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Page 5 of 7 · 59 articles
Doing nothing rolls you into next year's version of your plan, which may not be the plan you chose. Premiums, networks and drug lists all change on 1 January, and this is the window in which you can do something about it.
Statutory Sick Pay is £123.25 a week for up to 28 weeks. After that it is Employment and Support Allowance, at £145.90 a week at the very most. Those two numbers are the floor everything else is measured against.
Most unused pension funds come within inheritance tax for deaths on or after 6 April 2027. Personal representatives carry the liability, beneficiaries can have half the money withheld for up to 15 months, and death in service is excluded.
Almost everyone believes a gift made five years before death is 60% exempt. It is not. Taper relief reduces the tax, not the gift, and on most gifts there is no tax to reduce.
One dollar over a bracket costs $1,148.40 for the year. The 2026 surcharge is set by the income you reported two years ago, which is why it arrives as a surprise and why the appeal form matters.
Two homeowners with identical damage and identical deductibles can receive $14,000 and $4,000. The difference is one phrase on the declarations page, and most people do not know which one they have.
The insurer hands you two trust forms and no way to choose between them. A bare trust fixes the beneficiaries permanently; a discretionary trust lets trustees decide later. For a term policy, the tax charges people fear rarely apply to either.
"No deductions under the new regime" is the line everyone repeats, and it is wrong. A short list survives, and for a private-sector employee one of them is worth more under the new regime than the old.
Ten times your salary is a sales heuristic, not a calculation. Work from what your household would actually lose, subtract what Social Security would actually pay, and pay attention to the years in the middle when it pays nothing at all.