Date:12 December 2018 I Comments: 0 I Views:790
The desire for ethical investing is gathering momentum but what is it and can it really make a difference? There are many different terms used to describe ethical investing including SRI, ESG & Impact Investing but what do they really mean and which one would you prefer? Essentially, each term is a different method for 'screening' companies and indexes to only include those that meet certain 'ethical' criteria. SRI stands for Socially Responsible Investing and in short is a screening process that seeks to exclude certain undesirable businesses or sectors such as weapons manufacturing, pornography, gambling, tobacco, nuclear power etc......read more >

Date:18 July 2017 I Comments: 2 I Views:4,527
Own a business? Pay your spouse? Good idea for tax purposes (and ideally they should actually be doing something for the income too!). But, does it cause problems and disadvantage you in other areas? Take getting a mortgage as an example. If you pay your spouse £11,500 (tax allowance) and for some funny reason you don't want them on your mortgage (maybe they have other credit commitments or some other valid reason why you wouldn't want them to part own the property) then you could be reducing your borrowing potential by as much as £11,500 x 5 = £57,500. Quite.....read more >

Date:12 November 2015 I Comments: 1 I Views:23,210

Well how about this! First post in over 2 years. Is anybody there? Is anybody reading this? Regardless of dwindling readership I think it’s a good time to start writing again. There’s no guarantee this will become regular again or if there will even be another post after this one. Who knows what tomorrow will bring! I might decide to become a YouTuber or start tweeting! For now, a bit of an update. I’ve self studied and passed all the required exams to become a Level 4 qualified financial adviser and now provide independent financial advice. I chose the CII

.....read more >

Date:25 February 2013 I Comments: 1 I Views:29,758

So you’ve hit the Big 50 which immediately makes you eligible to consider an over 50’s plan. Great! Insurance without the hassle of lengthy forms and no prying medical questions! Nice and simple. But possibly expensive and with less cover available than other options. The two options being looked at here are: Over 50 plans The idea of an over 50 plan is to provide life cover until you die, whenever that may be. It is not medically underwritten so acceptance is usually guaranteed. Key points to be aware of: Cover is usually restricted to a pre-set maximum amount (usually 10’s

.....read more >

Date:25 February 2013 I Comments: 0 I Views:16,476

When it comes to choosing a life insurance plan to protect your family it’s tempting to primarily look for a low-cost option. After all, this is a premium that you’re likely to be paying for many years and possibly the rest of your life so you don’t want to tie yourself in to something overpriced. However, sometimes low-cost premiums can be misleading, and if you’re not confident in what you’re looking for, you could end up out of pocket. Here are a few of the other factors you should consider before you take out a policy. Inflation Inflation is a

.....read more >

Date:20 February 2013 I Comments: 1 I Views:20,028

I’m not just talking about using a mortgage calculator to work out what the monthly payments will be but how to make use of a calculator that shows the ‘amortization’ or monthly & yearly breakdown of payments and balance as well as the difference an overpayment could make. Anybody who has any exposure to mortgages will know there are several options available which include fixed rate deals, trackers or lender’s ‘standard variable rates’. Fixed deals last for a set number of years and for those set years the interest rate stays the same. Tracker deals may offer an interest rate that

.....read more >

Date:6 December 2012 I Comments: 1 I Views:14,931

After several years skirting around the field of financial services I finally decided to obtain the necessary qualifications to provide mortgage advice, in 2007. Yep, I became a qualified mortgage adviser about 6 months before the industry collapsed. It was a fun time. Like many advisers, when the mortgage enquiries started to dry up, I started looking more closely at protection products like life insurance, income protection etc. and for the last few years that’s where I have been focusing my efforts (I even have some testimonials from happy customers!). At one time I toyed with the idea of taking

.....read more >

Date:30 November 2012 I Comments: 1 I Views:15,872

Below is an article I have been sent by a business owner in Argentina whose business is an expanding start-up. I’ve not changed any part of it so it has an authentic Latin American flow and it contains some universal lessons that any new business owner should be aware of. How to Start and Grow Your Business in Latin America We are the biggest Price Comparison Site (Aggregator) in Latin America with more than 4.000.000 unique users and 20 employees in Argentina, Brazil, Colombia and México. But this is not about who we are or what we do, this is about how

.....read more >

Date:20 November 2012 I Comments: 0 I Views:14,177

In these times of austerity, cut-backs and rising costs the amount of disposable income is less for many people. The slow economy is putting a strain on businesses as well as consumers and the paying of bills is prioritised by what is essential and who is making the most noise. This is the same for everybody and essentials such as the mortgage, food and electricity are clearly top priorities for homeowners and I found a helpful guide of ‘Priority Bills’ here: http://moneyaware.co.uk/2012/08/which-bills-should-i-pay-first/#more-3788 with a link to an ‘infographic’ (a picture with information) detailing the consequences of not paying these priority bills. Losing

.....read more >

Date:14 November 2012 I Comments: 1 I Views:15,142

Our tax pays for the public services that we all use, so most of us don’t see it as a problem that we have to pay it. However, a high tax bill can put a serious dent in one’s income and when it comes to tax refunds, not all of us know if we are entitled to one or what we’re entitled to. Let’s delve into some of the factors that can influence how much we pay and if we may be able to receive a refund. Your tax code An incorrect tax code is possibly the most common cause for

.....read more >