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Porady ekspertów, aktualności rynkowe i przewodniki finansowe
Dokumenty Self Employed / Ltd Directors
Banks accept income from tax returns not turnover. 2 years trading history usually required. Need Tax Calculation (SA302) + Tax Year Overview annually. 3 methods to obtain: HMRC portal, accounting...
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Polisy ubezpieczeniowe w czasie pandemii COVID-19
Urges readers not to cancel existing insurance during COVID-19 financial hardship. Key arguments: death, illness and injuries remain threats even when life is suspended. Re-obtaining coverage later...
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Zamrozenie platnosci (COVID-19)
Banks and building societies announced mortgage payment freezes ("payment holidays") up to three months without detailed financial assessments. Simple hardship declaration from coronavirus qualified...
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Opieka nad dzieckiem po smierci rodzicow w UK
When both parents die without local family, UK social services determine guardianship. Children cannot leave Britain to return to home country during this period, even if relatives abroad could...
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Lifetime ISA (LISA) -- Jak zdobyc bonus 25%
Successor to Help to Buy ISA, introduced 2017. Requires age 18-39 to open. Max 4,000/year contribution, 25% government match (1,000 max/year). Maximum lifetime bonus: 33,000 (contributing 4,000...
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Co to jest Trust? Trusty w ubezpieczeniach
A trust is a legal agreement where insurance policy owner designates trustees to manage funds after death. Benefits: excludes policy from estate (faster payouts, avoids inheritance tax), eliminates...
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Czy dziecko jest ubezpieczone w szkole
UK schools must carry Public Liability Insurance, covering children during school hours and organized trips. However, this only covers accidental injuries, not illnesses. Parents should consider...
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Help to Buy ISA -- 25% bonusu
Government program for first-time buyers. Initial deposit max 1,000, then 200/month. 25% government bonus (1,000 saved = 250 bonus). Minimum 1,600 to qualify. After 4 years: up to 12,000 with max...
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Jak pobrac raport kredytowy PDF z Credit Karma
In May 2019, Credit Karma acquired Noddle. The free report displays TransUnion data and refreshes weekly. Note: downloading has since been disabled -- CheckMyFile recommended as alternative with data...
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Czy dostane kredyt z defaultem
Default = 6 months missed payments, remains 6 years. Some banks ignore mobile network defaults or defaults >3 years old. Paid defaults carry less weight. Albion specializes in poor credit history...
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Zakup domu wazniejszy niz slub
Good Move research shows 18-24 year olds rate property purchase as greater commitment than marriage. Marriage placed fourth for this age group. ~39% contemplate divorce or ending relationships; 53%...
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Boris Johnson chce przelozyc Stamp Duty na sprzedajacego
AAT proposed transferring Stamp Duty from buyers to sellers -- only for primary residences. Would save taxpayers 700 million pounds annually and potentially eliminate FTB exemptions while maintaining...
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