Blog

  • How long would your savings last?

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    A recent survey has found that the typical working person in the UK has around a month’s worth of savings to be able to maintain their current lifestyle should their income stop without warning. The data collected from 2,000 people found that the average person’s savings would support them for 32 days. More worryingly, 26% of those who responded sa...
  • What is the skills shortage costing British business?

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    New research by the Open University has found that the cost of Britain’s skills shortages amounts to more than £2 billion annually due to higher salaries, temporary staffing bills and recruitment costs. The survey of 400 firms found that nine in ten respondents reported struggling to recruit workers with the correct skills within the last year. Thi...
  • Will interest rates ever rise?

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    The deputy governor of the Bank of England has stated that the bank should not be tempted to increase interest rates due to “imponderables” within the UK economy. The comments from Ben Broadbent, an ally of the governor of the Bank of England, Mark Carney, and a member of the Monetary Policy Committee (MPC), were published in an interview in mid-Ju...
  • Planning for the best time of your life

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    Whether you’re nearing the start of your retirement or you’ve still got a few years of work ahead of you, it’s likely that you’ve already started planning this next significant phase in your life. But no matter how much you read, how many numbers you crunch and how many pounds you put away, you might still find yourself constantly adopting a pessim...
  • Putting the glamour back into air travel!

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    Once upon a time, commercial air travel was one of the ultimate luxuries reserved for the rich, famous and powerful, primarily because of the expense involved in doing so. The world where that was true now feels like one from a very long time ago, with ever-advancing technology making flying cheaper and easier and the rise of budget airlines making...
  • How much should you really be saving for retirement?

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    Retirement should be the time in your life where you’re able to relax and enjoy the fruits of your labour throughout your working life. However, simply paying into your savings or a pension for when you retire might not allow you to do this if you’re not putting enough away. But what does “enough” look like? Here are a few questions to consider to...
  • 4 top tips on what to do in the first 30 days of your retirement

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    So, you’ve decided when you’re going to retire and you know what you’re going to do in the days leading up to your final day in work. You might even have some long term goals that you know you want to achieve during the years of retirement you have ahead of yo. But what about those first few days and weeks? The transition from being employed to bei...
  • Insurance premiums set to rise due to tax change

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    Insurance companies have warned that a recent rise in tax could mean that the average family will end up paying £283 more for their premiums every year. The Insurance Premium Tax (IPT) has now increased from 10% to 12%, meaning that the cost of home, motor, health and pet insurance is set to go up. IPT has proven to be an attractive way for chancel...
  • The U.S. Health Care System

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    The U.S. health care system is unique among advanced industrialized countries. The U.S. does not have a uniform health system, has no universal health care coverage, and only recently enacted legislation, the Affordable Health Care Act (ACA) informally known as “Obama Care” mandating healthcare coverage for almost everyone. Rather than operating a...
  • Interest Rates and Inflation – a delicate recipe

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    I like to compare investment portfolios to recipes, not because I am a good cook - I have (without any exaggeration) made people retch with my dishes - but because I imagine they work in a similar way. This is because a tiny pinch of a powerful ingredient can make a huge difference. Starting in the kitchen, a slight increase in the amount of cinnam...