<?xml version="1.0" encoding="UTF-8"?><rss xmlns:dc="http://purl.org/dc/elements/1.1/" xmlns:content="http://purl.org/rss/1.0/modules/content/" xmlns:atom="http://www.w3.org/2005/Atom" version="2.0"><channel><title><![CDATA[Spend Time Ltd]]></title><description><![CDATA[Spendtime]]></description><link>https://www.spendtimefp.com/news-updates</link><generator>RSS for Node</generator><lastBuildDate>Fri, 04 Sep 2026 15:15:45 GMT</lastBuildDate><atom:link href="https://www.spendtimefp.com/blog-feed.xml" rel="self" type="application/rss+xml"/><item><title><![CDATA[HMRC letter about dividends]]></title><description><![CDATA[Some of our clients – especially those with General Investment Accounts (GIAs) or individual shareholdings – may have recently received letters from HMRC. These are part of a campaign encouraging people to double-check their Self Assessment tax returns for dividend income. Here's what's going on, and what you need to do.]]></description><link>https://www.spendtimefp.com/post/hmrc-letter-about-dividends</link><guid isPermaLink="false">68f6664ea6f2484f3c9c10e4</guid><category><![CDATA[Tax]]></category><category><![CDATA[Investment]]></category><category><![CDATA[2025]]></category><pubDate>Mon, 20 Oct 2025 17:04:06 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/nsplsh_6b414a4c52517774357959~mv2_d_7942_5366_s_4_2.jpg/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Michael Roberts FPFS</dc:creator></item><item><title><![CDATA["I'm too old to be a long term investor"]]></title><description><![CDATA[One of the key considerations we have when, following the creation of a detailed Financial Plan for a client, we recommend investing, is to consider how long the money will be invested  before it's needed. Here we consider why age is often not a significant factor.]]></description><link>https://www.spendtimefp.com/post/i-m-too-old-to-be-a-long-term-investor</link><guid isPermaLink="false">68b866d49c892374b0b05cde</guid><category><![CDATA[IHT]]></category><category><![CDATA[Estate Planning]]></category><category><![CDATA[Investment]]></category><category><![CDATA[Life Planning]]></category><category><![CDATA[Investing Truths]]></category><category><![CDATA[Financial Planning]]></category><category><![CDATA[2025]]></category><pubDate>Wed, 03 Sep 2025 16:50:37 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/nsplsh_4669496758794333743834~mv2.jpg/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Michael Roberts FPFS</dc:creator></item><item><title><![CDATA[Winter Fuel Payment]]></title><description><![CDATA[The Winter Fuel Payment has received a lot of publicity over the last 12 months. Here we look at what it is, who can receive it, and summarise the recent changes.]]></description><link>https://www.spendtimefp.com/post/winter-fuel-payment</link><guid isPermaLink="false">68b0642df8a40ddf7544176b</guid><category><![CDATA[Retirement]]></category><category><![CDATA[Tax]]></category><category><![CDATA[State Pension]]></category><category><![CDATA[Money]]></category><category><![CDATA[Financial Planning]]></category><category><![CDATA[2025]]></category><pubDate>Thu, 28 Aug 2025 14:56:08 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/nsplsh_523553726d5a506f4f3430~mv2_d_3000_2000_s_2.jpg/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Michael Roberts FPFS</dc:creator></item><item><title><![CDATA[Reporting Capital Gains for 2024-25]]></title><description><![CDATA[In the Budget on 30th October 2024, there were some announcements about changes to Capital Gains Tax which were effective immediately. In this article we'll look at what changed, and how you can report your gains in the most effective manner.]]></description><link>https://www.spendtimefp.com/post/reporting-capital-gains-for-2024-25</link><guid isPermaLink="false">68752f8449b18336a60535f3</guid><category><![CDATA[Tax]]></category><category><![CDATA[Investment]]></category><category><![CDATA[Property]]></category><category><![CDATA[2024]]></category><category><![CDATA[2025]]></category><pubDate>Mon, 14 Jul 2025 16:57:05 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/nsplsh_d404f80904c54a4588c0fc4898ed85a4~mv2.jpg/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Michael Roberts FPFS</dc:creator></item><item><title><![CDATA[How taper relief applies to gifts]]></title><description><![CDATA[Michael explains how taper relief applies when you make a gift.]]