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Financial planning in your forties

It’s well known life begins at forty. Doesn’t it? It should be an exciting decade, full of plans and aspirations. It’s also likely to be a time of optimum earning potential. What’s more, it’s a crucial decade to take a step back and make sure your finances are on track to meet your goals. There’ll

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The end of LISA?

The new girl on the block, in terms of saving products, seems like she may not actually be around for much longer. LISA, or the lifetime ISA, is being threatened with abolition by a Treasury committee, having only been on the market for 16 months. The LISA allows those aged between 18 and 50 to

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Interest rate rise: What does this mean?

The Bank of England has raised interest rates from 0.5% to 0.75%, only the second rise in a decade. Currently, interest rates stand at their highest since 2009 and reflect what the Bank of England perceive as a general pick-up in the economy. The Bank said that a rise in household spending has strengthened the

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Monthly Market Summary – July 2018

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Despite a brewing trade war between China and the U.S. and an increasingly uncertain post-Brexit future, on the whole, July was a buoyant month for global stock markets. In the U.K., World Cup fever and hot weather propelled the retail and hospitality sectors to a successful month. In fact, the Centre for Retail Research estimated

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Where to holiday with a weak pound?

If you are heading abroad over the summer, chances are you will be traveling to an E.U. country. 63% of us hope to travel to Europe in the next 12 months, making it by far the most popular destination for British holidaymakers. However, in the run up to ‘Brexit day’ next March, the affordability of

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The sweeter side of VAT

Legal cases are always most fascinating when they make apparent the law’s many intricacies and ambiguities. VAT tax disputes may not always seem like the most interesting subject. However, a recent tribunal ruling showed how captivating they can be… Kinnerton Confectionery is a company that primarily sells sweets marketed at children – if you’ve ever

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Properties slower to sell than a year ago

The housing market has slowed down significantly. The Royal Institution of Chartered Surveyors (RICS) has reported that whereas last year a home typically took 16 weeks to be sold, the average time is now about 18 weeks. June was the 16th successive month of decline. While people may be experiencing difficulties in selling their houses,

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How best to help your grandchildren financially

Being a grandparent is an exciting time of life. You get all the enjoyment of doing fun activities with your grandchildren but can hand them back at the end of the day. Part of that pleasure is knowing that you can help them financially. Often you’re at a stage of your life where you’re comfortably

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July market commentary

market
Introduction Let us invite you to travel back in time to June 2016, to the day after the Brexit referendum. Meanwhile, across the Atlantic, campaigning in the US Presidential election is in full swing. You are offered two glimpses into the future. The first is that two years on, the UK has apparently made no

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Can we make inheritance tax simpler?

Inheritance tax (IHT) has existed in the UK for over 300 years. In its current form, it was brought in to replace the old Capital Transfer Tax; a measure that was brought in itself as a form of wealth distribution in order to regulate disparity between rich and poor. Although in concept the idea is

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