Blog

Buy to Let Mortgage Market Changes


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The UK’s Buy to Let market is in a state of flux, with an extra 3% Stamp Duty on the purchase of additional properties and changes to the way a landlord’s income is taxed. Landlords used to be able to deduct all finance costs from their rental income, with net profits taxed at their marginal […]

Lasting Power of Attorney


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A will deals with matters in the event of your death, but what if you became unable to handle your affairs while still alive? As you get older, a physical or mental illness could affect your ability to manage personal affairs. If the prospect of this worries you, you should consider setting up a Lasting […]

Are Cash ISAs worth the investment?


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After the Bank of England (BoE) cut interest rates to reassure the market following the Brexit vote, cash ISA returns plummeted. According to Telegraph Money cash ISA returns fell by as much as 35% in the six months after the BoE’s decision. A quick Google shows the best rates on offer currently are just over […]

A Sporting Chance


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Are you one of the one in three parents who worry about the risk of serious injury from school sports? Research from MetLife has found that one third of parents with school age children are concerned about serious injuries from sport – and there could be real reasons to be worried. The research shows that: […]

What’s the cost of a comfortable retirement?


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Have you ever stopped to think about the monthly income you’d need to provide for a comfortable retirement? If you’re thinking it would be the equivalent of your current salary you’ve probably overestimated. Remember, by the time you retire, you will hopefully have paid off your mortgage, your kids (if you had them) will have […]

Don’t Pay For Your DIY Disasters


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Are you covered if your DIY goes awry? With a free supply of hints, tips and video guides available at the click of a button, you might feel confident about saving a bit of money and tackling tasks that you would otherwise leave to an expert. Before you get started though, it’s worth bearing in […]

The Value of Mortgage Advice


The Value of Mortgage Advice

With so many mortgage lenders offering their products on the high street and online, it can be tempting to cut out the middleman and ‘go direct’. When you’re making such a huge financial commitment, the guidance you can get from a qualified mortgage adviser can be invaluable. Here are five reasons we can make a […]

Simple ways to cut your spending


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Most of us would like to reduce our outgoings and put a bit more money away each month, so here are our tips to help cut out unnecessary spending. Write a budget Creating a monthly budget plan can seem like a hassle at first, but it is the most effective tool to track your spending. […]

Time For An Upgrade?


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Have you upgraded your mobile phone in the past two years? If the answer’s yes, your choice may have been driven by a change in your needs or wants. Perhaps you opted for a better deal, a different contract, or a handset with new features that weren’t available with your previous model? When it comes […]

Investment Jargon Buster


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Investment jargon explained. In this post, we explain everything from ‘asset classes’ to ‘default risk’. Assets: anything an individual, company or fund owns which has economic (tradable) value. Asset classes: Groups of securities or investments with similar characteristics that behave in a similar fashion and are subject to the same laws and regulations. The most common […]

The Importance of Protection


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Millions of pet owners have purchased insurance in case of an expensive trip to the vet, but who will pick up the bill if something happens to you? Many pet owners will know the stress and financial burden caused by an expensive vet’s bill and have taken out pet insurance to avoid having to make […]

Business Survival Planning


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If something happened to you, your co-owners or employees, could your business survive? A study by Legal and General shows 40% of businesses would fold in less than a year following the death or critical illness of a key person. The loss of a key person within a small or medium-sized business can cause unexpected […]

The New £1m Inheritance Tax Allowance


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In the wake of the 2015 General Election, the Conservative Party confirmed it would deliver on its Manifesto promise that parents could pass their property up to the value of £1m to their children free of Inheritance Tax, thanks to a new ‘family home allowance’. The allowance is called the Resident’s Nil Rate Band (RNRB) […]

Pensions for Stay at Home Parents


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Could you survive on £8,000 a year or less, in retirement? If you’ve given up work to look after your family, you’ll be among those least likely to save for retirement simply because you have no income. And when it comes to the State Pension, you’ll usually need at least 10 qualifying years on your […]

First-Time Savers


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The news is always full of stats about first-time buyers In 2016 there were an estimated 335,750 first-time buyers – the highest figure since 359,900 in 2007 The average first-time deposit has more than doubled since 2007 to more than £32,000 • the average price of a first home broke through the £200,000 barrier for […]

