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KEEPING YOU IN TOUCH - YOUR FREE MONTHLY NEWSPAPER DELIVERED DOOR-TO-DOOR FOR 31 YEARS


MORTGAGE SERVICES LTD Independent Mortgage Advice


Office: 01900 821 713 Mobile: 07713 711 218


Brian Sloan


brian@cumbriamortgages.co.uk www.cumbriamortgages.co.uk


I will get you a ‘Made to Measure Mortgage’ CUMBRIA INDEPENDENT


9 Main Street, Cockermouth, CA13 9LE


TOO GOOD TO BE TRUE? ~ CITIZENS ADVICE ALLERDALE~


“I’ve seen a new property advertised which I’d like to rent and am thinking about putting a holding deposit down. However, the rent is really cheap, so should I be worried it’s a scam?”


You’re right to be cautious if the rent is a lot cheaper than the market rate. Don’t be hurried into paying a deposit before you view the property and look at your tenancy agreement.


Viewing the property is important - not least so that you can see if it’s as advertised. If the landlord refuses, or is evasive, take this as a possible warning sign they are not legitimate. Even if you have seen the property, it’s still important to check your tenancy agreement carefully.


You should expect your tenancy agreement to give the name and address of the landlord, along with their contact details. Ask for this information to be added if it’s not already included.


If no contract is provided, or information


on your landlord is missing, this is another red flag that the letting could be a scam.


Finally, it’s a good idea to see if the landlord is a member of a professional landlord association or is accredited by the local council. Membership isn’t compulsory, but it will mean they are legitimate and will operate to a minimum standard.


Trust your instincts and if in any doubt, don’t part with your money.


For further help on identifying possible scams contact Citizens Advice Allerdale, Town Hall, Oxford Street, Workington on 01900 604735, visit our website at www.citizensadviceallerdale.org.uk. or call the Citizens Advice consumer service on 03454 04 05 06.


LET’S TAX OUR EXPORTS AND MAKE OUR COUNTRY GREAT! Let me lay my cards on the table. He may be


President of the United States, but Trump the Chump is how I refer to him. Nowhere, is his thinking more muddle-headed than in international trade. It is a simple arithmetical fact that the economic impact of imposing a tax on an import is exactly the same as imposing a tax on an export. Anyone with an A-level in economics can explain this basic fact to the President, not that he will want to listen.


Exports and imports are two sides of the same coin, with the exchange rate acting as the middleman. For example, in Britain’s dealings with the EU, we like to drive BMWs and in exchange, we pay for those primarily by providing services such as banking and insurance. We are world leaders in those fields


CONSIDERED WORDS BY OAKTREE ACCOUNTANCY


in the same way that Germans are great at making cars.


By imposing extra taxes on imports to the USA, Trump is ultimately reducing the value of exports the USA can make to the rest of the world, even if other countries do not retaliate. Naturally though, other countries and trading blocs such as the EU are retaliating. Overall, this simply increases the cost of doing business across the world and either leads to higher prices, or lower trade levels.


So, one benefit we will see in this country if


Brexit is done properly – which admittedly looks highly unlikely, is lower food prices. The EU maintains high food tariffs, this is in my view morally unjustifiable, as it transfers money from very poor countries such as in Africa, to rich countries in Europe, because the tariffs price many African crops out of the European market.


Back to Trump! There is real danger in what he is doing, and it is called a recession, or worse. Lower volumes of global trade due to higher tariffs, are in the end bad for everyone. That’s why world stock markets drop every time a new menu of higher tariffs is announced by the USA, China or the EU. So, get rid of the tariffs to make America great again, Chump!


Chris MacLeod BOOST YOUR BOTTOM LINE WITH A FIXED PRICE ACCOUNTANT


Proactive, quality accountancy support for your business First Two Months FREE with Oaktree!


Chris MacLeod ICPA INFO@THECOCKERMOUTHPOST.CO.UK


Call Chris for a free chat on 07889 181 080or 01900 268 086 www.oakacc.co.uk ISSUE 427 | 19 JULY 2018 | 20


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