Finance

Interest rates and inflation could see prices soaring

News & Views

May’s increase in inflation was largely down to clothing and footwear but many sectors haven’t yet passed on higher prices to consumers and things will feel very edgy over the coming months.

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Efficient saving, flexible ISA

Savings & Investments

Do you need the freedom to withdraw and then replace funds during the year without it counting toward your tax-free allowance – meet...

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Avoiding financial scams

News & Views

UK bank fraud hit a new record of over £479m exacerbated by lockdown and as Peter McGahan reveals the crooks have a finely tuned strategy...

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Inheritance Tax ISAs

Savings & Investments

Whilst it’s clearly one of the most tax efficient savings plans available, an ISA has one obvious flaw: Inheritance Tax.

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Social care planning: what you should know

Care and carers, News & Views

Understand your exposure to the cost of social care writes Sharon Bonfield ...

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Loss of income – what do you do?

News & Views

1 in 6 working families would receive little or no help if the main earner was unable to work due to sickness!!!...

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Investment bond or collectives

Savings & Investments

Spread your investments across different areas to balance out risk and give you greater flexibility to readjust in line with performance, writes Peter McGahan.

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Barclays Digital Eagles – Digital Wings

Finance

Barclays Digital Eagles help people make the most of the digital world, confidently and safely. Read all about their history and new...

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Dementia and unexpected financial risks

News & Views

Here we take a look at the challenges of helping someone manage their financial affairs and retain their independence....

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Where now for PruFunds with profits?

Savings & Investments

In this week’s column: Peter McGahan looks at the woes of PruFund and the with profits bond.

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UK value stocks’ rocketing value

News & Views

Peter McGahan explains what value stocks are and why they are so attractive when inflation rates rise....

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Guaranteed structured investments (not)

Savings & Investments

Peter McGahan explains why products marketed under the term 'guaranteed structured investment' are poorly understood and actually offer...

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Inflation: why it could surge after the pandemic

News & Views

We could be looking at an old-fashioned boom and bust phase of expansion and contraction within the next 18 months argues Ian Crowther, Senior Lecturer in Banking and Financial Markets at Sheffield Hallam University.

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Pension management – 80% per cent of over 50s clueless

Pensions

You could argue that your pension is not being properly managed if you have not had your risk assessed in the last 12 months. David...

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Sustainable societies, it’s happening

Savings & Investments

The attraction to sustainable investing for higher returns is growing as we slowly grasp that non-tax paying organisations who pay poorly...

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Greenwashing sustainable investments

Savings & Investments

Green washing is where companies tick a box to prove they meet Environment, Social and Governance standards – even though they are as ‘green’ as a thing that just isn’t.

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What is sustainable investing?

Savings & Investments

What is sustainable investing and why are neoliberals and corporations so against it? Peter McGahan explains why you should care. ...

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Is the old investment world gone?

News & Views

Is the old investment world gone? Peter McGahan explains why we can't expect all previous models to continue to work....

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Tax day soaky damp squid

Tax

Tax day delivered some pretty significant impacts to businesses and individuals who could find themselves having to pay two year’s tax in one year.

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Will interest rates rise and should I fix?

Finance

Most economists agree, especially post the budget, that inflation will rise. Peter McGahan considers the impact and whether now is the...

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Equity Release advice

Equity Release

There are important considerations to weigh before you commit to an equity release product. Peter McGahan explains why. ...

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Stamp licking budget

News & Views

Peter McGahan looks at how the 2021 Budget will affect you as a consumer, your mortgage and lifetime allowance for pensions.

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Gender inequality in retirement

Pensions

Gender inequality in retirement: what is it and what can women do about it? Sharon Bonfield has the answers. ...

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Dying with no Will: What ‘Finding Alice’ teaches us about estate planning

Finance, Tax

A new campaign encourages people to pledge that they will make a will this year and avoid the emotional toil of navigating intestacy law....

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How safe is equity release?

Equity Release

Second of a three-part examination of the pro and cons of equity release products. Written by Peter McGahan.

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Property investment

Property

Peter McGahan explains why property investment needs careful management to stand the best chance of positive returns. ...

