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Broken New Years resolutions

By the time you are reading this there is a 50% chance that you have already given up on your New Year’s Resolutions. This year “saving money” seemed a particularly popular resolution, alongside the classic “losing weight”, but did you give any thought as to how you...

How poor will you feel in 2018?

One thing we know is 2018 will bring is a further squeeze on disposable incomes. So what can you do to maintain your disposable income? There are two broad options, increase your income and/or decrease your non-discretionary expenditure. Trying to earn a higher return...

Wills – the rights and wrongs

Other than following the correct process to ensure it is valid there are very few absolute wrongs and rights when it decides who should receive what under a Will, what is important is the consequences of every clause and bequest is understood. For example, issues may...

Should you cash in your pension to buy a property?

The property vs pension debate never seems to go away. Despite the massive tax penalties associated with property some people are still looking to “cash in” their pension to buy an investment property. The numbers just don’t add up, just look at the following. Let’s...

Deadline to the Breadline

Deadline to the Breadline Recent research conducted by Legal & General as part of their “Deadline to the Breadline” study shows on average UK employees could be on the breadline in just 32 days if they lost their main source of income due to sickness, accidental...

Secret Millionaire

As a nation, we have a reputation for being very repressed when it comes to talking about money. If most people suddenly became a millionaire, they would probably keep it secret from all except their nearest and dearest. Over recent months I’ve come across a...