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Finance

The health benefits of retiring by the sea

Property

Winter sun or fresh sea air? Both rank highly for Brits who are considering a move in their retirement. Here, Jamie Turnbull looks at the potential health benefits of retiring by the sea.

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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...

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Succession planning for businesses

News & Views

Identify what you would like to happen with your business assets in your own Will and protect staff and shares in the enterprise you have...

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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 explains the risks.

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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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Release equity in your home to spend on family and retirement

Property

Unlocking capital from your home can help you get on with living and enjoying your retirement, writes Gillian Girling....

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Selling high and buying low or vice versa

News & Views

How to avoid the classic mistake investors make – buying at a high, when everyone is buying, and sell at a low when everyone else is selling.

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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,...

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Moving back to the UK after living abroad

Property

Inflated property prices are a barrier to expats wanting to return the UK, but buying is not the best or only option explains Gillian...

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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 how attractive the returns. By Peter McGahan.

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BBC announces end of free TV licence for over 75s

News & Views

Three million households face losing right to free TV license in 2020 in "important and difficult decision"....

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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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Moving house – top tips for a stress free move

Property

The stress of moving house is a path few a keen to tread too often. Here, Gillian Girling offers some useful tips to ensure your house move...

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“Only little people pay taxes”

Tax

Tax efficiency is not tax avoidance. Why getting IFA advice on investments, bonds and tax liability will help your finances in later life....

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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 severe pressure as have their earnings. Peter McGahan explains why a yield-based investment strategy has risks.

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Mortgages if you’re approaching retirement age

Property

The property market is set for a period of change, writes Ruban Selvanayagam, and it looks set to present more choice to those in or...

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Here’s why you need to pay off your mortgage before retirement

Property

Financial responsibility now is the way towards a happy retirement in the future. Follow these steps to pay off your mortgage sooner rather...

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Rising care costs bleed life savings of older people

News & Views

A government cap on the cost of care will not prevent older people losing their life savings and homes, warns Independent Age

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Separations, divorce and discretionary trusts

Finance

Relationship breakdowns and squabbles over entitlement to a share of an estate are common and wholly avoidable. Nadine Wealands explains...

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Clever ways to balance your Brexit investments

News & Views

Many people are unaware how actively (or not), their investments are being managed or how exposed they are given the exceptional...

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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 the monthly cost is greater.

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As phishing gets smarter, what could businesses do for older clients?

Finance

Scammers are constantly devising new ways of persuading people to hand over sensitive personal data, so what can service providers do to...

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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...

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Why more people want to downsize when they retire

Property

How rental could be the alternative to spending retirement rattling around in a large home and having the worry and expense of its upkeep.

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Energy Bills Near £1,300^ – 5 Ways to Beat Constant Price Rises

Money Saving Tips, Sponsored

Why not save your hard earned money for something better spent on you? ...

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How will Brexit affect my retirement pension?

News & Views

Brexit is imminent and many thousands of Britons still do not know how their pensions will fare when the UK exits the EU....

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Time to look again at ISAs!

News & Views

Money doesn’t grow on trees but as Tony Page explains the Innovative Finance ISA could help you feel like it does.

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Finding your IFISA sweet spot

Finance, Sponsored

Finding your IFISA sweet spot can help you get a balanced rate of return for moderate risk. Here's how an Innovative Finance ISA (IFISA)...

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How will Brexit affect my monthly bills

News & Views

As the interminable Brexit wrangles continue we take a look at how leaving the Eu will affect your monthly bills....

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Why rent instead of buy?

Property

Renting may not suit everyone, but it’s growing in popularity and more retired people could step off off the property ladder and join ‘Generation Rent’, writes Gillian Girling.

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Brexit B-Day house price risks

News & Views

Brexit: It's like trying to use a kitchen roll for a boat sail in a multiple angle storm....

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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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Life insurance, over 50s plan or funeral plan?

Finance

Guaranteed over 50s life insurance plans can provide peace of mind and safeguard your loved ones against the financial burden of a funeral after you are gone.

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Understanding Environmental, Social and Governance

News & Views

Reducing risk, extra returns, and being nice with it. That's ESG....

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How would the over-50s fare in a no-deal Brexit?

Finance

One of the biggest worries for the over-50s is the economic uncertainty that comes with Brexit. Find out how to protect yourself in the...

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The surge of socially responsible investing

News & Views

Environmental, Social and Governance (ESG) investing is experiencing a boom as people seek to insure their money is invested ethically – but is performance positive or neutral?

