HMRC’s DDM plans to raid your bank account are getting closer

HMRC are planning to introduce mandatory direct debits for VAT and PAYE liabilities, but is this really proportionate? Their proposal is intended to reduce late payments and administrative errors, but the question is whether such deductions are really needed, given the relatively modest scale of late payments. Also, have they really considered what the unintended […]
Pension Annuities

Is now the right time to buy one? The massed ranks of the UK’s ‘the soon to be retired’, all face the same question, namely do I have enough savings to last me during my retirement? It’s the same question, whether your pension pot is a self-invested personal pension (SIPP) or a workplace defined contribution […]