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25th October 2012

All I want for Christmas

With less than 60 shopping days until Christmas your thoughts might be turning to mince pies, pressies and parties. However with the European Gender Directive coming into force on 21st December 2012 there could be a last minute rush for his and hers products – and I don’t mean aftershave
With less than 60 shopping days until Christmas your thoughts might be turning to mince pies, pressies and parties. However with the European Gender Directive coming into force on 21st December 2012 there could be a last minute rush for his and hers products – and I don’t mean aftershave

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23rd October 2012

A duvet day at the office

Back to work after lunch….the eyes are feeling heavy…concentration is not great… I need a cup of coffee to perk me up. Looks like I’ve hit the universal phenomenon known as the “post lunch dip”. Its a normal response  for us humans with the internal rhythms of our body  calling out
Back to work after lunch….the eyes are feeling heavy…concentration is not great… I need a cup of coffee to perk me up. Looks like I’ve hit the universal phenomenon known as the “post lunch dip”. Its a normal response  for us humans with the internal rhythms of our body  calling out

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24th September 2012

Proposito talks pensions in the Sunday Telegraph

Proposito Financial Planning’s director Huw Jones was featured in the Sunday Telegraph Business Reporter supplement on Sunday. In the 16-page report on pensions Huw stresses the importance of planning for retirement. “For many business owners the solution is to rely on their businesses to fund retirement. This is something
Proposito Financial Planning’s director Huw Jones was featured in the Sunday Telegraph Business Reporter supplement on Sunday. In the 16-page report on pensions Huw stresses the importance of planning for retirement. “For many business owners the solution is to rely on their businesses to fund retirement. This is something

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20th September 2012

Being female is about to get a lot more expensive

Being female means I’m less likely to crash my car and more likely to live longer than the male of the species. This in turn means I pay a lot less for my car insurance as well as any life insurance. There is a downside though as historically annuity rates
Being female means I’m less likely to crash my car and more likely to live longer than the male of the species. This in turn means I pay a lot less for my car insurance as well as any life insurance. There is a downside though as historically annuity rates

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20th September 2012

Workplace Pension Reform – Staging Dates

Less than 250 employees More than 250 empoyees The date that an employer will be required to comply with the workplace pension reform is called the “Staging Date”.  This date is determined by the size of the employer’s PAYE scheme.  The staging date is the latest that
Less than 250 employees More than 250 empoyees The date that an employer will be required to comply with the workplace pension reform is called the “Staging Date”.  This date is determined by the size of the employer’s PAYE scheme.  The staging date is the latest that

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20th September 2012

Staging dates for PAYE schemes with more than 250 persons

If you would like to understand in more detail how the pension reforms will affect you as an employer, the register to attend our informative breakfast seminar on Thursday 18th October 2012. Click here for more details or to register… The staging date is the
If you would like to understand in more detail how the pension reforms will affect you as an employer, the register to attend our informative breakfast seminar on Thursday 18th October 2012. Click here for more details or to register… The staging date is the

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20th September 2012

Staging dates for PAYE schemes with less than 250 persons

The timetable of staging dates is shown below. You will need the last two digits of the employers’ PAYE code Employer by PAYE scheme size or other description Staging date 160-249   1 April 2014 90-159 1
The timetable of staging dates is shown below. You will need the last two digits of the employers’ PAYE code Employer by PAYE scheme size or other description Staging date 160-249   1 April 2014 90-159 1

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18th September 2012

Auto-enrolment TV ad to try and beat apathy

This week the Government have launched a £3.5million advertising campaign in attempt to get the auto-enrolment message across to businesses. Earlier campaigns seem to have failed to reach the intended audience of around 1.3 million employers, with a large proportion of business owners still failing to find out about or
This week the Government have launched a £3.5million advertising campaign in attempt to get the auto-enrolment message across to businesses. Earlier campaigns seem to have failed to reach the intended audience of around 1.3 million employers, with a large proportion of business owners still failing to find out about or

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17th September 2012

I’s dotted and t’s crossed

In the coming months the Financial Services Authority (FSA) will be spending a great deal of time and money educating consumers on changes to the way people receive financial advice and deal with financial advisers. These changes have come about following the Retail Distribution Review (RDR) which was launched by the regulator
In the coming months the Financial Services Authority (FSA) will be spending a great deal of time and money educating consumers on changes to the way people receive financial advice and deal with financial advisers. These changes have come about following the Retail Distribution Review (RDR) which was launched by the regulator

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12th September 2012

Best in show

No we didn’t win the prize for the largest and best marrow at the recent Malmesbury Garden Club Show, but then again we didn’t actually enter. However Proposito Financial Planning were involved with another local event –  the inaugural Minety Rugby Club Beer Festival.  We were delighted to
No we didn’t win the prize for the largest and best marrow at the recent Malmesbury Garden Club Show, but then again we didn’t actually enter. However Proposito Financial Planning were involved with another local event –  the inaugural Minety Rugby Club Beer Festival.  We were delighted to

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12th September 2012

Can you afford to ignore workplace pension changes?

Even if you only employ one other person, then the huge changes to the workplace pension landscape that start rolling out this year will have an effect on your business over the next few years. A range of new responsibilities will fall on employers and will have significant
Even if you only employ one other person, then the huge changes to the workplace pension landscape that start rolling out this year will have an effect on your business over the next few years. A range of new responsibilities will fall on employers and will have significant

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6th September 2012

Amnesia at the FSA?

Big stuff in the news from the FSA today about an index tracking investment philosophy and independence. They seem to have forgotten about their conclusions as to the value of active fund management. The following exchange took place during a hearing of the House Treasury Committee at Westminster on 3rd May 2006.
Big stuff in the news from the FSA today about an index tracking investment philosophy and independence. They seem to have forgotten about their conclusions as to the value of active fund management. The following exchange took place during a hearing of the House Treasury Committee at Westminster on 3rd May 2006.

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6th September 2012

Outstanding in the field

Here’s a question for ewe to dip into: How many baaaad sheep references wool I be able to get in to one sentence? The reason for my ewe-phoria? I’ve just come back from an afternoon at Raising the Baa. “What the flock’s that?” I hear you
Here’s a question for ewe to dip into: How many baaaad sheep references wool I be able to get in to one sentence? The reason for my ewe-phoria? I’ve just come back from an afternoon at Raising the Baa. “What the flock’s that?” I hear you

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3rd September 2012

Financial Planning Week 2012

Financial Planning is something we all should be doing (regardless of our current financial position), if we are to make the most of our lives. It involves working out what is most important to you in life: your goals. By adding timescales and costs, you can work out how
Financial Planning is something we all should be doing (regardless of our current financial position), if we are to make the most of our lives. It involves working out what is most important to you in life: your goals. By adding timescales and costs, you can work out how

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3rd July 2012

Did you notice a difference in work?

The long awaited workplace pension reform law came into effect on 1st July 2012. Did you notice a difference? This new legislation marks the start of the new duties for employers which will (eventually) see them automatically enrol every single one of their eligible jobholders into a work place
The long awaited workplace pension reform law came into effect on 1st July 2012. Did you notice a difference? This new legislation marks the start of the new duties for employers which will (eventually) see them automatically enrol every single one of their eligible jobholders into a work place

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We’ll pop the kettle on

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