ISA – 21 not out

When the Individual Savings Account (ISA) was launched in 1999, the allowance was £3,000 for a cash ISA or £7,000 for a stocks and shares ISA each tax year. Now at the grand old age of 21, the overall allowance has risen to a generous £20,000. In the early days, choice was limited to either…

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Child Trust Funds’ coming of age

Child Trust Funds (CTFs) are long-term tax-free savings accounts that were set up by the government for every child born between 1 September 2002 and 2 January 2011. Over 6 million CTFs were opened, with the first of these maturing in September 2020. Every year between now and January 2029, the government estimate that 800,000…

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Your investments with Lloyd & Whyte are strong!

When so much of the news that we read on a daily basis is loaded with doom and gloom, we wanted to take this opportunity, in our Autumn newsletter, to break the mould and bring you some good news. With the issues faced by the FTSE 100 since the first lockdown, our FE portfolios have…

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Health & Wellbeing App Coming Soon…

You’re always looking after your home, you insure it and you maintain it regularly. But look even closer to home – are you looking after you? Lloyd & Whyte are delighted to introduce you to our NEW Health & Wellbeing platform. The Platform, FREE to all existing Lloyd & Whyte clients gives access to videos,…

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Winter Budget 2020

A Summary of the New Government Measures Jump to: Employees      Self-Employed Taxation      Business Finance Employees  For the six months from 1 November, the new Job Support Scheme (JSS) will protect viable jobs in businesses who are facing lower demand over the winter months due to COVID-19. Employees for whom JSS claims…

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Practice Insurance & Covid-19 UPDATE

The Financial Conduct Authority (FCA) brought court proceedings in July 2020 to test how certain business interruption insurance policies respond to claims arising from Covid-19. The Court delivered its judgment on 15th September 2020. All relevant insurers have been reviewing the lengthy and complex judgment, in order to determine if it changes their assessment of…

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Reopening your Dental Practice

With the news that dental practices are able to re-open, the level of patient contact will be gradually increasing throughout the remainder of the year. Your continued responsibility and duty of care to both employees and members of the public can be achieved by; Following the clinical advice from NHS England, or equivalent home nations…

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Practice Insurance & Covid-19

At this time, our thoughts are very much with the healthcare professionals we work with and their colleagues. We are, and will be forever grateful to those that are helping to combat this pandemic. As your broker we are committed to continue to provide updates regarding your Practice insurance. Even though the following isn’t really…

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Coronavirus & Business Loans

While the Government has made promises to help businesses during the Coronavirus pandemic, many practice owners we speak to are still unclear about how to get help. Our commercial finance partners, Rangewell, have published advice on what funding is available and where to find it. We’ve picked the articles that are relevant to our healthcare…

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