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Is equity release a good idea?

Equity Release

Equity release is not a one size fits all solution to deliver additional retirement income or help for your grandchildren. Peter McGahan...

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Upsides of Bitcoin

Savings & Investments

Peter McGahan talks Bitcoin and how in spite of the narrative of people power behind Bitcoin, the reality is the top 2.8% of Bitcoin addresses own a staggering 95% of the supply of the coin.

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Trump – End of an Error, launch of ESG

News & Views

America is back. Diplomacy is back. Peter McGahan comments on the Biden administration's Environment, Social, Governance strategy and what...

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Get ahead of the ‘tax wonks’

Tax

Peter McGahan explains proposed changes to Capital Gains Tax and how a few careful decisions now could help you reduce your tax liability...

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Making money resolutions work

Money Saving Tips

2021 is shaping up to be a very challenging year. Here, Peter McGahan tells how to make your new year money resolutions work.

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Is the UK stock market about to turn?

News & Views

Peter McGahan considers whether post COVID and Brexit we'll see a surge in the economy or a more punishing downturn....

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Expect the best, prepare for the worst

Finance

The COVID lockdown has prompted many people to re-evaluate life insurance policies and how best to protect their family. Peter McGahan...

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Taking control of your money in lockdown

Finance

The lockdown has put a lot of people under financial stress, thankfully Peter McGahan has tips for taking back control of your money.

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Seven ISA strategies for tough times

Savings & Investments

With so much uncertainty in the markets you could be tempted into making rash decisions with your money, but as Sarah Cole explains there...

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ISAs and tax efficient investments – the easily lost 22.5%

News & Views

We should all be conscious about the tax efficiency but as Peter McGahan cautions; choose your investment vehicle wisely....

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The meteoric rise of mis-selling

Pensions

Pension mis-selling is the new PPI. Here, Glyn Taylor unpacks the reasons for the scandal, and looks at the three biggest factors at play.

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Drawdown plans top 1 million

News & Views

New data shows the number of drawdown pension plans and the number of those plans that are being transferred....

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Pension tax relief

Pensions

What now for government plans on spending with an untested Chancellor? Peter McGahan explains what it could mean for taxpayers. ...

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How will the Coronavirus impact Stock Markets?

News & Views

While healthcare markets will undoubtedly benefit from the Coronavirus, the outlook for other markets – if global powerhouse China continues to be blighted – is far from certain.

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Could renting suit your lifestyle in retirement

Property

Are you retiring this year? According to calculations by Legal and General* more than 500,000 people will reach retirement age this...

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Financial Resolutions for peace of mind

Money Saving Tips

It's better to be in control rather than reactionary, and simple financial resolutions can help buffer up your end of year balance, writes...

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25% or 1.49% Interest on your debt

Money Saving Tips

On the road to financial freedom, step one is to face the fear. Peter McGahan explains why confronting that fear and planning are essential steps to managing your future finances.

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Save on your bills and maintenance by downsizing and renting in 2020

Property

Boiler trouble, damp and water damage are just some of the maintenance headaches you could avoid by downsizing in retirement. Jamie...

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New Year’s debt resolutions 2020

Money Saving Tips

As 2020 dawns, Peter McGahan looks at the false psychology of trying to keep up with the Joneses and how retail therapy can lead to...

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Sterling bubbles & your post-election finances

News & Views

There is certainty on Parliament – a working majority gave a fillip to the pound, but as Brexit trade talks anything other than a really good deal will weigh heavy indeed on Sterling and that’s bad news for consumers, savers and investors alike.

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How much could your New Year’s resolutions save you in 2020?

Money Saving Tips

Christmas expense and the financial post-mortem will have many seeking ways to curb spending in the new year. Here, Sarah Coles looks at...

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The social factor of living in a retirement development

Property

Retirement communities can help beat social isolation among older people and also provide a renewed sense of belonging and self esteem for...

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Later life milestones: can you afford plan B?

News & Views

A report by the Office of National Statistics highlights some key life events facing older people that bring unexpected expense.

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Investment inequality: 33% Fall or 65% rise?

