How secure is your business?

Business protection is a crucial element in a company’s financial future, but how many have cover in place? Research by Legal & General in their State of the Nation’s Small and Medium Enterprises (SMEs) report has found:   53% of businesses would cease...

The Junior ISA

Junior ISAs (JISA) are long-term, tax-efficient savings accounts for children, introduced in November 2011 to supersede the phased-out Child Trust Fund (CTF). There are two types of JISA: A cash Junior ISA –  where you won’t pay tax on interest on the cash you...

The Gender Pension Gap

If you overheard a conversation about the gender gap, you might automatically think about it in terms of pay, given the relatively recent requirement for firms with more than 250 employees to disclose their pay data. What is less well known though is the gender...

Some unusual insurance claims

If we asked you to list the most common reasons for claiming on your household insurance, you’d probably say theft, accidental damage, or damage caused by storms and flooding. The following claims, however, are slightly more unusual… Animals do the strangest things...

Offset mortgages explained

With interest rates remaining low, you might want to consider an offset mortgage. This combines your mortgage and savings into one account and, rather then pay interest on the savings, the savings balance is deducted from the loan amount and you pay interest on the...

Changing rooms

When it comes to selling your house first impressions count, and that starts with kerbside appeal. Start with free Before spending any money, have a look around your property to see what improvements you can make that won’t cost a penny. If you have a garden, plants,...

Long-term investors needn’t fear volatility

You may have read in the press that markets have been particularly volatile in 2018. But what does this mean for your investments? While stories about stock market falls are guaranteed to make headlines, the subsequent rebounds in prices get less coverage; and that’s...

Auto enrolment contributions

The introduction of automatic enrolment in 2012 has led to a record high in pension participation, with more than 9.5 million people enrolled through the scheme. But contributions are at minimum levels, ONS data has shown The number of employees who contribute to a...

Advice matters – whatever stage in life you’re at

The financial products and services we need to navigate through life will change with our circumstances. In the early years, our financial needs are likely to be more straightforward, getting increasingly complex as whatever your circumstances. 20 – 30’s: From...

Are you thinking of downsizing?

According to a survey by Lloyds Bank, 45 per cent of empty nesters have no plans to downsize, despite the potential windfall moving to a smaller place could create. For these empty nesters then, life seems pretty comfortable, but their new-found wellbeing could be at...