Thousands of investors have been sucked into putting their money into unsuitable mini-bond products following extensive advertising, particularly on social media. The Financial Conduct Authority (FCA) has now clamped down on the marketing of such products following a scandal. But many are likely to lose their money. What is a mini-bond? A mini-bond is effectively […]
Sleep. It’s something we all do and it has a huge effect on our daily life. We’ve all had a bad night’s sleep and woken up feeling unmotivated for what’s ahead. But how does sleep benefit you? We spend around a third of our lives asleep; it’s an essential part of our routine. We’ve all […]
Research has highlighted how being cautious with pension investment can be as damaging as taking too much risk. In some cases, a cautious approach is appropriate. But, in others, it’ll be the result of subconscious financial bias affecting the decisions we make. Research from Cass Business School found women are more risk-averse than men. It’s […]
November marks Talk Money week, an initiative that aims to encourage more people to talk about their finances. In the UK, personal finances can be something of a taboo subject. It’s not something we widely discuss. But whether it’s chatting with your partner or your financial planner, there are a lot of reasons why we […]
Figures show a huge surge in the number of people making voluntary National Insurance contributions to top up their State Pension record. It could help you increase your retirement income but there are some things to be aware of before you proceed. The State Pension often provides a foundation to build your retirement income on. […]
Thousands of retirees access their pension every year. However, it can still involve making many challenging decisions. How should you access your savings? What is a sustainable annual income? What can you do to minimise tax? Understanding the pitfalls to avoid when you first access your pension can help you build a retirement income that […]
A bucket list should be personal, fun and help you accomplish the things you want in life. We often talk about things that are on bucket lists, whether it’s travelling to a new destination or trying your hand at something different, but have you ever written down your ideas? Putting together a bucket list can […]
Figures suggest retirees are shunning downsizing. Moving to a cheaper home used to be a common way to unlock wealth tied up in property to fund retirement. However, a new trend means that over 55s are more likely to plan to remain in their current home. According to research from Nationwide: Only a third (36%) […]
Banks scams are on the rise and becoming more sophisticated. Every year, thousands of people are duped into authorising payments to fraudsters that they may not be able to receive compensation for. Understanding how criminals operate could help protect your money. According to figures from Finance UK, more than £616 million was stolen by criminals […]
Credit scores are a critical part of your financial wellbeing, particularly when you’re seeking to borrow money. However, whether you’re hoping to be approved for a mortgage or simply want to check your score, there’s a lot of myths floating around. First, what is a credit score? A credit score is a tool that potential […]
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