New Taxation rules on Buy-To-Let set to bite

Data from the Nationwide Building Society in November showed that the buy-to-let boom may be tailing off. Their figures show that they lent £2.8bn in the six months to September 2016, down from £2.9bn in the same period a year earlier. From April 2017, landlords could find themselves paying tax at higher rates as a … Continue reading “New Taxation rules on Buy-To-Let set to bite”

Innovative Finance – a more interesting way to save?

Innovative Finance ISAs are now available – and they’ve got savers excited. Promising around double the interest of the best cash ISAs, they allow tax-free investment in peer-to-peer lending. Are they what we’ve all been waiting for? Lately we have seen a flurry of developments on the ISA front.  In April of this year we … Continue reading “Innovative Finance – a more interesting way to save?”

10 tips for building your investment portfolio

Warren Buffett once said, ‘Investing is simple – but not easy.’  Here are ten simple tips to make investing that little bit easier – whoever you are. In investing there are no absolute right or wrong answers, only better or worse solutions.  Better solutions are founded in a process that encompasses insight into the problem … Continue reading “10 tips for building your investment portfolio”

Beware when buying income protection online

We all love price comparison sites – but they can let you down when you’re looking for suitable income protection. The biggest price comparison sites risk misdirecting visitors to unsuitable PPI cover or policies that offer only ‘suited occupation’ cover. More and more consumers are waking up to the need for income protection cover – … Continue reading “Beware when buying income protection online”

Today’s the day for advice

On the first working Monday of the New Year, more people search for a financial adviser than on any other day. Will you be among them? Whether you’re saving, buying a home or drawing a pension, here’s how independent advice can give you the best possible start to 2017. Advice Day isn’t one of those … Continue reading “Today’s the day for advice”

Insulate your money this winter

Did you know that we lose most of our savings through our heads? That’s right – because we don’t think about how much unnecessary tax we’re paying. Here are some ways to make sure your money is wrapped up tight, to keep out those (over) draughts. If your home loses heat, you lose money. We’ve … Continue reading “Insulate your money this winter”

The hidden message in the Autumn Statement

The Autumn Statement from Philip Hammond set out the Treasury’s plans to prepare the UK economy for the challenges of Brexit. We go through the Chancellor’s key announcements to tease out the underlying message he sent to workers, savers and pensioners. It seems like autumn is the time for JAM.  That’s JAM as in ‘just … Continue reading “The hidden message in the Autumn Statement”

Spreadsheet Phil keeps rabbits in the hat

In his first and last Autumn Statement, ‘Spreadsheet Phil’ lived up to his reputation, avoiding any gimmicks, or Trump-esque spending plans, but nevertheless found spending equivalent to 0.4% of GDP, focused on a series of targeted measures designed to boost and rebalance the UK economy. Chancellor Hammond had a fine line to tread: He couldn’t … Continue reading “Spreadsheet Phil keeps rabbits in the hat”

Your 10-point plan for the perfect pension

Do you tend to plan your life, or just go with the flow? When it comes to ensuring you’ve got money to spend in retirement, the only way is planning. Whether you’re just starting your career or about to end it, here are the 10 best pension tips to live by. ‘Pension are for old … Continue reading “Your 10-point plan for the perfect pension”