The Downside of Downsizing


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The decision to sell up and move to a smaller property could come as a result of children flying the nest, the need to free up cash, or both. Whatever the reason, there are costs to downsizing that are important to know about before you make the move. The ‘hidden’ fees Research from online estate […]

Tax changes impacting Buy to Let landlords


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The way landlords can claim tax relief on their mortgage finance costs has changed. Up until 5 April 2017, landlords could deduct mortgage interest from their rental income before calculating how much tax they   should pay. Now, however, tax relief on Buy to Let mortgage interest will gradually be reduced. The restrictions will be phased […]

Just About Managing


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Two thirds of working households in the UK consider themselves to be ‘just about managing’ financially, according to research. The Resolution Foundation, which researches the living standards of those on low to middle incomes, has identified six million Jams (as they have become known) spread across Britain. Jams tend to have at least one person […]

Inflation: this time it’s personal


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Much is made about the impact of inflation on the ‘real’ value of your income and investments. That is, the impact inflation has on your ability to continue affording your lifestyle. The magic number The Bank of England Monetary Policy Framework has an inflation target of 2%. The remit is not to achieve the lowest possible […]

Protecting your employees and assets


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Whatever business you’re in, having the right insurance in place is essential to protect your assets and responsibilities. We’ve put together a short description of the most common types of cover for small businesses, along with a brief checklist to get you thinking about your current arrangements. Common types of business insurance Employer’s Liability insurance […]

Protection Through The Years


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When it comes to protection insurance, we hold two firm beliefs: it should form the foundation of your financial plan. cover should be reviewed regularly to make sure it continues to meet your needs. The latter is particularly important when you are at a particular ‘life stage’. Whether that’s buying a house, getting married, starting […]

The Value of Mortgage Advice


The Value of Mortgage Advice, mortgage adviser dartford, mortgage advisor dartford, financial adviser dartford

With so many mortgage lenders offering their products on the high street and online, it can be tempting to cut out the middleman and ‘go direct’. But when you’re making such a huge financial commitment, the guidance you can get from a qualified mortgage adviser can be invaluable. Here are five ways we can make […]

Are Your Contents Underinsured?


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When it comes to insuring your home and contents, many people take out far less cover than they need, risking potential upset if it comes to making a claim. The average UK home contains around £55,000 worth of possessions, but an average insurance policy covers just £35,000, leaving a huge £20,000 worth of uninsured valuables […]

Achieving Your Financial Goals


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We lead complex lives in an increasingly complex world. As your financial adviser we can help you better understand your financial challenges, goals and needs, and help you find appropriate ways to meet them. Even a seemingly straightforward financial goal can involve numerous decisions and a lot of time and effort getting it right. Whether […]

Automatic enrolment and you


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Automatic enrolment and you Auto-enrolment is a Government initiative where all workers will be automatically enrolled into a workplace pension. New figures show that by 2020 over 10 million people are expected to be newly saving or saving more as a result of automatic enrolment. This means that an additional £17 billion a year is […]

Pension Death Benefits


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  With the introduction of pension freedoms in 2015, we now have a range of options when deciding how to fund our retirement. But few of us stop to consider what might happen on our death: retirement itself seems far enough away! Under the previous regulations, only one dependant of the pension plan holder could […]

What Makes a Good Buy to Let Investment?


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With property prices continuing to rise, Buy to Let can be an attractive way to invest. But whether buying your first Buy to Let property, or adding to your portfolio, it’s important to consider what’s involved. Being a landlord As well as the obvious duties of finding tenants and making sure they pay their rent […]

Buying for the first time?


