From student loan to your first pension and mortgage

You go to university because you want a good job and career. But what you won’t necessarily learn is how to adapt to your new life earning money and being financially responsible. Here are the top tips about work and finance that every graduate should know. There are many daunting aspects of graduating from university. … Continue reading “From student loan to your first pension and mortgage”

Seven power tips for pension planning

If you think life is looking more and more like Tales of the Unexpected, don’t despair. It’s still possible to take control of your own future – by understanding how pension freedom works. They say predicting the future is a mug’s game. They have a point. Just a couple of months ago, if I’d suggested … Continue reading “Seven power tips for pension planning”

Retirement regrets and how to avoid them

First, the good news. Research1 shows that nine out of ten recent  retirees are really enjoying their retirement. Freed from the  restrictions of working life, they can pursue their hobbies, take lots of holidays and spend more time  with their families. Where people have regrets, it’s often to do with the way they planned for … Continue reading “Retirement regrets and how to avoid them”

Buy-To-Let – Where are we now?

The buy-to-let market looks set to change in the coming years as April’s tax changes start to bite.  Buy-to-let landlords have already faced changes in Stamp Duty Land Tax in England and Wales, and Land and Buildings Transaction Tax in Scotland. New landlords, or those wanting to take on new loans, will also find themselves … Continue reading “Buy-To-Let – Where are we now?”

How your family can help you buy a home

Your parents would love to help you onto the property ladder – they just don’t have a huge lump sum to give you. Fortunately there are other ways for them to help, from guarantor mortgages to family flexible mortgages. We take you through the main options, and their pros and cons. As a first-time buyer … Continue reading “How your family can help you buy a home”

Will the Lifetime ISA help you buy your first home?

There’s a new ISA in town: the Lifetime ISA. Designed to help both first-time buyers and people saving for retirement, it’s certainly an ambitious idea – but does it deliver, and what are the drawbacks? Let’s take a look at this ISA’s finer points. If you’re a 20-something or 30-something in the UK today, you … Continue reading “Will the Lifetime ISA help you buy your first home?”

How much should you keep in cash?

Is cash still king? The twin pressures of inflation and low interest rates are making cash savings less attractive – but what are the alternatives, and do they suit your needs? The main attraction of cash is that… it’s cash. The money is there exactly when and where you need it, and typically know you … Continue reading “How much should you keep in cash?”

How to be an unbiased investor

Making investment decisions is a lot more complex than it seems. Even with experience and knowledge on your side, there are other factors than can sway your judgement without you even noticing. You like to think that you’d look out for yourself. After all, no-one could care about your financial interests as much as you … Continue reading “How to be an unbiased investor”

Six ideas for starting your business

Nearly everybody’s got a great business idea – but only a few succeed in turning their reverie into revenue. What’s their secret? Here are six tips for getting your venture off the drawing board and into the marketplace. So you’ve come up with a brilliant business proposition. What next? Many new ventures fail to get … Continue reading “Six ideas for starting your business”

Put your money to the marshmallow test

Are you better at living for today than planning for tomorrow? A long-running experiment has shown how being unable to hold back can hold you back in the long term. From the moment you receive your first pocket money, you’re plunged into an age-old struggle. Should you spend that money now, or save it for … Continue reading “Put your money to the marshmallow test”