Read the story here. Advertise at Before It's News here.
Profile image
By Broad Oak Blog (Reporter)
Contributor profile | More stories
Story Views
Last hour:
Last 24 hours:

April News

% of readers think this story is Fact. Add your two cents.

1. National Savings & Investments has not yet reintroduced Index-Linked Savings Certificates, but watch out for their return as reportedly they have a target (limit) of £2 billion in new issues. I think they will go very fast, bearing in mind continuing concerns about inflation. You can register with NS&I here to receive email updates and be among the first to get in.

2. As we are in a new tax year, you have a fresh ISA allowance. The overall limit per person is £10,680 of which up to £5,340 can be in a cash ISA; any excess must go into a stocks and shares ISA, which can be with the same or a different provider.

3. Investing for children: as you will know, the Child Trust Fund was launched in 2005 and vouchers backdated to include children born after 1 September 2002 – and now the scheme has been shelved. However, plans that have started can continue and contributions can still be made. This autumn (1st November) we expect the introduction of an alternative for under-18s, the Junior ISA. According to the Daily Mail, the allowance will be £3,000 per child and unlike adults ISAs it will be possible to switch from cash to stocks and shares and back again. It’s also worth noting that this allowance also applies to children born before 1 September 2002 (who were not eligible for the Child Trust Fund). Please also see this article by Gaynor Pengelly on other options for children’s investments.

4. For various reasons, my personal attitude to risk re stocks and shares is still cautious, except possibly for commodities – but even in that sector there are issues of big-boy speculation and market manipulation. If you invest now, I’d suggest you be prepared to take a long-term view. Do please contact me if you’d like a personal discussion of your own portfolio and future plans.

5. Contracting out of SERPS/S2P: from 2012, it will no longer be possible to contract-out through a personal pension, stakeholder or money purchase pension scheme. This is because the Government plans to introduce a more generous flat-rate State Pension for all, from 2015 or 2016. I warmly welcome this, because up to now we’ve had a terribly complicated scheme of giving with one hand and taking away with the other – Pension Credit, Pension Savings Credit etc. The bizarre result was something like an effective 40% tax rate if you had a small State pension and had a little extra income from savings – Higher Rate Tax for poor people! Here’s an intriguing angle: We’ve yet to get full details, but a possible effect of this change of policy could be that if you are currently contracted-out (or have previously done so) and are due to reach State Pension Age after the new scheme starts, you may get the full new State Pension PLUS extra income from the contracted-out pension, whereas someone who had stayed in SERPS/S2P throughout would get nothing more. Maybe the Government will do something about it (surely their civil servants will have spotted it) – but let’s keep our fingers crossed and hope they’ll think it’s too complicated to adjust now.

INVESTMENT DISCLOSURE: None. Still in cash, and missing all those day-trading opportunities. DISCLAIMER: Nothing here should be taken as personal advice, financial or otherwise. No liability is accepted for third-party content, whether incorporated in or linked to this blog.

Read more at Broad Oak Blog

Before It’s News® is a community of individuals who report on what’s going on around them, from all around the world.

Anyone can join.
Anyone can contribute.
Anyone can become informed about their world.

"United We Stand" Click Here To Create Your Personal Citizen Journalist Account Today, Be Sure To Invite Your Friends.

Lion’s Mane Mushroom Nootropic

Mushrooms are having a moment. One fabulous fungus in particular, lion’s mane, may help improve memory, depression and anxiety symptoms. They are also an excellent source of nutrients that show promise as a therapy for dementia, and other neurodegenerative diseases. If you’re living with anxiety or depression, you may be curious about all the therapy options out there — including the natural ones.Our Lion’s Mane WHOLE MIND Nootropic Blend has been formulated to utilize the potency of Lion’s mane but also include the benefits of four other Highly Beneficial Mushrooms. Synergistically, they work together to Build your health through improving cognitive function and immunity regardless of your age. Our Nootropic not only improves your Cognitive Function and Activates your Immune System, But it benefits growth of Essential Gut Flora, further enhancing your Vitality.

Our Formula includes: Lion’s Mane Mushrooms which Increase Brain Power through nerve growth, lessen anxiety, reduce depression, and improve concentration. Its an excellent adaptogen, promotes sleep and improves immunity.

Shiitake Mushrooms which Fight cancer cells and infectious disease, boost the immune system, promotes brain function, and serves as a source of B vitamins.

Maitake Mushrooms which regulate blood sugar levels of diabetics, reduce hypertension and boosts the immune system.

Reishi Mushrooms which Fight inflammation, liver disease, fatigue, tumor growth and cancer. They Improve skin disorders and soothes digestive problems, stomach ulcers and leaky gut syndrome.

Chaga Mushrooms which have anti-aging effects, boost immune function, improve stamina and athletic performance, even act as a natural aphrodisiac, fighting diabetes and improving liver function.

Try Our Lion’s Mane WHOLE MIND Nootropic Blend 60 Capsules Today. Be 100% Satisfied or Receive a Full Money Back Guarantee. Order Yours Today by Following This Link.

Report abuse


    Your Comments
    Question   Razz  Sad   Evil  Exclaim  Smile  Redface  Biggrin  Surprised  Eek   Confused   Cool  LOL   Mad   Twisted  Rolleyes   Wink  Idea  Arrow  Neutral  Cry   Mr. Green

    Load more ...




    Email this story
    Email this story

    If you really want to ban this commenter, please write down the reason:

    If you really want to disable all recommended stories, click on OK button. After that, you will be redirect to your options page.