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Many people in the UK, in fact as many as one in three UK taxpayers have paid too much tax! Greer & Taylor LLP a respected and trusted accountancy service provider has just launched a new website The Taxation People which can be found at www.thetaxationpeople.com the new online tax refund service is dedicated to getting the maximum legal tax refunds for indviduals whatever the circumstances on a `No Win No Fee` basis The Taxation People offer a online service, with a simple and easy to follow process that will guide you along the way as you get the refund you are entitled to. In the `my account` section of their site you can track the progress of your refund application and ask questions using a secure service. I would urge you to check out www.thetaxationpeople.com, where you can enlist the help of the The Taxation People who will get you the Tax Refund you are entitled to. Greer & Taylor LLP will be following up the success of their Tax Refund service The Taxation People by launching a cost effective Self Assesment Service, keep an eye on www.greer-taylor.com for more information.

Unsecured Loans
Another large garage bill makes you wonder if it`s really worth spending any more money on the car. It has reached the time in its life when it`s started to cost you in upkeep and a newer model might prove to be less bothersome. With no savings to speak of you might be considering one of the Unsecured Loans that a price comparison site has pinpointed for your needs. You looked at the Unsecured Loans a few months ago but haven`t done anything about it since. Using the website that searches for low cost loans is easy as you simply enter the loan amount that you are interested in, the time period that you need it for and the purpose of the loan. The company will also need your employment status and some information about you. An initial assessment will take place for the best quote available and once the loan comparison site has found the best quote, they`ll be in touch with you. Think about the type of car that you could get with one of the Unsecured Loans and how much cheaper it would be to run. You could even combine a few of your other smaller loans into the new one to cut down on your monthly outgoings.

The best way to avoid being hit hard by a stock market crash or another Enron/Worldcom fiasco is to make sure you don`t put all your eggs in one basket. Diversification helps ensure steady growth of your net worth as you accumulate more assets.

This idea is not limited to the stocks in your portfolio, but should include all of the components that make up your net worth. For instance, it`s OK to take $5,000 and put it in a stock you like as long as you have plenty of assets in other areas, such as home or property value, mutual funds, savings, etc... However, if you`re still in the beginning stages of building wealth, and you only have $500 in savings, and you`re renting an apartment and lease your auto, you probably don`t want to put $5,000 in one stock. A good guideline is to keep from having more than 20% of your net worth in any one asset, unless it`s your home.

Here`s a good example of a diversified net worth portfolio for someone in their 30`s:

Checking account : $2,000
Emergency savings: $5,000
Regular savings: $3,000
CDs or T-Bills: $5,000
Growth stocks: $5,000
Net value of vehicles: $7,500
401(k) plan: $15,000
Equity in home: $20,000
Other Tangible Net Assets: $10,000

Of course, the amounts will be more or less, depending on your age & situation in life.

Also, don`t forget to protect your net worth with some long-term disability and/or life insurance, even if you`re young. Following this simple guideline will hopefully help you reach your retirement goals.

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