Finance

Retirement mop up: Master the importance of financial review

Pensions, Finance

Peter McGahan concludes his tips on pensions and retirement preparation by explaining the value of undertaking a regular check on your finances.
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How much retirement income do I need? From minimum to comfortable income

News & Views, Finance

Don’t lie to yourself about your retirement income. Putting your head in the sand only encourages pain further down the line. ...

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Coming up to retirement: 9 essential tips to a happy future

News & Views, Finance

Peter McGahan explores the nine emotional needs that must be considered as we approach retirement. ...

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Corporate tax avoidance: How UK tax havens lead the way while you pay

News & Views, Tax

Peter McGahan questions the UK’s position as enablers of corporate tax avoidance at a time when British consumers are being taxed so heavily.
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Savings you can enjoy!

Property, Sponsored

Putting savings to good use: HPB has as much to offer dog-owners as families – as one Bondholder couple is discovering… ...

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Death and taxes: Consumers pay while corporations play

News & Views, Tax

Peter McGahan muses over rising taxes and why the burden is passed to the public rather than the corporation making extraordinary profits....

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Good financial decisions: How apathy and emotion can be expensive

News & Views, Finance

Apathy has always been the biggest risk to investors and savers. As Peter McGahan explains, it can be expensive and gets in the way of good financial decisions…
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Many happy returns

Finance, Property, Sponsored

Majorcan magic, and more: three generations enjoy holidays in the UK, overseas, and especially on their favourite Balearic Island…...

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Holidays, food, wine …

Property, Finance, Sponsored

For the finer things in life: good food and good wine – key ingredients for a great holiday. HPB finds favour with gourmets…...

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Holiday Property Bond – value for money and lots of family fun

Property, Finance, Sponsored

Whether Spain, Scotland, or elsewhere in the portfolio, the numbers add up for one Bondholder couple and their extended family…
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The inflation hoodwink: What’s behind extraordinary rises

Finance, News & Views

Tightened your belt over the past three years? The reasons for those rising costs aren't as transparent as you've been led to believe....

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Rising inflation – a deeper dive into who makes money from misery

News & Views, Finance

With rising costs on everything from water bills to mortgages and the weekly shop, Peter McGahan explains why the real causes of inflation...

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Why inflation matters: the painful facts facing UK families

News & Views, Finance

Inflation really does matter. It wipes out your financial security and it hurts us all, well not necessarily all. Read on, Peter McGahan will explain.
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It’s great to know your holiday booking power is protected for life

Property, Finance, Sponsored

Inflation protected holiday booking power, and an ever-growing choice of locations: HPB provides an education in holidays for two former...

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Pension drawdown or annuity? Freedom vs security

Pensions, News & Views

Overshadowed by pension drawdown, the unfashionable annuity is back in vogue as people seek security amid financial turmoil. But which...

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The Holiday Property Bond Quiz

Finance, Sponsored

Find out how much you know about Holiday Property Bond and what you are missing out on.
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Targeted retirement funds: Effective strategy needed

Savings & Investments, News & Views

Peter McGahan examines the value of targeted retirement funds. Learn how managing your investment portfolio strategically can minimise risk...

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Converting one holiday home into countless holidays

Sponsored, Finance, Property

The Holiday Property Bond could do as much for your quality of life as it has done for many thousands of families who have already...

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Pension changes: Ambiguity for savers, tax-free cash and IHT

Finance, Pensions

Navigate the complexities and impact of proposed pension changes on savers, tax-free cash and inheritance tax. Peter McGahan explains all.
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Planning your financial future: Why you should eat the egg, not the chicken

Finance, News & Views

Identifying your financial priorities and ignoring consumer distractions is a simple, effective strategy for future savings, writes Peter...

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Return of the 100% mortgage and a boost to beleaguered ‘help to buy’

News & Views, Property

Recent moves to revive the 'help to buy' scheme could be a political vote swinger but something more creative is needed to assist those...

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How mortgage apathy can cost £160,000

News & Views, Property

If you’re sitting on your mortgage, assuming that switching won’t bring any significant gains, think again! It might be costing you more than you r…
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The benefits of a mortgage broker

Property

The best mortgage deals are rarely on the high street and loyalty counts for nothing. Peter McGahan explains why....

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Disturbing headlines about banks in trouble – no need to panic

Finance, News & Views

There is a lot of noise about banks in trouble and doom-mongering of imminent financial collapse. Peter McGahan reads between the lines to...

