The pandemic has highlighted the impact the unexpected can have on finances and lifestyle for millions of people. The uncertainty of the last year is spurring more people to consider financial protection products. However, simply taking out a protection policy may not provide you with the right type or level of cover. It’s crucial you consider your priorities and situation.

Some 8.3 million (48%) of 25- to 44-year-olds that don’t have an income protection policy are now interested in learning more, according to an LV= survey. After a year w...


As the deadline for opening a Help to Buy ISA drew near, aspiring homeowners rushed to open one. Yet, thousands of accounts have nothing in them, and you could be missing out on valuable government bonuses. For savers that don’t have a Help to Buy ISA, a Lifetime ISA (LISA) is still an option that could boost your deposit.

The challenge of saving a deposit: Average first-time buyer has a deposit of £58,986

Saving a deposit is one of the first challenges would-be homeowners face. As rent and property prices have increased, many young worker...


World Environment Day: Why restoring ecosystems is important

Posted by siteadmin on Monday 24th of May 2021

Since 1974, World Environment Day has been celebrated annually on 5 June. It aims to engage governments, businesses, and people to address pressing environmental issues. This year, the theme is “ecosystems”.

An ecosystem is a community or group of live organisms that live in and interact with each other in a specific environment. From frozen tundra to diverse forests, ecosystems are important, but modern lives mean these environments are being degraded. According to the United Nations (UN):

  • Every three seconds the world loses enough fore...

Why you need to review your will if you’re gifting to loved ones now

Posted by siteadmin on Monday 24th of May 2021

Are you thinking about gifting during your lifetime? Traditionally, you’d pass on wealth to family and friends through an inheritance, but many people are finding that doesn’t fit in with their plans. Instead, they’re passing on some assets now, but they do need to think about how it will affect the legacy they leave behind.

There are many reasons why you may be thinking about gifting during your lifetime. The act may allow you to see the joy or security your gift can bring, or use gifting to reduce a potential Inheritance Tax bill. However...


Across the UK, private property is worth more than £6 trillion, according to an Equity Release Council (ERC) report. Property prices have soared in the last decade, but homes often don’t play a role in later-life planning as the wealth is locked away. Equity release is one option more retirees are considering.

In 2020, homeowners accessed more than £3.89 billion of property wealth through equity release. It can be a useful way to fund plans in your later years. However, there are drawbacks and it’s essential you understand the pros and cons...


Carers Week: The financial impact of caring for a loved one

Posted by siteadmin on Monday 24th of May 2021

Across the UK, 6.5 million people provide informal care for a family member or friend. This care is hugely important for ensuring vulnerable people receive the support they need. However, delivering care presents challenges for carers too – mentally, physically, and financially. Recent research highlights the financial toll of caring for someone.

The 7 June marks the start of Carers Week. This annual campaign raises awareness of the challenges that unpaid carers face, as well as recognising the contributions they make to families and commun...


How inflation can reduce your pension and what you can do about it

Posted by siteadmin on Monday 24th of May 2021

When you think of risks to your retirement, do you include inflation? It can have a huge impact on your income throughout retirement. Yet, it’s often overlooked when creating a retirement plan.

Inflation refers to the rising cost of living. Day-to-day, it’s not something that you notice. However, over a longer timeframe, such as your retirement, the price of goods and services creeping up has an impact. It can mean your income and assets don’t go as far.

Over the last year, the pandemic has meant inflation has been relatively low. In Febru...


Is the work-from-home revolution a good thing?

Posted by siteadmin on Thursday 4th of February 2021

Saturday 20 March is the International Day of Happiness.

After the challenges of 2020, we could all use something to make us feel a little more cheerful. Yet, despite doom and gloom dominating the headlines, there are reasons to be optimistic about this year and the future. Here are just five reasons to smile.

1. The vaccine programme is rolling out

It might not seem like it now in a third national lockdown, but there is light at the end of the tunnel and it’s getting nearer.

Almost a year since the first lockdown began, the situation ha...


As we continue to be in lockdown, you may find that you have far more time on your hands. It makes it the perfect time to look at how you can improve skills, whether you want to get ahead in your career or simply learn something new.

While traditional classes are not possible at the moment, there’s a whole range of free online courses available to start now. Some even come with a certification that can give your CV a boost in a competitive job market. With the freedom to learn at your own pace and pick something that you’re interested in, o...


International Day of Happiness: 5 reasons to be optimistic

Posted by siteadmin on Thursday 4th of February 2021

Saturday 20 March is the International Day of Happiness.

After the challenges of 2020, we could all use something to make us feel a little more cheerful. Yet, despite doom and gloom dominating the headlines, there are reasons to be optimistic about this year and the future. Here are just five reasons to smile.

1. The vaccine programme is rolling out

It might not seem like it now in a third national lockdown, but there is light at the end of the tunnel and it’s getting nearer.

Almost a year since the first lockdown began, the situation ha...


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