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Is your pension underpaying you

The state pension is an essential source of income for many retirees in the UK, providing financial stability and security in retirement. Unfortunately, recent reports suggest that the state pension system is underpaying thousands of individuals, resulting in...

The pros and cons of 40-year mortgages

The UK mortgage market has a wide selection of both variable-rate and fixed-rate mortgages.  It also has other niche mortgage products such as offset mortgages.  One of the more recent entrants to the market is the 40-year mortgage on a fixed rate.  In principle, this...

Spring statement – Investors

Like its predecessor, the spring budget, the spring statement heralds the beginning of the end of the financial year.  It also sets out what investors can expect from the year ahead.  Here are its key points. The UK is expected to avoid a recession The Office for...

Are Voluntary National Insurance Contributions Worth The Money?

In the UK, every new year, financial writers remind their readers to organise their finances before the end of the financial year. For some people, this may include deciding whether or not to pay voluntary National Insurance contributions. If you are one of these...

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...