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Many people in the UK, in fact as many as one in three UK taxpayers have paid too much tax! The Taxation People, are a forward thinking online accountancy service that specialise in helping people who might be eligible for a tax refund. They offer a online service, with a simple and easy to follow process that will get you the refund you are entitled to. I would urge you to check out The Taxation People, where if you have been or are currently employed The Taxation People can help you get a Tax Refund. The Taxation People are a trading name of Greer & Taylor LLP a respected and trusted accountancy service provider who offers a number of online services. Initially they are only offeering the Tax Refund service that can be found at www.thetaxationpeople.com, but Greer & Taylor LLP are about to lauch a cost effective Self Assesment Service, keep an eye on www.greer-taylor.com for more information.

Homeowner Loans
Another bill has just landed through the letterbox and your still haven`t paid the monthly direct debt to the utility firm. You`ll have to sort out funds for your credit cards next week and then there are the catalogue payments to make. It`s the same story each and every month where you struggle to keep on top of your regular payments. Having taken out dribs and drabs of loads over the last few years you now have to pay a number of companies back. What if you could amalgamate all of your loans into one fixed monthly payment? Suppose you could reduce the amount that you pay each month by spreading the payments over a longer period of time. Look into the various Homeowner Loansthat are available at the moment and you could end up paying less in repayments each and every month. Price comparison sites are the places to look if you want one of the Homeowner Loans. They`ll scour the marketplace searching for Homeowner Loansthat will suit your individual needs. Combine all of your debts into one slightly larger loan amount and you should have more money each month that can be put away for a rainy day.

(NC)?Are you a risk-averse investor? Do you fear losing any of your initial investment? Do you rely on your investments as a source of fixed-income? Do you want an investment that provides the flexibility to redeem it should the need arise? If you answered yes to any of these questions, term investments would make an excellent addition to your portfolio.

Term investments, such as Guaranteed Investment Certificates (GICs) and term deposits, fully guarantee your initial investment and provide a stable, predictable rate of return. These types of investments can be converted into cash and are some of the safest investment options available.

There is a broad selection of term investment products to choose from to meet everyone`s investment needs. Term investments are designed to help reach short-term financial goals, such as buying a car or planning a family vacation, as well as to add safety and diversity to your long-term investment portfolio. They are also good investment vehicles for Registered Retirement Savings Plans (RRSP), a Registered Education Savings Plan (RESP) or held in a Registered Retirement Income Fund (RRIF).

"Whether you are a novice or experienced investor, term investments are a smart and sound component of any well diversified portfolio," says Julie Sheen, Vice-President, BMO Term Investments. "And there is something for everyone. Your local bank branch can

help you to not only determine which products are best suited for you, but also what portion of term investments you should incorporate into your portfolio."

The important point to remember is that no matter what your investment objectives, every portfolio should have an element that is risk-free.

Information provided by BMO Bank of Montreal. For more information visit www.bmo.com.

- News Canada