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4 savvy tips when Christmas shopping

Christmas seems to come round earlier and earlier each year. Retailers start tempting ‘early gifters’ as soon as the Back to School stock has disappeared. And competitive Christmas light displays begin appearing in some neighbourhoods from as early as November. While this may run the risk of detracting from the main event, some preparation is good. So we’ve drawn up a list of our four top tips to help reduce the financial stress of Christmas. Has your Christmas gift circle got too wide? Christmas is…
5th December 2019

How the gender gap even affects children’s pensions

We’re familiar with the gender gap in pensions for adults but there is evidence that this actually starts much earlier on. According to data from HMRC, parents and grandparents are more likely to save into a boy’s pension than a girl’s. A Freedom of Information request by Hargreaves Lansdown revealed that 13,000 girls aged 15 or under had money paid into a pension for them in 2016/17 compared with 20,000 boys. The disparity means the pension gap can actually start from birth onwards. This only…
5th December 2019

Back to 60 campaigners fight on

The campaigning group, Back to 60, has lost their fight at the High Court to seek redress for the inequality around the state pension age, which affects women who were born in the 1950s. The group was claiming that the increase in the state pension age was discriminatory and put women at a severe disadvantage compared with men. As women in that age bracket were only told of the change shortly before they reached their 60th birthday, there was little opportunity for them to make…
12th November 2019

The impact of climate change fears on ethical investing

As pressure mounts on governments and financial institutions to do more to combat climate change, the demand for ethical investment opportunities is on the rise. Triodos Bank’s annual impact investing survey has found that nearly half (45%) of investors say that they would be keen to move their money to an ethical fund as a result of news surrounding the environment. When asked, investors state that they would put an average of £3,744 into an impact investment fund, marking an increase of £1,000 when compared…
12th November 2019

The Help to Buy ISA deadline is looming

After 30th November 2019, potential first-time buyers will no longer be able to apply for a new Help to Buy ISA. Savers who already have an account will be able to keep saving into it until 30th November 2029, regardless of when the ISA was opened, but accounts will close to additional contributions after that date. What is the Help to Buy ISA?    The Help to Buy ISA was introduced to help first-time buyers over the age of 16. Individuals receive a bonus of 25%…
7th October 2019

Would more people actually like to retire a little later?

This may seem a surprising suggestion. Surely most people are eagerly looking forward to early retirement, not thinking about postponing it? More time to travel the world, spend on the golf course or help out with the grandchildren sounds an enticing prospect rather than more years at work. But times have changed significantly since the state old age pension was first introduced in 1909. In those days, it was paid to those aged 70 or more and people weren’t expected to live many years beyond…
7th October 2019

How to find the right investment for you

In the wake of the Woodford debacle, there’s a lot of buzz around investments and the rationale for choosing them. So we thought it would be useful to outline what you should be thinking about when it comes to choosing an investment to enable you to get the best outcomes for your money. Review your goals It sounds obvious, but taking the time to think about what you want from your investments is key to selecting the correct fund for you. Writing down your needs,…
6th September 2019

8 places to visit this Autumn in the UK

With autumn pushing the heat of summer south across the equator, it’s time to strap on your wellies and get ready to kick through piles of fiery leaves. So to celebrate the change of season, here’s our list of places you should visit to make the most of the stunning autumn colours. Isle of Lewis, Hebrides Autumn arrives early in the…
6th September 2019

6 UK dining experiences to feed your intrigue

Food is one of the greatest and most diverse pleasures that life has to offer – it can be simple, complex or anything in between. But a dining experience is another thing entirely. And there’s a whole range of different dining experiences available across the UK. Dine on the water  If the gentle lap of waves against the sides of a boat fits into your idyllic dining experience, you’re in luck. All over the country there are companies that offer river cruises where you can…
20th August 2019

How to stay safe online

As we venture further into this new digital age, the security of your personal data grows more and more important. That’s why, for this article, we’ve decided to delve into the world of online security. Below you’ll find a series of strategies that we recommend you employ to protect your presence online… Keep software up to date Make sure to keep installing software updates for your devices and programs. You can turn on automatic updates for many devices and applications for those of you with…
20th August 2019

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