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For first-time buyers, getting onto the property ladder may seem a daunting process, but there’s more help available than you might think. With supply and demand at an imbalance, the average UK house price has been pushed beyond the reach of many first-time buyers. August data from Land Registry shows an annual price increase of […]

Keeping your heart healthy


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Dementia and Alzheimers have replaced heart disease as the leading cause of death in England and Wales, but the latter still accounted for 11.5% of all deaths in 2015. In fact, every three minutes someone in the UK has a heart attack and 30% of those are fatal. The good news is there’s a lot […]

Britain’s Happiest Places


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Leigh-on-Sea tops Rightmove’s Happy at Home Index, with Harrogate dropping to third. Rightmove’s annual study asks 24,000 people across England, Wales and Scotland to rank where they live against 12 factors relating to their local area. The factors range from neighbourliness and how much there is to do in the area, to how safe people […]

Omnis Market Update


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Please see the market update below from Omnis Investments: Omnis Market Update 13th November 2017 Omnis Market Update 6th November 2017 Omnis Market Update 30th October 2017 Omnis Market Update 23rd October 2017 Omnis Market Update 16th October 2017 Omnis Market Update 9th October 2017 Omnis Market Update 2nd October 2017

What’s your repayment plan?


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Thousands of people with interest-only mortgages expiring this year do not have a repayment plan, putting their homes at serious risk of repossession. 40,000 interest-only mortgages are set to mature in 2016, but experts suggest that only half of these homeowners have the capital in place to repay the loan. And according to the charity […]

The Search for a Reliable Retirement Income


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The April 2015 pension changes scrapped compulsory annuities, giving pensioners greater choice over how to take their retirement income. In principle, this historic change to UK pension legislation opened up a range of investment opportunities. With increased control of their pension, investors can seek to position their portfolios to deliver the income required, while retaining […]

Risk vs Reward


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While homeowners can still benefit from low mortgage rates, savers will be struggling to enjoy any kind of growth on money they have on deposit, leading some to consider a riskier investment. If you’re considering investing in the stock market, one crucial and very personal issue is how you feel about the prospect of putting […]

Pack Up Your Troubles


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Moving home can be stressful, especially if you’re new to the property ladder. But, by following a few simple tips, you can help ensure your move goes as smoothly as possible. Seek mortgage advice Try and get a mortgage offer in place before you start the buying process. It can be tempting to cut out […]

Quarterly Investment Committee Report


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This is the latest Openwork quarterly Investment Committee Report. Second Quarter 2017 Openwork Investment Committee Report First Quarter 2017 Openwork Investment Committee Report Fourth Quarter 2016 Openwork Investment Committee Report.

Managing your money as a freelancer or contractor


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Research carried out by the Small Business Research Centre at Kingston University revealed there are an estimated 1.9 million freelancers in the UK, representing 36% growth over the past eight years. Almost two thirds of all freelancers work in four main industry groups: Education, health and social work (21%) Professional, scientific and technical (20%) Arts, […]

New State Pension: What’s Your Entitlement?


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Between December 2015 and May 2016 around 400,000 people accessed their State Pension statements, a 40% increase on 2015 when there were 400,000 requests in total for the entire year. This significant increase is down to the launch of a new online system which calculates your likely State Pension entitlement based on your National Insurance […]

Are you considering remortgaging?


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With continuing low interest rates, you may be considering remortgaging to save money. Even if your mortgage provider has recently reduced its Standard Variable Rate (SVR), moving to a new mortgage deal could save you money. But before you’re tempted by an attractive introductory rate, it’s worth considering the bigger picture. Should I stay or […]

A Year on From Pension Freedoms


A year on from pension freedoms

In April 2015 the government introduced the most significant pension reforms for a generation. The reforms give people who’ve worked and saved hard greater flexibility over how and when they access their pension savings and mean anyone reaching retirement age has been able to withdraw some, or all, of their pension (subject to tax on […]

A Financially Rewarding Retirement


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A financially rewarding retirement is not the only contributor to a satisfying, healthy and enjoyable life, it’s still a pretty important one. For most, during working life, financial wellbeing will depend on whatever they do to earn money. However, as well as securing the living standards you want when you’re working, it’s also important to […]

Are Cash ISAs Still Relevant?


