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Benedict Rohan's Articles in Personal Finance

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  • When the bailiff comes knocking – what are your rights?
    If your debts get to the stage where a bailiff comes knocking at your
    door to seize goods, it can be a very distressing experience.
  • 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.
  • 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.
  • 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.
  • 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.
  • 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.
  • Parents: helping your child onto the property ladder
    It’s increasingly difficult for young people to get on the first rung
    of the property ladder alone, as property prices are rising much more
    quickly than earnings. This is where parents can help.
  • 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.
  • 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 – 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 – 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.
  • Getting a mortgage with friends
    Property prices for even the smallest apartments are beyond the reach of many first time buyers nowadays. As a result, more and more people are clubbing together with friends to share a mortgage and ownership of a property.
  • Flight compensation: your rights
    It’s really no fun when you’re stuck in the wrong place or left hanging
    around in an airport because of flight delays and cancellations – and
    what’s more it can leave you out of pocket.
  • Buying a used car
    Buying a used car can be risky if you don’t carry out detailed checks
    on the vehicle. It’s not always easy to determine the history of a used
    car, but it’s crucial for ensuring you buy a safe, roadworthy and legal
    vehicle.
  • 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.
  • 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.
  • Arranging a funeral
    Suffering a bereavement is a difficult enough time without the stress of arranging a funeral. It can be an expensive business, though, so it pays to do your research and contact a few different funeral directors before making a decision.
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