Guest article by Elaine Clark of Cheapaccounting.co.uk

Some time ago I wrote an article trying to help the millions of UK tax payers who had received an unexpected tax demand from HM Revenue and Customs. Two years later and it seems that not paying the correct tax is still a huge problem, with over five million receiving a letter from HMRC in the next few days to this effect. Of those, over two million have not paid enough tax and will be receiving a tax demand from HMRC.

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The heavy rain is moving from the south of England to the north west and bringing disruptive flooding in its wake. As anyone who's been flooded knows, it often means many months of clearing up, drying out and repairing your property. What do you need to know about buying insurance and making a claim? Here are five tips.

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If your property is flooded there may be only a few hours' warning and when most properties are flooded the damage is caused by relatively small amounts of flood water – often just a few inches. Many of us will never experience flooding – thankfully – but if you're at risk of flooding it's worth making sure you're prepared.

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