Savings & Investments

Unsurprisingly, perhaps, those with the least are the losers in a market that has seen the top one percent grow their wealth by 65 percent....

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More than 1/3 of over-55s living beyond their means

News & Views

A new report suggests more than a third (35%) of over-55s say their expenditure exceeds their income...

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The election and your money

Savings & Investments

With a General Election days away Peter McGahan highlights the potential outcomes and implications while cautioning against the impact of a hung Parliament on the UK stock market and Economy.

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Avoid stamp duty costs by downsizing and renting

Property

If you intend to downsize in 2020 and avoid paying stamp duty, renting could be an attractive option....

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£6.6bn in overcharging closet funds

Savings & Investments

Investors using some managed funds are estimated to be losing out to the tune of billions of pounds. Peter McGahan explains how....

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Exclusive active living for the over-55s

Property, Sponsored

In a much sought-after corner of Cheshire, an exclusive new residential development is redefining active living for the over-55s. Welcome to Sanctuary Wilmslow.

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Inheritance Tax on your pension

Pensions

There are many methods to mitigate Inheritance Tax, but a simple one is the use of your pension. Peter McGahan explains....

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Writing a will – your options

Finance

Everyone should have a will, and there are several ways of getting yours written. From solicitors to do-it-yourself wills, read what to...

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A cashless society

Finance

As countries move toward a cashless society, opportunities exist for smart investments. Peter McGahan explains.

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How would negative interest rates impact me?

Finance

Trade wars, economic slowdowns and lack of market confidence are paving the way for negative interest rate policy and it is those at the...

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Negative interest rates

News & Views

Peter McGahan looks at why some economies are hedging towards negative interest rate policies and what it could mean for savers and...

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Property investment fund opportunity?

Property

Property funds have been under the spotlight for some time but with continued Brexit uncertainty do opportunities bring value for money? Peter McGahan tells all.

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Your pension. 77% or 514%?

Pensions

In a world of never-ending 'austerity', making each pound stretch the best it can is everything. This week, Peter McGahan talks pensions....

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Does investment fund size lose you money?

Savings & Investments

Biggest is very rarely best and the size of a fund is no guarantee of positive performance for your investment. Peter McGahan highlights...

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Investment ‘best buy’ lists

News & Views

If you’re new to investing ‘best buy’ lists look at face value like a good start point but beware the opportunities that are promoted on price rather than performance.

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When tax Cuts cause a loss

Tax

Tax is hot on the lips everywhere, particularly with corporations and Brexit but what will the impact of rule changes mean to people saving...

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Assured tenancy vs assured shorthold tenancy – what’s the difference?

Property

Jamie Turnbull looks at issues facing people who want to downsize and rent on the open market. This month, he explains the difference...

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Trump’s Speedos economy

News & Views

Peter McGahan examines how President Trump’s Twitter spats come at economic cost for US consumers but also ripple far further afield.

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Chasing the most consistent returns

News & Views

If you are investing for retirement income, Peter McGahan says diversify your investment strategy to ensure consistent returns. ...

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Worst state pension in the world

Pensions

Many people have been apathetic at studying how well their pension is performing, trusting to luck that their retirement income will be...

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The health benefits of retiring by the sea

Property

Winter sun or fresh sea air? Both rank highly for Brits who are considering a move in their retirement. Here, Jamie Turnbull looks at the potential health benefits of retiring by the sea.

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When easy money investments are too good to be true

News & Views

Peter McGahan explains how investors are caught by headlines and marketing blurb, and none can be more so than that of Innovative Finance...

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Succession planning for businesses

News & Views

Identify what you would like to happen with your business assets in your own Will and protect staff and shares in the enterprise you have...

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Over 50s small business owners unprepared for loss of key staff

News & Views

Small business owners over 50 are their risking financial future by failing to protect themselves against loss of key staff. Peter McGahan explains the risks.

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49% saving on Life insurance costs

News & Views

Whether you're a director or an employee, many people are missing out on the easiest of tax breaks by not setting up their life cover...

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Release equity in your home to spend on family and retirement

Property

Unlocking capital from your home can help you get on with living and enjoying your retirement, writes Gillian Girling....

