Energy Performance Certificates
The controversy about the introduction of compulsory Home Reports for sellers continues to rage, but one aspect of the Home Report we’d all better get used to is the Energy Performance Certificate or “EPC”. With the introduction of Home Reports for properties marketed after 1 December 2008 it became mandatory for all sellers of residential […]
Licensing Legislation Radical Revamp!
5 am on 1 September 2009 sees the introduction of all the provisions of the Licensing (Scotland) Act 2005. Licensing Law as the Scottish public currently knows it will cease at that time when the new Licensing Legislation comes into effect. By that date, every licensed premise in Scotland will require to hold a premises […]
The Bankruptcy & Diligence Etc (Scotland) Act 2007
The above piece of Scottish legislation has fundamentally altered the law relating to both bankruptcy and diligence. Insofar as bankruptcy is concerned, debtors will be automatically discharged from bankruptcy after one year (as opposed to the previous three year period) and, in addition, there has been introduced the concept of “bankruptcy restriction orders” which are […]
The Companies Act 2006
The Companies Act 2006 is changing the law for companies. These changes affect every company operating in the United Kingdom. Passed in 2006, the Act reaches the final stage of implementation on 1st October 2009.
Five Point Guide to Starting Your Own Business
According to the Office for National Statistics, at the end of May 2009 there were 2.38 million unemployed people in the UK with the quarterly figures showing the largest increase in unemployed persons since comparable records began in 1971. However, redundancy and poor employment opportunities have encouraged some to take the step to start up […]
POWERS OF ATTORNEY – Insuring For Your Future
You insure your house, car and even your animals against a multitude of risks but have you considered granting a Power of Attorney to ensure it is someone you know and trust who will be able to take decisions on your behalf in the event of you no longer being capable?
WHEN IS THE BEST TIME TO MAKE A WILL?
The answer is now! No-one wants to think about dying but making a Will is one of the most important things you can do as it determines how your home, your possessions and hard earned savings are distributed following your death.
A LIFETIME MORTGAGE – Could This be the Solution For You?
Lifetime Mortgages are a type of mortgage that are designed for people aged 55 or over who own their own homes outright. They can be incredibly useful for people who are asset rich and cash poor. A Lifetime Mortgage provides a means of using the value of your home to provide a lump sum of cash […]
Retirement
A recent case in the High Court in England has confirmed that the UK default retirement age of 65 is lawful. Under the current legislation, an employer can force an employee to retire at 65 even if the employee does not wish to.
Optimise Your Pensions
Optimise your Pensions Concerned about retirement? Fed up at having seen the value of your pension funds plummet over the last 2 years? Or simply disillusioned with anything financial?