Indentity Theft

What is Fractional Banking

Published / Last Updated on 08/08/2017

Fractional Banking: What is it? What risks does it place on consumers? Should banks really be allowed to lend money they do not have?

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We know it is stating the obvious, but our director did exactly that, he shopped around and saved £268 on motor insurance in just 10 minutes. If just 10 ...

> 5y10m

Advice Tips

MiFID II Financial Advisers Must Disclose Fees Every Year

MiFID II Financial Advisers Must Disclose Fees Every Year

Under MiFID II rules that started in January 2018 investment firms and financial advisers must tell you their fees and what they were paid each year rather than pnly ...

> 5y10m

Advice Tips

Fixed Interest Fund Warnings

Fixed Interest Fund Warnings

A warning about fixed interest funds holding government bonds and gilts as central banks pull back from QE and nerves in the bond market. Rising yields may push capital ...

> 5y11m

Advice Tips

Different Risk Profiles

Different Risk Profiles

We take a look at investment alerts, our market sentiment indicators and why our actions may be totally different to those recommended to clients....

> 5y11m

Advice Tips

3 Bank Accounts to Budget and Save

3 Bank Accounts to Budget and Save

We look at managing your budget in 2018 as prices rise and suggest 3 bank accounts are needed to budget and save....

> 5y11m

Advice Tips

Market Forecasts 2018

Market Forecasts 2018

What is the consensus for markets and forecasts in 2018? We look ahead and what others are predicting for 2018....

> 5y11m

Advice Tips

What banking information do you want shared with other organisations? Open banking from January 2018 means you get to choose what and who you can share your spending habits with....

> 5y11m

Advice Tips

Only Greedy People Get Conned

Only Greedy People Get Conned

We have a saying that only greedy people get conned. If it looks too good to be true, it probably is. Remember this when looking to invest....

> 6y

Advice Tips

Bitcoin v Sterling

Bitcoin v Sterling

We take another look at Bitcoin, the cryptocurrency and decentralised payment exchange facility. Is it really that different to central bank currencies?...

> 6y

Advice Tips

General Data Protection Regulations 2018

General Data Protection Regulations 2018

We take a quick look at the General Data Protection Regulations 2018. Companies should not keep personal data that they do not need about you....

> 6y1m

Advice Tips

Frequency of Stock Market Corrections

Frequency of Stock Market Corrections

We have looked at UK, US and Japanese stock markets on a monthly basis over the last 15 years to find out which have the greatest large swing correction ...

> 6y1m

Advice Tips

What Is My Attitude To Risk

What Is My Attitude To Risk

What is my attitude to investment risk? We offer a simple way to look at your attitude to risk and tolerance to investment loss....

> 6y1m

Advice Tips

No Deal Brexit Pound Collapse Effect

No Deal Brexit Pound Collapse Effect

We explore the impact of a speculated no deal Brexit, the pound falling by another 20% and how FTSE 100 would react....

> 6y1m

Advice Tips

Why Are Brexit Talks Stalling

Why Are Brexit Talks Stalling

We look at why Brexit talks are stalling, why is there deadlock, why do both sides need to move?...

> 6y1m

Advice Tips

Is NAFTA A Plan B For UK Brexit

Is NAFTA A Plan B For UK Brexit

Could NAFTA be a plan B for UK Brexit? We take a at the North America Free Trade Agreement, a tariff fee common market, for Canada, Mexico and the ...

> 6y2m

Advice Tips

Risk Profile and Portfolio Building Calculators

Use our risk profile calculator and investment portfolio building calculator to experiment with different investment mixes to build the right investment portfolio mix to match your tolerance to investment ...

> 6y2m

Advice Tips

German Election Result Means Market Instability

German Election Result Means Market Instability

The results of yesterday's German election, whilst Angela Merkel remains Chancellor, the huge swing away means she may not have the power she once had and this may mean ...

> 6y2m

Advice Tips

Is A Weak Pound A Brexit Divorce Bill Strategy

Is A Weak Pound A Brexit Divorce Bill Strategy

We explain why the Bank of England maintaining low interest rates and thus a weak pound despite inflation pressures could be a classic Brexit Divorce Bill strategy....

> 6y3m

Advice Tips

Demographic Investment

Demographic Investment

Crystal ball gazing the investment future by looking at demographic investment, property, defensive stocks and technology when looking at population growth....

