With the possibility of negative interest rates, we ask, IS YOUR MONEY REALLY SAFE?
Are you a saver? Saving your hard earned surplus cash for a rainy day? Or a big occasion? Or maybe for your retirement? Perhaps you’re squirrelling away pennies in a “safe” savings account ready for when you want to spend it. But…what is safe? The capital amount may be guaranteed and will grow with interest […]
Planning for the unexpected!
Do you worry what would happen to your family if you or your partner were to suddenly lose your job, become seriously ill or even die? How would you pay your mortgage, day to day bills and manage financially during a period of emotional distress? Protecting those you love could be more affordable than you […]
3 tips to help you work out if your adviser is REALLY doing a good job for you.
The world of finance can be a puzzling place. Numbers mixed with words mixed with acronyms. It can be hard to decipher, harder still to know what’s best and even harder to know if the adviser you have chosen is REALLY doing a good job for you! We have pulled together 3 tips for you […]
Need help getting to know your SVR?
As a nation, we aren’t great with our financial acronyms and terminology. Life is busy and our heads are often full of important things to get done to make it through the week, without having to worry about whether we know our LTV from our ERC! You’re certainly not alone if you’re feeling financially flustered. […]
Tax-free investing – it’s time to talk
With the first wave of Child Trust Funds maturing this year, there’s a great opportunity to talk to your children about the benefits of saving and investing. If one of your children has recently celebrated their 18th birthday then there’s a good chance they’ll have some money in a Child Trust Fund (CTF), which they […]
INVESTMENT UPDATE: What to make of the as yet undecided US Presidential Election
As you are no doubt aware, the result of yesterday’s US presidential election is not yet known. With 43 states having declared their results, the race is much tighter than the polls predicted and neither Donald Trump nor Joe Biden have enough votes from the electoral college to claim a victory. To do so, they […]
Spreading the risk!
Stock markets do not react well in times of uncertainty and the effects of the pandemic continue to pile pressure on financial markets worldwide. During periods of increased volatility, such as we have seen over the last few months, the importance of spreading risk and considering the longer term, remain constant investment principles. Why diversify? […]
Protecting your business in difficult times
During the past few months, millions of businesses have been forced to shut temporarily, with employees furloughed or working from home under very difficult circumstances. With various business sectors reopening in July, many have suffered significant financial damage due to lockdown. For some businesses, productivity has been lost due to illness and self-isolation, while others […]
Update on mortgage payment holidays…
On 17 March 2020, as the country teetered on the brink of lockdown, the Chancellor announced that homeowners struggling financially due to coronavirus would be able to take a three-month mortgage payment holiday. What does this mean for me? The extended application deadline now coincides with the end of the furlough scheme. This means, if […]
Exchanging contracts? Get insured first.
Purchasing a property can be a busy, stressful time and it can seem like there are a million things to remember. Some things however, are more important to remember than others – for example, getting the right insurance in place at the right time. Many people believe that they only need to take out buildings […]