Author: Peter McGahan

Record interest rates … risks danger of Stagflation

News & Views, Finance

As the newspapers scream of record interest rates, Peter McGahan asks why they are rising and what benefit to the economy is there?

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Easy steps to reduce inflation – action needed

Finance, News & Views

Peter McGahan suggests the easiest steps to reduce inflation would be to apply a windfall tax but legislative action needs to be taken to...

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Who is really driving inflation? Lobby groups and lies for profit

News & Views, Finance

Peter McGahan examines who profits from inflation and the unseen influence of lobby groups on our economy....

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How to safely hold your investments – Essential steps peace of mind

News & Views, Savings & Investments

Peter McGahan explains why you should understand where your investments are held and how to manage them effectively....

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Financial plan – why goals are key to successful money management

News & Views

The past two years has paralysed many people revising their spending or creating a financial plan. Peter McGahan explains why it's time to...

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Equity, wealth and the worrying cost of inflation

News & Views, Finance

It’s the question we all want an answer to - will our costs continue to soar?...

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Rising inflation – The rich get rich and the poor get poorer

News & Views

Peter McGahan continues his examination of inflation, how it is weakening your spending power and why banks stand to benefit....

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Will inflation continue to rise? Expert view

News & Views

Will inflation continue to rise? is the question many of us need answered. Peter McGahan takes a look at what is driving up the cost of living.

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Inflation bubbles and their devastating impact on society

News & Views, Finance

As the man on the street struggles to feed their families companies are posting profits of billions ...

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Inheritance Tax – Best ways to use resident nil rate band

News & Views, Tax • One Comment

'Inheritance Tax is about as popular as a politician' so take action to protect against it, writes Peter McGahan....

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Protection planning – take your 1st steps to financial security today

News & Views, Finance

Don’t put off until tomorrow what you can do today. Peter McGahan looks at why protection planning is so important

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Tulipmania exposed – the need to get perspective on your finances

News & Views, Finance

I’ve had a few questions over the Christmas and New Year break about some of the get rich quick schemes which keep appearing. Sitting in...

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‘Inflation proofing our money is essential particularly in today’s very unknown markets’

News & Views, Finance

Inflation is currently more than 2.5 times the inflation target the Bank of England is supposed to hit/stick to. Peter McGahan looks at...

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Financially healthy Christmas

News & Views, Finance • One Comment

36% of women suffer stress, due to money, at Christmas, trying to make it as special as possible. Peter McGahan considers what you can do to prevent overspending.

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Why do we financially procrastinate?

Money Saving Tips

Have you ever considered why you financially procrastinate when a timely decision will save you stress and most likely money, too?...

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Easy Inheritance Tax tips

News & Views, Tax

Peter McGahan lays out some straightforward rules for mitigating the impact of inheritance Tax....

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Inheritance Tax – understanding the value loan trusts

News & Views

Peter McGahan explains how Loan Trusts can help you start the process of estate planning and mitigate exposure to Inheritance Tax.

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COP26 or sustainable living? Now or never time

News & Views

Soundbites and political facade, Peter McGahan questions what COP26 can deliver without strong leadership and action....

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Stagflation and your buying power

News & Views

How many remember the 300 year low inflation rate we currently have of 0.1 per cent, is well below the average since 1975 of 9.4 per cent?...

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The benefits of independent financial advice

News & Views

Peter McGahan discards the financial jargon for a common sense explanation of why it is necessary to seek independent advice when managing your finances.

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Restricted or independent financial adviser?

News & Views

There is a world of difference between an independent financial adviser and a 'restricted' adviser. Peter McGahan explains how it can...

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Your local economy – cherish and protect it

Finance, News & Views

How the convenience of shopping online undermines the local economy and starves the Exchequer of tax revenue....

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Paying for care: don’t panic – plan!

Care and carers, News & Views

Paying for care is a challenge many families will face and failure to look ahead could have far reaching consequences if you rearrange your estate for income and capital growth purposes.

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Pension age is rising, beware and plan!

Pensions

In 2028, the minimum age for access to your pension will rise to 57 from 55. Peter McGahan explains why you should review your...

