Optimist vs pessimist – what does it mean for your money?

Is your glass half full or half empty? When managing your money and ensuring your financial security, both optimism and pessimism have key roles to play. Does it matter if you’re an optimist or a pessimist? Optimism is generally considered far more desirable, and research has consistently correlated it to many positive outcomes, ranging from … Continue reading “Optimist vs pessimist – what does it mean for your money?”

Life insurance holders risk leaving money to the wrong people

When was the last time you reviewed the recipients of your insurance policies? Insurance provider Phoenix Life has found that the majority of people have forgotten to update their policies after setting them up. This could result in money going to the wrong people in the result of a payout. Research by Phoenix Life has … Continue reading “Life insurance holders risk leaving money to the wrong people”

Does your money need a New Year workout?

We can all be guilty of letting our finances go, especially over the Christmas season. So now is a good time to take a long look at the state of your wealth and review the plans you have in place for the future. Regard us as your personal trainer, here to help you get your … Continue reading “Does your money need a New Year workout?”

Don’t underestimate the value of insurance

Insurance policies are designed to provide financial safeguards and valuable peace of mind. If you’re a homeowner then it makes sense to have plans in place that protect you, your family and your home. LIFE INSURANCE TAILORED TO YOUR NEEDS There are various plans designed to protect you and your family: Life policies – these … Continue reading “Don’t underestimate the value of insurance”

Death in Service vs life insurance: which is better?

Your employer may offer you a benefit known as ‘death in service’, which would pay out to your loved ones if you were to die while employed there. But how does this differ from ordinary life insurance – and is it a substitute? Employee benefits can be a big factor in choosing which company to … Continue reading “Death in Service vs life insurance: which is better?”

Could your child’s illness hit your earnings?

Many people take out income protection or critical illness cover to safeguard their finances if they have to stop work due to illness. But a child’s serious illness can have an equally severe impact on your ability to work full-time. Would your insurance cover this too? Most parents know the feeling of having to ask … Continue reading “Could your child’s illness hit your earnings?”

Contractor? Solve your 3 biggest problems

Working as a contractor through your own limited company can be very rewarding, and not just financially. That said, it can sometimes be a bumpy ride. Choosing to become a contractor is a major decision, which can transform your career and your life – if you get it right. Most importantly, it can allow you … Continue reading “Contractor? Solve your 3 biggest problems”

Think about the level of protection you need for your family

If you have a life policy, can you recall the level of cover you have in place? The majority of people take out a life policy when they take out a mortgage, file it away and forget about it. This can be a huge mistake. The level of cover you took out a while ago … Continue reading “Think about the level of protection you need for your family”

Parents are worried sick about falling ill

Recent research1 by Aviva shows that nearly half of parents with dependent children are concerned about what would happen to their finances if they or a member of their family developed a serious illness and was unable to work, believing they could not support their lifestyle for even a month.  However, they are still more … Continue reading “Parents are worried sick about falling ill”

Why do we forget about life insurance?

It’s a funny thing, insurance.  Most people insure their car, house & contents, holiday, carpets and so on, but what is the most valuable thing in your house? In these current times of austerity who wants or needs to pay out yet another monthly premium especially on something like insurance we will never spend!  Yet … Continue reading “Why do we forget about life insurance?”