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Know your Inheritance Tax Gift Exemptions

December 7, 2017 | Ailidh Ballantyne |

inheritance tax

Life can be taxing at times, no more so than on death. So it is important to consider the potential inheritance tax implications which can arise upon your death. When you die, Inheritance Tax may be payable on your estate. Each person has a Nil Rate Band of £325,000, meaning that any assets up to … Read More >>

General Data Protection Regulation (GDPR) for HR

November 30, 2017 | Alastair |

general data protection regulation

Many organisations are currently preparing themselves for the General Data Protection Regulation. For many their initial focus for the forthcoming changes (May 2018) may be on their ‘day to day business’, but it is also important that their ‘day to day business’ includes their HR procedures.  Consideration needs to be given to ensure their current … Read More >>

Is my English Will valid in Scotland?

November 28, 2017 | Ross Wallace |

is my english will valid in Scotland

Most people know that there are a number of differences between the Law of England (and Wales) in comparison to the Law of Scotland. We are often asked by people who have made a Will in England and now live in Scotland; ‘is my English Will still valid in Scotland?’ The simple answer is generally … Read More >>

Are you ready to be a first time buyer?

November 22, 2017 | Gavin Pearson |

first time buyer

5 Tips for a First Time Buyer Buying your first home is an emotional experience – it can be joyous, stressful and frustrating, amongst other things. Our goal is to limit, if not eliminate, the negative emotions and make the experience something you WANT to remember. Here are a few, sometimes overlooked, tips for first … Read More >>

The Importance of Having a Will

November 15, 2017 | Gavin Pearson |

Importance of having a will

Do you have a Will? Do you know the importance of having a Will? If not, why not? Do the reasons include not knowing what a Will does, the possible cost, that you don’t have time, that you don’t think you need one, that you think you’re too young? Let’s address these possible concerns: Don’t … Read More >>

I’M PERFECTLY CAPABLE! I don’t need a Power of Attorney!

October 26, 2017 | Ailidh Ballantyne |

“I’m perfectly capable”. “I can manage, don’t worry”. I don’t need a Power of Attorney. None of us likes to think that there will come a time when we cannot manage our own affairs. Despite reminders from our families, it is not always easy to admit that we may require a little help. Contrary to … Read More >>

Are you ready for the GDPR?

October 19, 2017 | Alastair |

GDPR

The General Data Protection Regulation (GDPR) will come into force on 25th May 2018 replacing the Data Protection Act 1998. Every public and private organisation in the UK, including RSLs, will have to comply with the regulations which relate to how organisations process and handle personal data. What are some of the main changes? Notice … Read More >>

Do I really need a Will?

October 10, 2017 | Ailidh Ballantyne |

Do I really need a Will

“It’s ok, don’t worry. My wife will get everything”. These words are uttered more than any other when someone dies without a Will. It is a common misconception that should you die without having made a Will that your spouse will receive your entire estate. Indeed, it doesn’t matter if you have only been married … Read More >>

Evictions under the new Private Residential Tenancy

October 3, 2017 | Claire Mullen |

new private residential tenancy

The Private Housing (Tenancies) (Scotland) Act 2016 comes into force on 1st December 2017. It will introduce the new Private Residential Tenancy which will replace Assured and Short Assured Tenancies in Scotland from the effective date. Existing Assured and Short Assured tenancies will continue unaffected. The new Private Residential Tenancy (PRT) offers significant security of … Read More >>

Paying for Care – What is deliberate deprivation of capital?

October 2, 2017 | Ailidh Ballantyne |

paying for care

With one in four of us likely to need care in our old age, the issue of paying for care home fees has never been more common. Exploring options to reduce capital/savings/assets has become popular, including placing property into trust. Is this an attractive way of avoiding care fees? For example, take a lady who … Read More >>

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