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


Your New Year financial checklist
2022 was an eventful year, giving you good reason to think about your financial planning for 2023. This year we saw three prime...


Looking for alternative Christmas presents?
Why not consider a different kind of gift for your children or grandchildren this Christmas – perhaps one with a financial twist?...


Inheritance tax receipts double in a decade
New data from HMRC show the Treasury’s inheritance tax (IHT) receipts have doubled since 2012/13. Source: HMRC. Of all the various taxes...


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...


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...


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...


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...


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...


New reforms set to simplify divorce in England and Wales
Divorce will become easier thanks to a change in the law from 6 April, but even with a more amicable split, financial advice is still...


Repayment of student loans: another freeze… and worse
The government is turning the financial screws on student loans and is set to claw back £2.3 billion under the guise of high inflation....


Chancellor's Spring Statement - A Summary
As you will be aware the Chancellor stood up in the Commons yesterday and delivered his Spring Statement. Here are the key elements:...
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