> 6y3m

Advice Tips

500 Identity Thefts Per Day

500 Identity Thefts Per Day

With reports that there are over 500 identity thefts per day in the UK, we offer suggestions on our good habits that we have to try and protect our ...

> 6y3m

Advice Tips

Why is Insurance Cheaper With Different Companies

Why is Insurance Cheaper With Different Companies

Why is the price of home insurance, motor insurance and life insurance different? We explain why insurers are simply bookmakers....

> 6y4m

Advice Tips

Bulk Buy Groceries

Bulk Buy Groceries

Simple suggestion to bulk buy your groceries, shopping and long term / no expiry date products ahead of prices rises....

> 6y4m

Advice Tips

Will There Be A Stock Market Crash in 2017

Will There Be A Stock Market Crash in 2017

Will there be a stock market crash in 2017? That is the question we and many investors are asking and trying to work out. Inflation is increasing in the ...

> 6y5m

Advice Tips

Bank of England Split Panel Decision on Interest Rates

Bank of England Split Panel Decision on Interest Rates

What is the likely impact on markets with the Bank of England Monetary Policy Committee split panel decision on interest rates? Markets down or up? Inflation down or up?...

> 6y5m

Advice Tips

Cash Parked Investment Funds Inflation Warning

Cash Parked Investment Funds Inflation Warning

We offer a warning on cash parked pension and investment funds following this weeks inflation figures and the potential for more inflation, stock market falls and interest rate increases....

> 6y5m

Advice Tips

Impact of Higher Inflation

Impact of Higher Inflation

We explore the impact of higher inflation as the Office for National Statistics releases latest shock increases to CPI and RPI....

> 6y5m

Advice Tips

Investing After Election Revolt 2017

Investing After Election Revolt 2017

Where to invest after the shock election revolt as Theresa May sets up a minority government for 2017 and Brexit....

> 6y6m

Advice Tips

Eighties Market Lesson Long Term Equity Growth

Eighties Market Lesson Long Term Equity Growth

We take a look at 1980's inflation, interest rates and stock markets performance over a 20 year period, is this what stock markets will do in the next 20 years?...

> 6y6m

Advice Tips

Care Fees Means Test 2020

Care Fees Means Test 2020

We revisit the proposed changes to the care fees means limits from 2020 (postponed in 2016)....

> 6y7m

Advice Tips

Mobile Phone Security

Mobile Phone Security

Video looks at how easy it is to find out about you from your mobile phone even when it is locked. Be careful how you store information on your ...

> 6y7m

Advice Tips

Article 50 Impact

Article 50 Impact

We explore the initial impact of Article 50 being triggered today for investments and pension markets....

> 6y8m

Advice Tips

Social Media Security

Social Media Security

We suggest you remove some of your personal information from your social media pages for security. Why would you freely give you name, date of birth, your location or ...

> 6y8m

Advice Tips

Phasing Investment During Brexit

Phasing Investment During Brexit

We explore ways to minimise investment risk during Brexit using phasing for your investments and pensions....

> 6y8m

Advice Tips

Growth Opportunities Spring 2017

Growth Opportunities Spring 2017

We explore the potential for growth opportunities as the US heads for interest rate rises and UK heads towards interest rates freezes in Spring 2017....

> 6y8m

Advice Tips

Pound Cost Averaging During Brexit

Pound Cost Averaging During Brexit

We explore ways to minimise investment risk during Brexit using pound cost averaging for your investments and pensions....

> 6y8m

Advice Tips

Short Medium Long Term Money

Short Medium Long Term Money

Setting the risk profile of your pensions and investments with thought to your needs for short, medium and long term money....

> 6y9m

Advice Tips

Adviser Not Really Advising

Adviser Not Really Advising

If your financial adviser not really advising you? Are they outsourcing your financial advice with a paraplanner? Charging you but getting paraplanner to do the work on the cheap?...

> 6y9m

Advice Tips

Commission on No Advice Plans

Commission on No Advice Plans

Yet another warning, prompted by an insurance company email this week, if you took out a policy before 2013 on a commission basis, if there was no advice, the ...

> 6y10m

Advice Tips

Worried About Being Cash Parked

Worried About Being Cash Parked

Are you cash parked and out of investment markets? Do you think you are missing out of growth potential? Want to take more investment risk? Contact us for a ...

