Should you repay your student loan?
If you have a student loan have you ever considered repaying it early? Interestingly the answer is not as simple as you may think. That’s because student loans aren’t like normal loans. In fact, arguably they are not loans at all. Student loans are, in…
Why our new Wealth And Tax app benefits you
We got tired of the old way of working with paper and email so we decided to create our own app. We have been running a paper-light virtually paperless office for a number of years anyway but we always wanted our own app. Our app…
How Wealthtech’s revolution benefits you
There is a digital revolution happening right here right now. It’s called Wealthtech. Before you ask what it is you’ll probably be surprised to discover you are almost certainly already using it in one way or other. So what is Wealthtech? Wealthtech derives from the…
Budgeting: the key ingredient to your financial success
Budgeting is a core skill which should be taught to every child from an early age at school. It is a critical habit to get right and to get used to doing regularly just like brushing your teeth daily is a good habit. So where…
How to inherit wealth tax efficiently
If you are from one of the pre-baby boomer generations, X, Y or Z, you are likely to be one of the lucky people to share the inheritance of an estimated £5.5 trillion from the older generations between now and 2047. Yes, you read it…
Why financial planning is crucial to the younger generation
Whether you are of Generation X, Y (Millennial) or Z demographic age group what you have in common is that you were born in one of the generations after the so-called baby boomers who are aged 55 plus. Of these generations, the focus of this…
Why Child Trust Funds and Junior ISAs matter to you
If you are a young person reading this blog by which I mean someone just turned 18 or who will become 18 by the beginning of 2029 then the information contained in it may well be very valuable to you. This blog is equally of…
Negative Interest Rates and What They Mean to you
At the time of writing, in late August 2020, the UK government is considering introducing negative interest rates for the first time in its history. The UK base rate was reduced from 0.75% to 0.1% in March this year. In the US the rate is…
Is now the time to step onto the property ladder?
At the time of writing, in early August 2020, the UK is gradually emerging out of the coronavirus pandemic into the so-called “new normal.” How long it will take to get back to normal, nobody knows. Judging by past pandemics in history it seems likely…
The ever increasing importance of Ethical, Social and Governance policies for businesses
Companies’ good Environmental, Social and Governance policies, ESG, are more important than ever today. This is because increasing numbers of investors, especially Millennials, expect the companies they invest in to be true advocates of ESG rather than simply paying lip service to it. The concept…
Is now the time to invest in bitcoin?
I first invested in bitcoin in the Autumn of 2017. The price of bitcoin had been rising very fast and I planned to ride the wave with a small number of my investable assets. The return was remarkable. I gained 100% in about 4 months….
Why it is more important than ever for the younger generation to build their own financial independence
The current government lockdown due to the coronavirus has brought into sharp focus the fact that many people in the UK literally live from hand to mouth each month. Millions of working renters are just one pay packet away from losing their home. With little…