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Mosaac Financial Blog
The latest news, tips and insights from the world of finance


Capital gains simplification on the cards for divorce settlements
New legislation is set to simplify one aspect of tax on divorce or dissolution. Marriage is not what it used to be. In 2020, 46% of...


Is your interest getting too interesting?
Rising interest rates could mean you may start to pay tax on interest. Since 2009, deposit interest rates have been so low that the...


Three financial lessons from the Covid-19 pandemic
The pandemic taught us many things, but some of them are already slipping away. The Covid-19 pandemic is now beginning to fade from the...


Tricky teens: inflation set to soar beyond 13%
The Bank of England has said that inflation could reach over 13% before the end of the year. But that’s the lower end of the speculation....


Energy costs statement 8 September 2022
After a prolonged period of speculation, the new Prime Minister Liz Truss has announced preliminary details of how the government plans...


Cash is not what it used to be
At the end of September the old paper £50 and £20 notes will no longer be legal tender. But has cash in general had its day? In 2010, 56%...


No time to waste: minimum pension contributions must rise
A new report by the Association of British Insurers says a significant increase in the minimum contributions to workplace pensions is...


Setting new taxpayer records
New data from HMRC reveals there are now over six million people paying higher or additional rate tax in the UK. Source: HMRC. In recent...


The Chancellor’s May economy statement: all about energy
In late May, the Chancellor announced new measures to counter the rising cost of living, in particular energy prices. Source: Ofgem....


Spiking inflation: what’s going on?
In April, UK inflation reached a level not seen since the early 1980s – many people’s entire adult lives. Source: ONS. UK inflation was...


Inflation: getting real about returns
With inflation edging ever closer to double digits, the way you think about investment returns may need to change. From January 2000 to...


12% interest on student loans? Not so simple
In theory, high inflation should mean high interest rates for student loans. But it is not that simple. Source: ONS. The Retail Prices...


Higher rate taxpayers: no longer a select club
Higher rate taxpayer numbers are rising sharply, and if that’s you, then independent financial advice is now more important than ever....


The state of retirement in 2022
An annual survey from major investment manager abrdn has provided a snapshot of people who have or plan to retire in 2022. Wherever you...


Confused by new National Insurance Contributions changes?
The changes to national insurance contributions (NICs) announced in the Spring Statement in March were not straightforward. Let’s set the...


Can the child benefit charge be fixed?
A critical review of how the government taxes child benefits has raised a major question mark over HMRC’s approach to collecting...


The price of surging inflation
As inflation hits a 30-year high in the UK, double-digit price increases could be on the horizon. At the start of 2021, inflation...


Mosaac’s Path to Sustainability Part 2: EV Salary Sacrifice Scheme Launched!
The next step in the company’s movement towards being more sustainable involved us wanting to be able to offer greater incentives to the...


2022: an unexpected first quarter
Despite the numerous shocks that occurred in the first quarter of 2022, the world’s share markets held up surprisingly well. Cast your...


Looking after your pennies
With inflation hitting 6.2% in February and outstripping wage growth, make sure you are paying attention to what’s happening to your...
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