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Selling high and buying low or vice versa

News & Views

How to avoid the classic mistake investors make – buying at a high, when everyone is buying, and sell at a low when everyone else is selling.

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Holiday currency rip off prices

Money Saving Tips

When it comes to getting value on your holiday money. Don't stick to what you know. Peter McGahan highlights how you can sidestep the fees,...

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Moving back to the UK after living abroad

Property

Inflated property prices are a barrier to expats wanting to return the UK, but buying is not the best or only option explains Gillian...

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Double edged sword of Woodford criticism

News & Views

The collapse of embattled stock picker Neil Woodord’s fund empire, highlights the risk of putting all your eggs in one basket – no matter how attractive the returns. By Peter McGahan.

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BBC announces end of free TV licence for over 75s

News & Views

Three million households face losing right to free TV license in 2020 in "important and difficult decision"....

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Making money from volatility

News & Views

Volatility can be planned for and managed to produce the returns needed to create financial stability and security for your family, writes...

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Pension performance expectations

Pensions

Do you really understand the health of your pension fund? Peter McGahan questions who is best placed to help you make the most of your future retirement income.

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Moving house – top tips for a stress free move

Property

The stress of moving house is a path few a keen to tread too often. Here, Gillian Girling offers some useful tips to ensure your house move...

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“Only little people pay taxes”

Tax

Tax efficiency is not tax avoidance. Why getting IFA advice on investments, bonds and tax liability will help your finances in later life....

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Searching for financial mines with your foot

News & Views

The UK is known for its historic higher yields but with the current Brexit stalemate, UK domestic stock’s share prices have been under severe pressure as have their earnings. Peter McGahan explains why a yield-based investment strategy has risks.

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Mortgages if you’re approaching retirement age

Property

The property market is set for a period of change, writes Ruban Selvanayagam, and it looks set to present more choice to those in or...

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Here’s why you need to pay off your mortgage before retirement

Property

Financial responsibility now is the way towards a happy retirement in the future. Follow these steps to pay off your mortgage sooner rather...

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Rising care costs bleed life savings of older people

News & Views

A government cap on the cost of care will not prevent older people losing their life savings and homes, warns Independent Age

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Separations, divorce and discretionary trusts

Finance

Relationship breakdowns and squabbles over entitlement to a share of an estate are common and wholly avoidable. Nadine Wealands explains...

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Clever ways to balance your Brexit investments

News & Views

Many people are unaware how actively (or not), their investments are being managed or how exposed they are given the exceptional...

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Pay off your mortgage?

Property

Before paying off your mortgage, Peter McGahan says look at what other debts you might have such as credit cards and unsecured loans where the monthly cost is greater.

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As phishing gets smarter, what could businesses do for older clients?

Finance

Scammers are constantly devising new ways of persuading people to hand over sensitive personal data, so what can service providers do to...

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Lopsided boat of property investing

Property

Normal conditions mean a normal return, but these are not normal times says Peter McGahan as he outlines the risk of pinning all your hope...

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Why more people want to downsize when they retire

Property

How rental could be the alternative to spending retirement rattling around in a large home and having the worry and expense of its upkeep.

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Energy Bills Near £1,300^ – 5 Ways to Beat Constant Price Rises

Money Saving Tips, Sponsored

Why not save your hard earned money for something better spent on you? ...

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How will Brexit affect my retirement pension?

News & Views

Brexit is imminent and many thousands of Britons still do not know how their pensions will fare when the UK exits the EU....

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Time to look again at ISAs!

News & Views

Money doesn’t grow on trees but as Tony Page explains the Innovative Finance ISA could help you feel like it does.

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Finding your IFISA sweet spot

Finance, Sponsored

Finding your IFISA sweet spot can help you get a balanced rate of return for moderate risk. Here's how an Innovative Finance ISA (IFISA)...

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How will Brexit affect my monthly bills

News & Views

As the interminable Brexit wrangles continue we take a look at how leaving the Eu will affect your monthly bills....

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Why rent instead of buy?

Property

Renting may not suit everyone, but it’s growing in popularity and more retired people could step off off the property ladder and join ‘Generation Rent’, writes Gillian Girling.

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