> 6y10m

Advice Tips

Means Test Limit Council Tax Income Support

Means Test Limit Council Tax Income Support

We explain the lower £6,000 and upper £16,000 capital means testing limits for income support, council tax help and job seekers allowance. In addition to the weekly income assumption ...

> 7y1m

Advice Tips

Compare Your Financial Adviser Service

Compare Your Financial Adviser Service

Compare your financial adviser's service. What did your financial adviser do for you this year? It's your hard earned money. Compare your adviser to our service. Existing clients: a ...

> 7y1m

About Us

Should You Pay Upfront

Should You Pay Upfront

Video explores the pros and cons of paying upfront for fees or services or works. Should you get a written contract? What can I do if I am unhappy ...

> 7y1m

Advice Tips

Stockpile Long Life Groceries

Stockpile Long Life Groceries

How to beat inflation. The pound is weak, food, petrol and fuel prices are going to rise quickly. A strange money advice video, but we suggest you could stockpile ...

> 7y1m

Advice Tips

Change Foreign Currency Back To Sterling

Change Foreign Currency Back To Sterling

Video covers not just the potential for cashing in any old euros, dollars or other currency back to sterling to profit from sterling's fall but also a warning that ...

> 7y2m

Advice Tips

How to Protect from Financial Fraud

How to Protect from Financial Fraud

With a fraud in the UK every 15 seconds, here's a selection of tips on how you can protect yourself from financial fraud, from cards to pins from virus ...

> 7y2m

Advice Tips

Cost of Living Inflation Impact

Cost of Living Inflation Impact

Video explores the need to factor in cost of living increases i.e. inflation when reviewing your pension planning and financial advice in general....

> 7y3m

Advice Tips

Beware Financial Adviser Salesmen

Beware Financial Adviser Salesmen

Video explores some methods used by unscrupulous financial adviser with 'dodgy' selling techniques....

> 7y5m

Advice Tips

Over 55 With Debts or Mortgage

Over 55 With Debts or Mortgage

Video looks at an option for the over 55s with debts or mortgages and potential solutions by releasing pension lump sums that may or may not be good for some....

> 7y5m

Advice Tips

FTSE 100 Recovery Will All Share Index Recover

FTSE 100 Recovery Will All Share Index Recover

Is this the calm before the storm? Video looks at why the FTSE 100 Recovered after the shock Brexit vote and asks whether the All Share Index will recover too....

> 7y5m

Advice Tips

Brexit Investment Keep Calm Carry On

Brexit Investment Keep Calm Carry On

Video suggests that most clients should already by cash parked with market related investments and we are suggesting that market instability will remain for some time....

> 7y5m

Advice Tips

Brexit Investment Action Planning

Brexit Investment Action Planning

With polls leaning towards a Brexit rather than Bremain vote, investors and investment markets have seen falls over the last few days with £billions wiped off company values. What ...

> 7y5m

Advice Tips

When To Avoid Getting Promoted

When To Avoid Getting Promoted

Video looks at potential tax perils of getting promoted, should you take that promotion? How much will it cost you? Is promotion worth it?...

> 7y6m

Advice Tips

Why Are There Penalties On My Policy

Why Are There Penalties On My Policy

The Queens Speech this week suggested a crack down on high penalties for pensions. Many older life, pensions and investments policies have penalties. Why is this? Can they be justified?...

> 7y6m

Advice Tips

Ability to Withstand Investment Losses

Ability to Withstand Investment Losses

This video explores things that you should consider for your pension and investment spread to protect your ability to 'ride out' or withstand investment losses....

> 7y7m

Advice Tips

UK EU Referendum Reality Check

UK EU Referendum Reality Check

Quick link video to pages on BBC with a reality check on all the spin issued by both the Leave and Remain campaigns ahead of the UK EU Referendum....

> 7y7m

Advice Tips

Beware Unregulated Financial Websites

Beware Unregulated Financial Websites

Video warns that you should always check the credentials of any financial website. Are they regulated? Are they simply pretending to offer advice but only offer information? Do they ...

> 7y8m

Advice Tips

Pension Contributions When Annual Allowance Capped

Pension Contributions When Annual Allowance Capped

Apart from the usual tax charge here's an alternative way to pay pension contributions when your annual allowance has been capped or tapered....

