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Many people in the UK, in fact as many as one in three UK taxpayers have paid too much tax! A new `No Win No Fee` tax refund service has just been launched by Greer & Taylor LLP on a dedicated new website The Taxation People which can be found at www.thetaxationpeople.com where you can find out all the infomation need before making the decision to apply for a tax refund. The Taxation People offer a cost effective `No Win No Fee` online service, with a simple and easy to follow process they will guide every step of the way as you apply for a the refund. I would urge you to check out www.thetaxationpeople.com, where you can enlist the help of the The Taxation People who will get you the Tax Refund you are entitled to. The Taxation People are a trading name of Greer & Taylor LLP a respected and trusted accountancy service provider who is moving to provide a number of online services. Initially they are only offering 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.

The November 12 issue of Barron`s featured their "Outlook 2006" article. I always look forward to that issue because Barron`s surveys a dozen or so of the top strategists on Wall Street to get their market predictions for the coming year.

Whatever these strategists think is what the brokers of their firms will likely be touting to the public. And since whatever the public is doing is usually the wrong thing to do, a better contrary indicator you will not find.

Here are some of my observations from the article...

Of the 12 analysts surveyed, 10 think the S&P 500 index will be higher for 2006 than it is now. Bullish predictions ranged from a low of 1300 (Chip Dickson of Lehman Brothers) to a high of 1530 (Ed Keon of Prudential). A more typical bullish forecast was in the 1350-1400 range. The median forecast was for a gain of 9%.

Only 2 of the 12 think the S&P will be lower -- Richard Bernstein of Merrill Lynch (a modest decline to 1225) and Abhijit Chakrabortti of J P Morgan (a bearish 1125). Mr. Chakrabortti was the only outright bear.

They were asked to choose three of their favorite sectors for 2006. The most popular was health care, followed by technology and financials.

Only 2 of the 12 listed energy. And none of them chose basic materials (which would include gold and silver mining and commodity stocks).

They were asked to choose key themes for 2006. They were overwhelmingly partial to growth stocks over value stocks and large capitalization stocks over small capitalization stocks.

So if you want to go along with the crowd in 2006, you want to be bullish on the stock market. And your focus should be on large growth stocks in the health care, technology, and financial sectors.

But if you want to make money, you probably want to do something different. Like maybe invest in shares of small capitalization companies that are good businesses selling at bargain prices. And as far as sectors are concerned, Wall Street still seems to be ignoring the ongoing bullish prospects of energy and basic materials. That bodes well for those sectors.

Larry Holmes invites you to visit http://www.smart-money-report.com/ Your common sense guide for financial and investment success.

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