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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...

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Why are financial markets important

News & Views

Financial markets can seem complex and confusing, but they are essential to the smooth running of global economies.

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Think It’s Too Late to Learn About Bitcoin? Think Again

News & Views

Find out why you are never too old to learn about Bitcoin and cryptocurrencies....

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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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2019 New Year debt resolutions

Money Saving Tips

Tips on how to reduce your personal debt and start 2019 on a sound financial footing.

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The price of being a loyal customer

News & Views

Whether its energy, insurance or your mortgage - sticking with the same provider over time can have hidden expensive consequences....

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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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Inheritance Tax to go digital: less admin, better guidance, but no quick solutions

News & Views

Sarah Coles says ‘This will come as no comfort to anyone currently mired in the (IHT) process. You’re likely to hit your deadline for submitting your forms well before we see any material change.’

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How will Brexit affect my investments and finance

News & Views

A second referendum with a result to remain would undoubtedly have the most immediate positive impact on the market, particularly as...

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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...

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Women falling way behind in personal pension planning

News & Views

Pension Review Service survey finds women lag male counterparts by a staggering 75 per cent

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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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Probate fees to soar from April 2019

News & Views

Dan Atkinson of EQ Investors considers yesterday's announcement that the cost of securing legal control over a deceased's estate will soar...

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FAANGS for the bites Facebook

News & Views

No Halloween pun intended. Tech stocks are a very attractive option but if you think they are a safe option – think again.

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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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Six solutions if you’re bumping up against the pensions annual allowance

Pensions

Sarah Coles of Hargreaves Lansdowne looks at six ways to make the most of your pension annual allowance....

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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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Give generously to help escape inheritance tax

Tax

New figures show that families who lost a loved one paid a record £5.2bn in inheritance last year. Wills and probate expert Jill Rushton...

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Mortgage: Two or five years fixed rate

Property

If you are considering taking out a fixed-rate mortgage in the coming months, consider how a hard Brexit could impact your pocket. ...

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Tips on protecting your family and business

News & Views

There are lots of life insurance products available and as Peter McGahan explains, they should be considered an essential part of protecting your family.

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Inheritance stealth taxing

Tax

Autumn promises publication of the Office of Tax Simplification's recommendations on Inheritance Tax and the impact could be far-reaching...

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Equity release providers risk to your money

Equity Release

If you are considering equity release, Peter McGahan ponders a few questions that might make you to reconsider, or dump the idea of...

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The UK’s most expensive (and cheapest) funeral costs

Finance, Sponsored

If funeral costs continue to rise at the same rate as today – by 2024 the average cost of a UK funeral could be £5,925 says new report by Legal and General.

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Equity release costs to increase?

Equity Release

Many equity release lenders are exposed by the underlying negative equity guarantee and may well have to increase their costings to cover...

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Protecting debts against cancer

News & Views

How critical illness plans can help repay a mortgage, pay down debts, seek medical treatment or simply allow yourself time off work stress...

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There’s a gite for every budget

Property

Stewart Andersen considers the French gite market and property opportunities for Brits interested in value for money and rental potential.

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Inheritance tax abolished?

Tax

Fancy having to keep a track of receipts (over a lifetime) with tax liability assessed against the total? Could this be the successor to...

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Better mortgages can give you a day off work!

Property

When was the last time you assessed the value of your mortgage? Remember to shop around, fees are different, as are rates - and the...

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IHT: Gift to my children now or later?

News & Views

There are some creative ways you can help your family (in your lifetime) to lessen the burden of inheritance tax. Read on …

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The great inflation robbery

News & Views

UK inflation stands at 2.3% (May 2018) and plans to remove the fuel duty freeze will hit low income consumers further. So how can you...

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Nine out of ten workers are ‘financially sleepwalking’ into retirement

News & Views

New study underlines the need to put in place a clear, workable plan to lay the foundations to have a comfortable and financially secure...

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How much can I withdraw from my pension?

Pensions

There are many factors to consider when taking money out of your pension writes Peter McGahan.

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Downsizing? Five questions to ask yourself first

Property

Whether you plan to downsize to a park home or any other kind of property, here are the five necessary steps to consider prior to your...

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Over 1000 times the cost of a mortgage

Money Saving Tips

One in four of us went overdrawn last year and 2.1 million people were overdrawn all year. The cost of this credit is a huge waste of...

