9th February 2018

Don’t leave your loved ones facing financial ruin

Many people take out a life policy, perhaps when they take out a mortgage, put it away in a drawer and don’t think any more about it. This can be a mistake, as the level of cover you took out a few years back may now not be enough to cover your current situation, and […]

Winter Home Checklist

This time of the year, it’s worth doing a few simple checks around your property to make sure it’s prepared for what winter might bring, so that any period of prolonged bad weather doesn’t take its toll. EXTERNAL CHECKS Winter wind and rain can cause severe damage, so check that your roof is in good […]

5th February 2018

Where will you live in retirement?

Later-life housing is a growing market, with around 60% of projected growth in households over the next two decades set to be among those aged 65 and over1. Moving home at any age is almost always a stressful and emotionally-challenging time, and arguably the longer you leave it, say in your late 70s or 80s, […]

24th January 2018

One in three retirees will have to rely on the state pension

The Financial Conduct Authority recently carried out research1 into the financial arrangements of just under 13,000 consumers in the UK. The results make for worrying reading. One of the findings that really stands out is that 31% of UK adults have no private pension provision, meaning they may have to rely solely on their state […]

17th January 2018

Global markets were surprisingly bullish

Investors found much to be cheerful about in 2017, a year which was characterised by a general upswing in the global economy. Several stock markets worldwide traded at all-time highs, European manufacturing bounced back and the Bank of England finally increased interest rates. It’s now over a year since Donald Trump was elected, and while […]

8th January 2018

Could you be an isa millionaire?

Individual Savings Accounts (ISAs) are a great way to invest free of tax on the income and any capital gains. The amount you can put in each year has gradually increased. A growing number of people are becoming ‘ISA millionaires’ as a result of rising stock market prices, and the steady increase in the annual […]

Interest rate rise– the aftermath

The increase in the Bank of England’s base rate from 0.25% to 0.5% at the beginning of November represented the first rise in rates in over a decade. Most lenders swiftly announced that they would be passing on the full increase to their variable rate mortgage borrowers. Low interest rates have been a major characteristic […]

Buy-to-let landlords raising rents as tax changes bite – tenants beware

The last few years have been a boom time for buy-to-let landlords, with rental properties in high demand. However, in 2015 the then Chancellor, George Osborne, introduced measures that he hoped would ‘level the playing field’. To deter more buy-to-let landlords from entering the market and encourage some to sell their properties, he restricted the […]

15th December 2017

Lifetime ISAs growing in popularity

Despite a relatively low-key launch, the Lifetime ISA, or LISA as it is often referred to, is proving popular with young savers. So far, 28,000 savers have opted for the cash edition of the product and early indications are that the stocks and shares version is proving equally attractive. The LISA is a tax-free account […]

Insuring Musical Instruments

For many people, enjoying music is an important part of their lives. Owning a musical instrument or other related equipment like DJ gear can be a significant investment. Theft, loss or damage can often be a musician’s worst nightmare. Whatever type of musical instrument you own, from a grand piano to a classic electric guitar, […]