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Finance

Win your dream car and up to £50,000 cash with BOTB!

Finance, Competitions & quizzes, Sponsored

From humble beginnings at Heathrow’s Terminal 4 twenty-two years ago, there’s now two winners every single week at BOTB!...

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Soaring inflation could push over 55s onto the breadline

News & Views

36% of over 55s are worried that the financial pinch will hit them shortly as prices continue to rise....

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Purchasing power of pensioners pummelled as inflation soars

News & Views, Finance

Helen Morrissey, senior pensions and retirement analyst at Hargreaves Lansdown, looks at how inflation is putting pressure on pensioner spending.

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Equity, wealth and the worrying cost of inflation

News & Views, Finance

It’s the question we all want an answer to - will our costs continue to soar?...

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Retirement planning – How to pass on your wealth to family

News & Views, Finance

Sharon Bonfield looks at your options If you hope to leave something to children or grandchildren after you've gone....

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How to invest for retirement – the art of perfect planning

Finance, Sponsored

The options for your portfolio and suggestions on what to do next. Laith Khalaf explains.

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Rising inflation – The rich get rich and the poor get poorer

News & Views

Peter McGahan continues his examination of inflation, how it is weakening your spending power and why banks stand to benefit....

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5 end of year tax tips for a stress free 2022.

Tax, Finance

David Woodward highlights five end of year tax tips that can help reduce your stress levels and put a few bob extra in your pocket....

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Will inflation continue to rise? Expert view

News & Views

Will inflation continue to rise? is the question many of us need answered. Peter McGahan takes a look at what is driving up the cost of living.

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What happens to my pension when I die?

Finance, Sponsored

Laura Suter runs through the rules around inheritance tax on retirement savings....

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Inflation bubbles and their devastating impact on society

News & Views, Finance

As the man on the street struggles to feed their families companies are posting profits of billions ...

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Inheritance Tax – Best ways to use resident nil rate band

News & Views, Tax • One Comment

‘Inheritance Tax is about as popular as a politician’ so take action to protect against it, writes Peter McGahan.

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Our biggest tax worries: the knowns and the great unknowns

News & Views

Taxes will rise in April and consumers are concerned - these are the known rises. However, they also fear further hikes to IHT, capital...

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Protection planning – take your 1st steps to financial security today

News & Views, Finance

Don't put off until tomorrow what you can do today. Peter McGahan looks at why protection planning is so important...

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Loyalty penalties – how to save £100s on your car insurance

Motoring, News & Views

The Financial Conduct Authority has clamped down on car insurance loyalty penalties offering consumers the hope of more affordable prices.

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10 financial spring-cleaning tips for a happy new year

Money Saving Tips, Finance

Get a handle on your finances in 2022. David Woodward highlights a 10 point plan to help you out....

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Tulipmania exposed – the need to get perspective on your finances

News & Views, Finance

I’ve had a few questions over the Christmas and New Year break about some of the get rich quick schemes which keep appearing. Sitting in...

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Green living important to retirees

Finance, News & Views

A new report has revealed that green credentials are important for more than 80 per cent of those interested in living in a retirement development.

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When you retire – a new beginning or panic stations?

News & Views, Pensions

Many people are still getting to grips with what the changing pension landscape means for them and what they need to do. ...

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Financially healthy 2022? Think smartly and sustainably

News & Views, Money Saving Tips

Look at the new year as an opportunity to refresh your financial plans and take back control of your money....

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‘Inflation proofing our money is essential particularly in today’s very unknown markets’

News & Views, Finance

Inflation is currently more than 2.5 times the inflation target the Bank of England is supposed to hit/stick to. Peter McGahan looks at what that means for your money.

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Wealth management – using crystal balls and expertise

News & Views, Finance

Have your investment and pension funds fallen either recently or in the past? David Woodward wealth manager and managing director of...

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Five simple steps to reduce your Inheritance Tax Bill

Tax, Finance

Sharon Bonfield shares her top tips and what you need to know about navigating IHT....

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Financially healthy Christmas

News & Views, Finance • One Comment

36% of women suffer stress, due to money, at Christmas, trying to make it as special as possible. Peter McGahan considers what you can do to prevent overspending.

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Online Christmas shopping: protect yourself from scammers

Money Saving Tips

Personal finance expert, Holly Andrews, outlines her top tips for shoppers to keep their money safe while shopping online this Christmas....

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Why do we financially procrastinate?

Money Saving Tips

Have you ever considered why you financially procrastinate when a timely decision will save you stress and most likely money, too?...

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Easy Inheritance Tax tips

News & Views, Tax

Peter McGahan lays out some straightforward rules for mitigating the impact of inheritance Tax.

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Inheritance Tax – understanding the value loan trusts

News & Views

Peter McGahan explains how Loan Trusts can help you start the process of estate planning and mitigate exposure to Inheritance Tax....

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COP26 or sustainable living? Now or never time

News & Views

Soundbites and political facade, Peter McGahan questions what COP26 can deliver without strong leadership and action....

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Top 10 tips for finding the right care provider

Care and carers, News & Views

Sharon Bonfield examines the challenge of finding the right balance for your loved ones’ care needs.

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Stagflation and your buying power

News & Views

How many remember the 300 year low inflation rate we currently have of 0.1 per cent, is well below the average since 1975 of 9.4 per cent?...

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The benefits of independent financial advice

News & Views

Peter McGahan discards the financial jargon for a common sense explanation of why it is necessary to seek independent advice when managing...