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Since 2012, the average cash ISA rate has fallen from 2.84% to just 0.82%, while stocks and shares ISAs are performing far better, delivering an average growth of 7.4% during the 2014/15 tax year. Clearly the latter carry a varying degree of investment risk (depending on the type of funds you invest in), but does […]

Bank of Mum and Dad


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With rising house prices outpacing income an increasing number of young people will borrow from parents and family in order to get onto the property ladder. The 10th largest mortgage lender The combined amount which parents and grandparents will be prepared to gift or loan their children to help them buy their first home is […]

Financial advice during a divorce


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Going through a divorce, dissolution or separation is one of life’s most stressful events, so it’s important to have people around you to help with the practicalities. This is particularly true when it comes to financial matters, which can be complex and emotionally straining in these situations. Achieving a fair financial settlement As well as […]

Don’t Be a Victim of Online Fraud


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With cyber crime hitting the headlines more and more these days it’s not just big businesses like TalkTalk and Ashley Madison that are in the fraudsters’ sights. What’s the worst that can happen? You may be thinking an email hack could lead to nothing more than someone reading the endless emails you’ve received from Groupon, […]

Financial back pains


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Back pain is a common problem that affects most of us at some point. In 2014/15 9.5 million working days were lost due to musculoskeletal disorders including back pain. To put that figure in perspective that’s just over 26,000 years of lost productivity. In some cases the back problem will be temporary and the sufferer […]

Have you found your forever home?


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When you think about your dream home – the one you can see yourself growing old in – what do you imagine it looks like? A modern architectural masterpiece built of glass and metal, or something more old-fashioned and cosy? If you asked your friends and family what their ideal ‘forever’ home looks like they […]

Help to Buy ISA – things you might not know


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If you’re saving for your first home you may have heard about the Government’s latest initiative, the Help to Buy ISA. This is effectively a cash ISA where you can save up to £200 a month, but the government will boost your savings by 25% up to a maximum of £3,000 (provided you’ve saved at […]

US ELECTION BULLETIN


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This has become a very divisive election. It appears neither candidate is well liked and it sometimes feels this will be a vote for the lesser of two evils. However, it is a binary result: one of them has to win. According to the major polls, Hillary Clinton has a narrow lead over Donald Trump. […]

Interest-Only Mortgages


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Thousands of people with interest-only mortgages expiring this year do not have a repayment plan – putting their homes at serious risk of repossession. 40,000 interest-only mortgages are set to mature in 2016, but experts suggest that only half of these homeowners have the capital in place to repay the loan. And according to the […]

Lasting Power of Attorney


Lasting Power of Attorney

A will deals with matters in the event of your death, but what if you became unable to handle your affairs while still alive? If you’re worried that, as you get older, a physical or mental illness could affect your ability to manage your personal affairs, you should consider setting up a Lasting Power of […]

School Sports Day


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Are you one of the one in three parents who worry about the risk of serious injury from school sports? New research from MetLife has found one third of parents with school age children are concerned about serious injuries from sport – and there are real reasons to be worried. The research shows in the […]

Shared Parental Leave


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Shared Parental Leave (SPL) was introduced in April 2015, effectively granting fathers the same rights as mothers in the first 12 months following birth or adoption. SPL – the basics The new laws offer flexibility over when and how parents wish to share their leave. They can both be off at the same time, or […]

The Accidental Landlord


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European legislation introduced in March 2016 created a new category of Buy to Let lending: Consumer Buy to Let. Its principal aim is to distinguish borrowers who become landlords by accident and therefore require consumer protection, from experienced landlords operating Buy to Let as a business. Unlike an investment Buy to Let, where the landlord […]

The Cost of a Child


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It’s official: Raising a child is now more expensive than buying the average house. Average price of a semi-detached house in the UK = £219,255. Cost of raising a child to age 21 in the UK = £231,843. You’ve insured your home, but how do you go about insuring your kids? The breakdown Obviously costs […]

The Risks of Being Underinsured


Income Protection, the risks of being underinsured

Most of us wouldn’t think twice about protecting our home, car, TV or smart phone – we even insure our holidays and pets. But there’s one aspect of protection that too few of us consider – what happens to our homes and our livelihoods in the event we have an accident, serious illness or die? […]

The value of financial advice


Financial Planning

Everyone is unique. We all think – and work – differently. Some people are good with words, and others, numbers. The same might be true when it comes to planning and managing our finances. But however different our approaches might be, we probably all have similar goals for our money. Whichever way you come at […]

What’s your flood risk?


