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With the new tax year just beginning and the last one fresh in our minds, I thought I would write about ISAs as I often find that these are overlooked. ISA stands for Individual Savings Account, which were introduced on 6 April 1999, replacing the earlier Personal Equity Plans (PEPs) and Tax-Exempt Special Savings Accounts

I am writing this article on Valentine’s day, which has focused my thoughts on what I view as one of the essential ingredients for a long and happy relationship. It is estimated that financial problems contribute to 20-40% of divorces, which indicates that out of 10 marriages that end in divorce four of them are

I know I have said this before but investing is not just about performance, it’s also about taxation, and trying to minimise the tax you pay on your investments. In recent years I heard many individuals comment on how unattractive their Cash ISA had become. With the increase in interest rates, it can be more

January is usually a tough month after Christmas, many people are paid before the holiday which makes this a long period before the next pay day, and with this year being in the midst of the cost of living crisis it’s going to be even tougher for some. Although things are looking slightly more positive,

In previous years I have usually dedicated a critique to January’s article about preparing yourself for the New Year, but this year I considered that perhaps I should do this a little earlier, allowing more time to prepare. I have read many times that the clearer the resolution, the more likely it is to succeed.

We are just about to enter what I regard as the season of madness, which is not going to be easy for many people due to the current cost of living crisis, therefore I thought it would be a good idea to address this in the article. It was only 3 Christmases ago when Christmas

I have received some very sad news with regard to both clients and friends and this has brought home the importance of making sure you have everything in order in case anything happens to you. It is probably too early to know all the knock-on affects from the pandemic and if this is a factor.

Many people are currently talking about AI and the impact of this pending revolution on our lives, so what does the abbreviation stand for? Artificial intelligence. It is hard to know what the future is going to look like, just the other day I made a reference to AI taking away all the menial tasks

I am sure many are aware of the interest rate rises over the last few months. The Bank of England base rate started to increase in March 2022 when we saw it rise from 0.25% to 0.5%, currently the Bank of England base rate is 5%. In turn the average standard variable mortgage rate is