></description><link>https://www.spendtimefp.com/post/how-taper-relief-applies-to-gifts</link><guid isPermaLink="false">67ec295af9329bec87a9acfa</guid><category><![CDATA[IHT]]></category><category><![CDATA[Estate Planning]]></category><category><![CDATA[Tax]]></category><category><![CDATA[Financial Planning]]></category><category><![CDATA[Explainer]]></category><category><![CDATA[2025]]></category><pubDate>Tue, 25 Mar 2025 00:00:00 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/nsplsh_209028188e9740b494d3a0d7f7074ee5~mv2.jpg/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Michael Roberts FPFS</dc:creator></item><item><title><![CDATA[Now's a great time to gift]]></title><description><![CDATA[How to maximise the IHT Annual Exemption to Gift £9,000 (or £18,000 for a couple): A Step-by-Step Guide]]></description><link>https://www.spendtimefp.com/post/now-s-a-great-time-to-gift</link><guid isPermaLink="false">67c895924a016f063aa83384</guid><category><![CDATA[Retirement]]></category><category><![CDATA[Tax]]></category><category><![CDATA[IHT]]></category><category><![CDATA[Estate Planning]]></category><category><![CDATA[Explainer]]></category><category><![CDATA[2025]]></category><pubDate>Wed, 05 Mar 2025 19:05:00 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/nsplsh_f4cfce99458e40df84cfbe959a30dc6c~mv2.jpg/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Michael Roberts FPFS</dc:creator></item><item><title><![CDATA[IHT on pensions]]></title><description><![CDATA[All pension funds will soon be subject to IHT on death. Michael explains the potentially significant impact this will have for many.]]></description><link>https://www.spendtimefp.com/post/iht-on-pensions</link><guid isPermaLink="false">673cc5a25c97e769e2eecd7a</guid><category><![CDATA[Tax]]></category><category><![CDATA[IHT]]></category><category><![CDATA[Estate Planning]]></category><category><![CDATA[Pension]]></category><category><![CDATA[Financial Planning]]></category><category><![CDATA[2024]]></category><pubDate>Wed, 20 Nov 2024 11:21:44 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/nsplsh_7a2f5947cc0649a2b593c516a2adfbf3~mv2.jpg/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Michael Roberts FPFS</dc:creator></item><item><title><![CDATA[Paying tax on savings interest]]></title><description><![CDATA[How to report and pay any tax that may be due on savings interest.]]></description><link>https://www.spendtimefp.com/post/paying-tax-on-savings-interest</link><guid isPermaLink="false">66d983c68b97221d0bc735b2</guid><category><![CDATA[Tax]]></category><category><![CDATA[Investment]]></category><category><![CDATA[Money]]></category><category><![CDATA[2024]]></category><pubDate>Thu, 05 Sep 2024 10:39:20 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/e9d68e_7d17b94812b540b19ae29609c80abee2~mv2.jpg/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Michael Roberts FPFS</dc:creator></item><item><title><![CDATA[Season's Greetings from Spend Time]]></title><description><![CDATA[Seasons greetings (and a quick update) from Spend Time.]]></description><link>https://www.spendtimefp.com/post/season-s-greetings-from-spend-time</link><guid isPermaLink="false">6578103a2b60f0ca625bbf2c</guid><category><![CDATA[Lifestyle]]></category><category><![CDATA[General]]></category><category><![CDATA[Spend Time News]]></category><category><![CDATA[2023]]></category><pubDate>Tue, 12 Dec 2023 17:24:42 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/e9d68e_4750c960a8164e09a4dc3925657c9441~mv2.png/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Michael Roberts FPFS</dc:creator></item><item><title><![CDATA[We're feeling proud today. Here's why...]]></title><description><![CDATA[We're feeling proud of ourselves today. Here's why...]]