December 2011
BBT Asset Management, BBT Mortgages & Insurances, BBT Estate Planning, BBT Healthcare
Services, BBT Annuities and BBT Online Trading are trading styles of Bebbington Brumby
Townend Group Ltd, which is an appointed representative of TenetConnect Ltd, which
is authorised and regulated by the Financial Services Authority (FSA). TenetConnect
Ltd is entered on the FSA register www.fsa.gov.uk/pages/register under reference
149826. The Financial Services Authority do not regulate all forms of estate planning.
For investment advice we recommend products for the whole of the market. Bebbington
Brumby Townend Group Ltd is registered in England & Wales number 3489429. Registered
office address: Crawford House 96A Barnsley Road Sandal Wakefield WF1 5NP.
Welcome to ‘In Contact’, BBT Group’s e-
In this issue we look ahead to 2012, provide an update on the Hutton Report, and discuss increased ISA allowances, will writing, interest rates, the state pension, household finances, energy bills and keeping warm, banking changes, house prices and developments at the Teachers’ Retirement Agency.
Please remember that you can find useful planners, calculators and other financial
information on the ‘Planning Zone’ section of our website. These are free to access
and may be helpful for other family members, friends and colleagues, who can also
subscribe to receive our e-
We hope you enjoy this issue of ‘In Contact’ and welcome any ideas and feedback you might have on future editions, which can be sent to our communications team at newsletter@bbtgroup.co.uk
In the meantime, we would like to take this opportunity to wish you a very happy, healthy and prosperous New Year.
Yours sincerely,
Tim Brumby and Gordon Townend
Directors
Looking ahead to 2012
Volatility best describes the state of global markets over the last year ...
>> Full story
Hutton Report and changes to the Teachers’ Pension Scheme
In our last update we reported
on potential changes to the Teachers’ Pension Scheme based on Lord Hutton’s recommendations
...
>> Full story
Increased ISA allowances
It’s worth remembering that the upper limit on the sum that can be saved in an Individual Savings Account (ISA) has risen ...
>> Full story
Thousands ‘ripped off’ by unregulated will writers
Will writing, divorce and employment services can be provided by unregulated companies.
>> Full story
Interest rates to remain unchanged say economists
A majority of economists polled by the BBC expect interest rates to remain unchanged until next year.
>> Full story
Longer wait for State Pension
Eight million people aged under 52 will have to work longer because of moves to introduce a state pension age of 67 earlier than planned.
>> Full story
Almost 40% of households saw their finances deteriorate this year ...
according to a survey by the financial information company, Markit.
>> Full story
Fuel poverty affecting one in five households
More than a fifth of all households in the UK are affected by fuel poverty, government figures have shown.
>> Full story
Teachers’ Retirement Agency
Many of you will have first been introduced to BBT Group through attending one of the Teachers’ Retirement Agency ...
>> Full story
Keeping warm this winter
Age UK offers some useful advice on how to keep warm during the cold winter months ...
>> Full story
State backed Lloyds Banking Group ...
... has once again been named as the most-
>> Full story
House prices increased by 0.4% in November ...
...and the price of a typical home is 1.6% higher than one year ago ...
>> Full story
Barclays’ basic account customers face fee increase
Basic bank account holders at Barclays face more frequent charges if they fail to
have sufficient funds ...
>> Full story