> 7y8m

Pensions

Contactless Card Payment Security

Contactless Card Payment Security

Video explores security issues for Contactless Card Payment Security, Radio Frequency Identification RFID and use of special wallets to protect your card details....

> 7y10m

Advice Tips

Stock Market Falls What Should I Do

Stock Market Falls What Should I Do

Video looks at what investors should do or consider in light of stock market falls and oil prices tumbling in January 2016....

> 7y10m

Advice Tips

New Year Money Resolutions 2016

New Year Money Resolutions 2016

Video focuses on New Year 2016 money resolutions and actions that you should take with pensions, investments, savings, care fee, tax and dividends for the coming changes in 2016....

> 7y10m

Advice Tips

Financial Paraplanner

Financial Paraplanner

Video introduces the role of paraplanners with financial advisory companies, does your financial adviser outsource their technical advice to another and pass it off to you as there own ...

> 7y11m

Advice Tips

Privacy Settings Phone and Tablet

Privacy Settings Phone and Tablet

Video explores the new 'Snoopers Charter' passing through government at Bill stage and the fact that not just security services can monitor you but who else is tracking you ...

> 8y

Advice Tips

Beware of Very Cheap Financial Advice

Beware of Very Cheap Financial Advice

Video looks at issues with some financial advisers pricing too cheaply and what happens when some firms they do not do enough research, offer standard reports and then close ...

> 8y1m

Advice Tips

Switch Investments to Transparent Charges

Switch Investments to Transparent Charges

Video explains why some pension, investments and life insurance plans have hidden charges the switch over to clean share asset classes for investments for tranparent, no hidden charges for ...

> 8y2m

Advice Tips

Why Should I Keep Some Paper Bills

Why Should I Keep Some Paper Bills

Video explains the issues about proving ID and the requirements for paper proof and why you should keep some as paper based when you have to prove ID even ...

> 8y2m

Advice Tips

Capital Decumulation Planning

Capital Decumulation Planning

Video explores Capital Decumulation Planning this is the period where financial planning in retirement is needed to cash flow model with financial advice....

> 8y3m

Care

Compounding Money Effect

Compounding Money Effect

Video explores our concept of "Pay 9" - pay off your mortgage in 9 years, get the same pension in 9 years that you would get after 25 years ...

> 8y3m

Advice Tips

How Much Should I Insure For

How Much Should I Insure For

Video offers a simple way to help you value things and how much you should insure yourself for with a simple example....

> 8y3m

Insurance

Big Investment Fund Pros and Cons

Big Investment Fund Pros and Cons

We take a look at the pros and cons or investing in large, supertanker investment funds, the sheer size of some investment funds are bigger than some Countries wealth ...

> 8y3m

Advice Tips

Investment Herding

Investment Herding

Video asks whether you follow the flock with your investments and simply going on past performance headlines and fund manager reputation or are you a Buffet and invest when ...

> 8y4m

Advice Tips

Sports Cars v Pensions

Sports Cars v Pensions

Video explores how we should try and imagine the value of our pension fund in the context of tangible assets and luxury items. It will give real perspective on ...

> 8y5m

Advice Tips

UK Wealth Tax Speculation

UK Wealth Tax Speculation

We explore the possibility of a possible Wealth Tax in the UK as part of a strategy for increased revenue in UK as well as discouraging landlords thereby releasing ...

> 8y5m

Tax Plan

Greece and Market Falls June 2015

Greece and Market Falls June 2015

Video explores the issues with Greece's unresolved debt problems, the IMF walking out of talks and stock market volatility in June 2015 caused by the uncertainty of a Greek ...

> 8y5m

Advice Tips

How To Get Highest Interest Rate

How To Get Highest Interest Rate

Paying for financial advice to find the highest or most suitable bank account and interest rate is simply not cost effective as you adviser needs to do research, reports ...

> 8y6m

Investment

Why is Deflation Bad for Economy

Why is Deflation Bad for Economy

Video explains negative inflation i.e. deflation and whilst lower prices may appear to be good it is actually bad for the economy....

> 8y6m

Advice Tips

Protect Annual Allowance with Small Pension Drawdown

Protect Annual Allowance with Small Pension Drawdown

Video explains how if you wish to have some access to flexible pension drawdown but still wish to keep the full pension annual allowance of £40,000 rather reducing to ...

