“First, forget inspiration.  Habit is more dependable.  It will sustain you, whether you’re inspired or not”   Octavia Butler,  American Science Fiction Author,   22nd Jun, 1947 – 24th Feb, 2006

Are you saving for retirement. We’ve all heard it before: money can’t buy you happiness. After all, you can be as rich as Croesus and still be miserable. But that’s not the whole story. In fact, if you use it wisely, money can certainly help bring joy. Money is a bit like health; having it […]

Although I am not involved in the Mortgage Market, I think most people will be interested in the way The Financial Conduct Authority (FCA) is viewing the said market  It has identified a number of ways it wants the mortgage market to work better for those buying a property. The regulator’s interim findings on the state […]

Before you think we’re taking pandering to a whole new level, here’s something you probably didn’t know about yourself: you’re descended from nobility.  Maybe even Royalty. “How do we know that?,” you may ask. It’s actually just simple maths. As it turned out, you only have to go back about 600 years. How can that […]

LTA currently £1.03m  “The LTA (Lifetime Allowance) is an arbitrary tax that penalises individuals who have enjoyed good returns on their [Pension] investments” – Retirement Advantage’s Andrew Tully The annual amount of tax collected from people exceeding the lifetime allowance has jumped 1,000% since its introduction just over a decade ago, a freedom of information […]

If you are reading this, a week after the holiday weekend, well done;  you have survived the great GDPR email frenzy, which finally reached fever pitch last Friday afternoon. Did you all get the emails  saying “we don’t want to say goodbye” which landed in the inbox on Friday.  Did the senders not get the […]