Goodfellows has established IncomeInsurance, an accident, sickness and unemployment policy for a mortgage or any other purpose. IncomeInsurance was designed in response to a survey by the British Association for Protection Brokers. It found half of UK workers do not have savings or insurance to fall back on if they were unable to find a […]
Last week, I looked at a simple piece of tax planning for a couple aged under 65. Here's another which applies when both spouses are aged 65 or over. A few bullet points will help us.When both spouses are aged 65 or over, it is beneficial if the total income of each is kept below […]
Sub-prime packager Advantage Mortgage Services is starting a national network for mortgage packagers.The network will provide a range of products for members along with mortgage processing software and a training and development programme.Advantage has already signed up one packager, Derby-based Future Finance, and hopes that 50 others will join. It says it has 20 further […]
By the time you read this, we will have heard the result of the Bank of England's August interest rate deliberations and the betting is on no change. Indeed, I believe the base rate may be in for another relatively long period of stability. This will inevitably lead to a wringing of hands among personal […]
Do macro headlines create white noise which impacts market prices? Portfolio Manager at Harris Associates, David Herro, discusses how market volatility can create opportunities to buy good business at a discount.
The pensions dashboard: now there is a good idea, surely? Well, actually no, it is not. To be fair, it sounds like a good idea – a one stop shop where you can see all your various pensions in one place, neat and tidy, lovely and shiny. But there are some problems – quite a […]
When I first started flicking through career guides and thinking about what path to take, I wanted to make sure my job gave me flexibility, the ability to travel and the opportunity to meet people. After researching it, I realised a career in financial planning could tick all these boxes and, so far, my experience […]
The FCA has published the findings of its review into how non-deposit taking mortgage lenders and mortgage third-party administrators handle complaints, concluding that some approaches are “inflexible”. The regulator wanted to see if the processes involved in handling complaints posed a risk to customers, and, in some areas, found room for improvement. While the FCA […]