> 8y7m

Pensions

Financial Adviser to Test Your Investment Knowledge

Financial Adviser to Test Your Investment Knowledge

Video explains that financial advisers and finance companies will have to test your investment knowledge and only recommend policies that you can understand....

> 8y8m

Advice Tips

5000 Pounds Interest Tax Free Allowance

5000 Pounds Interest Tax Free Allowance

Video explores the new £5000 Savings Interest Tax Free Allowance available for lower income pensioners and low earners from 6th April 2015 meaning you can have a total income ...

> 8y8m

Tax Plan

How Much Money Can I Give Away

How Much Money Can I Give Away

Video explores the misconception that you can only give away £3000 per year, it is much more than this, you just need to know the rules on Inheritance Tax....

> 8y8m

Advice Tips

Company Director Best Way Take Profit

Company Director Best Way Take Profit

Video looks at pensions as the best way to extract profits from your business rather than dividends. Less tax, more money, less or nil inheritance tax too. Pension v ...

> 8y9m

Advice Tips

SPS Statement of Professional Standing

SPS Statement of Professional Standing

Video explains how the financial regulator and professional institutes ensure financial advisers keep their knowledge up to date and issue a yearly Statement of Professional Standing certificate. Ask your ...

> 8y10m

About Us

Savings Zero Tax Rate and 5000 Allowance

Savings Zero Tax Rate and 5000 Allowance

Video explains the zero rate of income tax for savings interest and the savings allowance for the band of £5000 staring April 2015.Transcript:“Hello there, a nice little video this. ...

> 8y10m

Investment

Savings Capital Limit for Means Tested Benefits

Savings Capital Limit for Means Tested Benefits

Video explores the savings capital limit for Means Tested Benefits for Pension Credit, Housing Benefit and Council Tax Benefit.Transcript:“Hello there and welcome, thank you for joining me. Subject for ...

> 8y10m

Advice Tips

10 Reasons to Pay Into A Pension

10 Reasons to Pay Into A Pension

Video offers 10 simple reasons as to why you should save and invest money in a pension scheme for the various tax relief benefits and other reasons that you ...

> 8y10m

Advice Tips

Quantitative Easing Explained

Quantitative Easing Explained

Video explores government borrowing and sovereign debt and buying back debt using QE quantitative easing.Transcript:“Hello again and thank you for joining me. I get asked quite a lot: “what ...

> 8y10m

Advice Tips

5 Money Questions To Ask Yourself

5 Money Questions To Ask Yourself

Video provides food for thought with five thought provoking questions to ask yourself about your money this week.Transcript:“Hello there. This is a test, a little bit thought-provoking for you ...

> 8y10m

Advice Tips

Independent Financial Advice IFA

Independent Financial Advice IFA

Video explains the difference between advised and non-advised sales and independent financial advice IFA versus restricted financial advice. Transcript: “Hello there and welcome to yet another one of my unscripted ‘I ...

> 8y10m

About Us

Retirement Cash Flow Model

Retirement Cash Flow Model

Video explores the concept of planning for retirement and later life using cash flow models and cash flow modelling techniques to ensure you have enough money to see you ...

> 8y11m

Advice Tips

New Year Money Resolutions 2015 Part 1

New Year Money Resolutions 2015 Part 1

Video (part 1) looks at over 15 New Year Money Resolution ideas that may make or save you money in 2015. Don't delay plan them in for next year ...

> 8y11m

Advice Tips

New Year Money Resolutions 2015 Part 2

New Year Money Resolutions 2015 Part 2

Video (part 2) looks at over 15 New Year Money Resolution ideas that may make or save you money in 2015. Don't delay plan them in for next year ...

> 8y11m

Advice Tips

Setting Financial Goals

Setting Financial Goals

Video looks at why you should set financial goals and targets. People never plan to fail but people fail to plan. This is the same with our financial goals ...

> 8y11m

Advice Tips

What To Do When Retiring Soon

What To Do When Retiring Soon

Video offers action tips if you are retiring soon for state pension, winter fuel, tax codes and dealing with HMRC and DWP.Transcript:“Hello there, so you're about to retire. What ...

> 9y

Advice Tips

Bed and ISA Sell Stocks and Transfer to ISA

Bed and ISA Sell Stocks and Transfer to ISA

Bed and ISA video explains the tax benefits of using up your yearly capital gains tax allowance and transferring directly owned stock investments overnight into an ISA wrapper.Transcript:"Hello again. ...

