Cheerful senior couple enjoying peaceful nature

Ensuring a comfortable retirement for yourself

Some quiz shows allow contestants to “stop the clock” but in real life, time marches onwards relentlessly and therefore preparing for our later years should be high on the average person’s agenda.  Even if, at the present time, you do…

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Young businessman flying high in sky on umbrella

Choose to be protected

While the UK does have systems in place for protecting those in need, those systems are not necessarily as effective as some people might wish.  Those in paid employment may have an enhanced level of protection via employee benefits, but…

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Clay people family protected by woman hands

It Can Happen To You

Insurance, rather like the NHS, is something you pay for so that it’s there if you need it, even though you probably sincerely hope that you don’t.  Nevertheless, every year, indeed, every day, people use the NHS for things they…

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Couple Unpacking Moving In Boxes From Removal Truck

Insurance for home movers

Moving home may be something which gets easier with practice, for example, if you’re in the military and have to change homes a lot.  It is, however, probably not something many people would class as a whole bundle of fun…

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House Model With Gavel On Blackboard

Understanding Property Auctions

You can buy just about anything on eBay, including a house.  Perhaps in the future, eBay will become a core marketplace for real estate in the same way as it has essentially become a core marketplace for pretty much everything…

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Businessman pressing high tech type of modern buttons on a virtual background

Thinking global, acting local

As you go about your daily life, heading to work, to the shops, to your leisure activities, walking the dog, some parts of the world may seem very remote to you.  In fact, regardless of where you live, somewhere in…

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Senior Woman Giving Credit Card Details On The Phone

Don’t Fall For Pension Scams

It is harsh but probably true to say that where there is a person who has money, there is very likely to be someone out there who wants to part them from it.  When an older person has the sort…

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Businesswoman drawing a mortgage illustration. Isolated on white

Mortgages, should you fix or float?

Last year, the Bank of England’s decision to raise interest rates took the Monetary Policy Committee out of the financial pages and into the mainstream headlines.  Given that the raise took interest rates from 0.25% to 0.5%, it was hardly…

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Modern, red brick houses viewed from above.

The ins and outs of leasehold property

You only actually own a property outright if you buy it on a freehold basis (or buy a share of the freehold), in which case your money pays for the property and the ground on which it stands (and sometimes…

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Dealing with deposits

The mortgage landscape has certainly changed a lot since the days before the 2008 financial crisis.  Now the key word for both residential buyers and landlords is “affordability” and although the concept of affordability is defined in different ways depending…

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