Flood Insurance

Between 3 December 2015 and 3 January 2016 there were over 22,000 flood claims, with an estimated £1.3bn being paid by insurers following the destruction caused by storms Desmond, Eva and Frank. How do you know if you’re at risk? More than 5.5 million homes are at risk of flooding, with those in the highest […]

Alternative Funerals


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If you’ve ever imagined your own funeral do you think of a grand procession and a marble headstone or an altogether more demure affair? Before you start planning your funeral make sure you know fact from fiction. For instance, did you know: you don’t have to use a funeral director to organise a funeral you […]

Dividends Allowance


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Dividends Allowance As of April 2016 the Dividend Tax Credit has been replaced by a new tax-free Dividend Allowance. This means you won’t have to pay tax on the first £5,000 of your dividend income, no matter what non-dividend income you have.  Any dividends you receive over £5,000 will be taxed at the following rates: […]

European Legislation Hits The UK Mortgage


European legisiation hits the UK mortgage market

European legislation hits the UK mortgage market Back in March 2011 the European Commission proposed a new directive on credit agreements for consumers secured on property, referred to as the European Mortgage Credit Directive (MCD). The new rules came into force on 21 March 2016, but what do they mean for you? Protecting consumers MCD […]

Ever bought something online that doesn’t quite fit?


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Ever bought something online that doesn’t quite fit? Sticking with the same provider year-on-year for financial products such as insurance or savings accounts may mean you’re not getting the best deal. But using price comparison sites when renewing your policy isn’t always the best way to find a better one. Added extras An investigation by […]

Financial top tips for service personnel


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Service personnel and their families can find it difficult to access commercial products and services because of the time spent outside of the UK. The Ministry of Defence (MOD) has been working with the financial sector to improve the ability of armed forces personnel to access financial products. Credit ratings Credit reference agencies hold factual […]

Give yourself a sporting chance


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With a summer of sports coming up you might feel inspired to get involved. But before you do make sure you’re covered in case any of the inevitable bumps and bruises need more than just a plaster. There’s a host of major sporting events taking place this Summer. An active community Seeing so many of […]

Opting out of Auto-enrolment


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Saving into a pension is an important financial step we should all be taking to ensure a comfortable lifestyle when we stop work. When it comes to workplace pensions, all employers will have been required to enrol their eligible workers into a scheme by 2018, if they: are not already in one are aged between […]

Pension planning for the self-employed


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There are 4.5 million self-employed people in the UK – that’s one in seven of the UK workforce – but only 18% of them contribute to a pension. The explanation for this low number might be that saving for a pension when you’re self employed isn’t as straightforward as it is for an employed person. […]

Simple Steps To Tax Planning


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Professional advice and careful planning can help you to make the most of legitimate opportunities to reduce the amount of tax you pay. Your Accountant, or tax specialist, will be your first port of call when it comes to tax, but it’s also an important consideration in your day to day financial planning. Here are […]

Too ill to Earn


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‘Seven Families’ highlights the importance of protecting your income. Seven Families is a charity-led campaign that aims to raise awareness of the financial and emotional difficulties caused by long-term illness or disability. Launched in November 2014, it follows seven real families in the UK where the main breadwinner has been forced out of work by […]

Spring Clean Your Finances


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A quick Google of ‘Spring Clean’ will throw up a million and one Buzzfeed articles or ‘life hacks’ on how to make spring-cleaning easier and quicker. You’ll find tips about using cola to clean the toilet, lemon to clean the taps and vinegar to clean just about anything. When you’re done cleaning your worktops with […]

Taxation Changes Impacting Buy To Let Landlords


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In last year’s Summer Budget, George Osborne announced changes to the way landlords can claim tax relief on their mortgage finance costs. In his Autumn Statement, the Chancellor then announced proposed changes to Stamp Duty Land Tax on properties purchased for Buy to Let purposes. Tax relief on interest costs Landlords can currently deduct mortgage […]

Are You Saving Tax Efficiently?


