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“The Future Has a Way of Arriving Unannounced.” – George F Will

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“The Future Has a Way of Arriving Unannounced.” – George F Will January 2009 “The future has a way of arriving unannounced.” – George F Will INSIDE: SAVINGS RATES INSIDE TRACK The winner of the 2008 Predict the Portfolio Competition CONGRATULATIONS TO Last January we asked readers to predict Mr Geoffrey Johnson from Ripon, how the different asset classes of North Yorkshire. Events in 2008 equities, bonds, property and cash would affected investments in a way perform relative to each other over the no one could have expected, year and Mr Johnson’s predictions were but, despite this, Mr Johnson the closest. has emerged winner of our 2008 This year, we are inviting you to enter our ‘Predict the Portfolio Competition’ 2009 ‘Predict the FTSE 100 Competition’ and receives six bottles of Moët and to say how you think it will end the champagne. year. For full details, please see page 7. Women can Watch that number! boost State BEWARE USING TELEPHONE providing you with an added benefit, numbers starting 0844, 0845, 0870 many large firms such as British Gas now Pension or 0871. These ‘non-geographical’ generate significant profits from you numbers – where the cost doesn’t dialling their 0845 number. Furthermore, WOMEN WITH AN INCOMPLETE relate to where you’re calling – can it is estimated that 10 million people National Insurance record could cost more than normal geographical- have to use these numbers to book buy extra pension years and get based calls, which usually begin 01 appointments with their doctors a pension worth £30,656 for only or 02. surgery, a practice which has recently £421. But you must move fast as been criticised. So, before dialling an Whilst 0870 and 0871 numbers were the cost rises this coming April. 08 number, try and identify the normal always charged at a premium, the geographical number. If an alternative Standard Life says that women with original intention of local rate 0845 number is given for international callers less than 10 qualifying years of numbers was to allow people to ring try that: simply replace the ‘+44’ with a National Insurance are entitled to national firms without paying long ‘0’. Another way of identifying the lower no Basic State Pension (BSP), but as distance call charges. This has all cost alternative is to use the website: soon as they reach 10 years they are changed because most call packages www.saynoto0870.com. entitled to 26 per cent of the full BSP. nowadays price local and national calls at If a woman only has nine qualifying the same rate and, very often, below this years, the cost of buying an extra standard local rate charge. Furthermore year and qualifying for 26 per cent of these non-geographical numbers are the full pension is only £421.20. But rarely included in the “free minutes” if they were to buy an index-linked packages offered by many phone pension on the open market to draw providers. the same amount per week, it would So, whilst an 0845 number was cost £30,656. traditionally a way of a company Make your money work – Best bank and building society unrestricted instant access/no notice accounts All rates correct as at 8/01/2009 and, as such, do not reflect any reduction arising from the Bank of England Base Rate cut of that date. Branch Based Amount Provider Account Gross Rate Contact £1+ Tesco Instant Access Savings 1 2.45% Branch £2,500+ Northern Rock Branch Saver 2 2 3% Branch Postal or Telephone £1+ Birmingham Midshires Direct Telephone Savings 3.15% Call 0845 602 2828 Account £1,000+ Stroud & Swindon Postal Account 3.5% 3 Call 0845 725 2423 Internet £1+ Yorkshire Building Society Internet Saver 3.75% www.ybs.co.uk Our cover shot: Wharfedale, Note 1: Tiered account - higher rates available for higher deposits. Deposits and withdrawals can be made at any Tesco store, except Tesco Express and Tesco Petrol Filling Stations. Note 2: Minimum withdrawal amount is £250. Note 3: Rate is guaranteed to remain at least 0.25% gross above the Bank of England Base Rate until 30 September 2010. North Yorkshire Subsequent investments must be at least £100. Sources: www.thisismoney.co.uk, www.moneysupermarket.com, www.moneyfacts.co.uk 2 • LOWES January 2009 COMMENT Probate Trust eases estate planning Prosperous AS YOU GET OLDER YOU’VE PROBABLY to deal with any paperwork to do considered arranging your affairs so with the property, including property that on your death your family can deal maintenance, particularly if you lost New Year? with your estate with the minimum of mental capacity. THOSE OF OUR CLIENTS WHO fuss and delay. • If you leave the property your trustees However, you’ve probably rejected the could sell it and