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Are the banks really in trouble? The collapse of SVB needn’t be a worry

Finance, News & Views

Headlines, headlines, fear, and more fear. It can all become a little overwhelming indeed, writes Peter McGahan.
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Five ways to add value to your home and your quality of life

Home Improvements, Property

Home improvements can make a big difference to a house sale price and, even if you're not looking to move, upgrades can improve your abode...

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Two cool ISA tips – Understand market fluctuation and why volatility can be a friend

News & Views, Savings & Investments

In a final ISA column before the end of tax year rush ends, Peter McGahan shares some useful tips for would-be investors....

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The brutality of tax on your investments | Impact, examples and strategies

News & Views, Savings & Investments

ISA season is upon us so Peter McGahan takes a look at the benefits of the tax-free investment product and how you could be missing out!
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Watch out for the April 5th investment tax change

Finance, News & Views

As we approach the end of the financial year, Peter McGahan looks at investment tax allowances and an unwelcome reduction that is due in...

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Equity release options: Think before committing

Finance, Equity Release

There are a few alternatives to consider before equity release, Peter McGahan encourages you to think them through....

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Fraud risk to over-65s is revealed as Scam Bingo game launches

News & Views • One Comment

Take Five to Stop Fraud campaign launches Scam Bingo game to help raise awareness as new research highlights the risk of fraud to over-65s.
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Unlocking the benefits of equity release: risk and reward examined

News & Views, Equity Release

Over the next couple of weeks, Peter McGahan will give a good run down of all the thoughts, risks and benefits around equity release and...

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Equity Release: understanding the perils of mis-sold products

Equity Release, News & Views

Peter McGahan explains why there are many solutions available before equity release is the right choice - even with the pressures of the...

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Debt consolidation loans – an attractive option that could save you money

Money Saving Tips

With rising interest rates giving people nightmares about mortgage and credit card repayments, Peter McGahan explains the attraction of debt consolidation loan…
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Setting financial goals – simple steps to regaining control

Money Saving Tips, News & Views

Financial security and independence are key emotional needs but to achieve it you need discipline and a goal. Peter McGahan explains how...

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New year’s ‘financial resolutions’ tips – take action & stop procrastinating

Finance, Money Saving Tips

January is the month many of us turn our back on our finances. The cost of Christmas arrives along with other brown envelopes. Peter...

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Our mental relationship with money

Finance, News & Views

Post-Christmas financial stress catches many of out in January. Here, Peter McGahan explains why a proactive approach to money management is needed – for…
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Are Green Mortgages worth it? The drive for efficient energy living

News & Views, Property

Crippling energy costs have caused many homeowners to explore how to be more efficient. So what are Green Mortgages and what do they do?...

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Avoid the Christmas scams – vigilance is key.

News & Views

Christmas is a lucrative time of year for scammers. Peter McGahan says don't act emotionally and always keep your guard up if you want to...

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PSTN and copper switch off – older people worry about changes to landlines

News & Views

New research exposes knowledge gap around the ‘Copper switch off’ and highlights concern among older people about the looming change.
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Recession fear mongering – this is no time for investors to panic

News & Views, Finance

Peter McGahan argues against a pattern of headlines spelling recession and doom for the UK economy in 2023 and says investors must look to...

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Presence or presents? The importance of family is the real magic of Christmas

Finance

Presence rather than presents is what makes Christmas magic - and that togetherness is something no credit card can buy, writes Peter...

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Christmas budgeting – 10 simple tips to avoid stress in January

Finance

Be a smart Christmas shopper and avoid starting the New Year with a debt hangover.
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Energy bills: why household finances and business certainty will continue to suffer

News & Views

Professor Jim Watson explains why more ambition is required to deliver energy efficiency policies or accept that many households will...

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Spending and emotional needs – short-term happiness turns sour

News & Views, Finance

Why real financial planning is needed to counter the short-term boost of emotional spending that only postpones the stress and anxiety of...

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Could market volatility and inflation mean you have to delay retirement?

Finance, Sponsored

Find out how market volatility and rising inflation could have an impact on your retirement plans.
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Is it really a mortgage panic and housing crash?

Property, Finance

Peter McGahan cautions against making rash decisions on your fixed-rate mortgage while markets calm and the Chancellor sets to work on...

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Gender Investment Gap – Women missing out on £599 billion

News & Views • One Comment

Research shows UK men have £599 billion more than women in ISAs, investment accounts and private pensions...

