Dees Blog

A last will and testament   is at the end of the day a command to the person you’ve elected to process your estate as to how you would want your estate to be distributed after you have gone. By pets we do not suggest you are giving up your pet parrot – but you can if you wish! Carry on reading

Lots of people say if you draw up a wills you can ensure that no inheritance tax would be charged on your estate, as if a blanket rule applies. In truth some estates won’t invite inheritance tax as they are below the allowance. Other last wills and testaments  could be more complex and we’d always suggest that you talk to a solicitor prior to trying to write your own.

If inheritance is levied, your executors will have 5 months, from the end of the month in which you die, to pay this inheritance tax. At the end of this time interest will be charged. Inheritance tax on specific assets, like land and buildings, may be deferred, but will still be payable in the long run.

There are many gifts which are without inheritance tax whether they’re passed within your lifetime or at the time of your death. These are donations which you make to UK charities or to your legal partner or spouse. If you are living apart but not divorced (or the civil partnership has not been dissolved) then you are still free to make the gift. This is relevant as long as you both live permanently in the United Kingdom. Additionally this|In addition this} conserns gifts to political parties in the United Kingdom and various national institutions such as universities, the National Trust and national museums.

It may appear to be an obvious method of sidestepping inheritance tax by passing your home on to another person, while  still residing there. This is not correct, , and inheritance tax will be accrued on the total value of the “gift”. An extra difficulty in some circumstances would be that the one making the gift could be charged income tax on the value of the gift which they have taken. If this  transpires they can make the choice of treating it as a gift with privisos.

There are some situations where a possibily exempt transfer fee may be payable. These are gifts that are predisposed to inheritance tax as long as you survive for seven years after the gift is made. These take in gifts to friends or relatives or various trusts, for example one given to somebody who is  suffering from a disability. You need to talk to a solicitor  about this, as there is a scale where the actual gain of the gift is adjusted. For example if you were to die just after making the gift, inheritance tax will be levied on a lot of it, but should you die later in the seven year term, then a lower amount will be levied. These transfers are regularly named PETS.

Sure enough, if you don’t draft a will at all, or make a will which proves invalid, then the Tax Office will in actual fact step in and decide all of it for you. Strict laws of intestacy will be applicable and the family that you’d in fact want to pass your home and valued possessions to could be left destitute. A well written last will and testament obviates any muddles. So don’t take the risk – draft a last will and testament and ensure that your relatives know where to locate it!

iPhone Insurance providers fight back against theft claims from customers who had really lost their new iPhone. Unfortunately, some 3Gs iphone insurance company’s do not provide full protection in the event that an iPhone is lost, so when a consumer finds themselves in the situation where they have missed placed their iPhone, many take the decision to claim that their iPhone has been stolen, simply so they can make a claim on their iPhone insurance policy.

An error of judgment like making a theft claim rather than a loss claim can haunt the consumer and bring problems in future years, who may think that no one would ever know about their manipulation of the truth. Unfortunately this may not be the case any more, as iPhone insurance cover providers are now actively trying to seek out customers who they believe may be making a false claim by stating that their iPhone has been stolen.

Fake insurance claims have cost the insurance industry millions over the past 5 years, and many company’s are now fighting back. Fraud such as 3G iPhone insurance theft claims are getting relatively easy for insurance providers to spot and stamp out, taking the customer claim over recorder phone calls, certain questions are asked that will route out many of the rouge claims of theft, which many insurance providers now insisting in taking legal action against it’s red faced clients.

Unfortunately, many people seem to be unaware that making a false claim on something as small as the insurance policy for an iPhone is classed as insurance fraud, which if convicted, could land you with a criminal conviction. Now that must be a real wake up call for the average man in the street, a criminal record can have all sorts of negative affects on your future, from job applications to being refused insurance in other areas, such as laptop insurance, automotive and even home insurance products.

Insurance providers are now turning to a zero tolerance with this type of offence. iPhone insurance providers require a Police incident number before they will start to process your iPhone insurance claim. In order to get a Police incident number you will have to report your iPhone as stolen to the Police and make a statement to that effect, the Police are also actively getting involved with insurance fraud of this nature. So not only could you end up with a criminal conviction for insurance fraud, you could also add wasting police time or even attempting to pervert the course of justice, all because your iPhone cover did not cover you for loss!

There is some simple action you can take to avoid getting involved in this situation and firstly that would be to make sure that when you purchase 3GS iPhone insurance cover, you select a insurance policy that will cover you in the event of you loosing your iPhone. Secondly, if you find out your iPhone insurance cover did not offer cover for loss, then take the loss on the chin, rather than risk a criminal record for such a small amount of money

Adelaide’s city centre covers and area of just one square mile. Wherever you are in the city, it is within the heart of Adelaide. Festivals, food, arts, culture, shopping and sports, this is Adelaide. Whether you want to party or relax on your next holiday, South Australia’s capital has it all. With vibrant inner-city districts, stunning architecture and plush gardens, plenty of accommodation to choose from, Adelaide is the perfect venue for all sorts of vacation activities.

Adelaide, the capital city of South Australia, located on the Torrens River and surrounded to the east by the ranges and to the west by the beach, it prides itself on its live music and arts scene, its historic building heritage and its central location to one of Australia’s best known wine grape growing regions, the Barossa Valley.

You might prefer to follow in the footsteps of sporting champions at the world-famous Adelaide Oval. Or retreat to the beachside suburbs of Henley Beach, Glenelg & Semaphore. As Adelaide is situated on the coast, its beaches are many. One can choose between city beaches or quieter out-of-town beaches about half an hour from the city centre.

Since Adelaide is situated in a gulf, the beaches are calm and safe. For those who enjoy surfing, the open sea beaches are about one hour away. Since the beaches face west, one can enjoy the most magnificent sunsets.

There is little doubt that Adelaide Oval is indeed one of the most beautiful and photographed cricket grounds in the world. Australians take their cricket extremely seriously, and Adelaide is without doubt an important member of the Australian sporting scene.

Residents of Adelaide can play or watch a number of sports including Aussie Rules Football, swimming, tennis, netball, soccer, hockey, cycling, horse racing and a variety of water sports. South Australians pride themselves on their level of involvement in sport and have a proud tradition of participation and winning in a wide variety of sports.

The mighty Murray River is an hour’s drive from Adelaide. It is a favorite aquatic location for South Australians and provides many diverse leisure activities such as skiing, fishing and swimming.

At the University of Adelaide the new Business School creates a stimulating multidisciplinary learning environment that fosters the pursuit of leadership and excellence in both research and education.

South Australia has over 78,000 small businesses. Of these an estimated 55,000 are located within the Adelaide metropolitan area. Almost 40% of these employ between 1 - 19 people making small business a major source of regional employment within Adelaide.

Adelaide offers a diversity of food, wine & culture, it offers a thriving sports scene and growing small business sector. When planning your next holiday destination or a new residential location take a close look at Adelaide. When in Adelaide do not hesitate to use the Adelaide Locality Directory to find everything form community groups, hospitals, restaurants, accommodation, employment and much more.