></description><link>https://www.spendtimefp.com/post/we-re-feeling-proud-today-here-s-why</link><guid isPermaLink="false">6525032a06b353424d9d340a</guid><category><![CDATA[Financial Planning]]></category><category><![CDATA[Spend Time News]]></category><category><![CDATA[Spend Time support]]></category><category><![CDATA[2023]]></category><pubDate>Mon, 09 Oct 2023 23:00:00 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/e9d68e_c3f87e549b7547ecade731986fbb0ced~mv2.jpg/v1/fit/w_842,h_717,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Vicki Watts</dc:creator></item><item><title><![CDATA[Protect your home from fraud]]></title><description><![CDATA[Effects of property fraud can be devastating. HM Land Registry's free property alert service could help avoid becoming a victim.]]></description><link>https://www.spendtimefp.com/post/protect-your-home-from-fraud</link><guid isPermaLink="false">64f825996e748cc33da79ec2</guid><category><![CDATA[Buy to Let]]></category><category><![CDATA[Property]]></category><category><![CDATA[General]]></category><category><![CDATA[Money]]></category><category><![CDATA[Financial Crime]]></category><category><![CDATA[Fraud]]></category><category><![CDATA[2023]]></category><pubDate>Wed, 06 Sep 2023 09:38:01 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/nsplsh_f8dd385ff51a4e7ebad8261abb1f5463~mv2.jpg/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Michael Roberts FPFS</dc:creator></item><item><title><![CDATA[Spend Time planting a tree from us]]></title><description><![CDATA[Can you give a home to a tree from Spend Time?]]></description><link>https://www.spendtimefp.com/post/spend-time-planting-a-tree-from-us</link><guid isPermaLink="false">64b6b5ead4ac757c5d242935</guid><category><![CDATA[Lifestyle]]></category><category><![CDATA[General]]></category><category><![CDATA[Spend Time News]]></category><category><![CDATA[2023]]></category><category><![CDATA[Environmental Issues]]></category><pubDate>Tue, 18 Jul 2023 16:15:32 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/11062b_8a25f8d7e46a43a3b56c455904fdf053~mv2.jpeg/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Vicki Watts</dc:creator></item><item><title><![CDATA[Client portal upgrade]]></title><description><![CDATA[We've upgraded our secure client portal.]]></description><link>https://www.spendtimefp.com/post/client-portal-upgrade</link><guid isPermaLink="false">64777c7abb7884dd9f0e12af</guid><category><![CDATA[2023]]></category><category><![CDATA[Spend Time support]]></category><category><![CDATA[Spend Time News]]></category><pubDate>Wed, 31 May 2023 18:02:25 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/nsplsh_6371464b687176364f6e67~mv2_d_5472_3648_s_4_2.jpg/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Michael Roberts FPFS</dc:creator></item><item><title><![CDATA[Spring Budget Summary]]></title><description><![CDATA[A summary of the 2023 Spring Budget.]]></description><link>https://www.spendtimefp.com/post/spring-budget-summary</link><guid isPermaLink="false">6411f95a16f7c2eb1571b540</guid><category><![CDATA[2023]]></category><category><![CDATA[Budget]]></category><category><![CDATA[Financial Planning]]></category><category><![CDATA[Pension]]></category><category><![CDATA[Money]]></category><category><![CDATA[Tax]]></category><pubDate>Wed, 15 Mar 2023 17:21:03 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/nsplsh_315a3751445a7154325151~mv2.jpg/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Michael Roberts FPFS</dc:creator></item><item><title><![CDATA[A Christmas message from Spend Time]]></title><description><![CDATA[Instead of sending cards, once again this Christmas we have chosen to support a local cause -  First Days Children’s Charity – whose work...]]></description><link>https://www.spendtimefp.com/post/a-christmas-message-from-spend-time</link><guid isPermaLink="false">63a053a6f50c453ba3f3d43c</guid><category><![CDATA[2022]]></category><pubDate>Mon, 19 Dec 2022 13:07:04 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/e9d68e_2f68482c822247e199786ec66cf15982~mv2.png/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Michael Roberts FPFS</dc:creator></item><item><title><![CDATA[Cash - are interest rates interesting again?]]