Decision Time

Decision Time

Arguably the most significant difference between childhood and adulthood is that as adults, the default assumption in most cases is that we have the ability and the authority to take our own decisions about how we want to live our lives.  We also have responsibility for dealing with the consequences of them.  There are times, however, when we’re unable to act for ourselves and it is strongly recommended to think about those times and what we should do about them.

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All Change For Buy To Let

All Change For Buy To Let

As the old saying goes, hope for the best, prepare for the worst.  This seems as good a description as any for the Bank of England’s approach to managing interest rates and the prospect of their going up.  While savers may be delighted at the idea of earning a better return on their deposits, rate rises are bad news for borrowers and this last fact has clearly been noted by financial regulators.

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Stop Your Pension Becoming Overly Taxing

Stop Your Pension Becoming Overly Taxing

Managing your money in a tax-efficient manner is generally to be recommended at any stage in life, but it’s arguably most important for pensioners, who need to make the income they’ve earned during their working years, last them all of the rest of their days, literally.  Over recent years, the government has permitted greater flexibility with regard to how people can manage their pension, however greater freedom brings with it a greater degree of responsibility for people to understand what their options are and what they mean in practical terms.

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What Now for Cash & ISAs?

What Now for Cash & ISAs?

It may seem hard to believe these days, but once upon a time, savers with relatively modest bank balances could still generate a decent income from leaving their money in a savings account to earn interest.  Right now, however, those days are long gone and unless and until they come back, people need to think seriously about how best to manage their money in a low-interest-rate environment.

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