A UK Personal Finance Blog – The result of direct exposure to the fallout of the financial crisis.

Getting My Head Around RDR

Find in General November 18th, 2010 - 7,481 views

I’m trying to find a succinct and comprehensive explanation of RDR and what it means for consumers but so far I’m struggling so I’m going to try and piece something together from what I can find which, is mostly how it will affect advisers. Interesting that a change to the investment market that is intended […]

I Forgot to Mention

Find in General November 17th, 2010 - 5,458 views

On the 22nd of October I passed the Investments & Risk module of the IFS Certificate in Financial Advice (CeFA). This is the IFS qualification that is needed to be recognised as an IFA and until 2012 the 4 modules are: UK financial services industry, regulation and ethics investments and risk protection retirement planning After 2012 the Diploma in Financial Advice (DipFA) […]

Boosting your savings: a simple guide to ISAs

Find in Banking & Saving November 15th, 2010 - 6,458 views

UK based savers searching for the best savings rates for their money should first make sure that they’re taking advantage of their ISA (Individual Savings Account) allowance. While interest earned from money in an instant access savings account is taxable, cash ISAs offer the opportunity for tax-free savings – up to a point. The current […]

I’ll be 78 When Oil Runs Out

Find in Household Bills & Expenses November 11th, 2010 - 8,444 views

I’ve just been introduced to http://www.worldometers.info/  “a really interesting website with live world statistics on population, government and economics, society and media, environment, food, water, energy and health. Interesting statistics with world population clock, forest loss this year, carbon dioxide co2 emission, world hunger data, energy consumed, and a lot more”. According to Worldometers, oil only has […]

Bye Sky Bye

Find in Household Bills & Expenses November 3rd, 2010 - 7,052 views

Leaving Sky and switching to BT. Thank you Sky for once again automatically upgrading my broadband to a service that costs £7.50 per month more just because you seem to think I’d gone over my paltry usage allowance for the second time in 6 months. And then to be told I have to stay on that package for […]

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