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Should you trust internet forums

I was recently sent a link to a thread on a well-known Internet forum aimed at mums, where the poster was asking for advice on what to do with an unexpected £250,000 inheritance. The willingness of people to offer advice with so little information on the individual’s...

Spring clean your finances

Its spring cleaning time… With the smell of daffodils in the air you may be turning your thoughts to spring cleaning, which whilst not the most pleasant of tasks, sets up our household for the year. However, as a financial planner with a dislike of dusting, sweeping,...

Why have we fallen out of love with the ISA

The Individual Savings Account (ISA) has been the short and medium-term savings vehicle of choice since they replaced PEPs and TESSAs in 1999. However, last year had the lowest number of people paying into ISAs since the second year of their life – why? The easy and...

When is a gift not a gift?

Imagine if Santa gave you a toy but told you it was still his to play with. You probably would not consider that a gift. Neither would the taxman, he would say it is a “gift with reservation”. In the grown-up world this occurs when people attempt to avoid inheritance...

Do you really need a Lasting Power of Attorney?

I recently heard a comedian complaining about how difficult it was to pay his utility bill. He was saying how he got taken through five minutes of security questions before they would let him pay his bill over the phone. When he challenged them as to why this was...

Long term care

The first time most people think about funding long term care is when they or someone they love needs it. Care can be given at home or in a care home, but either way, it has to be paid for. Sometimes the NHS will contribute for someone with a chronic illness, but...