Common financial pitfalls

6th Aug, 2018

When was the last time you reviewed your average spending or put some real thought into how much money you are putting aside? We all lead busy lives and many of us leave our finances on autopilot, including the use of direct debits and contactless payments. As a result you might experience the following financial […]

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Interest rates rise 0.25%

2nd Aug, 2018

The Bank of England’s Monetary Policy Committee has voted unanimously to hike interest rates from 0.5% to 0.75%, taking the Base Rate above 0.5% for the first time since March 2009. In this post I have answered some common questions about this change. Many mortgages and new retirement annuities will be affected by this change. […]

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Bank of England defers interest rate hike

10th May, 2018

At its May meeting, the Bank of England voted (7-2) to maintain it’s base interest rate at 0.5%. This was in spite of earlier indications it would raise rates by 0.25%. In this post I set out the reasons why the Bank of England has backtracked and the implications for financial markets. If you are […]

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Time is running out: tax year end

15th Mar, 2018

We now have less than 3 weeks until the end of the current tax year, so there is just enough time to make the most of your remaining allowances (if you hurry). In this post I have summarised some of the key allowances you can take advantage of. Please bear in mind that these options […]

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Interest rates remain at 0.5% – but are expected to rise sooner than expected

8th Feb, 2018

Today (8th February) the Bank of England’s Monetary Policy Committee (MPC) held its monthly interest rate setting meeting. The vote to hold the base rate at its current level of 0.5% was unanimous and was in line with analysts’ expectations. However in a surprise announcement the Governor of the Bank of England, Mark Carney, said […]

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The 2017 Autumn Budget

23rd Nov, 2017

Today (23rd November) the Chancellor of the Exchequer, Philip Hammond, announced his first Autumn Budget. If you are wondering why this is the second Budget of 2017, this is because Mr Hammond decided to do an Autumn Budget instead of a less formal Autumn Statement. In 2018 he will do a Spring Statement and an […]

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The risk of buying individual shares

2nd Aug, 2017

Many clients who come to see us for the first time own some shares. These shares might have been inherited, received when an old building society became a bank or bought through a company share save scheme. Some people also buy and sell shares on a regular basis because they like to dabble in the […]

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State pension age increased (again)

20th Jul, 2017

On 19th July the government announced the state pension age will rise from 67 to 68 sooner than expected, a move which will affect around 6 million people. In this post I explain who this change will affect and why this has happened.

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