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Is redundancy on the cards? now is the perfect time to take control of your finances

Is redundancy on the cards? now is the perfect time to take control of your finances

September 11, 2020

The furlough scheme is reaching its final chapter, and inevitably, that’s led to more redundancies hitting the headlines. If you haven’t been motivated before, now is the perfect time to get financially well organised. This is something everyone can do; even if you don’t know where to start when it comes to managing your money, with a few simple steps you can take control and be prepared.

Category: Coronavirus, Financial Planning

 
 
 
 
What’s causing the 2020 gold rush?

What’s causing the 2020 gold rush?

August 21, 2020

Gold isn’t just something we like to wear, it’s also a commodity that’s traded by investors. And it’s in big demand: in 2020 alone, the price of gold is up over 30%, following a gain of nearly 18% in 2019. Those are significant returns. But why? What is causing the rise in the price of gold? here are some factors that could be considered.

Category: Saving & Investing

 
 
S&P 500 at a record high – so should we party like it’s 1999?

S&P 500 at a record high – so should we party like it’s 1999?

August 20, 2020

Where were you at the turn of the millennium? When the dot-com bubble burst? Well on Tuesday 18 August, the S&P 500 crept up by 0.23%. It was enough to bring the reading on the index to just above the previous high that it had hit nearly six months previously, on 19 February. In between those two peaks there was a fall of 33.9% to 23 March followed by a rally of 51.5%. The obvious question is why? The USA economy today is much less healthy – in all senses – than it was in February.

Category: Financial News & Events, Saving & Investing

 
 
Stamp duty holiday isn’t a reason to overstretch

Stamp duty holiday isn’t a reason to overstretch

August 14, 2020

Rishi Sunak introduced the Stamp Duty holiday on property valued up to £500,000 until March 2021. He wants to encourage us to make our moves sooner rather than later and get the housing market and its associated services going. Should you take advantage? Before you throw everything into making the most of this stamp duty holiday, make sure you’re in the right position to do so. You need to consider the bigger picture carefully with your eyes wide open.

Category: Financial News & Events, Financial Planning

 
 
 
How to make money management child’s play

How to make money management child’s play

July 30, 2020

Learning how to manage our money is just like learning to walk: we need a guiding hand to hold and encourage us along the way. We don’t get a formal financial education at school, so teaching children about money starts at home. That can seem scary if you’re not good with money yourself, but it…

Category: Financial Planning, Goal Setting

 
 
Benefits in unkind? Check how much they’re costing you

Benefits in unkind? Check how much they’re costing you

July 29, 2020

Our tax system is notoriously complex. Take income tax for example: the headline numbers, as a general rule, are that the first £12,500 of our income is tax-free; the next £37,500 is taxed at 20%; and income over £50,000 is charged at 40%. There’s a higher rate of 45% for earnings over £150,000, and we…

Category: Financial Planning