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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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The Amazon Brushing Scam. And Friends…

Have you been ‘brushed’ yet? If not, it’s quite possible that you soon will be… What are we talking about? The latest in a seemingly never-ending series of scams to hit people. According to consumer group Which?, hundreds of thousands of people up and down the UK have received mystery parcels from Amazon, containing goods

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Will COP26 Affect my Savings?

There cannot be anyone reading this article who hasn’t heard of COP26, the conference on climate change and global warming which is taking place in Glasgow in the first two weeks of November. (If you didn’t know, COP stands for Conference of the Parties – those countries which signed the original UN Convention on Climate

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The Budget: Marks out of Ten…

Rishi Sunak, the Chancellor of the Exchequer, delivered his second Budget speech of the year on Wednesday October 27th. It was, he declared at the start of the speech, “a Budget for a new age of optimism”. He sat down an hour later with Conservative backbenchers furiously waving their order papers as he promised “a

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