invest the proceeds. are running small businesses idea of gifting your house as you don’t You retain the right to the income may well recognise a story want to rely on the recipient’s goodwill to from this and your trustees could make I heard recently, where one let you continue living there. After all, the payments of capital to you if required. of the biggest banks on the property could become subject to divorce • If, after your death, the proceeds of high street wrote to a client or bankruptcy proceedings which could the property’s sale stay within the shortly before Christmas and undermine your security of tenure. trust, then any capital retained in the offered to extend his £23,000 An alternative approach is to gift the trust and not paid to your chosen overdraft at a new interest property to a trust arrangement of which beneficiaries falls outside their estate for rate of 21 per cent per annum! you are the primary beneficiary and IHT purposes. When the government pushed a trustee. You can enjoy the property There is another important benefit. exclusively in its entirety, but it will be Should you have to go into long-term care the banks into extending owned by the trustees. However, for as provided by a local authority, then they may facilities to small businesses long as you have the right to reside in the not be able to force you to sell the house to they obviously didn’t property the trustees cannot disregard your cover the care costs, as you are no longer negotiate the terms! rights and so the problems of gifting the the owner. This will only apply if the trust is property outright don’t arise. opened when your health is good and you At the same time many of you The potential benefits of a trust have no expectation of going into care in who are at the opposite end arrangement include: the short-term. If you meet these criteria of the banking system will be • The property will pass without difficulty then the probate trust could have proven to receiving letters telling you that following your death to those you’ve have a major additional benefit. your interest rate is now 2 per chosen. For more information on the Probate cent or less. • You can be relieved of the psychological Trust, talk to your Lowes’ Consultant or I’m afraid we cannot help those burden of owning a property. It can return the card located between pages become the trustees’ responsibility 2 and 3. who need credit, but we can certainly take the sting out of the current reduction in bank savings Intestacy rules to change in February rates. For example invest in an NUMEROUS SURVEYS PUBLISHED IN next descendant below in the intestacy ISA at 7.5 per cent per annum recent years indicated that a large ’chain’. and, by taking the income, you proportion of UK adults lack a valid However, the government has responded to will receive the equivalent of Will. Consequently, dying ‘intestate’ growing concerns about the relatively low having five times the amount means that their assets may not be level of what’s termed the ‘statutory legacy’ invested in the bank. distributed as they wished and that and as of 1 February 2009, new laws mean their nearest and dearest could suffer that spouses and civil partners will receive Obviously, it is not without risk, unnecessary anguish. £250,000 – or £450,000 if there are no but certainly worth considering If you die intestate, then after the initial children. when your income has been valuation of the estate for probate However, as welcome as these changes reduced by more than 50 per purposes, there is a very rigid set of rules are, the way assets may be distributed on cent as a result of the credit dictating how the assets will be disbursed. death is unlikely to reflect people’s wishes. crunch. Talk to your Consultant, If the deceased was married or in a civil What’s more, intestacy may also trigger an partnership, then their spouse or civil you might be pleasantly avoidable tax liability. Consequently, we partner will not be automatically entitled surprised. It is still possible to strongly advise clients to have a valid Will so to the entirety of the estate. Currently, they put a little of their estate is distributed according to their will only receive the first £125,000 of the wishes and as tax efficiently as possible. the ‘prosperous’ assets tax-free (unless there are no children, back into Happy in which case this figure is £200,000), For more information contact your New Year. along with any personal effects. Lowes’ Consultant or call 0191 281 8811 On top of this they will receive a life interest to arrange a meeting, or complete and in half of the remainder of the estate, with return the card located between pages Ian H Lowes, the other half passing automatically to the 2 and 3.
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