How much money do you think you’ll need to receive each year of your retirement? According to the investment manager Schroders, working people in the UK aged 55 and over believe this figure would equate to 66% of their current income, but the reality according to UK...read more
Do you want to provide valuable life cover and financial security for your employees and your family in a tax efficient manner? A Relevant Life Plan could be the answer. What is a Relevant Life Plan?A Relevant Life Plan is an individual ‘death in service’ life policy...read more
Have you thought about how your cash flow could be affected if something were to happen to a director, owner or key employee?How would your creditors react?It may be that one of your company directors stands as the guarantor for your company’s loans. If they were to...read more
Thousands of people with interest-only mortgages expiring this year do not have a repayment plan - putting their homes at serious risk of repossession. An estimated 81,400 mortgages will come to an end in 2019, totalling around £9.2bn in value, according to...read more
You’ve decided to take the plunge and get onto the property ladder, having swapped fun and frivolity for fastidious frugalness to save the deposit. But what can you do to boost your chances of getting your first mortgage?Check and correctThe three main credit...read more
Help to Save is a government savings account aimed at an estimated 3.5m people on low incomes. The scheme pays a bonus of 50p for every pound saved over four years, representing better value compared to the 1 - 2 per cent returns on savings bonds offered by high...read more
Whether you’re renovating your home because it’s too expensive to move, or you’ve only just bought the place and you’re keen to make your mark, it’s important to stick to jobs that will add value rather than risk reducing its future sale price.Before you embark on...read more
Generally speaking, and subject to investment charges and performance, the more you save and the earlier you start saving the better shape your finances are going to be in when you need to draw on them.So why is it then that many of us are reluctant to put money aside...read more
When he was younger one of my son’s favourite questions was; “if you could have any super power, what would it be?” He loved the idea of being a Superhero.I think, deep down, we all like the idea of being a Superhero. Being able to do things others can’t; amazing...read more
We’ve scoured the global news headlines to recap the most significant geopolitical and economic events which took place in the second quarter of 2018, as Donald Trump’s unconventional approach to foreign policy sent mixed signals to the financial markets. UK Brexit...read more
What’s the point of a property survey? You're not bound by law to have a survey done on a property you're buying, but while it may feel like an unnecessary expense given all the other costs involved in homebuying, it could actually save money and stress in the...read more
In a longer than usual Budget speech, and in a slightly more jocular than usual mood, the Chancellor laid out the government’s vision for post-Brexit Britain. With a raft of measures aimed at shoring up businesses, infrastructure and the health service, Mr Hammond...read more
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