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Feature Item:
Business, Legal and Finance
Wednesday, 25 January 2012
Lawrence Financial Consultancy Ltd. Are you concerned about your Investments being eroded by high inflation levels or do you have an Inheritance Tax issue? Based in Tavistock, I have had 14 years experience in helping people manage their finances. I am able to provide truly independent advice to my clients, covering the whole of the market without being limited to any specific provider. After an initial meeting, I will prepare a report which summarises your current position and goals and allows me to use my expertise to recommend the best options to help you reach your goals. All of which is at no obligation. Call 07733330543 or email paula@visionifp.co.uk to arrange an appointment.
WEST DEVON COMPUTERS West Devon Computers (WDC) is a mobile computer service owned by Mike McCormick, a certified IT Professional. WDC are based in Tavistock and provide a host of services to domestic clients and small businesses. In addition to supporting existing users, Mike is keen to encourage new people into the world of computing. “Technology is playing an ever increasing role in our everyday lives, we therefore need to take an interest or be left behind. You are never too old to start using a computer and could find that it opens up a whole new world to you. Whatever your hobbies or interests are, getting online will enable you to learn more about them.” “Basic computers are reasonably cheap, so if you are curious about learning to use a computer there will never be a better time to start.” Whatever you decide, WDC are here to help.
CHILCOTTS Do I need a Will?
It is a common misconception that after you die the whole of your estate will pass to your nearest and dearest. Any person who dies in the UK without leaving, will a Will an ‘intestacy’ is created and the law dictates who will inherit under your estate. The Intestacy Rules are archaic and do not recognise unmarried couples, friends, carers, or step children who have not been formally adopted by their step parent, as beneficiaries of an estate. If you have little or no family, the consequences can be even worse! Another common misconception is that if you die without a will, leaving a spouse, your spouse will be entitled to the whole of your estate. However, under the Intestacy Rules your spouse will only inherit a specific amount of it, and if your estate is worth more, they will have to share the remainder with any of the other persons who are entitled. In certain circumstances this could result in the marital home being sold to provide the children/parents with their inheritance. If you are in a relationship but unmarried, and you die without leaving a will, under the Intestacy Rules your partner would be left nothing from your estate, and, if your partner lives with you in your property (without being on the deeds) or your property is owned as tenants in common, your partner could find themselves homeless as the house could be sold to provide for those family members who would inherit under the Intestacy Rules. If you die without leaving a will and have no close relations, your estate may pass to distant or unknown relatives, or if there are no surviving relatives at all to inherit under the rules of intestacy, your estate will pass to the Crown. If you have a small or no family surviving you this would be far from ideal and a Will would enable you to name charities or non family members that should inherit rather than the money passing to the Crown. How can you solve any of these problems? By making a Will, appointing people who you would want to be your executors and directing to whom you want your estate to pass to, rather than relying on what the law dictates, for example, charities, friends or distant relatives. A Will can also be drafted to ensure your spouse is not forced out of the home to pay for legacies to family members who may inherit. To discuss making a Will or to update an existing Will, please contact David Wilde of Chilcotts Solicitors, 10 Plymouth Road, Tavistock, Devon, PL19 8AY on 01822 612535
FRANCIS CLARK George Osborne’s Autumn Statement in November was somewhat of a curate’s egg – good in parts. The measures he announced that impact most on the South West include the £500m house building plan paid for through the sale of social housing and the mortgage indemnity scheme to help first time buyers. Getting Britain building is a big issue in this region as are the costs of fuel and rail fares. Capping these is good news, however temporary. Increasing the Bank Levy, more money for schools and a £50 subsidy to your South West Water bill were all crowd pleasers but are not going to do too much to enhance market confidence and that’s what the economy needs. It’s also good to cut red tape and to provide SMEs with greater access to credit with lower interest rates when they get it, but the Eurozone crisis is deterring many businesses from hiring or investing.
CHARLESWORTH NICHOLL & CO DIVERSIFICATION FOR FARMERS - SOLAR PANELS
Mary Nation of Charlesworth Nicholl & Co Solicitors of Crediton, who used to work with Cann & Hallett of Okehampton, says that Grants and the Government Tax Breaks have recently encouraged the use of solar panels on farms as farmers can make additional use of their land and existing buildings. There are two main options, she informs us, when installing panels:-
• to pay for your own panels and arrange the installation yourself or
• to agree to an Investor Company leasing the space above the roof of a building and fitting their own panels.
If you own the panels you will receive the Government Feed-in Tariff (FIT - which is guaranteed to rise with inflation) as well as the advantage of having cheaper electricity, so this may be a wise move if you have sufficient capital.
However, provided the Lease to the Investor Company is properly drawn up with the advice of Solicitors, so that it complies with the requirements of your Mortgage Company, the second alternative will still provide you with cheap electricity.
If you sell the property and own the panels they will remain yours and you will continue to receive the FIT unless you sell or pass them over to the buyer – your sale contract will need to be carefully drawn up..
As solar panels become more common, they will be a positive selling feature of your property. Mary advises that it is vital to take legal advice when granting a Lease to an Investor Company or when selling. This is a new area of the law and expert advice is required. Mary Nation, Charlesworth Nicholl & Co, Crediton
RAYMOND JAMES “Moor from the City” Yelverton Investment Seminar – 9th February 2012 The next “Moor from the City” Winter & Spring series of Barry Bennett’s investment seminars is due to be held on Thursday 9th February 2012 and will be a double header with presentations from two “City Gents”. First Geoff Wenden of Bank of New York Mellon will present on “Investing for Income” – particularly relevant for people in retirement seeking income in these high inflation, low deposit times. Then Philip Thitchener of JP Morgan Asset Management will present on Global “Thematic Investing” or as he calls his presentation “Bore it, Build it, Buy it”. It is of interest to those who want investment in gold, commodities, consumer goods, infrastructure and environmental themes in their portfolio. To attend this free seminar contact Henry Bennett at Raymond James at their Yelverton Office on 01822 855060 or email Henry.Bennett@RaymondJames.com.
TP Web & Graphic Design TP Web & Graphic Design is a small independent company with big ideas. Experienced in working with a number of local businesses we take responsibility for their web identities, business stationery and marketing, with recent work published in Devon Life Magazine, Dartmoor Magazine and Okehampton Living. Our web portfolio ranges from small business and personal websites to large content managed systems and online shops. Creative design, expert knowledge and a can-do attitude ensure a professional and stylish finish to meet your specific business needs. Contact us today for a free consultation.
Copyright Tindle Newspapers Ltd Sunday, 19 May 2013
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