Long term investment opportunities and trends in how businesses and individuals are likely to behave in the future have been brought into stark focus by the Covid crisis. And it is all centred around disruption which, far from being a...
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Insuring the boss’s life can mitigate disaster – Birmingham Post article 06.08.2020
Insurance could be key to protecting the key person in your business. And with coronavirus striking down so many across the UK, business owners and top management are equally vulnerable. Indeed, the pandemic has given a severe jolt to those...
Landlords finding the key to new tax lockdown – Birmingham Post article 30.07.2020
After a long phasing in process completed in April tough tax changes are challenging landlords. Despite angry protests the Government were utterly unmoved and now the full impact is upon the sector. But landlords are adapting. The changes came into...
Putting your trust in trusts can benefit future generations – Birmingham Post article 16.07.2020
The coronavirus pandemic has hit the elderly hard but has resulted in one unexpected consequence – it has concentrated the minds of parents and grandparents on how best to cascade money down the generations. For, with the national debt soaring,...
Investors losing out as ISA rates plummet – Birmingham Post article 09.07.2020
Average savings rates for ISAs are on the floor. Data provider Moneyfacts found the average easy access ISA rate at the start of June had tumbled to a low of 0.45 per cent from 0.85 per cent in January. So, £1,000 invested...
Whatever happened to saving for a rainy day? – Birmingham Post article 25.06.2020
Coronavirus has caught out a lot of people with their finances in disarray – from the nation as a whole to the shocking numbers who have no short term savings to cope with losing their jobs. Britain’s national debt is...
West Midlands pension savers cut back as relationship bust-ups bite – Birmingham Post article – 18.06.2020
Covid-19 has put the retirement plans of 3.1 million in doubt, according to a Scottish Widows survey. And the West Midlands is the worst affected region in the country with 17 per cent of savers feeling the need to reduce...
The right time for Socially Responsible Investing? – Birmingham Post article 27.05.2020
Socially Responsible Investing (SRI) has certainly gained a lot of attention over the last 18 months. Concerns over climate change, the high profile of Greta Thunberg, and even Covid 19 have focussed the thoughts of investment managers, advisers and investors...
Relevant Life Plans are an insurance against crises of many kinds – Birmingham Post article 21.05.2020
Covid 19 is not discriminatory – it is capable of taking out anyone. And that can mean money troubles for the family left behind. So at times like these a Relevant Life Plan (RLP) couldn’t be … well, more relevant....
Back to ‘normality’ for mortgage lenders – Birmingham Post article 07.05.2020
The mortgage market is beginning to adjust to the coronavirus crisis. Big lenders are reopening their doors to borrowers, making it easier to get a home loan. And, while house sales are down, the prospects are much better than during...