></title><description><![CDATA[Whilst cash is not usually a suitable home for money that is expected to be sitting around for the longer term, we usually recommend...]]></description><link>https://www.spendtimefp.com/post/cash-are-interest-rates-interesting-again</link><guid isPermaLink="false">637349d2895495a3345f52a0</guid><category><![CDATA[Tax]]></category><category><![CDATA[Investment]]></category><category><![CDATA[General]]></category><category><![CDATA[Money]]></category><category><![CDATA[Financial Planning]]></category><category><![CDATA[2022]]></category><pubDate>Tue, 13 Dec 2022 15:31:14 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/nsplsh_374a6f584e526278365167~mv2_d_4912_3264_s_4_2.jpg/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Michael Roberts FPFS</dc:creator></item><item><title><![CDATA[Autumn Statement Summary]]></title><description><![CDATA[The Chancellor of the Exchequer Jeremy Hunt delivered his Autumn Statement to Parliament yesterday, following several weeks of commentary...]]></description><link>https://www.spendtimefp.com/post/autumn-statement-summary-1</link><guid isPermaLink="false">6377329c306908fbdbcbaf67</guid><category><![CDATA[Tax]]></category><category><![CDATA[Money]]></category><category><![CDATA[Budget]]></category><category><![CDATA[2022]]></category><pubDate>Fri, 18 Nov 2022 10:12:04 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/nsplsh_5513bcaf5a93424b9c60b68ba7447e77~mv2.jpg/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Michael Roberts FPFS</dc:creator></item><item><title><![CDATA[Lending a helping hand in times of vulnerability]]></title><description><![CDATA[From time to time, every one of us may be able to describe ourselves as ‘vulnerable’ for one reason or another; indeed, The Financial...]]></description><link>https://www.spendtimefp.com/post/lending-a-helping-hand-in-times-of-vulnerability</link><guid isPermaLink="false">636378b347dd2ea3312756f4</guid><category><![CDATA[Lifestyle]]></category><category><![CDATA[Life Planning]]></category><category><![CDATA[General]]></category><category><![CDATA[Money]]></category><category><![CDATA[Financial Planning]]></category><category><![CDATA[Spend Time News]]></category><category><![CDATA[2022]]></category><category><![CDATA[Spend Time support]]></category><pubDate>Thu, 17 Nov 2022 11:51:01 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/nsplsh_b0514ecbba0a4a7980652c38da25e8c7~mv2.jpg/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Vicki Watts</dc:creator></item><item><title><![CDATA[Latest Tatton Video Update now live]]></title><description><![CDATA[Regular readers will know that one of our favourite investment managers, Tatton Investment Management, publish regular video updates to...]]></description><link>https://www.spendtimefp.com/post/latest-tatton-video-update-now-live</link><guid isPermaLink="false">637340052f23f84f94a6809f</guid><category><![CDATA[Money]]></category><category><![CDATA[Explainer]]></category><category><![CDATA[Investment]]></category><pubDate>Tue, 15 Nov 2022 00:00:00 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/e9d68e_4bc1c4c2521b42da9e4fed2f89852a18~mv2.png/v1/fit/w_712,h_566,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Michael Roberts FPFS</dc:creator></item><item><title><![CDATA[Mini-Budget - 2 minute guide (Updated)]]></title><description><![CDATA[A quick summary of today's mini-budget.]]></description><link>https://www.spendtimefp.com/post/mini-budget-2-minute-guide</link><guid isPermaLink="false">632d8edaafde92f36220406c</guid><category><![CDATA[Tax]]></category><category><![CDATA[Property]]></category><category><![CDATA[Pension]]></category><category><![CDATA[General]]></category><category><![CDATA[Money]]></category><category><![CDATA[Budget]]></category><category><![CDATA[2022]]></category><pubDate>Fri, 23 Sep 2022 11:17:48 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/nsplsh_57315934595f4442474b77~mv2_d_3869_5950_s_4_2.jpg/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Michael Roberts FPFS</dc:creator></item></channel></rss>