Category Archive for "Uncategorized"

Glass globe with North America and business papers

The importance of thinking global about asset allocation

Before the internet went mainstream, it could be extremely difficult for smaller-scale investors to access international markets at all, especially ones at the greatest distance from their country of domicile.  There were numerous practical barriers in the way, such as…

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Family Celebrating Moving Into New Home With Pizza

How to be the (practically) perfect mortgage candidate

When it comes to getting a loan of any description, the key to success is to convince the lender that the risk of lending you their cash is justified by the reward they can reasonably expect to receive in the…

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Business Charts and Graphs on screen with INTEREST RATES Title

Understanding Interest Rates

Interest rates can genuinely be very interesting and it can certainly pay to understand what they are and how they work.  With that in mind, here is a brief guide to what interest rates mean in practice. Interest rates are…

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Painter standing with van smiling

When you’re self-employed you need to protect yourself

You might be tempted to think of self-employment as being your own boss.  That’s true, but you are also your own HR department and finance department as well.  Those in formal employment may have access to in-work benefits in the…

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The insurance agent protection

Business security is about more than just alarm systems

When you think about security for businesses what springs to mind?  Do you think about physical security, cyber security or financial security?  The truth is that all three are component parts of one whole, which means that missing out on…

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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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Understanding Credit Rating & Why It’s Important

Fundamentally, your credit rating is simply a reflection of how well you manage your money.  While the term “credit score” does infer debt repayments, these days, your credit score can be a broader reflection of how you manage your money…

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New Financial Year

The 2018/19 tax year starts at the stroke of midnight between the 5th and 6th of April.  While many individuals leave tax planning to the end of the tax year, you can look to maximise the benefits by using your personal tax…

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business goal concept with word and game pawn

Achieving Your Financial Goals

Money only has any meaningful value, when it’s used to help you achieve your goals. When you’re thinking of how to allocate your disposable income, here are five outcomes you may wish to keep in mind. Looking after yourself and…

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Young couple meeting with their investment broker discussing a document with her during the presentation, view over the agents shoulder

Decision Time

Arguably the most significant difference between childhood and adulthood is that as adults, the default assumption in most cases is that we have the ability and the authority to take our own decisions about how we want to live our…

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