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If you’ve always been a saver but never considered an Individual Savings Account (ISA) you could be losing out to the tax man. Make your savings work harder ISAs are tax-efficient savings plans that allow you to shelter up to £15,240 in the 2016/17 tax year from income and Capital Gains Tax. Around 13 million […]

The Budget 2016: Headlines


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Mr Osborne’s third Budget in the space of a year included a number of re-announcements from his Autumn Statement, but there were a few surprises. Lifetime ISAs From April 2017, adults under 40 will qualify for a new Lifetime ISA. The maximum annual contribution will be £4,000 to which the government will add a 25% […]

The Pension Gender Gap


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AEGON’s latest annual retirement readiness survey highlights the challenges faced by homemakers when it comes to retirement and reinforces the importance of advice when it comes to financial planning. The survey identifies homemakers as typically women, aged between 18 and 44, and are likely to be reliant on a partner or spouse for their income […]

Over-sharing Could Invalidate Your Home Insurance


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If you use social media, you may have posted a picture by the pool or a selfie from the slopes. Even if you haven’t, you probably know someone who has. Did you know that sharing your current location or travel plans could void your home insurance? A quick swipe through your timeline will probably reveal […]

Cost Of Dying Rises By Nearly 4%


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The average cost of a funeral in the UK has risen by £140 in the last year to £3,702. It’s hardly the most cheery subject, but updated figures suggest that funeral costs are on the rise, increasing faster than the rate of inflation over the past year. But it’s clear that while £3,702 might seem […]

1.75m Homeowners Unprepared For Mortgage Increase


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The Bank of England (BoE) last increased the base rate in July 2007 and interest rates hit rock bottom in March 2009. This has meant over 1.75 million UK homeowners have never faced a rise in the BoE base rate. Mortgage payments around 18% of income During 2014 these first time buyers were spending, on […]

Accident Protection


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More accidents happen in the home than anywhere else. And during the winter months more time at home means more chance of an accident. You may take extra care whilst taking down the Christmas decorations or spring cleaning for Easter, but can you be sure your family are being as vigilant? Every year: There are […]

Is There A Shock In Store For Your Retirement?


New research suggests under-40s face a 148% hike in retirement living costs, while many over-45s are exposed to financial ‘shocks’ that could upset their retirement plans. monthly retirement expenditure to rise from £1,183 to £2,930 by 2050 (For pensioners who are not reliant on state pension) 42% of over-45s have not planned for financial shocks […]

Business Survival Planning


If something happened to you, your co-owners or employees, could your business survive? A study by Legal and General shows 46% of new businesses would fold immediately following the death or critical illness of a key person. The loss of a key person within a small or medium-sized business can cause unexpected costs at what […]

TAX TABLES 2017/2018


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Following March 2016’s Budget announcement, these Tax Table guides are for the tax year 2016/2017. Please speak to an adviser if you require advice in any area of financial planning. Tax Tables 2017/2018

Budget Guide


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Attached is our special guide giving you full details of what was announced in the Chancellors budget in the March 2017 budget. Please call the office if you require advice on any area of financial planning. Budget Bulletin March 2017 Please find attached our guide on the Chancellors Autumn Statement in November 2016. Autumn statement […]

When Can I Retire?


“How much do I need for my retirement” is arguably one of the most serious questions facing a working-age adult. The answer ultimately depends on two questions. When do you want to retire and what kind of retirement do you want to have? Planning Your Retirement If you want to retire at 55 and spend […]

Save Like The Young Ones


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  Saving for a rainy day is what lets you buy an umbrella to keep you dry until the rain passes. Alternatively you may be saving with a specific goal in mind, for example to buy a house. Like many aspects of life, your saving needs and habits may change as time goes by. If […]

Raise Money: Downsize To A Smaller Property


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Your current home may well be the place where some of your happiest memories were created. Realistically, however, downsizing may be an excellent way of financing many more. Here are some points you should consider on the topic. Why should I downsize my home? Home may be where the heart is, but property has a […]

Flood Risk – Check Your Insurance


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One of the grim inevitabilities of the winter months in Britain is the prevalence of flooding. Britain has experienced several years of above average rainfall that many scientists attribute to climate change. In 2007, for example, the country was20 percent wetter during the winter than any other year since records began in 1879. Some studies […]

Is Life Insurance Still An Asset For The 50+?


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  Most people start families in their 20s or 30s and this is also the first time they think about family protection, life insurance and making sure that their loved ones are taken care of if they die. Once this life cover is purchased, it is common to forget all about it and only review […]

Should We Be Ditching Cash?


