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Auto Enrolment – what it means for employers

Call it what you will – ‘crisis’ and ‘time bomb’ are two of the most widely used phrases – the fact that a major problem with pensions is looming has long been acknowledged in the UK. The simple…

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Buy-to-let – an attractive investment opportunity again?

Low interest rates, stock market uncertainty, lower house prices, rising rents and improving mortgage deals are all contributing to buy-to-let once more looking an attractive investment opportunity for anyone with enough money to buy outright or pay a…

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July market commentary

Following the wholesale falls in May, the last thing stock markets needed on 1st June was weak US jobs data. Unfortunately, that was precisely what arrived and markets around the world fell even further. However, all the major markets –…

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The morality of avoiding or evading taxation

What a window of opportunity for the British taxpayer and ‘non-taxpayer’ to reflect on their perceptions of the morality of people in the UK who avoid or evade paying tax! A widely-held traditional British view of tax evasion and tax…

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June market commentary

There’s an old stock market adage which says “Sell in May and go away.” This year, “Sell before May and go as far away as possible” might have been more appropriate, as world stock markets tumbled throughout the…

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What the uncertainty in Europe means for your financial planning

On 17th June, the Greek people return to the polls, following the uncertainty caused by the lack of a definite result in the May elections. What will happen in June? No-one knows. Much has been made…

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“How much life cover do I need?”

With the recession showing no sign of abating and economic prospects about as gloomy as they’ve ever been – to say nothing of the chaos in Europe – we’re all worrying about money and, in particular, how we can save…

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Retiring on less than the minimum wage?

According to the recent (May 2012) Liverpool Victoria (LV=) State of Retirement Report, now in its fifth year, 6.25 million Britons aged over 50 (28%) have no pension plan in place and look set to rely on just the state…

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May Market Commentary

Wednesday April 25th must have been the morning David Cameron felt like phoning in sick, he’s probably had a few since! The Office of National Statistics officially confirmed that a shock 0.2% contraction in growth had pushed the…

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Can you survive an unexpected loss of income?

One in three (33%) of us are spending more than our salary or are just about managing to break even each month, according to Bright Grey’s Financial Safety Net report, from a study carried out by Opinium Research. …

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Is it worth having a pension?

It seems impossible to open a newspaper at the moment without reading yet another headline attacking pensions. ‘Interest rates keep annuities low.’ ‘Pension companies still overcharging.’ ‘Stock market falls wipe billions off…

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Living longer, working longer?

State pension changes are not the only way to combat the financial problems associated with increasing longevity. Recent legislative changes also include the removal of the default retirement age of 65. In theory, this means people can continue…

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