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Interest rates tipped to top 2% in the next year

As the inflation crisis in the UK has deepened, the Bank of England has been forced to act decisively by hiking interest rates. In December 2021, interest rates stood at 0.1 per cent, but they’ve since been raised five times and now stand at 1.25 per cent. So the question on everyone’s lips right now

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August Market Commentary

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Introduction  As many readers know, this Bulletin is written from notes we compile throughout the month. One of the most interesting aspects of this is the occasional feeling of ‘was that really this month’ as we start to write the Bulletin.  So it was this month. The race to replace Boris Johnson seems to have

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Will you switch banks for 5%?

Low – or, in many cases, non-existent – interest rates on deposits have been one of the most common complaints from our clients over the last few years. With inflation hovering around 9% – and quite likely to go higher before it falls again – the interest you receive on your savings has become ever

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What is a Trust and Would it be Good for Me?

If you have assets such as land, property, cars, money and investments, you’ll want to be sure they go to your chosen beneficiaries in the future. That way you can be sure that your loved ones have financial stability in the future and that you’ve left them a meaningful legacy. But hang on, doesn’t that

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Does ‘Optimism’ Really Matter?

If your glass is by nature half-empty, you didn’t need to look far for confirmatory information last month.  Energy bills were going up – and are set to rise even further in October. Inflation was up again – with grocery inflation hitting its highest level for 13 years, And, of course, the National Insurance rises

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Are you leaving your retirement planning too late?

For many of us, old age and retirement can feel a long way off, and with the world seemingly lurching from crisis to crisis, many of us are focused on simply getting through the next few days and weeks, rather than looking too far ahead. However, that approach could simply store up problems for the

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Is Inflation Heading Past 10%?

As inflation soars to a 40-year high, many analysts, households and businesses are asking just how much higher could it go? The rate of Inflation jumped from seven per cent in March to nine per cent in the 12 months to April, and according to the Bank of England, it’s likely to keep going up

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Buy-to-let landlords see surging mortgage costs

The buy-to-let market has made a strong bounceback from the pandemic, with demand for rental accommodation soaring in many parts of the country, in particular student hotspots such as Manchester. But while investing in buy-to-let still offers attractive returns, landlords are still facing rising costs, especially when it comes to paying mortgages. According to new

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How bad could it be for UK Businesses?

We all know that there are only two certainties in life – but at the moment there appears to be a third: negative stories in the media about the outlook for UK businesses.  Clearly times are difficult at the moment. The pandemic has been followed by supply chain issues and inflationary pressure, both compounded by

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Leave a Gift to Charity to Reduce Your Inheritance Tax Bill

As the saying goes, you can’t take your money with you when you die, so it’s only natural that you might want to leave your wealth to those people closest to your heart, such as your children. But this isn’t the only option open to you, as you can leave your money to a cause

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