I heard a fund manager say recently that when it comes to financial markets the only risks worth worrying over are the ones we don’t yet know about! Therefore, it is a plus that at least we are well aware...

The late Vivian Nicholson became famous when she told the media that she would “spend, spend, spend” after her husband won £152,319 (equivalent to more than £3 million today) on the football pools in 1961. And she did exactly that until the fortune dwindled...

Inflation, the bogey of central banks, savers and shoppers alike, is rearing its ugly head once more. Consumer Prices Index inflation, though down slightly in September to 3.1 per cent from 3.2 per cent in August, is predicted heading for...

It pays to be married … and just over half the UK population are. Of course, there are many emotional and practical issues to take into account first, but, from a purely financial consideration, saying ‘I do’ is a no...

Is there a lost pension with your name on it? Because 31 October is National Pension Tracing Day … so it’s time to find out. Cast your mind back 10, 20 or even 30 years. Where were you working? Can...

Income protection has largely been the Cinderella of the insurance sector. According to the Financial Conduct Authority Financial Lives 2020 report, just six per cent of all UK adults hold IP. There is a variety of reasons for this: In...

Financial fraud and online crime is thought to cost the UK £2 million every day. The Metropolitan Police’s Little Book of Big Scams, now into its fifth edition, is therefore a must-read. It explains the multiple deceptions out there and...

Workplace pension auto-enrolment has been a success despite many doubters at the time of its launch in 2012. Nevertheless, there are now signs that participation may have stalled while the clamour is rising from those who say the level set...

The Government has floated the idea of putting one per cent on National Insurance (NI) in a bid to tackle the social care crisis. It has thrown the spotlight on NI, often described as the ‘forgotten tax’ because few people...