Teaching kids about money

As parents we teach our children a lot: to count, read, say please and thank you and, hopefully, be an example to others. Research shows that parents also pass on their approach to finances. So exactly how are we teaching our children to be financially astute from a...

The cost of a burglary

Figures have revealed that burglary costs the average homeowner over £2,800 in stolen valuables and almost £600 to pay for damage caused by the break-in. There were 713,000 domestic burglaries in 2015, and while you may see many of these reported in local newspapers...

Keeping your heart healthy

Dementia and Alzheimers have replaced heart disease as the leading cause of death in England and Wales, but the latter still accounted for 11.5% of all deaths in 2015. In fact, every three minutes someone in the UK has a heart attack and 30% of those are fatal. The...

Saving for retirement: as easy as 1, 2, 3

Much is made of the tax benefits of saving into a pension scheme but there are other benefits to consider. As many corporate pension schemes and even government pension schemes become unsustainable, the onus to create a comfortable retirement is increasingly on the...

Buying For The First Time

For first-time buyers, getting onto the property ladder may seem a daunting process, but there’s more help available than you might think. With supply and demand at an imbalance, the average UK house price has been pushed beyond the reach of many first-time buyers....

Protection Through The Years

When it comes to protection insurance, we hold two firm beliefs: 1. it should form the foundation of your financial plan. 2. cover should be reviewed regularly to make sure it continues to meet your needs. The latter is particularly important when you are at a...

Pension Death Benefits

With the introduction of pension freedoms in 2015, we now have a range of options when deciding how to fund our retirement. But few of us stop to consider what might happen on our death: retirement itself seems far enough away! Under the previous regulations, only one...

NIC U Turn

A week is a long time in politics. It was about the length of time it took Chancellor Philip Hammond (and/or his boss Prime Minister Theresa May) to decide that the proposed increase in National Insurance Contributions (NICs) for the self employed was best abandoned....

Automatic enrolment and you

Auto-enrolment is a Government initiative where all workers will be automatically enrolled into a workplace pension. New figures show that by 2020 over 10 million people are expected to be newly saving or saving more as a result of automatic enrolment. This means that...

Maximising your ISA Allowance

If you haven’t used up your Individual Savings Account (ISA) allowance for 2016/17, you have until 5 April to do so. Saving into an ISA is a great way of making your savings work harder. Whether you’re looking to supplement your retirement income, build up funds for a...