Be a Scamsmart Investor

Posted by siteadmin on Monday 8th of May 2017

For many people, their pension pot represents a major asset. Pension scams can cost people their life savings, and with little time left to rebuild their pension savings, can leave them facing a bleak retirement.

Following the recent surge in fraudulent cold calling, the government has launched a consultation over the banning of pension cold calling. Research by the Money Advice Service suggests that there could be as many as eight scam calls made every second.

The Chancellor, Philip Hammond, is also considering giving pension firms greate...

How to Plan Your Retirement Income

Posted by siteadmin on Tuesday 2nd of May 2017

Someone once said that preparing for retirement was as big a challenge as starting your first job, and in many ways, it can be.

In the early part of the last century, retirement was sadly often very short. Thanks to increasing life expectancy, people retiring today could be looking at several decades. That’s why more and more people are taking advice on how to plan their income so that they don’t run out of money in their later years.

The changes in pension regulation that came into force in April 2015 mean that many individuals now have m...

Life Insurance Myths Dispelled

Posted by siteadmin on Tuesday 2nd of May 2017

Each year thousands of families in the UK benefit from the payouts made by life companies; sadly, many more suffer financial hardship as the result of the death of a breadwinner.

Most of us have heard about the benefits of life insurance, but many people still put off taking out a policy, believing in some of the myths that have long been perpetuated. The fact is, loved ones left behind if you were to die would need taking care of financially, and life insurance is one of the best ways of preparing for the worst-case scenario.

Myth: Prem...

The Self-employment Boom Amongst Women

Posted by siteadmin on Monday 1st of May 2017

There has been a surge in self-employed women workers in the UK over recent years, according to figures from the Office for National Statistics.

Women account for just under a third of all self-employed, and they have made up over half (53%) of the increase in self-employment since 2008. Part-time self-employment has also grown rapidly amongst women, many of whom choose to fit work around childcare responsibilities or caring for the needs of elderly parents.

However, just one in eight self-employed women contribute to a personal pension pl...

Women Workers Foregoing Insurance Protection

Posted by siteadmin on Monday 1st of May 2017

According to recent research (1), it’s not just the gender pay gap that women workers have to contend with. Many are also likely to be putting themselves at risk when it comes to having adequate insurance cover in place. New findings from a major insurer show that more than half of women in the UK have no life insurance or critical illness cover. The survey also found that 28% of respondents were worried about what would happen to their family if they were too ill to work or worse, if they died.

When asked why, women responded that cost was...

Why Surveys Are Vital When Buying Property

Posted by siteadmin on Monday 1st of May 2017

Having a survey carried out on a home before you commit to buying it makes good sense and can save you stress and money in repair bills. Surveys can throw up defects that could be very costly to put right, especially in older properties.

A survey provides reassurance and can help you decide whether to proceed with your purchase. If the surveyor reports problems that need to be remedied, you could still decide to go ahead, using the survey findings to negotiate on the purchase price.

A mortgage valuation isn’t the same as a structural surve...

What's in Your Wardrobe?

Posted by siteadmin on Monday 1st of May 2017

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Make 2017 The Year You Protect The People and Things That Matter Most

Posted by siteadmin on Monday 1st of May 2017

Taking out the right protection policies for your needs may not be at the top of your list of New Year resolutions, but arguably it should be. These policies ‘do what it says on the tin’; they offer protection against a wide variety of unexpected events that every year happen to thousands of families up and down the country.

Having a policy in place means that if disaster strikes, there is a financial payout available to help make things better. There’s a wide variety of policies available in the marketplace and on your own it can be diff...

English Over-55s Own Property Worth More Than Italy's GDP

Posted by siteadmin on Monday 1st of May 2017

New research (1) shows that English homeowners aged over 55 hold £1.5 trillion of equity in their homes, a figure that’s more than the annual GDP of Italy.

Looking to the future, increasing longevity means that the over-55 population is expected to grow by a third in the next 20 years. So, by 2036 the figure could increase to £1.9 trillion, not including likely house price inflation.

Small wonder then that retirement homebuilders, McCarthy & Stone, find that 34% of people aged 55 to 64 in the UK are looking to downsize to a smaller propert...

Mortgages and Insurance – Why They Should go Together

Posted by siteadmin on Monday 1st of May 2017

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