Monday 15th of April 2019
Plant your tree today. Talk to us ubout pensions, investments, and protection for you, your family and your home.
Friday 12th of April 2019
11th April 2019
Relevant Life Plan
Do you want to provide valuable life cover and financial security for your employees and your family in a tax efficient manner? A Relevant Life Plan could be the answer.
What is a Relevant Life Plan?
A Relevant Life Plan is an individual ‘death in service’ life policy that is affected by an employer on the life of an employee and is funded by the employer. It is a term assurance plan designed to pay a lump sum benefit if the employee covered dies or is diagnosed with a terminal illness during their emp...
Tuesday 2nd of April 2019
Have you thought about how your cash flow could be affected if something were to happen to a director, owner or key employee?
How would your creditors react?
It may be that one of your company directors stands as the guarantor for your company’s loans. If they were to die, or be diagnosed with a serious illness, it could have a severe impact on your business’s arrangements with its creditors and debtors.
Do you know how they would react? If business loans were called in, could your company afford to pay back its creditors and continue tradi...
Friday 29th of March 2019
You’ve decided to take the plunge and get onto the property ladder, having swapped fun and frivolity for fastidious frugalness to save the deposit. But what can you do to boost your chances of getting your first mortgage?
Check and correct
The three main credit reference agencies, Equifax, Experian and Callcredit, will all use data to score you differently. Lenders will use one or more of these agencies to decide whether to offer you credit.
The general rule is, the higher your credit score the better, so if after checking you feel your s...
Thursday 21st of March 2019
According to research women now control 30% of the world’s wealth, up from 25% held five years ago. Women are also expected to see their wealth grow 7% faster than men until 2020, this is a result of women acquiring more wealth through inheritance, but they are also making their own money by becoming entrepreneurs and running their own successful businesses.
Both men and women believe that ISAs are an important saving product, however there is still a gender gap on savings. A contributing factor to this gender gap is the difference in att...
Monday 18th of March 2019
Philip Hammond delivered his Spring statement on 13 March.
Friday 15th of March 2019
National Living Wage (for age 25+) rises to £8.21.
National Minimum Wage rises to £7.70 (21 - 24-year olds), £6.15 (18 - 20-year olds), £4.35 (16 - 17-year olds), and £3.90 (apprentices under 19 or in the first year of their apprenticeship).
Council tax bills rise up to 4.99%
Universal Credit for households with children and those with disabilities will to go up £1,000.
End of the 2018/19 tax year. Have you used all your allowances?
Start of the 2019/20 tax year
ISA allowance remains at £20,000
Junior ISA allowance go...
Tuesday 12th of March 2019
Get in touch today to use your remaining ISA allowance for 2018/19 before time runs out.
Monday 11th of March 2019
Tuesday 5th of March 2019
If you answered ‘phone’, we wouldn’t be surprised. After all, it has been estimated in 2022 around 53.9million people will be using smart phones in the UK, an increase of 12million since 20151.
Your phone is so important to you that you probably upgrade it regularly too, to reflect your changing needs.
But, do you do the same with your life insurance?
“Why would I need to update my insurance?”
Life may have changed since you last bought or reviewed your life insurance. You may have had children, moved to a new house, or your income may h...