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All Over for Peer-To-Peer Lending?
Zopa’s decision to quit its peer-to-peer (P2P) lending business to focus on banking last month prompted headlines asking whether this...
Jan 15, 2022


Retirement Cashflow Crisis!
Almost half of UK retirees fear they will eventually run out of money, with many relying on receiving an inheritance or downsizing their...
Jan 13, 2022


Guidance on CGT Property Returns
HMRC has published guidance in the capital gains tax (CGT) manual for individuals, trustees, personal representatives, and agents who use...
Jan 12, 2022


Wills Execution with Remote Witnessing
The temporary relaxation on how Wills need to be witnessed ends on 31 January, unless extended by the Government. Research shows that the...
Jan 10, 2022


Pension Carry Forward
Pension annual allowance (AA) is the annual limit on the amount of contributions paid to, or benefits accrued in, a pension scheme before...
Jan 6, 2022


Why the Capital Cycle Matter so Much!
The last few weeks have been volatile, they say, but economies are still growing nicely. Household savings are high, unemployment is low...
Dec 21, 2021


UK House Prices Hit Record in November
U.K. house prices hit a record in November, with values over the past three months rising at their fastest pace for 15 years, according...
Dec 17, 2021


The Bank of the Future?
The world of banking is changing faster than ever. Faced with technology developments (e.g. Bitcoin and NFTs), and evolving customer...
Dec 14, 2021


Inflation Expected to Exceed 5% by Spring!
The Bank of England’s monetary policy chief has said inflation is likely to soar “comfortably” above 5% next spring when the energy...
Dec 10, 2021


Housing Supply Chain Crisis!
The supply chain crisis is seeping into almost every corner of life in the UK, with prospective homeowners likely to be affected by...
Dec 7, 2021


NS&I Interest Rate Rise
NS&I last week announced an increase to the interest rate on its Income Bonds, with the rise coming into effect on the same day....
Dec 3, 2021


Introducing From X To Z
From X To Z aims to provide practical financial planning solutions for every generation. I began life in financial services over 20 years...
Dec 1, 2021


How to Beat Inflation
For the past decade there has been a simple answer to how to reliably beat inflation: put your money in an equity income investment. They...
Nov 30, 2021


Further Pressure on The Bank of England To Raise Interest Rates
The Bank of England is under mounting pressure to increase interest rates next month after inflation rose to the highest level in a...
Nov 26, 2021


Equity Release Surges in Popularity
Equity release is fast becoming the go to solution for a myriad of financial problems, from reducing IHT to simply paying off existing...
Nov 24, 2021


Crypto Challenge for Financial Advisors
A WisdomTree survey found that 72% of UK advisors have had a conversation with their clients about investing in digital assets. I have at...
Nov 21, 2021


What To Do With Your Junior ISA
This week marks the 10 year anniversary of the Junior ISA, which may lead some parents to reflect on whether the tax free savings account...
Nov 19, 2021


How To Cut Your IHT Bill
Inheritance Tax (IHT) is a tax on the property, money and possessions of someone who’s died and, after the Chancellor froze the threshold...
Nov 17, 2021


How To Calculate Your 'Personal Inflation Rate'
If you read the headlines, you've probably seen a lot of people fret that inflation is a big problem for the UK economy right now. But...
Nov 15, 2021


A Threat To Recovery
Findings of recent surveys show that consumer sentiment has dipped in recent weeks after the outbreak of euphoria when lockdowns were...
Nov 9, 2021
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