> 9y

Investment

How To Value Your Spouse or Partner

How To Value Your Spouse or Partner

Video explores how to value your spouse or civil partner. What would it cost if you lost them? We have a value your spouse calculator tool for you to ...

> 9y

Insurance

Cheaper Life Insurance Pay a Fee Not Commission

Cheaper Life Insurance Pay a Fee Not Commission

Video explores how paying a fee for life insurance, critical illness and income protection policies may save you a lot of money when compared to letting your financial adviser ...

> 9y

Advice Tips

Trail Commission Ban How Many Financial Advisers Will Close

Trail Commission Ban How Many Financial Advisers Will Close

Video looks at the coming trail fee and commission ban for Financial Advisers, how many will close? Many banks have already closed their financial advice arms.Transcript:“Hello there, this is ...

> 9y1m

Advice Tips

070 Telephone Number Scam Warning

070 Telephone Number Scam Warning

Video offers a warning that some people are using 070 personal, premium numbers as a scam to make money. There are legitimate users but there may also be scammers.Transcript:“Hello ...

> 9y1m

Advice Tips

Use Pension As A Bank Account

Use Pension As A Bank Account

Video explains how to use your flexible pension drawdown just like a bank account with part tax free 'income' and part taxable income.Transcript:“Hello there, today's date is 14 October. ...

> 9y1m

Pensions

Different Ways Advisers Charge Fees

Different Ways Advisers Charge Fees

Video explains the difference between non advised, full commission sales v independent and restricted financial advice and different fee charge methods.Transcript:“Hello again. The subject for my video today is ...

> 9y1m

Advice Tips

Financial Advice v Pension Guidance

Financial Advice v Pension Guidance

Video explains financial advice versus financial and pension guidance, following the Budget 2014 where Government confirmed it would arrange for free pension guidance. We explain the difference between advice ...

> 9y2m

Pensions

Why My Financial Adviser Does Not Contact Me

Why My Financial Adviser Does Not Contact Me

Video explains why many people are not being contacted by their pension, investment, financial adviser firms. We answer the question "Why My Financial Adviser Does Not Contact Me?" The ...

> 9y2m

Advice Tips

Green Investment Alert 041014

Green Investment Alert 041014

We issue a green investment alert for clients that are currently cash parked or missed that last Green Alert.Transcript:"Hello there Saturday, 4 October 2014 and the FTSE 100 index ...

> 9y2m

Advice Tips

Transfer Window for Higher Protected Pension Lump Sums

Transfer Window for Higher Protected Pension Lump Sums

Video explains the window that is open before April 2015 to transfer pensions with a protected higher tax free cash lump sum to a new pension.Transcript"Hey there, subject for ...

> 9y2m

Pensions

Scottish Independence Will Markets Rise or Fall

Scottish Independence Will Markets Rise or Fall

Published on 18 Sep 2014, Scottish Independence Voting Day. Video explains why we are neutral and holding for UK stockmarket investment....

> 9y2m

Advice Tips

Save Money Vouchers Affiliate Schemes

Save Money Vouchers Affiliate Schemes

Video as we issue a challenge to you to make use of those offers and affiliate schemes and save money...

> 9y3m

Advice Tips

Zero Interest Balance Transfer Credit Card

Zero Interest Balance Transfer Credit Card

Video looks at the pros and cons of Zero Interest Balance Transfer Credit Card. Ideally pay off balance every month but if not it makes sense to review interest ...

> 9y3m

Advice Tips

Pension Tax Relief University Fees

Pension Tax Relief University Fees

Video explains the idea of paying into pensions, get tax relief, use flexible drawdown to pay university fees...

> 9y3m

Advice Tips

Why Set Financial Goals

Why Set Financial Goals

Video on Financial Goal Setting. Why Set Financial Goals? No one plans to fail but many fail to plan. Without a plan you may not achieve you financial goals ...

> 9y6m

Advice Tips

Comparing Mobile Phone Networks

Comparing Mobile Phone Networks

Always search the market, you may be able to get the same amount of minutes, data and texts for a lower price with a different provider.You can keep your ...

> 9y7m

Advice Tips

Outsourcing Fund Recommendations

Outsourcing Fund Recommendations

Some financial advisers don’t keep up with markets and the changes to funds. They will outsource their financial fund recommendations.This means they may levy extra charges on you to ...