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Apple Pay has now arrived in the UK. Paypal has now outgrown eBay. Visa Europe is said to be in talks to be bought back by its larger sibling Visa Inc. In short, digital payment systems are big business in every sense of the phrase. Notwithstanding this, cash is still very much a part of […]

What Next For Inflation?


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The UK has now experienced deflation for the first time since records began in 1996. The Office for National Statistics believes that the last time the UK experienced deflation was in the 1960s. This was so long ago that you may well be asking yourself “What exactly is deflation and what does deflation mean for […]

Does It Make Sense For Britain To Quit The EU?


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However it is eventually phrased on the ballot paper, the underlying question is essentially the same. “Should Britain stay in the EU?” Sometime between now and the end of 2017, the great British public will be required to answer it. So, is the grass really greener on the other side of the EU fence? What […]

10 Things To Do To Get Your Finances Ship Shape


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As spring moves into summer, people can start to think about their physical shape and how good they look in their holiday clothes. How about also taking a few minutes to look at your financial shape? Making sure you’ve ticked off all the boxes in this 10-step check-list will help keep them looking good too. […]

Ten Financial Tips For New Graduates


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With university fees of up to £9,000 a year and predictions that students might be paying back their loans in their 50’s, financial planning after graduation has never been more important. This blog article will explore the top ten most important financial considerations for new graduates and the spending, saving a borrowing pitfalls to avoid. […]

Have You Made Your Will Yet?


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After a lifetime of saving and prudence, you may well have accumulated a great deal of personal financial wealth that will outlast you. However, without a will to state who will benefit from your wealth, much of the hard work you have put in over the years might be lost. Dying without a will (being […]

Want To Pay Less Tax? Ideas To Help Reduce The Amount You Pay


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Paying tax is an onerous duty and one we all wish we didn’t have to do. Judging by recent newspaper headlines, it seems that if you are rich and famous tax avoidance is almost compulsory. Whilst actual tax evasion is illegal (ie stashing it under your mattress), tax avoidance is not, it is simply the […]

How Divorce Could Affect Your Retirement Income


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“Breaking up is never easy” but sometimes it’s the best you can do. The Abba hit “Knowing Me, Knowing You” was released in 1976. A lot has changed since then, but breaking up still remains a painful and potentially expensive matter. The Basics of Divorce There are three steps to getting a divorce. Step one […]

Will You Be A Silver Entrepreneur?


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Retirement isn’t what it used to be. A century ago, when old age pensions were first introduced, life expectancy was far lower than it is today. After a life of hard manual work, most people of retirement age, enjoyed on average, only 31 percent of their total lifespan outside the labour market (this included childhood) […]

Will The Next Budget Be Radical?


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On 8th July 2015, George Osborne will deliver the first completely Conservative budget since Kenneth Clarke in 1996. Given that George Osborne delivered his last budget on 18th March 2015, you could well we asking yourself “Why do we need another budget now?” The answer is essentially that the last budget was a combined Tory/Lib […]

Use Your ISA Allowance Or Lose It


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The phrase “use it or lose it” is very relevant to ISAs. As of April 6th 2015 you have 366 days to save up to £15,240 in your ISA. Even though 2016 is a leap year, giving you an extra day to achieve this, it’s recommended to get off the starting blocks quickly. Let’s cover […]

What Are The Alternatives To Annuities?


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It seems that wherever one looks in the media at the moment a commentator, government minister or journalist is stepping forward to tell us how awful annuities are and posing the question: why are annuities so bad? This, therefore is an important statement that should be absorbed before we continue; not all annuities are bad, […]

What’s My Pension Worth?


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It’s hard to argue about the importance of saving for old age. Those still of working age need to look at how they are going to finance their later years. Those already retired need to think about getting the most out of their available finances. The exact rules around pensions and savings can be changed […]

Will I Benefit From The Pension Reforms If I’m Already Retired?


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One issue in the world of personal finance has dominated the headlines for months; the changes to Britain’s pensions industry that will have profound implications for savers and retirees for decades to come. Much of the focus of the reportage has been on the effects of the changes on savers waiting to retire, but there […]