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Financial Advice During a Career Change

All too often, it is fears about money which hold us back from the career change that we so desperately want. We might want to enter marketing, law or the world of music, yet we look at the mortgage, bills and other commitments we have and baulk. Wouldn’t it be great to have the financial […]
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Rising Rail Fares: Is There a Way to Cut Costs?

Few things are as frustrating at the moment for commuters than the recent announcement that railway fares have risen by 3.2% from 2nd January 2019. This rise is due to the fact that railway fares – along with other fares regulated by the government (e.g. season tickets) – are linked to the retail prices index […]
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Pension Cold Calling is Finally Illegal

Some positive news has arrived in time for the new year. From 9th January 2019, any pensioner who receives a cold all about their retirement savings can finally be armed with the knowledge that such activity is now against the law. This new law not only covers receiving cold calls but also extends to the […]
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How Much Christmas Really Costs…

Emerging from the 2018 holiday season, many of us will be looking at our bank accounts wondering: “How on earth did all that money disappear?” The truth is, very few of us have any idea how much will spend in the run-up to – and during – Christmas. The fact that so many people cannot […]
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How to Create the Life You Want (Part II)

In our previous article, we talked about how to start laying out a financial plan to achieve your life goals (e.g. travelling the world in retirement). That post looked specifically at drawing up a “road map” and set of SMART goals towards this end.   In this article, we’re going to focus more on the […]
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How to Navigate Pensions during Divorce

When a couple decides to dissolve their marriage or civil partnership, many people think that the family home is the most important asset to distribute. However, pensions are often neglected – despite the fact that these might actually be more valuable than the equity in the property.   Divorce is an unpleasant topic and pensions […]
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Tips on Saving for the True Cost of University

For many years now, students looking to enter university have faced the prospect of annual fees of over £9000. With many courses being 3+ years in length, young people are understandably often now thinking twice before submitting their UCAS applications. This is not to mention the living costs that will pile up the costs even […]
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Does Reducing Inheritance Tax Mean Losing Control?

Inheritance tax (IHT) is a painful tax to face. Given that you want to pass on a meaningful legacy to your loved ones, it is little wonder people are interested in ways to legitimately reduce their IHT liability.   Unfortunately, one of the consequences of some approaches to IHT planning is loss of control over […]
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How to Create the Life You Want (Part I)

All of us only get one life. It is a shame, therefore, that many people drift along without a plan to realise the dreams they might have for the future. The good news is, with some careful forward planning, many of these same people still have time to realise their life goals – whatever they […]
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A Guide to Weathering Stock Market Turbulence

Market turbulence occurs when the stock market suddenly, and unexpectedly, rises and falls within a short space of time. It can be highly disconcerting for investors who have their assets tied up with these stocks, especially when these decline in value. In such times, there is often a strong emotional and social pressure to pull […]
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