avoid the 14 year inheritance tax gifting trap
Inheritance tax rules are getting tighter and more families are trying to find ways to avoid a hefty bill. Giving money away is a common strategy – but if done wrong your loved ones could be on the hook with HMRC for almost a decade and a half.
By Laura Miller Published
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HMRC warning after scammers target 170k taxpayers – how to stay protected
Scammers are using increasingly sophisticated methods to trick people into sharing personal details or paying for fake self assessment tax refunds
By Laura Miller Published
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How much do retirees spend per year on average?
Much of our working lives is spent planning for retirement, but how much do retirees actually spend?
By Laura Miller Published
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Inheritance tax take rises again as loved ones pay £200 million more
Inheritance tax receipts keep rising but there are rumours chancellor Rachel Reeves wants to tighten the rules again to increase the inheritance tax take even more to shore up struggling public finances.
By Laura Miller Last updated
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Brits could use ‘highly effective’ estate planning tool to cut inheritance tax rate by 10%
Inheritance tax policy changes are prompting a surge in individuals overhauling their plans for their estate, say professional advisers
By Laura Miller Last updated
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Inheritance tax reform ‘largely protects family farms’ – what are the alternatives?
Independent analysis of the government’s inheritance tax reforms has found eight out of 10 farming estates will be able to pay their IHT bill without having to sell off parts of the farm
By Laura Miller Published
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Cohabiting families could face £82,000 inheritance tax bill under new rules
Without the tax breaks of marriage, including pensions in inheritance tax calculations – even if the person who dies was too young to ever draw on it – could push many cohabiting couples into paying inheritance tax
By Laura Miller Published
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Thousands of homeowners claim £17k for subsidence amid heatwaves – how to spot the signs
Insurers have paid out £150 million for subsidence so far this year. But more than half of people don’t know what to look out for to make a claim.
By Laura Miller Published
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Divorced? Simple rules to stop your ex claiming inheritance on your estate
Divorces are back at pre-pandemic levels leaving lawyers urging separated couples to get their affairs watertight to avoid any nasty disputes after death
By Laura Miller Published
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Rise of the mid-life downsizers: The generation planning to fund retirement with their family homes
With smaller pensions than the previous generation, over 45s are planning to turn to the family home to pay for their later years by selling up in favour of a smaller cheaper property
By Laura Miller Published
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Is Reeves planning an inheritance tax raid on lifetime gifts? How rules could change
Chancellor Rachel Reeves reportedly has inheritance tax in her sights again with potential changes to limit the gifts loved ones can make in a lifetime said to be being considered for the Autumn Budget
By Laura Miller Published
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Two million savers withdraw retirement cash before state pension age
Taking pension cash early is becoming the ‘new norm’ but experts warn this runs the risk of running out of money later in life
By Laura Miller Published
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Clinging to cash over investing fears? You could miss out on thousands of pounds
Overly-cautious savers could get stuck with low returns now the Bank of England has cut interest rates again amid predictions the base rate has further to fall
By Laura Miller Published
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Most Brits unaware onshore bonds can help beat inheritance tax – here’s how
A little-known perk of certain types of bonds can let your loved ones off the hook when it comes to inheritance tax – but two-thirds of people have never heard of them
By Laura Miller Published
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Inheritance tax mistake costs families £350m – are you making this simple error?
Life insurance can provide your loved ones with a vital safety net if the worst happens. But to avoid inheritance tax on the pay out, you must write the policy in trust
By Laura Miller Published
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Should you give your children’s inheritance to charity?
Fears of misspent money, bad investments and creating spoiled offspring are causing high-net-worth parents to leave their money to causes other than their own children.
By Laura Miller Published
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Property down valuations wipe millions off stagnant housing market
Some properties have had as much as £1m knocked off their value as assessors are accused of being ‘overly cautious’ while property prices stall
By Laura Miller Published
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Should you defer your state pension and stay in work?
You could boost your state pension by hundreds or thousands of pounds by deferring it if you don’t need the income right now. We look at how it works, and the pros and cons
By Laura Miller Last updated
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Inheritance tax investigations catch out 1200 more families in HMRC crackdown
Where there is a suspicion inheritance tax has been underpaid, HMRC has extensive powers to check the deceased individual’s financial affairs and chase what is owed. Will you pay more?
By Laura Miller Published
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Best trading platforms for UK investors ranked – how do they compare?
Trading platforms have been assessed for charges, investment range on offer and quality of service, with the best for each type of customer ranked
By Laura Miller Published
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State pension gender gap ‘almost closed’ for new retirees – but private gap widens
The state pension amounts for men and women are on course “to be equal very shortly”, says Department for Work and Pensions
By Laura Miller Published