Blog

  • 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...
  • Cutting through the noise – how does a financial adviser help?

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    ‘Stock market closing at an all time high’; ‘The bubble’s burst’; ‘The stock market is crashing’; ‘Shares have gone through the roof – how could they go any higher?’; ‘House prices plummet by 30%’; ‘UK economy in weakest growth’; ‘The end is near for the bear market’; ‘Stocks dangerously close to unique kind of bull market’; ‘Not seen such market v...
  • Could you be eligible for a power of attorney fee refund?

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    Between 1 April 2013 and 31 March 2017, the Office of the Public Guardian (OPG) generated a surplus of £89m from Lasting Power of Attorney fee overpayments. This happened because the OPG’s operating costs were reduced, but LPA application fees weren’t altered to reflect that reduction. 1.8million people are estimated to have been affected by the ov...
  • The financial advantages of saying ‘I do’

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    A marriage or civil partnership can be a beautiful union of minds and hearts, but there’s no reason why it should end there. There can also be financial benefits to being with your partner, and one of these is the Marriage Allowance. In the 2018-19 tax year, the Marriage Allowance lets you transfer up to £1,190 of your Personal Allowance to your pa...