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Will Interest Rates Go Up Or Down In 2023?
The change from one year to the next is often a time when people think about what the future will bring. One of the key questions for this year is the question of what direction interest rates will take. The answer to this question will depend on two main factors....
Key Dates For Your Finances 2023
As we say goodbye to 2022 and welcome 2023, now’s the perfect time to make sure you’re fully prepared for the financial year ahead. To make it easy, we’ve summarised the key financial dates to put in your diaries: January 31st – Self-Assessment Tax Deadline – You need...
10 Healthy Financial Resolutions For 2023 (And Beyond)
New Year’s resolutions shouldn’t be just for January. Effective New Year’s resolutions should create a foundation for healthier habits throughout the year. With that in mind, here are ten healthy financial resolutions for 2023 (and beyond). I will budget effectively...
Is It Still A Seller’s Market?
The introduction of the SDLT (Stamp Duty) holiday sparked a frenzy in the housing market. Realistically, it was only to be expected that the end of the tax break would lead to a slowdown. Just like people, there’s a limit to how long markets can run at maximum speed....
What Could IHT Mean For You?
The COVID19 bill is coming due. One way or another, it will need to be paid. There may be a certain level of scope for the government to make savings. Realistically, however, it seems highly unlikely that there is enough scope for it to avoid raising taxes at all. If...
Preparing For Your Very Last Move
Death and taxes are both inevitable. It, therefore, makes sense to prepare for both. Unlike filing taxes, preparing for your death can have its interesting side. In particular, you get to plan your own funeral. You also get the satisfaction of knowing that you’ve made...
Talking Points
Understanding Inheritance Tax
The basic idea behind Inheritance Tax (IHT) is simple. When you die, the value of your estate will be assessed and if it falls over a certain threshold, HMRC will claim a share of it. In practice, however, your tax liability can depend largely on your ability to plan...
10 Healthy Financial Resolutions For 2023 (And Beyond)
New Year’s resolutions shouldn’t be just for January. Effective New Year’s resolutions should create a foundation for healthier habits throughout the year. With that in mind, here are ten healthy financial resolutions for 2023 (and beyond). I will budget effectively...
Preparing For Your Very Last Move
Death and taxes are both inevitable. It, therefore, makes sense to prepare for both. Unlike filing taxes, preparing for your death can have its interesting side. In particular, you get to plan your own funeral. You also get the satisfaction of knowing that you’ve made...
Investing So Your Children Can Afford To Move Out
A child’s first day at school is a big moment for both them and their parents. For most parents, however, it’s also a relief, especially financially. Even so, time flies and it really won’t be too long before they’re grown up and looking to leave school. At that...
How To Keep Your Business Safe
Between Brexit and COVID19, the last few years have been tough on businesses. Realistically, nobody is out of the woods yet. With that said, if businesses have made it this far, they can probably make it to better times. Taking the right approach will, however, be...
Will Interest Rates Go Up Or Down In 2023?
The change from one year to the next is often a time when people think about what the future will bring. One of the key questions for this year is the question of what direction interest rates will take. The answer to this question will depend on two main factors....
Is It Still A Seller’s Market?
The introduction of the SDLT (Stamp Duty) holiday sparked a frenzy in the housing market. Realistically, it was only to be expected that the end of the tax break would lead to a slowdown. Just like people, there’s a limit to how long markets can run at maximum speed....
Time For The Self-Employed To Have A Mortgage Checkup
If you’re self-employed and a homeowner or (potential) homebuyer, then now is the perfect time to have a mortgage check-up. After the last few years with Covid-19, inflation and cost of living increases, your financial situation may not be the best. Don’t, however,...
Mortgage Advice You Can Count On
Are You On Top Of Retirement Planning?
It’s probably fair to say that, right now, many people are more concerned with getting through the present than planning for their retirement. This is understandable. The problem with this approach, however, is that the future can arrive much quicker than it seems...
Are You (Financially) Ready For Retirement?
If you’re at the younger end of the boomer generation, then retirement should be high on your list of priorities. In fact, even if you’re in Gen X, retirement should be one of your key considerations, especially if you’re at the older end of it. This means you...
What Does Inflation Mean For Modern Retirees?
Retirees have traditionally hated inflation. It often has a brutal effect on fixed incomes such as the State Pension and annuities. Pension freedom may have helped to take the edge of this somewhat. Even so, inflation is likely to have to remain a concern for retirees...
Are you approaching retirement?
If you are nearing retirement, you may have been particularly worried about the impact of recent market volatility on your pension assets and perhaps you are reassessing your retirement plans. There are several things to consider if you are planning to retire, which...
10 Healthy Financial Resolutions For 2023 (And Beyond)
New Year’s resolutions shouldn’t be just for January. Effective New Year’s resolutions should create a foundation for healthier habits throughout the year. With that in mind, here are ten healthy financial resolutions for 2023 (and beyond). I will budget effectively...
Are You On Top Of Retirement Planning?
It’s probably fair to say that, right now, many people are more concerned with getting through the present than planning for their retirement. This is understandable. The problem with this approach, however, is that the future can arrive much quicker than it seems...
Are You (Financially) Ready For Retirement?
If you’re at the younger end of the boomer generation, then retirement should be high on your list of priorities. In fact, even if you’re in Gen X, retirement should be one of your key considerations, especially if you’re at the older end of it. This means you...
What Does Inflation Mean For Modern Retirees?
Retirees have traditionally hated inflation. It often has a brutal effect on fixed incomes such as the State Pension and annuities. Pension freedom may have helped to take the edge of this somewhat. Even so, inflation is likely to have to remain a concern for retirees...
Will Interest Rates Go Up Or Down In 2023?
The change from one year to the next is often a time when people think about what the future will bring. One of the key questions for this year is the question of what direction interest rates will take. The answer to this question will depend on two main factors....
What’s stopping you from saving?
Generally speaking, and subject to investment charges and performance, the more you save and the earlier you start saving the better shape your finances are going to be in when you need to draw on them. So why is it then that many of us are reluctant to put money...
10 Healthy Financial Resolutions For 2023 (And Beyond)
New Year’s resolutions shouldn’t be just for January. Effective New Year’s resolutions should create a foundation for healthier habits throughout the year. With that in mind, here are ten healthy financial resolutions for 2023 (and beyond). I will budget effectively...
Investing So Your Children Can Afford To Move Out
A child’s first day at school is a big moment for both them and their parents. For most parents, however, it’s also a relief, especially financially. Even so, time flies and it really won’t be too long before they’re grown up and looking to leave school. At that...
The hierarchy of financial needs
Preparing For Your Very Last Move
Death and taxes are both inevitable. It, therefore, makes sense to prepare for both. Unlike filing taxes, preparing for your death can have its interesting side. In particular, you get to plan your own funeral. You also get the satisfaction of knowing that you’ve made...
What Happens To Your Estate If You Die Without Making A Will
You may have seen daytime TV shows involving “heir hunters”. These people aim to track down the heirs of people who’ve died intestate. They then help them to claim their inheritance (for a fee). In the real world, intestacy isn’t usually so exciting. In fact, it...
Investing So Your Children Can Afford To Move Out
A child’s first day at school is a big moment for both them and their parents. For most parents, however, it’s also a relief, especially financially. Even so, time flies and it really won’t be too long before they’re grown up and looking to leave school. At that...