In these troubled times, I know that so many people are concerned with their mortgage. I am still working with my clients over the phone and now have access to lenders and their contact details. The Bank of England has slashed interest rates what does this mean for you? The Bank of England has cut the […]
What the budget means for personal finance
The budget was expected. The emergency meeting of the Monetary Policy Committee of the Bank of England, by definition, was not. Both had meaningful implications for personal finance. Interest rates were cut from 0.75% to 0.25% (and have since been cut again to 0.1%) The initial cut sent interest rates back to where they were […]
Is Poor health Making You Poorer?
Although the UK has both a welfare system and free public health care, illness and injury can impact your finances. While there’s a limit to what you can do to protect yourself from becoming ill or injured, you can certainly have a think about what poor health would mean to you and what steps you […]
What Diversification Really Means
Investment portfolios are like teams. They should all work together harmoniously, with each member bringing their own strengths to balance out the others’ weaknesses so that no matter what happens, you wind up with a good result. That’s the theory. The art, science and skill of diversification is building an investment portfolio that makes this […]
The financial realities of getting older
Life is full of challenges and possibly the single biggest challenge of longer life expectancy is working out how to finance it. There are more options than “just” pensions and even if you do go down the pension route (which is often a very sensible approach), there can be all kinds of considerations involved in […]
Help to buy is extended (and limited)
The Help to Buy scheme has been both extended and limited. It’s been extended because it now runs to 2023. It’s been limited because it’s now only open to first-time buyers. Another new twist to the scheme is that the government has introduced new price caps for properties bought under the scheme. Only London keeps […]