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Personal debt levels are at the highest they have ever been and are getting worse. This is partly fuelled by the credit bonuses paid to branch staff for every loan and credit card granted, and bonuses

We have a sound understanding of the needs and problems of the sector as a whole , as well as a detailed knowledge of the regulatory framework. We appreciate that even charities with similar objects face their own unique problems and opportunities.

Red Star Financial Services | Coming Soon.

John Spibey Associates is a small sized Accountancy practice based in Whitefield, Manchester. We became established in 1987 and has over 24 years experience of growing businesses and offering advice. Over this period we have significantly increased our client base by offering a high level of expertise and experience. We offer a comprehensive range of services, covering accountancy and audit through to taxation and payroll. We cater for the following industries: •Dental Laboratory and Dental Practises. •Doctors and Doctor's Practises •Property Maintenance and Property Rental. •Subcontractors in the Construction Industry. •Child Day Care Nurseries. •Taxi Drivers. •Fast Food Outlets. •Garages and Second Hand Car Dealers. •Clubs and Societies. •Hair and Beauty Salons. •Insurance Brokers •in fact the list is truly diverse. We are sure that we have some experience in your industry. We believe in maintaining a close and regular contact with our clients by guiding them through the accounts and financial aspects of their business in a straightforward manner. John Spibey and his staff have vast experience in many areas of taxation, finance, accountancy and business advice over a wide range of businesses, from corporate clients and property investors, to individuals and smaller companies. Partner Profiles: John Spibey entered into accountancy after college in 1977. His training and experience was gained initially from small provincial chartered accountants practises, then on to much larger Manchester City Centre based firms. In 1987 he left employment to start his own business and still retains many clients from those early days. His ethos has always been 'the personal touch'.

If you have been reading the newspapers or watching the television, you will be well aware of the controversy surrounding what is currently happening to your pension funds in terms of the fees and charges being applied by the pension companies, and the returns on investment being poor. We want to reward everyone of our new clients with a cash reward payment. ‘Guaranteed’ payment is a word we do not use lightly. At Unite pensions, all our investment products have been structured to allow us to deliver market leading returns, within a solid asset backed structure, giving our clients a high yield guaranteed return on investment. Our aim as a business is to help all our clients get to the very best positions turning their potentially under performing pensions into high yield savings funds with no upfront personal cost. By identifying what you have, where you have it, and what your current pension could do for you versus what it is doing now, Unite pensions can guarantee all our products will deliver the returns advertised, and reduce the amount of fees and charges you are currently paying by utilising our Partners’ fund management experience.

DEFINITION OF PROMISSORY NOTE AND BILLS OF EXCHANGE: PROMISSORY NOTE - a promise or engagement, in writing, to pay a specified sum at a time therein limited, or on demand, or at sight, to a person therein named, or to his order, or bearer. BYLES, Bills, 1,4;5 Denio, 484 a written promise made by one or more to pay another, or order, or bearer, at a specified time, a specific amount of money, or other articles of value.Code GA 1882 / 2774 A promissory note is an instrument negotiable in form , whereby the signer promises to pay a specified sum of money.Civil Code Cal 3244 An unconditional written promise, signed by the maker, to pay absolutely and at all events a sum certain in money, either to the bearer or to a person therein designated, or his order. Benj. Chalm. Bills & N.Art 271

ACCOUNTANCY FOR SOLE TRADER,PARTNERSHIPS AND LIMITED COMPANIES

Burgess Bowen Financial Management is a company dedicated to helping people get out of debt. It is our mission is to help you formulate a plan that will enable you to clear your debts in the shortest possible timescale. In short, we’re here to help people work towards a future free from debt. We understand how stressful your financial situations may be and that’s why we offer the best advice and our professional services to help people get their finances back on track. log onto www.BurgessBowen.co.uk for more information and to read some of our reviews.

Authorised & regulated by the Financial Services Authority

The AKS culture is clear: a simple philosophy that practical problems demand practical accountancy solutions. Turn to us for no-nonsense, straight talking business and accounting advice – you’ll be talking to some of the best qualified and most experienced accountants around. But we also have years of practical, hands-on experience at the sharp end of business, so we know what accountancy solutions work across sectors as diverse as retail and manufacturing. No business is too small or too big for us. RESPONSIVENESS – our do-it-now policy avoids delays, frustrations and ultimately, money. PROACTIVE ADVICE – when it’s needed we offer incisive business and accounting advice that will make a big difference to your business. Benefit from our years’ of industry experience. PERSONAL SERVICE – close client relationships ensure genuine personal service. COMFORT FACTOR – AKS is a comfortable fit for businesses of all sizes – whether you’re a start up or a multi-national. JARGON-FREE – we use plain English, free from baffling jargons. This is the AKS Culture and the AKS promise. This is why we’ve built a strong and loyal portfolio of clients across the North West, who choose AKS not just as their accountants, but as invaluable, trusted business advisors and providers of accountancy solutions.

Parkview Mortgages advise on all types of mortgages and are experts in large mortgage loans, and complex funding. We offer; •A professional mortgage and insurance advice service. •We search the whole mortgage market for the mortgage product that best suits your needs. •We offer advice on insurance products from a range of providers and insurance types. •The advice we provide is impartial and we are not tied to any lender or insurance provider. If you are looking to protect your monthly mortgage payments, or want to insure the contents of your home or arrange life cover, we can offer advice on products from a range of providers. If you have commercial insurance why not contact us to see if we can save you money on your existing insurance policies. If you want to find out more about how we may be able to help you, call us on 0161 773 1069 or email pat@parkviewmortgages.co.uk Alternatively log onto our web site www.parkviewmortgages.co.uk and fill in one of our enquiry forms. Parkview Mortgages is an Appointed Representative of Pink Home Loans. Pink Home Loans is a trading name of Advance Mortgage Funding Limited which is authorised and regulated by the Financial Conduct Authority. The Financial Conduct Authority does not regulate some forms of Buy to Let, Commercial Mortgages and Secured Loans. Your home may be repossessed if you do not keep up repayments on your mortgage. There may be a fee for mortgage advice, the precise amount will depend on circumstances but we estimate it to be £195, we will receive commission from the lender.