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Lost pension pots and rejoice in the cauliflower strategy

Pensions

Between 2018 to 2022, the increase in lost pension pots rose by £7billion. Are you among the contributors to this forgotten £26billion in funds.
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Pensions, mortgages and the chaos of The Muppet Show. What’s going on?

News & Views

Peter McGahan looks back on a tumultuous couple of weeks in politics and the impact on your pensions and mortgages....

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Spotting a scam: Expert reveals 7 ways to identify suspicious websites

Finance

Seven simple ways to stay safe online and keep scammers at bay....

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Protect your money: Assessing potential for loss

Savings & Investments

When you have concentration risk in a fund and markets and that sector falls, it falls exponentially. That isn’t the stabiliser that you hoped for within your …
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Cost of living: Savings relied upon by many to help balance books

News & Views

Many turn to savings to navigate cost of living, whilst pension contributions remain steady since June according to Barnett Waddingham...

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Making a Will: importance of when, why and how you should do it

News & Views

If the last few years have taught us anything, it’s that there’s no better time to make a will than right now. Victoria Timothy...

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Biggest scams – older people beware this winter!

Finance

Take a look at some of the biggest scams that you need to be aware of right now and over the next couple of months.
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Your funeral, your way – sidestepping painful costs

Finance

Only 1% of families know what their loved one wants at their funeral - a new service aims to help make things transparent and promote...

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Investment diversification – risk of keeping all eggs in one basket

Finance

We can easily overdiversify our investments for many reasons, and they are very, very common, even with some of the very largest funds....

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Top call centre complaints – older people affected most by poor service

News & Views

Banks continue to shut branches forcing people to use call centres, here are the top annoyances of telephone banking.
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Life insurance – don’t trust to luck for your family’s security

Finance

Life insurance may be a morbid subject for some but it is well worth your attention in these uncertain times, writes Peter McGahan. ...

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Why under-insurance of your home could be a very painful mistake!

Finance, News & Views

80% of UK properties are underinsured – here’s why cutting costs now could cost you far more than you bargained for!...

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Should I downsize to save on energy costs?

Money Saving Tips, News & Views

Downsizing is an attractive option for some people given high property prices. Peter McGahan examines what you need to consider.
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The mortgage nightmare scenario!

Property, Finance

The Bank of England may have to increase rates much faster than expected to cope with the government’s stimulus. So, if you have a...

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Money transfer apps – 8 essential safety steps to take

Finance

Money transfer apps give you greater power over how you manage your finances, but for those unfamiliar with technology they can be a worry....

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Money down the drain! Home appliances that burn energy

Money Saving Tips, Finance

Natalia Lachim explains why leaving appliances left switched on and on standby increases your energy bills and why we should be switching off rather than throw…
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Mortgage rates and the economy – proactive steps offer better security

News & Views, Property

Mortgage lenders are removing offers and rates are rising, but what does that mean for your mortgage? Peter McGahan explains. ...

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Help-to-Buy nightmare – the next mis-selling scandal?

News & Views, Finance

Help-to-Buy was supposed to solve the problems of 1000s of people struggling to get onto the property ladder but as David Woodward explains...

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Your electric car – How far will you go?

Finance, Sponsored

Driving to an electric vehicle charging point is less of an issue these days. In fact, popular destinations are now firmly on the electric vehicle map. Embrace…
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Preparing for retirement – 5 tips to keep you secure in later life

Finance

As concerns for older people’s mental health continue throughout the cost-of-living crisis, financial experts share tips for preparing...

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What will Liz Truss do for us? Big decisions needed

News & Views, Finance

Peter McGahan considers what the new PM will offer the UK and more importantly what she will do for the pounds in your pocket....

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The UK’s most common online and text scams – don’t fall victim to cheats

News & Views, Home & Lifestyle

A new survey has uncovered the UK's most common online and text scams and the over 60s are the group most susceptible to be drawn in. ...

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Unexpected tax traps and how to avoid them

News & Views, Tax

The UK has a complex tax system. Navigating it can be difficult and it can be easy to fall afoul of tax traps and pitfalls. Here are the...

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Creative ways to make money from risk

News & Views, Savings & Investments

Peter McGahan returns to the theme of risk exposure and how diversification of risk can pay dividends in the longer term.
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Trussenomics vs cold reality of a monumental crisis

News & Views, Finance

Susannah Streeter, senior investment and markets analyst at Hargreaves Lansdown considers what wriggle room the new PM has on the economy. ...

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Cost of living: 4 in 10 worry about need to work beyond the state pension age

News & Views, Pensions

More action needed to support workers earlier to ensure successful transition to retirement....

