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If you have been frugal through your daily life and attempted to preserve, you are penalised because of the tax technique. You spend tax on your wages, your discounts as well as your private pension. Geoff Capes Preserving, Wages, SpendGeoff Capes arises from humble beginnings. He was born in 1949 and was one of 9 youngsters to Eileen Capes. His fa