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Lucas Fettes Online
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Online insurance and financial services
Online insurance and financial services

3 followers
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In our February Know How newsletter we discover that household debt is rising, and look at how effective financial planning can help. We also cover the key changes to be aware of with the new state pension and look at how people are accessing their pension savings http://bit.ly/1QbIZzP
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Running a business can be time-consuming and challenging, leading many entrepreneurs to neglect one very important factor: their exit strategy http://bit.ly/1PWT9hi
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In this month's Know How… We look at how people have potentially unrealistic ideas about when they will retire and how much money they'll have, and the Help to Buy ISAs which were launched on 1 December.

We’ll also look at how the Autumn Statement introduced some significant changes for individuals, and discover that research has found that a quarter of adults lack basic digital skills.
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If your organisation employs one or more people in the UK, then automatic enrolment will apply to you.

 Every employer is required by law to enrol certain workers (typically employees between age 22 and state pension age, who earn over £10,000 p.a.) into a suitable workplace pension scheme and contribute towards it. This is called ‘automatic enrolment’.
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Watch our handy automatic enrolment video to discover what you need to do to prepare bit.ly/1LGme2L
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Seemingly as quickly as it came, another year is galloping off into the distance and people’s minds are beginning to turn to the festive holidays. Employers will want to show their staff that the year’s hard work and dedication has not gone unnoticed.

There are many ways that an employer can go about rewarding their staff, from gifts and bonuses to parties. And while it may at first seem like the only factors that need to be considered are whether or not your employees actually deserve to be rewarded and how much money you are willing to spend, as with most things there are tax obligations to consider too.

So what are the options and how do they weigh up against each other?
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In this month's Know How newsletter…  A fifth of business owners feel they can't take a day off. New national minimum wage rates come into effect from 1 October. Research has found that almost two thirds of adults don't have insurance. And the majority of people under 35 have already started planning their retirement.
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The end of a marriage is a difficult time. Not only do you have to deal with the emotional impact and sudden shift in routine, but there is also likely to be a number of financial matters that need to be attended to.

Whether you have been married for decades or just a few years, splitting up the personal side of your life often means disentangling a web of interconnected financial arrangements too.
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