Investment Update - Interest rates rise again to combat inflation
Posted by siteadmin on Tuesday 2nd of August 2022
Market performance in July was strong, as a ‘bad news is good news’ dynamic appeared to take hold.
Many investors are reflecting on the year so far, which saw the largest falls for the S&P 500 index over the first six months since 1970. The MSCI All Country World Index (which tracks the largest companies around the world) also suffered falls and its worst opening six months since its creation in 1990.
However, not all industries have performed in the same way. For example, the energy sector held up relatively well due to high crude oil a...
Talking to kids about the value of money
Posted by siteadmin on Friday 1st of July 2022
After seeing their six-year-old son’s birthday list, Liz and Dan have realised it’s high time they started teaching Archie about the value of money. It’s true they both have reasonably well-paid jobs and only the one child but, even so, a Saint Bernard puppy, a quad bike, a horse and a life-size dalek don’t come cheap. So, what can Liz and Dan do to ensure Archie doesn’t end up bankrupting them before he goes to high school?
Pocket money
Archie is nearly seven - the age when most parents start giving their children pocket money, according ...
How to save for a house deposit
Posted by siteadmin on Friday 1st of July 2022
First time buyers guide to saving for a deposit
When preparing to buy your first home, saving for a deposit can be a difficult process. As house prices, inflation, cost of living and mortgage rates increase, it can mean that some mortgage lenders may require larger deposits of the property value. This can be challenging trying to save a large sum of money and for some within a limited time. According to the Office for National Statistics, the average UK house price was £277,000 in February 2022, which is £27,000 higher than this time ...
Funeral Planning
Posted by siteadmin on Friday 1st of July 2022
Can you afford to die?
Although not traditionally associated with jollity, for those who like to have the last laugh, a funeral may offer the perfect opportunity.
It’s becoming increasingly popular to use humour during services to reflect the personality of the individual being celebrated. A survey by Co-op Funeralcare on the music people would like at their final goodbye found Another One Bites the Dust by Queen, Going Underground by the Jam and Highway to Hell by ACDC were among the chosen tunes.
After the music’s faded, graveston...
Home Insurance - Contents vs Buildings Insurance
Posted by siteadmin on Tuesday 28th of June 2022
Home Insurance - What you need to know
One wet and windy evening, Rachel and Nathan decided to take advantage of their newborn, Eli, falling asleep in his moses basket by getting an early night. Gently picking up the basket from its regular spot in front of the fireplace, they crept upstairs. No sooner had they settled in bed when they heard a massive crash from the living room. They ran back downstairs to find a pile of rubble in the exact spot Eli had been sleeping just minutes earlier.
Aware the incident could have been much worse...
Budgeting tips for saving money while making your life better
Posted by siteadmin on Monday 27th of June 2022
Whether you want to go on holiday or just want to save some money for the future, budgeting is a good way to put aside some money for reaching this goal. Here you can find some tips to help you take control of your finances.
Why is budgeting so important?
You might think that it’s not worth to spend that much time with counting all your income and expenses. But if you use apps or spreadsheets to make it visible how much you earn and spend on average every month, it will pay off.
In case of the unexpected or just having a big expense, it’s...
Investing for your children's future
Posted by siteadmin on Monday 27th of June 2022
As parents to four children ranging in age from three to 12 years old, Rachel and Samantha were horrified to hear on the news that a quarter of 20-to-34 year olds still live at home with their parents. As much as they love their kids, the idea they might still be a permanent fixture around the house into their 30s terrifies them.
Are Rachel and Samantha right to be concerned?
The short answer to this is yes! Research by Civitas has indeed found that a quarter of 20-to-34 year olds still live with their parents – a million more than two dec...
How would you manage if an accident stopped you working?
Posted by siteadmin on Tuesday 31st of May 2022
Matt was delighted when he landed his dream job as a football coach. He got to do what he loved every day. Life was good until, one day, he fell down the stairs and everything changed. Matt seriously hurt his back in the fall and now struggles to stand for any length of time. As a result, he needs regular physio and hasn’t been able to work since the accident. Managing the pain and being unable to do the job he loves is hard enough but his situation is made worse by the fact he is now constantly worrying about how he’s going to make ends m...
A Fine Balance - Investment Perspective
Posted by siteadmin on Thursday 19th of May 2022
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First Steps to Investing
Posted by siteadmin on Thursday 12th of May 2022
There is no right time to begin investing but there are some decisions to make that could affect your returns. If you are 7 years old and saving your pocket money for a PS5, 17 saving the money from your first job for a car, 27 saving for your first house or 57 and finalising your retirement plans which include a dream holiday, we can provide personalised advice for you.
Angela was looking at ways she could reduce her inheritance tax. After spending some time researching, she realised she could make small gifts to as many people as she like...
