Q. I have heard of "Home Responsibilities Protection" being quoted in various articles about the State Pension. What is this? A. Very simply, it is a way of crediting years to people (usually women) who are, for example, looking after children or sick relatives. One of these years is taken away from the number of [...]
UK Dentistry Review Top 10 Observations from Chris Barrow
UK Dentistry – 2007 Predictions
A few days ago Arun Mehra of Samera shared his review of dentistry in 2006. Here he looks ahead with the Samera 2007 Crystal Ball Gazing. We have reviewed the year gone by, and now look ahead to what the future holds in 2007. I think 2006 represented massive change in the sector, and personally [...]
Dentistry Review 2006 – New Contract, Incorporation…
Arun Mehra of specialist dental accountants Samera recently gave us his 2006 review of goings on in dentistry. Over to Arun… It’s the time of year where I put fingers to keyboard, evaluate the year gone by, the changes, the missed opportunities, the ups and the downs in the dental business world! 2006 has been [...]
Dental Associates – Income Stream or Cost Stream?
This question has bugged me the day ever since I entered the world of dentistry, and is a question I get often asked by principal dentists: should they employ associates in their practices…and if so, at what percentage? The easy answer for me is “It depends.” In the last few weeks, I have met with [...]
Product Selling vs Financial Planning
There are really only two types of services you can choose from when getting help with planning your finances, although some financial advisers do not offer both. The key question you should ask yourself is which one is best: Financial Advice or Financial Planning? Clients that get financial advice often end up treating their financial [...]
Financial Planning Ideas and Strategies for UK Resident Doctors & Dentists
For the last 12 years I’ve been helping UK resident doctors and dentists with all aspects of their financial planning. My colleague and partner in crime on this site, Graeme Urwin, has been doing the same for about 20 years. So I suppose between us we’ve got a pretty good idea as to what works when [...]



