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Consumer scams – don’t be a victim Fraudsters are continually coming up with new ways to con unsuspecting people into parting with their money, and with the internet, email and mobile phones it’s becoming easier and easier for them. Increase the value of your home – build or extend Once upon a time, investing in property was a sure-fire way to make money, but as the property market has slowed down over recent years, homeowners need to be wise about how they maintain and improve their property in order to make money from it as buyers are becoming more demanding. Increase the value of your home – cosmetic changes The property market is very unpredictable nowadays – sales are slower and buyers more demanding. It can therefore be difficult to make a profit on selling your home unless you think carefully about how to make it more marketable. Self-build – finance your dream home Having your very own, custom-built dream home is a lot easier and cheaper than you might think. Although building your own property involves a great deal of planning and hard work, it’s within the reach of most people, especially now that many mortgage lenders will lend on self-build properties. Islamic finances If you’re Muslim and are concerned about financial products that comply with Sharia Law, there are more and more options available to you today. The first Islamic bank in the UK, the Islamic Bank of Britain, opened its headquarters in Birmingham in 2004, offering a range of products and services such as pensions, mortgages and loans. Reasons for starting up a company People set themselves up in business for many different reasons. Sometimes they have an idea that will fill a niche in the market or is a vast improvement on current products or services available. How to create a good business plan? Once you’ve got a good idea of whether your business is viable and you’ve analysed the market, it’s time to draw up a business plan. Is being self-employed the right thing for you? As well as being viable from a business perspective, it’s also crucial that setting up a company is appropriate for your personal needs. It’s a huge commitment that will require a lot of hard work, so you need to be sure that you’re up to it and that your lifestyle can support it. How to create a good business idea? The two key ingredients of a successful business are a reasonable business idea and a thorough business plan, which will put the meat on the bones and turn your idea into something concrete and viable. How do I obtain capital to invest in my business start up? You’ll almost certainly need to raise money to start up your company, unless you already have sufficient capital yourself. The typical costs of starting up are in obtaining premises, manufacturing your product if you have one, buying materials, stock or equipment, marketing and fees for external consultancy such as legal help, accountancy etc. Gas guzzlers: the cost of running a car today We’re a nation of car users – although not always by choice. Expensive and unreliable public transport systems have forced many of us onto the roads, but having a car certainly isn’t a cheap alternative. The cost of owning a car, even if you don’t use it much, is very expensive. The Pros and Cons of Store Cards Why shouldn’t you take advantage of the offers if they’re there for the taking? You could save a lot of money by opening a store card (for example, discounts of up to 20% may be offered with your first purchase), as long as you are sure that you will be able to pay the bill before interest is charged. What’s in a name? IFA Qualifications There’s more pressure on people than ever before to save for their futures. Relying on the state is no longer a safe option for retirement, benefits and healthcare. Buying goods abroad: UK customs If you’re planning to bring goods into the UK from travels abroad or from purchasing on the Internet, there are some important customs laws that you should be aware of. Protecting yourself from identity fraud Your identity is extremely valuable. You need it to prove who you are for various purposes in your day-to-day life, such as opening a bank account, obtaining a loan, getting a credit card, purchasing goods or services, applying for a passport or driving licence Inheritance tax, a concise guide With ever-increasing property prices, more and more people's assets are now worth more than the inheritance tax threshold of £285,000, which has never been increased in proportion to the recent property boom. The importance of making a will. Please note: this article applies to residents of England, Wales and Northern Ireland and is provided for general information only. It does not constitute financial advice. Getting to grips with ISAs The Individual Savings Account (ISA) scheme was set up by the government in 1999 to encourage people to save more money. It allows people to save up to a certain amount each year without paying tax on the interest or income from it. Pensions Guide: State Pensions The most important financial decisions you’re likely to make in your life are those concerning your retirement. To have a secure future with a comfortable standard of living after you’ve stopped working, you’ll need to plan your finances carefully. Pensions guide: private pensions It’s now unlikely that the state pension will be enough to keep you living comfortably when you retire. It provides only basic support, and the government itself is keen to encourage people to save as much as they can to supplement their state pension and give themselves a comfortable income in retirement. Government benefits – for those on low incomes One of a series examining the different types of government benefits, this guide looks at some of the options available to assist those who’re on a low income and are struggling to support themselves or their families. Government benefits – for the unemployed The government provides a range of benefits and allowances for those who are unable to support themselves financially, whether they are unemployed and looking for work, on a low income, ill, injured or disabled, bringing up a family, caring for someone or retired. Government benefits – helping you in retirement Unless you’ve managed to build up a large private pension or have a great deal of savings, it’s not always easy to get by in retirement when you’re no longer earning. There are various ways in which the government can help give people of pension age enough money to live on – here’s a concise guide to some of the main benefits. Government benefits – bringing up a family There’s a wide range of government benefits to support you as you bring up your family if you’re on a low income and need assistance. This is a brief guide to some of the key benefits that you may be eligible to receive. Government benefits – helping you through injury or illness If you’re incapacitated for any reason and are unable to work, you may qualify to receive certain benefits from the government to assist you. This is one of a series of guides to government benefits, in which you’ll find practical information on the range of benefits that may be available to you. Pocket Money: Financial Lesson for Kids It’s an age old problem for parents – how to handle pocket money for their kids. How much should you give them? How often? What should they spend it on? All these questions have troubled parents for generations. The financial industry: your rights as a consumer The financial services industry is highly regulated and companies selling financial products or advice must adhere to a stringent set of guidelines set out by the industry’s independent regulatory body, the Financial Services Authority. The basic principles of VAT VAT (Value Added Tax) is a sales tax, levied on the expenditure of consumer goods and services and business transactions, which is paid by the consumer at the point of purchase and collected by Her Majesty’s Revenue and Customs (HMRC). First introduced to the UK in 1973, it is now a major source of revenue for the government. It’s payback time: remortgage to solve your debt problems People in the UK owe more money than ever before. As it becomes easier and easier to borrow, whether in the form of credit cards, loans or countless other personal finance options, we are lured deeper and deeper into the debt trap, often to the point where we face an overwhelming financial burden that we have no means of repaying. What is a commercial mortgage? A commercial mortgage is similar in principle to a residential mortgage except it is used to purchase a property or to raise capital for commercial purposes rather than domestic purposes. As with residential mortgages, the lender retains rights to the property until the loan is repaid in full. Budgeting for your Personal Finance Most of us find ourselves having to part with our hard-earned cash almost on a daily basis to just keep ourselves going. Have you ever thought about exactly what you’re spending though? A great deal of people never bother to budget – yet they could find themselves a lot better off by keeping an eye on their income and outgoings. Mortgages: what products are available? Basic principle of a mortgage is very simple: you borrow money to buy a house and pay back the loan with interest. However, nowadays there are so many products available that it can be mind-boggling. Here’s a guide to methods of repayment and interest rates. An introduction to homeowner loans: the key to cash in your house These days it’s difficult to get by without some form of financial assistance – most of us have loans, mortgages, credit cards, store cards or other types of debt. Taking out a personal loan is one of the most common and convenient ways in which to borrow money. Bankruptcy: a concise guide Bankruptcy is one method of getting out of debt. It is a court order that transfers responsibility for dealing with creditors to the Official Receiver, who also takes control of the debtor’s money and assets and distributes them fairly to all their creditors. Saving for your child’s future Having children isn’t cheap these days, especially in the long term – the older they get, the more they cost. Higher education prices continue to soar and it’s almost impossible to get onto the housing market without having some capital or homeowner loans.

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