Male Close-up electronic payment hand cell phone

Is contactless making it too easy?

The concept of a cashless society may sound good in theory.  It’s questionable whether it will ever work in practice.  It is, however, indisputable, that cash isn’t king anymore.  Plastic, in its various forms, has long since taken over.  There…

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How does a Divorce affect your Mortgage?

In a divorce situation, both assets and liabilities have to be split fairly between the two parties.  For most people, the family home will be an asset which has a liability attached to it.  In other words, the family home…

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What’s your digital information worth?

These days, for practical purposes, you are the sum of your data.  Everything you do online creates a data trail which doesn’t just point back to you, it comes to form a part of your identity, hence the term “digital…

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Portrait of an extended family with their pet dog sitting at the park

If you’re a parent you should have a Will

Wills are essentially about stating what you want to happen with your property in the event of your death.  You may never have thought of your children as your property, but you do need to think about what will happen…

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Sad and scared female Young woman with computer laptop suffering cyberbullying and harassment being online abused by stalker or gossip feeling desperate and humiliated in cyber bullying concept.

Are we taking care of the vulnerable?

Who is vulnerable?  At an individual level, we might all come up with different answers to that question (although there might be a lot of overlap between them).  The Financial Conduct Authority (FCA), however, has a very specific definition of…

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Portrait of an extended family with their pet dog sitting at the park

You can’t put a price on peace of mind, but you can buy insurance

Everyday frustrations and challenges are a part of life.  Maybe it’s a commute where you never get a seat no matter how tired you are, an annoying colleague or a day just not working out how it was supposed to. …

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How relevant life policies help to deal with death and taxes

Death is inevitable, taxes can often be managed to some extent.  Using relevant life policies instead of life insurance can be an astute way to help those who are left behind after a bereavement without incurring a hefty tax burden….

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Brainstorming process. Photo young business crew working with new startup project.Notebook on wood table. Idea presentation, analyze marketing plans.

Protecting your company from 21st-century threats

There is really nothing new about the concept of companies needing to protect themselves against the threat of being targeted by malicious actors.  It is, however, fair to say, that the nature of these threats changes over the course of…

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Is it time to say goodbye to annuities?

Times change but sometimes it can take a while for established systems to catch up with this fact. For example, it took until 2015 for the law to recognise that using a pension pot to buy an annuity was not…

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Could a death in your company kill your business?

People are a company’s most important asset.  It may be one of the greatest cliches in the business world, but it is also true.  The main reason for this is that people can’t simply be replaced the way many business…

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