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by Alexander Beard, on Sep 9, 2019 9:40:42 AM

PricewaterhouseCoopers released a report last month on the state of the audit industry, making recommendations for how the audit can evolve to meet the needs of businesses. After an 8-month …

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Topics:BusinessMarket Commentary

by Alexander Beard, on Sep 9, 2019 9:38:29 AM

In the wake of the Woodford debacle, there’s a lot of buzz around investments and the rationale for choosing them. So we thought it would be useful to outline what …

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Topics:Financial PlanningInvestmentsRisks

by Alexander Beard, on Sep 5, 2019 9:27:01 AM

A new report by Scottish Widows (SW) has found that savings habits among younger people are rather lacking when compared with older generations. 14% of people aged 20-29 are not …

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Topics:Financial PlanningPensionsSavings

by Alexander Beard, on Sep 5, 2019 9:24:28 AM

Changes to IR35 legislation are coming into effect in April 2020. IR35 legislation is designed to target “disguised employment” between firms and freelancers. This is where a company hires freelancers …

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Topics:Employeeshmrc

by Alexander Beard, on Aug 27, 2019 10:05:20 AM

You’re almost spoilt for choice when it comes to all the cultural experiences on offer in Europe. Compiling a definitive list is almost impossible, so instead we’ve settled for a …

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Topics:EuropeTipsUK

by Alexander Beard, on Aug 19, 2019 10:23:25 AM

Over a year and a half ago, a digital revolution introduced a new way for people to handle their money: open banking. All of a sudden at the touch of …

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Topics:Banking

by Alexander Beard, on Aug 19, 2019 10:06:08 AM

Back in 2017, the UK government published their Clean Growth Strategy, a report that included plans to work with lenders in order to create “green mortgage products,” that are able …

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Topics:EuropeMortgagesUK

by Alexander Beard, on Aug 15, 2019 3:05:30 PM

The first point is that markets can operate differently to economies. Markets can move in response to real information such as profits, dividends, acquisitions and mergers. They can also move …

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Topics:InvestmentsMarket Commentary

by Alexander Beard, on Aug 14, 2019 12:39:53 PM

For more than 35 years I have been hearing the same question again and again: “Is it worthwhile for me (or our employees) to do something for my (their) retirement …

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Topics:EmployeesPensionsRetirement

by Alexander Beard, on Aug 14, 2019 12:32:00 PM

Interest Rates The official “cash rate” as set by the Reserve bank in Australia has reached an all-time low following it’s Rate decision in July. The official “cash rate” (ie …

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Topics:BankingBorrowingInterest Rates

by Alexander Beard, on Aug 14, 2019 12:26:29 PM

As the new academic year approaches many globally mobile teachers are spending a very hectic summer on the move. Apart from visiting family and friends back in home countries, relocating …

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Topics:HealthcareLife InsuranceRetirement

by Alexander Beard, on Aug 14, 2019 12:16:12 PM

Last June the government and the major trade unions have agreed on reforms of the Dutch pension system. Reforms that were negotiated for the last nine (!) years. Social affairs …

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Topics:NetherlandsPensions