
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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The worst London boroughs to sell a second home as investors face £16k capital gains tax bill
Property investors selling up in London are benefiting from a decade’s worth of house price rises, but for many it’s resulting in higher capital gains tax bills
By Laura Miller Published
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4 ways HENRYs can use their pension to keep more of their six-figure incomes
A £100,000 salary isn’t what it used to be, after tax and other penalties. But by putting some of your current earnings into a pension you can end up holding onto more of your income in future. Here’s what you need to know if you’re a ‘HENRY’ – High Earners but Not Rich Yet.
By Laura Miller Published
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NHS pensioners rush to use retire-and-return scheme – how it works
The scheme to keep experienced staff from leaving the health service has been a success with a 300% rise in the number of people retiring and then returning to the NHS
By Laura Miller Published
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State pension could rise by 4.8% next year – triggering pensioner tax for first time
Frozen income tax thresholds are on a collision course with the state pension increases, dragging more pensioners into paying tax
By Laura Miller Last updated
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DIY pension investors take tax-free cash amid switch to ISAs
Self-invested personal pension (SIPP) investors are rushing to withdraw their tax-free cash and turning to ISAs amid fears of a pension tax raid in the Autumn Budget
By Laura Miller Published
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12 ways pensions could be reformed in Budget – including an alternative to charging IHT
Pension savers could face new rules after the Budget if chancellor Rachel Reeves targets their pots to fill her own fiscal black hole – what potential pension changes could be on the way?
By Laura Miller Published
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Charitable giving and inheritance tax: 7 tips to avoid complications
Giving some of your estate away to charity can save your family thousands in inheritance tax. But common pitfalls could mean your chosen cause loses out and your loved ones are left with a complex nightmare to unravel. We look at how to do donations right.
By Laura Miller Published
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What is the 7 year inheritance tax rule and how does it help cut your bill?
Speculation is rife chancellor Rachel Reeves has plans to target inheritance tax once again in her upcoming Budget. But the 7 year inheritance tax rule can save you thousands - here’s how it works.
By Laura Miller Published
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Pensioners targeted in fine wine scams – the tactics to watch for
Wine has emerged as the latest lure in investment fraud, with pensioners being specifically targeted by scammers
By Laura Miller Published
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FCA car finance compensation: £700 each expected for 14 million drivers
Eligible motorists could begin getting a payout from next year under the financial watchdog’s planned car finance compensation scheme
By Laura Miller Published
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Reeves warned against property tax shake-up – 3 ways it could backfire on first-time buyers
Rachel Reeves reportedly has her eye on high-end property taxes in the upcoming Budget, but there are concerns a shake-up could unintentionally hamper those trying to get on the housing ladder
By Laura Miller Published
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Average Brits want to retire five years before they can – who has the widest retirement gap?
Brits are expecting to work for longer than ever but there are big disparities in the number of extra working years predicted. A small tweak could help close the gap
By Laura Miller Published
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Boom in under-18s pensions as families battle to beat inheritance tax crackdown
The number of children with pensions has jumped as grandparents and parents increase gifting to save their loved ones from inheritance tax bills
By Laura Miller Published
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Millions of state pension records ‘set to be deleted’ – putting thousands at risk of never getting their money
Thousands of families could miss out on money owed to them if the government deletes historic state pension records.
By Laura Miller Published
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What makes you wealthy in the UK? Could it make you a target in Rachel Reeves’ Budget?
Wealthy Brits could be at risk from a Budget tax raid – but how much money do you need to be considered wealthy in the UK?
By Laura Miller Published
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More retirees are buying inflation-protected annuities. What are they and how do they work?
Sales of annuities where the income on offer increases every year have surged – and more people are also taking up enhanced rates that are higher due to illness
By Laura Miller Published
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Inheritance tax raid sees families rush to take out life insurance to pay death bills
Life insurance sales surged last year as families looked for ways to to pay inheritance tax bills, following the Autumn Budget announcement that more assets could be charged
By Laura Miller Published
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Families paying up to £5k for fake ‘asset protection’ trusts – warning signs to avoid
Fraudulent schemes are being misused, offer no real protection and can trigger unintended legal and tax consequences, lawyers have warned
By Laura Miller Published
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Pensioners cash out at double the recommended rate – are you ignoring the 4% rule?
A dash-to-drawdown is happening since last year’s Budget announcement that pensions will soon be subject to inheritance tax as pensioners ignore so-called ‘safe’ withdrawal limits
By Laura Miller Published
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Would you give up takeaways, Netflix and the gym for a £157k bigger pension?
Small extra savings into your pension could boost your final pot by tens of thousands of pounds – but at the cost of giving up some of our favourite pleasures today. Would you do it?
By Laura Miller Published
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Fresh warning over high-risk mini-bond investments – what to watch out for
Investors are being enticed by promises of high, often guaranteed, returns but buying investments from unregulated firms offers fewer protections when something goes wrong. Here’s what to look out for with mini-bonds.
By Laura Miller Published
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Investment clubs thrown lifeline after account closures – how to invest with friends
Interactive Investors’ decision to stop providing accounts to investment clubs put the novice trading groups at risk, but a new player has swooped in to enter the market and continue kitchen table trading
By Laura Miller Published
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Landlord tax investigations net HMRC record £107m – the pitfalls to avoid
Residential landlords had to pay an average of £13,713 each in tax from undisclosed rental income last year, the highest amount since a crackdown began a little over a decade ago
By Laura Miller Published
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Half of Baby Boomers don’t know how much is in their pension – here’s how to find out
Putting a figure on how much you have in pension savings now makes it much easier to work out how much you can drawdown each year in retirement without running out of money
By Laura Miller Published