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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

I am sitting here having just recovered from covid which has brought back memories, and the importance of protection. Over the years the amount of protection policies taken out has decreased rather than increased, in 2021 there were 20.4 million policies taken out, which is 30% less than in 2014 (29.3 million).* When I started

My previous article was written before the last UK government budget announcement, it detailed the basis of a budget and was written on the eve of the budget revelations. I highlighted the fact that there is often speculation prior to the speech but until the announcement has been revealed it is only guess work. Also,

I am writing this column on the eve of the UK’s ‘Government Budget’, and so I thought it would be an ideal subject to reflect upon. So what is The Budget ? In simple terms it is a projection of the Government’s revenue and spending for a particular period of time, often referred to as

During Covid, I feel we saw a higher level of camaraderie that has now somewhat dissipated as life returned to normal, and keeping an eye on loved ones and neighbours is so important, to ensure they are managing through the winter months, particularly with the current cost of living crisis. It’s thought that one of

With the cost of living crisis most of us have reduced our spending to try to enable more disposable income but we should not just look at the money we are spending, it is also about the tax we are paying. With the end of the tax year approaching these are some of the considerations:

A New year and a fresh start, but what will 2023 bring? As usual I am writing this article prior to Christmas and to begin with I opened the piece I wrote last year with the realisation, little did I know what 2022 would bring. It has certainly been an interesting year: The Ukraine war,

The answer to this will be different for everyone and it will depend upon each individual’s circumstance, but it may be the right time to consider this if your Pension is in drawdown. A Pension annuity provides an income for life and is taxed as income. As the market in the last few years has