Have you given thought to estate planning?  If not, you may not have considered:  What might happen if your surviving spouse were to remarry How would this affect your children if your surviving spouse later changed their will in favour … Continue reading →

The spending round announcements at the end of June confirm continued austerity. The Chancellor produced what amounted to three mini-Budgets in his Autumn Statement last December. Many tax bands and social security rates were set for the years up to … Continue reading →

The number of people aged over 65 in work has reached a new record. There are now over one million people in work aged 65 or over according to the latest statistics from the ONS. That represents nearly one in … Continue reading →

The best short term rates are disappearing. National Savings & Investments (NS&I) have announced cuts in interest rates to three of its variable rate products to take effect from 12 September, as shown in the table below. The cuts are … Continue reading →

The first six months of 2013 were a roller coaster ride for investors. “The value of investments can go down as well as up”. That familiar warning has been all too true over the first half of 2013, particularly in … Continue reading →