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Junior ISA – Grandparents can play important role in financial literacy

Savings & Investments, Finance, Sponsored

If you’re looking for an effective, tax-efficient way of passing some of your wealth down to your grandchildren, a Junior ISA may be the best option.
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How to understand the risk in your investments

Savings & Investments, Finance

Peter McGahan explains how risk and reward go hand in hand and to manage risk in your investments....

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Foreign exchange rate and the greed of €14k fees

Money Saving Tips, Finance

Don't run the gauntlet of greedy exchange rate pickpockets before you leave on holiday. Peter McGahan explains how to side step unnecessary...

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Sterling versus euro – gloomy forecasts, costs increase and existential risk

News & Views, Finance

Winter promises tough times for the pound and the euro but even tougher times for consumers if you have dependencies in both currencies.
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Reduce your tax bill – be brilliant at the basics

Tax, News & Views

Tax mitigation is very different to avoidance. Peter McGahan explains how to reduce your tax bill without offending the tax man....

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Financial shock – How to reduce worry of unexpected money troubles

News & Views, Finance

Life can come at you fast. Even the most carefully laid financial plans can easily be derailed by the unexpected....

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Over 50s money worries keep 41% awake at night

News & Views, Finance

Money worries are the number one cause of sleep loss among over 50s, new research finds.
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Tax advice – the stars that unnecessarily fell through poor guidance

Tax, News & Views

Peter McGahan examines how poor tax advice has landed a string of celebrities and stars in trouble with the tax man....

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Housing market – cashflow is a killer but market will level

News & Views, Property

If you are in the housing market, you cannot predict its movements, but you can think to protect yourself against the hikes, writes Peter...

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House prices – good judgement needed to avoid interest rate havoc

Property, Finance

Trying to predict the housing market is like licking a restaurant window to ascertain the menu, writes Peter McGahan.
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Bitcoin – be mindful of the false promise of easy money

News & Views, Savings & Investments • One Comment

Back in 2017, I was asked about Bitcoin and covered the benefits and risks at length. For the record, when it was at £4000 as a price and...

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FairFX Currency Card – the easy way to get more for your money

Finance, Sponsored

It’s easy to get more for your money with FairFX, whether that’s spending at home or getting great rates with no transaction fees...

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Fuel duty – UK falls behind Europe in supporting motorists through cost of living crisis

News & Views

Finance expert Holly Andrews says more is needed from government to help consumer cope with spiralling fuel and energy costs.
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5 cost of living scams to watch out for right now

Finance

Holly Andrews reveals five cost of living scams that consumers need to be aware of right now....

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What now for the stock markets? Security in insecure times

Savings & Investments, Finance, News & Views

Volatility in the stock markets and inflationary pressures are putting pressure on our spending, but as Peter McGahan explains the reasons...

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The all-in-one payments solution for overseas transactions

Finance, Sponsored, Travel

FairFX is your all-in-one payments solution. Get great rates on several currencies with no hidden fees, saving you money on international payments.
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Older people ‘unretiring’ – data reveals pension crisis prompting return to work

News & Views, Pensions

Nick Jones, head of retirement living at Lottie, warns of the impact the pensions crisis will have on older workers approaching retirement....

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Kill emotion to see through noisy financial data

News & Views, Savings & Investments

Headlines, hyperbole and emotions are not a sound base for your investment decisions, writes Peter McGahan ...

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ESG investing and greenwashing – the dirty secrets of UK funds

News & Views, Finance

Less than 10% of UK funds meet Environment, Social and Governance policies and the net is closing in.
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Managing your money to outsmart stagflation

News & Views, Finance

Peter McGahan continues his look at stagflation and the steps you should consider when managing your money. ...

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Protect your money – Stagflation has arrived

News & Views, Finance

Peter McGahan considers the impact of stagflation on the economy and how its consequences affect your buying power and savings....

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How to deal with inflation – best ways to reduce financial stress

News & Views, Finance

Peter McGahan looks at how you can deal with inflation by taking stock of your monthly expenditure.
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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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Why retirement as we know it could soon become obsolete  

News & Views, Pensions • One Comment

When they approached retirement, the pensioners of today largely knew what to expect. Reaching their State Pension age would almost...

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Rising energy bills – no help for pensioners in the Queen’s Speech

News & Views, Finance

Sarah Coles, host for Hargreaves Lansdown’s Switch Your Money On, reflects on the Queen’s Speech and more importantly what was missing.
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