Are you saving tax efficiently?

If you’ve always been a saver but never considered an Individual Savings Account (ISA) you could be losing out to the taxman. Make your savings work harder ISAs are tax-efficient savings plans that allow you to shelter up to £15,240 in the 2016/17 tax year from...

Pension Changes – What Do You Need To Know?

Officially the UK now has pensions freedom. For some people however, this may equate to pensions confusion. Here is a quick and simple guide to the new pensions rules. Rule 1 – The state pension becomes the new state pension The talk about pensions freedoms relates to...

The Granny Lives

In what appears to have been a classic example of the law of unintended consequences, the government’s attempt to rein in the buy-to-let market (and thereby help first-time buyers competing against private landlords), has had the effect of hindering those trying...

How is EU uncertainty affecting every day life

People in the UK (and in particular in Scotland) could be forgiven for showing signs of voters’ fatigue. A general election in 2015 has been followed by elections for the Scottish Parliament and the EU referendum is drawing ever closer. As voting day nears, both sides...