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Premium Bonds prize rate hits 15-year high, but are they worth it?
There are now more chances to win through Premium Bonds as the prize rate reaches a 15-year high. So, what are your odds of becoming a...

Gary Lumb
Mar 16, 20233 min read


Explained: How pension tax relief works and boosts your retirement savings
Tax relief could boost your pension and mean you have more financial freedom in retirement. Yet it’s something that you may overlook when...

Gary Lumb
Mar 16, 20233 min read


All the winners and losers from the 2023 spring Budget
Just six months ago, Kwasi Kwarteng stood up in the House of Commons and delivered his controversial “mini-Budget”. The announcements...

Gary Lumb
Mar 15, 20235 min read


Your spring Budget update – the key news from the chancellor’s statement
On Wednesday 15 March 2023, chancellor Jeremy Hunt presented his spring Budget. Focusing on the government's aims to halve inflation,...

Gary Lumb
Mar 15, 20234 min read


The essential guide to ISAs
ISAs have been around for more than two decades, but they’ve changed significantly since they were first introduced. This guide can help...

Gary Lumb
Feb 8, 20231 min read


The 2022/23 end of tax year guide: 7 allowances to make use of before 5 April 2023
The 2022/23 tax year ends on Wednesday 5 April. After this date, many allowances reset, and it could be your last chance to use some of...

Gary Lumb
Jan 4, 20231 min read


Do you have a gap in your National Insurance record? Checking now could boost your State Pension
The rules around filling in a gap in your National Insurance (NI) record are changing. From 5 April 2023, you will only be able to make...

Gary Lumb
Dec 15, 20223 min read


Life insurance vs family income benefit: Which one is right for your family?
Creating financial security for your family if the worst should happen can be difficult to contemplate. However, it’s something that can...

Gary Lumb
Dec 15, 20223 min read


4 key factors that could affect your mortgage interest rate
Mortgage repayments for thousands of homeowners are rising. Understanding what affects the rate you’re offered when applying for a...

Gary Lumb
Dec 15, 20223 min read


Experts forecast a recession in 2023. Here’s why and what it means for your investments
Experts are predicting that the UK will face a recession in 2023. While it can be tempting to react to this news by changing your...

Gary Lumb
Dec 15, 20223 min read


6 essential steps to take if you’re retiring in 2023
If you’re retiring in 2023, congratulations! It’s an exciting milestone that you’re no doubt looking forward to. Here are six practical...

Gary Lumb
Dec 15, 20224 min read


After the risk of pensions collapsing made headlines, here’s how your retirement savings are protect
Recently, you may have read headlines about how pension funds were close to collapsing. Naturally, you may be worried about your...

Gary Lumb
Dec 14, 20224 min read


Guide: Financial wellbeing: 6 ways to help you make better financial decisions
Humans are hard-wired to make poor financial decisions. It’s just in our DNA. Financial wellbeing is a broad topic, covering all aspects...

Gary Lumb
Oct 19, 20221 min read


The parents’ guide to paying for university and student loans
If your child will be going to university this year or is planning to further their education in the future, you undoubtedly feel proud....

Gary Lumb
Sep 20, 20221 min read


ESG: Can you balance your values with your investment goals?
More people are considering their values when making investment decisions. If it’s something you’ve thought about, you may wonder if it’s...

Gary Lumb
Sep 5, 20223 min read


Why taking too little investment risk could harm your goals
When you imagine the worries that might come with taking investment risk, it’s probably “taking too much” that comes to mind. After all,...

Gary Lumb
Sep 5, 20224 min read


Do you think financial protection claims aren’t upheld? 98% were paid in 2021
If you think that insurers don’t pay out when people make claims, you’re far from alone. According to Scottish Widows, just 7% of people...

Gary Lumb
Sep 5, 20223 min read


Why saving your pension could reduce a potential Inheritance Tax bill
When you start thinking about how you’ll create an income in retirement, it’s probably your pension that comes to mind. Yet, if your...

Gary Lumb
Sep 5, 20223 min read


1 in 3 savers worry they’ve “lost” a pension. Here’s how to track them down
It can be easier than you think to lose your retirement savings. In fact, estimates suggest thousands of savers have forgotten about...

Gary Lumb
Sep 5, 20224 min read


7 compelling reasons you should seek financial advice at retirement
Some of the decisions you make as you retire could affect your income and lifestyle for the rest of your life. Yet, data suggests that...

Gary Lumb
Sep 5, 20224 min read
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