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Don’t be caught out by this important inheritance tax change

News & Views

Inheritance tax is an issue which affects many of us, yet the vast majority of people are unaware of the impact the tax will have on their estate and – ultimately – what their loved ones will inherit once they are no longer around.

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A third of people expect to wait 4-6 months for inheritance

News & Views

With only two people in five having a valid Will, our understanding of how long probate claims take to resolve is sadly lacking....

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Hidden 7% cost for flights

Money Saving Tips

Holiday season is on its way, so where are the cost savings? Peter McGahan takes a look at slippy hidden costs and points out where you can...

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Equity release – what could you do with £150,000?

Finance

Growing numbers of people are considering equity release as a financial retirement solution. But what are the pros and cons of releasing capital from your home?

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Is Equity Release right for me?

Equity Release

If you see your property as the safety net for pension shortfall or long-term care costs, there are many things to consider first, writes...

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Parents among biggest lenders in UK

Savings & Investments

Shock horror! Who would have thought it? 60% of first time buyers find succour at the Bank of Mum and Dad....

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Head to Malaga to breathe cleaner air in your second home

Property

Overseas property expert Stewart Andersen looks at second home options offered on Taylor Wimpey Espana’s new development at La Reserva de Alcuzcuz, Benahavis.

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Jumping market jitters

News & Views

Peter McGahan says there are obvious points in your financial life to step into or exit financial markets - but this should never be done...

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How to choose an architect?

Property

Loft conversions, building extensions or renovating a buy-to-let? Tina Patel has tips on where to start when choosing an architect....

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End of year tax breaks

Tax

Peter McGahan presents some common sense strategies to make the most of your tax allowance as the end of the financial year approaches.

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1 in 3 retirees underestimated how much money they needed to live comfortably during retirement

News & Views

Property has become a popular choice for funding retirement, with 1 in 10 planning on downsizing, and 1 in 20 planning to use equity...

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Management charges on your pension and investments

Pensions

Peter McGahan says the public perception of pension and investment funds being actively managed bears little resemblance to reality....

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5 key people you need when selling land or property

Property

When it comes to dealing in property if your gut says someone is not the right person to represent you, then listen to that feeling says Alex Harrington-Griffin.

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Debt domino effect on economy

News & Views

Peter McGahan warns that cheap debt and complacent lending is a dangerous mix with so much uncertainty around the economy....

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House price imperfect storm

Property

Peter McGahan examines how buy-to-let landlords are being hit by new borrowing rules pushing the market down by 17% year on year. ...

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Is it time for a financial health check?

News & Views

Do you worry about money? Do you know where you stand, or is it a mystery that you’d rather park for another day?

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Why this is looking like an excellent time to consider buying a property in France

Property

Stewart Andersen says market conditions and price stability make 2018 an attractive year to invest in property in France....

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Is your financial stress impacting your health?

News & Views

New research suggests that alongside sleepless nights, financial stress could be affecting both your mental and physical health....

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House prices? Should I stay or should I go?

Property

At a time when you may be questioning whether or not to move on or invest in a second property, Peter McGahan outlines the arguments for and against.

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Bitcoin bubble burst? Read between the lines

News & Views

Can the bitcoin survive in the ever-changing market? Peter McGahan explains. ...

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Five vital money questions you should ask your parents

News & Views

Be sure to secure your ageing parents financial future with these five important questions. ...

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Your financial New Year

News & Views

New Year promises shouldn’t just be about getting active, Peter McGahan outlines the financial resolutions you should consider for the year ahead.

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Five financial planning tips for 2018

Money Saving Tips

The end of the financial year is an opportune time to consider whether your plans are on track and highlight areas for action....

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Ten money saving tips when buying travel insurance

Money Saving Tips

The holiday is not the only thing you need to fork out on, travel insurance can be just as expensive. Make sure you get the best quote with...

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Proactive financial planning if you’re single

Money Saving Tips

Top five tips to help you have a happy financial future if you rely on a single income.

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Top tips to boost your retirement savings

Pensions

It's never too late to make a difference to the life you will lead in retirement. Learning to boost your saving now can ease the transition...

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The hidden expense of buying new property

Property

Average Britons spend £10,000 on upgrades in the first five years of living in a new property, writes Stewart Andersen....

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Reviewing your final salary pension

Pensions

Are you a member of the final salary pension scheme? It’s important to know just what you will be entitled to when the time comes.

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