> 9y7m

Investment

Adviser Charging Percentage V Fees

Adviser Charging Percentage V Fees

Some advisers will set a fee to do financial related services like ourselves. Other advisers will use percentages for financial related services. The Financial Conduct Authority is not happy ...

> 9y7m

Advice Tips

Bank Building Society Rates

Bank Building Society Rates

To tell you who are giving the best rates for your instant savings we must research the whole market and write a full report based upon your circumstances to ...

> 9y8m

Investment

Interest Rate Con

Interest Rate Con

Just because someone is headlining the best interest rate does not mean that is the rate you will get.Some accounts may headline the best interest rates but your money ...

> 9y8m

Advice Tips

Projection Illustration Changes

Projection Illustration Changes

New rules are being changed for projection illustrations.Under the new rules the rates you see on your projections will be reduced.The projections for pensions will also now include adjustments ...

> 9y8m

Pensions

Scottish Independence Financial Services

Scottish Independence Financial Services

Financial advisers require a financial services passport to be allowed to give advice in Europe.There are similar rules in place for banks.If advisers want to give advice in other ...

> 9y9m

Advice Tips

Pre-Budget Speech December 2013 Part 2

Pre-Budget Speech December 2013 Part 2

If you move out of your home and buy a new home then you have 3 years to sell that previous property before becoming liable for capital gains tax. ...

> 10y

Advice Tips

Pre-Budget Speech December 2013 Part 1

Pre-Budget Speech December 2013 Part 1

State pension age increases are being brought forward to 2020 for state pension age of 66, and 2028 for 67. There are also discussing further increases for those retiring ...

> 10y

Advice Tips

Financial Advice Steps

Financial Advice Steps

Once agreed that you would like to go ahead with our services we will get you to sign letters of authority which allows us to speak to companies on ...

> 10y1m

Advice Tips

Why You Pay For Financial Advice

Why You Pay For Financial Advice

Just to give a service and protect the public from mis-selling, bad advice and bad services, financial advisers have to pay for many services to be able to provide ...

> 10y1m

Advice Tips

Making A Financial Complaint

Making A Financial Complaint

Put your complaint in writing and send it to the financial firm who you have a complaint with.The firm then has 5 business days to acknowledge your complaint.Once acknowledged ...

> 10y1m

Advice Tips

Big vs Small Financial Advisers

Big vs Small Financial Advisers

Smaller firms are very personal and their aim is to give you the best deal so you recommend them to your friends.Bigger firms may or may not have more ...

> 10y2m

Advice Tips

Why Some Banks Will Not Give Financial Advice

Why Some Banks Will Not Give Financial Advice

Under the new RDR rules, advisers must quote a fee before giving advice.Some advisers may give a set fee for work others may give a percentage fee.Some companies now ...

> 10y2m

Advice Tips

Making A Budget

Making A Budget

Ashley Clark helps you plan for bills and budget you money...

> 10y2m

Advice Tips

A history lesson into what is money and where £1 came from....

> 10y2m

Advice Tips

Gold and Currency

Gold and Currency

We help clear up how gold effects currency and your money.Get international currency advice today....

> 10y2m

Advice Tips

What Are Payday Loans

What Are Payday Loans

Help and guidance over payday loans, with all the press and news around payday loans and lenders, we thought we would give you some guidance over the quick money service....

> 10y2m

Advice Tips

Interest Rate Effect

Interest Rate Effect

Help on how interest rates effect countries, savings, lending and business....

> 10y2m

Advice Tips

Choosing a Financial Adviser

Choosing a Financial Adviser

A guide to asking the right questions before choosing a financial adviser...

> 10y2m

Advice Tips

How Much to Pay a Financial Adviser

How Much to Pay a Financial Adviser

Ashley Clarks tells you what you should be paying an financial adviser. ...

> 10y2m

Advice Tips

Videos Channels

Our Financial Advice Fees Quotes and Shop

Money Tips Cost of Living & Covid

Cost of Living & Covid

Markets & Alerts

Markets & Alerts

Expat & Offshore

Expat & Offshore

At Retirement Options for Pensions

Options At Retirement

Pension Transfers

Pension Transfers

Green Inv ESG SRI

Green Inv ESG SRI

Law, Wills, Attorneys

Law, Wills, Attorneys

Politics and Economy

Politics & Economy

Indentity Theft