Energy crisis advice - 能源脹價點算呢?

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Uswitch 係一個 價格比較 (price comparison) 嘅網站. 英國網友常用 price comparison websites (e.g. gocompare, moneysupermarket, uswitch etc) 搵電力, 煤氣, 保險或寬頻等嘅筍 deal. 呢D網站靠轉介新客户賺傭金. 點解能源脹價但係 uswitch 建議大家 stay put (躺平) 呢?

https://www.uswitch.com/stayput/

原因係英國能源價格係受 ofgem 監管. ofgem 每年四月定制 價格上限 (price cap). 2021年下旬能源價格大幅上漲, 遠超2021年4月已定 嘅price cap. 所以好多能源供應商實在做緊蝕本生意, 實力弱的供應商挨不住倒冧. ofgem 嘅 price cap 只限制 standard variable tariff. Fixed rate tariff 不受 ofgem 監管所以 fixed rate 比 standard variable 貴很多.

https://www.ofgem.gov.uk/information-consumers/energy-advice-households/check-if-energy-price-cap-affects-you

2022年4月 ofgem 會提高 price cap. BAOJOE 建議大家等到4月先用 price comparison websites 比較能源價格. 依家 standard variable 普遍係最平.

免費 FT Advisor Webinar 21 Oct 2021

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“One of the fastest growing lifetime mortgage segments is clients with homes worth over £1 million. Intergenerational gifting, whether to support first time buyers or just to help younger loved ones is also driving interest in this segment.

But what is the role of property in tax effective accumulation and decumulation planning? How exactly does an adviser consult on boosting retirement income without having to draw on the pension pot? How can advisers utilise equity release as a tool to initiate business resilience?

Join us for this one-hour webinar as our panel of experts discuss how to maximise your clients' wealth in retirement through property wealth whilst considering the positive knock on effects to wider areas of financial advice.”

https://events.bizzabo.com/359598/home

倫敦物業投資展覧

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已經係英國嘅朋友如果 15/16 Oct 有時間又有興趣可以 check out 呢個係倫敦 Excel 嘅免費展覧:

https://www.propertyinvestor.co.uk/seminar

註冊個 link:

https://www.propertyinvestor.co.uk/Visitors/Visitors/Register

呢D節目始終都係宣傳為主要目的, 訊息上點到即止, 未必適合資深投資者.

另外要留意有好多專注推廣投資訓練班的 local expert. 你交學費佢哋一定賺錢. 你上完堂會賺錢嗎是未知數. 通常入門課係免費或low price, 但正式課程係in the thousands. 醒目的你自己執生.

印花稅假期已結束 (Latest UK Stamp Duty Regime)

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依家印花稅幾多錢呢?

https://www.bbc.co.uk/news/business-53319433

記住如買家已擁有一間或以上物業(環球計算), 每個 stamp duty banding 要加3%

非居民每個 stamp duty banding 再加2%

官方印花稅計算機:

https://www.tax.service.gov.uk/calculate-stamp-duty-land-tax/#/intro