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Would Your Business Collapse if You Were Gone?
Running a business is very time-consuming and rewarding. So much so that it can be easy to not stop and think about what would happen to it if you were removed from it. Death, illness and incapacity can hit a business owner at any moment, often leaving the company drifting and struggling in the water. […]
Posted in Financial Planning
A Short Guide to Stamp Duty
It certainly seems to be the case that house prices across the UK are not really rising across the UK in 2018-19. Despite this, however, increasing numbers of people are still having to pay stamp duty on their property purchases. What is stamp duty exactly? How does it work, and is there a way of […]
Posted in Financial Planning
Where does my pension go when I die?
Research shows that around 700,000 people are at risk of passing on their pension to the wrong person. It isn’t nice to think about planning for our eventual passing, but it is therefore important. When you eventually pass on, what happens to your wealth – and in particular, your pension? Does it go to your […]
Posted in Pensions
Five Crucial Investment Mistakes to Avoid
Winning and losing is part and parcel of investing. Nobody can win every time, and nobody can make perfect investment decisions consistently. However, there are many mistakes that can and should be avoided – simply through being aware of them. In this article, our financial advisers at Cedar House have compiled five of some of […]
Posted in Investments
Brexit & Property Prices: What Will Happen?
Are you think of buying a property, but not sure whether to wait in case Brexit produces a drop in house prices? Alternatively, perhaps you were thinking about selling later in the year, but do not whether to bring the sale forward (before the UK leaves the EU)? The question of the effect of Brexit […]
Posted in Financial Planning
Important Announcement About “Paperless Pensions…”
Due to recent changes in legislation (Mifid II Directive), providers for Personal Pensions & ISAs will be reporting to their clients on a quarterly basis. Providers are encouraging clients to enable ‘paperless’ communications via an online portal. We would advise you register for online access to view plan valuations, policy information and review provider correspondence. […]
Posted in Blog
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 […]
Posted in Financial Planning
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 […]
Posted in Financial Planning
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 […]
Posted in Financial Planning
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 […]
Posted in Financial Planning