Blog

  • Brexit: Deal or No Deal?

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    Two years after the Referendum, the direction that Brexit will eventually take is still not clear. With the Prime Minister demanding that her party back her latest proposals ‘or Brexit won’t happen’, we have tried to take a step back and present a clear, simple and – most importantly – unbiased guide. The background It seems like an eternity ago bu...
  • Small change to small fortune – how car boot sales can prove lucrative

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    When it comes to a robust investment plan, rooting around for hidden treasure at car boot sales can’t really be held up as particularly reliable. However, there are plenty of examples of people picking up bargains from a car boot which have gone on to make them a considerable profit once their true value has been realised. One case highlighted a di...
  • Is the bank of Mum and Dad ‘feeling the pinch’?

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    L&G are still expecting more than a quarter of home buyers to be getting financial assistance from relatives, with the amount actually seeing a small increase from 25% to 27%. So with close to 317,000 housing transactions expected to take place with parental help this year, how do we account for the £800m drop in lending? The short answer is th...
  • 5 top travel tips to make your holiday easier

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    Holidays can be expensive, that’s for sure. Getting everything organised for your trip can be quite a challenge, too. So we’ve compiled these simple tips to save you money and allow you to enjoy your time away to the full. Scanning travel docs It’s a good idea to scan your travel details, passports and insurance information then email them to yours...
  • Are mini-bonds a good alternative to savings?

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    You may have seen mini-bonds advertised, offering as much as 10% returns over reasonably short timeframes. Companies such as John Lewis, Hotel Chocolat and Naked Wines have famously employed them as a way of accruing debt-based funding. If you’re an individual with some capital available for investment, these numbers can be very enticing, but it’s...
  • Can I use equity release to pay for care?

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    It’s one of the scary things about growing old, isn’t it? We’re all living longer, thanks to medical science but does that mean more of us are going to end up in a care home, struggling to find the means to pay for it? A year in a care home can cost more than £50,000. This means some families are accumulating huge bills. If you have assets of more...
  • Are you keeping track of your pension pot?

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    Keeping track of your pension pots can feel like a full time job at times, particularly as we head towards a world where the average person will have eleven different jobs over the course of their career. It’s becoming increasingly uncommon for people to stay in the same job throughout their employment. In fact, we’re now seeing that 64% of people...
  • What makes seeing a financial adviser like having an MOT?

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    We’re all used to taking our cars for their MOT, aren’t we? Before we book it in for the test, we may well get a mechanic to check the vehicle over to make sure it will pass with flying colours. It’s a useful time to put in new brake pads, check the suspension and make sure the lights are all in working order. This got us thinking that in some resp...
  • Is buying a state pension top-up worthwhile?

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    As part of your overall financial planning, one item that is worth considering is your state pension and whether you are on track to get the full amount. If not, it is possible to buy top-ups, which could boost your payout by £244 a year for life. The 2017/18 voluntary payment, under the Class 3 National Insurance top-up scheme, costs £741 and will...
  • Why it pays to retire early

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    Sound financial planning is not only good for your bank account – it could actually improve your life expectancy. If you’re reading this then you probably don’t need to be convinced of the benefits of looking after your money, but here’s another reason to add to the list. The idea of retiring early can be most appealing. For some, it will already b...