Ethical investing has crossed over into the mainstream, as more investors choose to allocate their money toward companies whose practices and values align with their personal beliefs. These beliefs can be environmental, social, political or religious, for example. Investors may wish to exclude certain industries or allocate their funds to sectors which match their ethical…
Read MoreA recent survey has shown that as few as 27% of people are confident that they have the right levels of protection cover in place9. The types of insurance required as you journey through the various stages of your life change and this can make it difficult to understand. It seems that our perception of…
Read MoreSince Victorian times, building societies have played a key part in the provision of housing for the people of Britain. Societies have enabled millions to buy a home that could have taken a lifetime to save for, also paying interest to those who entrust their savings to them. At the heart of the building society…
Read MoreHave you got the protection policies that you need? It pays to begin thinking about insurance cover once you take on financial responsibilities such as buying a house, or starting a family. If you weren’t able to work and earn money due to illness or injury, how long would you and your family be able…
Read MoreMortgage overpayments can help you pay off your mortgage sooner and can significantly reduce the amount of interest you pay over the course of your loan. The amount you overpay goes towards repaying the mortgage itself, not on any interest you owe. Research from Santander1 shows that if a borrower took out a £200,000 mortgage…
Read MoreRetirement can seem decades away in your forties, but it generally starts to seem an awful lot closer once you reach your half-century. Although pension planning should ideally begin the day you start work, more often than not, it starts in earnest when people enter their fifties. By this stage they have often reached peak…
Read MoreBE AWARE OF PENSION SCAMS! You may have seen the TV advert addressing pension scams. The figures make stark reading, with the average amount lost being £91,0001. The government had planned to introduce a ban on cold-calling, one of the most frequent ways in which scammers contact their victims, but this is now unlikely…
Read MoreA FAIR PRICE? If you’re thinking of selling your property this autumn, then it’s vital to get your house in tip-top condition and make sure you offer it for sale at the right price. With more properties now coming to the market, buyers have more choice. This means that homeowners need to put in…
Read MoreBUY-TO-LET – WHAT DOES THE FUTURE HOLD? Being a buy-to-let landlord is much tougher than it once was. Many landlords entered the market a few years ago, attracted by the low interest rates they were charged for borrowing money, and the tax relief that was available to them on their mortgage interest payments. However,…
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