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Honest conversations: preparing for long term care

News & Views, Care and carers

There comes a time for us all when we need care. Peter McGahan takes a look at the importance of talking openly about and preparing for...

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‘Get rich quick’ and other traps to look out for

News & Views, Finance

Peter McGahan asks, ‘What does it mean to make a smart investment?’ It’s better to consider things carefully instead of buying into trends or ‘get rich quick’ schemes which can go bad later on.

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House damage to first time buyers

Property, Finance

Peter McGahan looks at how young people are being denied a place on the property ladder and explains why a ladder with its bottom rungs...

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Dejá vu and risk of UK house price bubbles

News & Views, Property

Peter McGahan considers why the UK is prone to house price bubbles and how post pandemic savings and attitudes to work could be about to...

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Proven steps to take control of debt burden

News & Views

Peter McGahan looks at how many have slipped into the red for everyday spending and encourages us all to take control of debt.

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Positive steps to mitigate Inheritance tax

Tax

Our last two columns have focused around your property and Inheritance Tax given the surge in house prices. ...

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Inheritance tax planning: Gifting my house but living in it

Tax

Peter McGahan continues to examine how property ownership and rising prices affect your exposure to inheritance tax. ...

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Inheritance Tax – Huge rise in house prices raises exposure

Tax

Peter McGahan explains how house prices rises have left many with the unwanted burden of Inheritance tax.

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Inflation and mortgage rates beware a rise

News & Views, Property

If you are looking to mortgage or have a fixed-rate due to end, rises in inflation and rates could cause you concern. Peter McGahan...

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Tax efficient redundancy

News & Views, Tax

Peter McGahan considers the post-furlough economy and presents a few tips for you to consider if you are being made an offer of...

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Passive investing losses certain from climate change

News & Views, Savings & Investments

As markets move to meet the UN’s sustainable development goals (SDG’s), Peter McGahan argues that apathetic investors risk losses after being left with dirty stocks.

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Passive investment hot air balloons

News & Views

In marketing any product, the aim of the marketeer is to make as much money from that product, often telling whatever story suits. Some are...

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Interest rates and inflation could see prices soaring

News & Views

May’s increase in inflation was largely down to clothing and footwear but many sectors haven't yet passed on higher prices to consumers...

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Avoiding financial scams

News & Views • One Comment

UK bank fraud hit a new record of over £479m exacerbated by lockdown and as Peter McGahan reveals the crooks have a finely tuned strategy...

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Inheritance Tax ISAs

Savings & Investments

Whilst it’s clearly one of the most tax efficient savings plans available, an ISA has one obvious flaw: Inheritance Tax. ...

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Investment bond or collectives

Savings & Investments

Spread your investments across different areas to balance out risk and give you greater flexibility to readjust in line with performance, writes Peter McGahan.

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Where now for PruFunds with profits?

Savings & Investments

In this week's column: Peter McGahan looks at the woes of PruFund and the with profits bond....

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UK value stocks’ rocketing value

News & Views

Peter McGahan explains what value stocks are and why they are so attractive when inflation rates rise....

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Guaranteed structured investments (not)

Savings & Investments

Peter McGahan explains why products marketed under the term ‘guaranteed structured investment’ are poorly understood and actually offer little in the way of certainty or guarantee.

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Sustainable societies, it’s happening

Savings & Investments

The attraction to sustainable investing for higher returns is growing as we slowly grasp that non-tax paying organisations who pay poorly...

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Greenwashing sustainable investments

Savings & Investments

Green washing is where companies tick a box to prove they meet Environment, Social and Governance standards - even though they are as...

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What is sustainable investing?

Savings & Investments

What is sustainable investing and why are neoliberals and corporations so against it? Peter McGahan explains why you should care.

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Is the old investment world gone?

News & Views

Is the old investment world gone? Peter McGahan explains why we can't expect all previous models to continue to work....

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Tax day soaky damp squid

Tax

Tax day delivered some pretty significant impacts to businesses and individuals who could find themselves having to pay two year’s tax in...

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Will interest rates rise and should I fix?

