Married couples take larger slice in intestacy revamp You may have read about the intestacy laws in England & Wales changing recently. On 1 October, they got a revamp. But as anticipated, it is only married couples and civil partners … Read More
The recent A-level results day will have had many students nervously checking to see if they have achieved the necessary grades for their preferred university course. Equally, concerned parents will have been contemplating how they could provide financial support for … Read More
By David Downie, Standard Life Calling for inheritance tax (IHT) to be applied to pension death benefits may not win any popularity contests – but hear me out. As part of the radical pension reforms announced in the 2014 Budget … Read More
A series of fairly tax cases really got me thinking thinking recently. They all focused on the “outrageously unfair tax results” that can arise when you make a withdrawal from an investment bond. You may not have seen these cases … Read More
Impulse buying – we have all done it and often regret it. From that Betamax video recorder back in the 80s, to the bargain in the January sales that was a size too small. But hey, maybe the New Year … Read More
Autumn statements aren’t usually particularly entertaining to watch, especially when they coincide with trying to travel in the midst of one of the UK’s worst storms in years and being stranded at Carlisle station streaming the broadcast on a laptop … Read More
Procrastinators of the world unite……….tomorrow……….or maybe next week. It’s easy to put off things that we don’t like, such as that long overdue appointment with the dentist, or things that we don’t like to spend time thinking about, like making … Read More
What’s your legacy? It’s just over a year since the London Olympics. But the Olympic legacy will be felt long after the torch made its way to Rio. As well as the sporting facilities it will hopefully act as the … Read More
Who would you trust with the PIN number to your bank account? A complete stranger? No-one at all? Maybe just your family? What – all of them? Even that nephew with the shifty eyes?There’s probably some rule as to how … Read More
David Downie is Technical Manager at Standard Life, focusing on the intricacies of pension, tax and family wealth transfer planning. He started his financial services career as a financial adviser before joining Standard Life where he has spent the last 14 years in technical roles. He has a special interest in tax legislation change and what this means for consumers and advisers. He is also a frequent press commentator on financial planning issues and a regular blogger. David is married with two young sons. Away from the office his main passion is football and he is involved in coaching at grass roots level, running a junior football team.
You can read more blogs by David Downie at www.moneyplusblog.co.uk
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