Finance

Most economists agree, especially post the budget, that inflation will rise. Peter McGahan considers the impact and whether now is the right time to fix your mortgage.

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Equity Release advice

Equity Release

There are important considerations to weigh before you commit to an equity release product. Peter McGahan explains why. ...

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Stamp licking budget

News & Views

Peter McGahan looks at how the 2021 Budget will affect you as a consumer, your mortgage and lifetime allowance for pensions....

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How safe is equity release?

Equity Release

Second of a three-part examination of the pro and cons of equity release products. Written by Peter McGahan.

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Property investment

Property

Peter McGahan explains why property investment needs careful management to stand the best chance of positive returns. ...

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Is equity release a good idea?

Equity Release

Equity release is not a one size fits all solution to deliver additional retirement income or help for your grandchildren. Peter McGahan...

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Upsides of Bitcoin

Savings & Investments

Peter McGahan talks Bitcoin and how in spite of the narrative of people power behind Bitcoin, the reality is the top 2.8% of Bitcoin addresses own a staggering 95% of the supply of the coin.

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Trump – End of an Error, launch of ESG

News & Views

America is back. Diplomacy is back. Peter McGahan comments on the Biden administration's Environment, Social, Governance strategy and what...

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Making money resolutions work

Money Saving Tips

2021 is shaping up to be a very challenging year. Here, Peter McGahan tells how to make your new year money resolutions work. ...

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Is the UK stock market about to turn?

News & Views

Peter McGahan considers whether post COVID and Brexit we’ll see a surge in the economy or a more punishing downturn.

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Expect the best, prepare for the worst

Finance

The COVID lockdown has prompted many people to re-evaluate life insurance policies and how best to protect their family. Peter McGahan...

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Taking control of your money in lockdown

Finance

The lockdown has put a lot of people under financial stress, thankfully Peter McGahan has tips for taking back control of your money....

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ISAs and tax efficient investments – the easily lost 22.5%

News & Views

We should all be conscious about the tax efficiency but as Peter McGahan cautions; choose your investment vehicle wisely.

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Drawdown plans top 1 million

News & Views

New data shows the number of drawdown pension plans and the number of those plans that are being transferred....

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Pension tax relief

Pensions

What now for government plans on spending with an untested Chancellor? Peter McGahan explains what it could mean for taxpayers. ...

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Financial Resolutions for peace of mind

Money Saving Tips

It’s better to be in control rather than reactionary, and simple financial resolutions can help buffer up your end of year balance, writes Peter McGahan.

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25% or 1.49% Interest on your debt

Money Saving Tips

On the road to financial freedom, step one is to face the fear. Peter McGahan explains why confronting that fear and planning are essential...

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New Year’s debt resolutions 2020

Money Saving Tips

As 2020 dawns, Peter McGahan looks at the false psychology of trying to keep up with the Joneses and how retail therapy can lead to...

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Investment inequality: 33% Fall or 65% rise?

Savings & Investments

Unsurprisingly, perhaps, those with the least are the losers in a market that has seen the top one percent grow their wealth by 65 percent. Peter McGahan illustrates why.

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The election and your money

Savings & Investments

With a General Election days away Peter McGahan highlights the potential outcomes and implications while cautioning against the impact of a...

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£6.6bn in overcharging closet funds

Savings & Investments

Investors using some managed funds are estimated to be losing out to the tune of billions of pounds. Peter McGahan explains how....

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Inheritance Tax on your pension

Pensions

There are many methods to mitigate Inheritance Tax, but a simple one is the use of your pension. Peter McGahan explains.

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A cashless society

Finance

As countries move toward a cashless society, opportunities exist for smart investments. Peter McGahan explains....

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Negative interest rates

News & Views

Peter McGahan looks at why some economies are hedging towards negative interest rate policies and what it could mean for savers and...

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Property investment fund opportunity?

Property

Property funds have been under the spotlight for some time but with continued Brexit uncertainty do opportunities bring value for money? Peter McGahan tells all.

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Your pension. 77% or 514%?

Pensions

In a world of never-ending 'austerity', making each pound stretch the best it can is everything. This week, Peter McGahan talks pensions....

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Does investment fund size lose you money?

Savings & Investments

Biggest is very rarely best and the size of a fund is no guarantee of positive performance for your investment. Peter McGahan highlights...

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Trump’s Speedos economy

News & Views

Peter McGahan examines how President Trump’s Twitter spats come at economic cost for US consumers but also ripple far further afield.

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Chasing the most consistent returns

News & Views

If you are investing for retirement income, Peter McGahan says diversify your investment strategy to ensure consistent returns. ...

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Worst state pension in the world

Pensions

Many people have been apathetic at studying how well their pension is performing, trusting to luck that their retirement income will be...

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When easy money investments are too good to be true

News & Views

Peter McGahan explains how investors are caught by headlines and marketing blurb, and none can be more so than that of Innovative Finance ISA’s (IFISA).

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Over 50s small business owners unprepared for loss of key staff

News & Views

Small business owners over 50 are their risking financial future by failing to protect themselves against loss of key staff. Peter McGahan...

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49% saving on Life insurance costs

News & Views

Whether you're a director or an employee, many people are missing out on the easiest of tax breaks by not setting up their life cover...

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Holiday currency rip off prices

Money Saving Tips

When it comes to getting value on your holiday money. Don’t stick to what you know. Peter McGahan highlights how you can sidestep the fees, commissions and charges when you travel.

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Double edged sword of Woodford criticism

News & Views

The collapse of embattled stock picker Neil Woodord's fund empire, highlights the risk of putting all your eggs in one basket - no matter...

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Making money from volatility

News & Views

Volatility can be planned for and managed to produce the returns needed to create financial stability and security for your family, writes...

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Pension performance expectations

Pensions

Do you really understand the health of your pension fund? Peter McGahan questions who is best placed to help you make the most of your future retirement income.

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Searching for financial mines with your foot

News & Views

The UK is known for its historic higher yields but with the current Brexit stalemate, UK domestic stock's share prices have been under...

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Pay off your mortgage?

Property

Before paying off your mortgage, Peter McGahan says look at what other debts you might have such as credit cards and unsecured loans where...

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Lopsided boat of property investing

Property

Normal conditions mean a normal return, but these are not normal times says Peter McGahan as he outlines the risk of pinning all your hope on property

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Tax free life insurance or 55% tax?

News & Views

Peter McGahan has news for the 8.5million breadwinners in the UK who have no life insurance at all - leaving the UK under insured by £263...

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Brexit twaddle and your money

News & Views

Three years on from the referendum and the countdown to Brexit continues to throw uncertainty at our day to day finances, writes Peter...

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The price of filling up

News & Views

In 1990 fuel was 40.2p per litre. In 2018 it was 122p, Peter McGahan examines whether this is just supply and demand or an example of markets being manipulated.

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Financial resolutions (part 2)

Money Saving Tips

In the second part of our New Year's resolutions (the first was on debt management), Peter McGahan cover some of the broader financial...

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Further falls in markets and your investments

News & Views

With talk of trade wars and market instability, Peter McGahan warns that the cordiality of relations (or lack of) between Trump and...

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Brexit and my mortgage

News & Views

With so much uncertainty around Brexit, Peter McGahan looks at what affects house prices and mortgage rates and whether now is the time to buy or the time to sit tight.

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Budget or Bodgit

News & Views

Peter McGahan cast an eye over the Chancellor's budget statement which brough a freeze on fuel, booze and tobacco and the prospect of a no...

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“No-one told me the tide comes in”

News & Views

Peter McGahan takes another look at the shifting sands beneath tech stocks (FAANGs) and how you can protect yourself against market...

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Past performance a guide to the future?

News & Views

Analysing the consistency of investments and opportunities is key to understanding where risk lies, writes Peter McGahan.

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Subscribe To Our Newsletter

Subscribe to our weekly newsletter to receive the latest news, reader offers and competitions from our team.

 
 
 
 

Thanks for subscribing to 50connect's weekly newsletters. We look forward to sharing some great content and competitions with you.

Kind regards,

50connect team