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A new study reveals the increase of retirement age over the next 3 decades

News & Views

As life expectancy continues to rise across the world, naturally, the age of retirement tends to follow.

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Restricted or independent financial adviser?

News & Views

There is a world of difference between an independent financial adviser and a 'restricted' adviser. Peter McGahan explains how it can...

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Homeshare: the positive impact of intergenerational living

Property

Balancing independent living with an older person's needs is a balancing act for many families. Homeshare could be the solution you seek,...

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Your local economy – cherish and protect it

Finance, News & Views

How the convenience of shopping online undermines the local economy and starves the Exchequer of tax revenue.

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Paying for care: don’t panic – plan!

Care and carers, News & Views

Paying for care is a challenge many families will face and failure to look ahead could have far reaching consequences if you rearrange your...

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Talking about money: helping daughters and granddaughters

News & Views, Finance

Why do women retire with a pension pot 40% smaller than men? Sharon Bonfield explains why and challenges us to talk more openly about money...

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Pension age is rising, beware and plan!

Pensions

In 2028, the minimum age for access to your pension will rise to 57 from 55. Peter McGahan explains why you should review your expectations.

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Honest conversations: preparing for long term care

News & Views, Care and carers

There comes a time for us all when we need care. Peter McGahan takes a look at the importance of talking openly about and preparing for...

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‘Get rich quick’ and other traps to look out for

News & Views, Finance

Peter McGahan asks, 'What does it mean to make a smart investment?' It's better to consider things carefully instead of buying into trends...

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House damage to first time buyers

Property, Finance

Peter McGahan looks at how young people are being denied a place on the property ladder and explains why a ladder with its bottom rungs missing is not stable.

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Are house prices about to collapse?

Property, Finance

David Woodward, managing director of Woodward Financials, looks at a volatile property market and economy and queries whether that bubble...

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Advantage of retirement planning for women at 50

News & Views, Finance

Sharon Bonfield looks at the opportunities to start new chapters in life for women after 50 and why retirement planning is crucial to...

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Dejá vu and risk of UK house price bubbles

News & Views, Property

Peter McGahan considers why the UK is prone to house price bubbles and how post pandemic savings and attitudes to work could be about to deliver another.

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Proven steps to take control of debt burden

News & Views

Peter McGahan looks at how many have slipped into the red for everyday spending and encourages us all to take control of debt....

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80% of Brits lack financial security in later life

News & Views

Study finds up to 80% of UK adults have insufficient equity to enjoy financial security in retirement. ...

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Positive steps to mitigate Inheritance tax

Tax

Our last two columns have focused around your property and Inheritance Tax given the surge in house prices.

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Is your financial success down to blind luck, skill, or fate?

News & Views

Many have a rollercoaster ride through life seeking financial success and freedom. Indeed, my financial freedom started with my first...

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Inheritance tax planning: Gifting my house but living in it

Tax

Peter McGahan continues to examine how property ownership and rising prices affect your exposure to inheritance tax. ...

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Inheritance Tax – Huge rise in house prices raises exposure

Tax

Peter McGahan explains how house prices rises have left many with the unwanted burden of Inheritance tax.

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Inflation and mortgage rates beware a rise

News & Views, Property

If you are looking to mortgage or have a fixed-rate due to end, rises in inflation and rates could cause you concern. Peter McGahan...

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Tax efficient redundancy

News & Views, Tax

Peter McGahan considers the post-furlough economy and presents a few tips for you to consider if you are being made an offer of...

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Passive investing losses certain from climate change

News & Views, Savings & Investments

As markets move to meet the UN’s sustainable development goals (SDG’s), Peter McGahan argues that apathetic investors risk losses after being left with dirty stocks.

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Sneaky financial advertising relies on white lies

News & Views

Financial advertising is reaching near saturation levels. David Woodward looks for an escape and asks do these products hold any value...

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When should I start claiming my pension?

Pensions

Sharon Bonfield explains why leaving your pension invested longer can help you to a more comfortable retirement. ...

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Interest rates and inflation could see prices soaring

News & Views

May’s increase in inflation was largely down to clothing and footwear but many sectors haven't yet passed on higher prices to consumers...

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Efficient saving, flexible ISA

Savings & Investments

Do you need the freedom to withdraw and then replace funds during the year without it counting toward your tax-free allowance – meet...

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Avoiding financial scams

News & Views • One Comment

UK bank fraud hit a new record of over £479m exacerbated by lockdown and as Peter McGahan reveals the crooks have a finely tuned strategy to separate you from your money.

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Inheritance Tax ISAs

Savings & Investments

Whilst it’s clearly one of the most tax efficient savings plans available, an ISA has one obvious flaw: Inheritance Tax. ...

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Social care planning: what you should know

News & Views, Care and carers

Understand your exposure to the cost of social care writes Sharon Bonfield ...

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Loss of income – what do you do?

News & Views

1 in 6 working families would receive little or no help if the main earner was unable to work due to sickness!!!

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Investment bond or collectives

Savings & Investments

Spread your investments across different areas to balance out risk and give you greater flexibility to readjust in line with performance,...

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Barclays Digital Eagles – Digital Wings

Finance

Barclays Digital Eagles help people make the most of the digital world, confidently and safely. Read all about their history and new...

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Dementia and unexpected financial risks

News & Views

Here we take a look at the challenges of helping someone manage their financial affairs and retain their independence.

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Where now for PruFunds with profits?

Savings & Investments

In this week's column: Peter McGahan looks at the woes of PruFund and the with profits bond....

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UK value stocks’ rocketing value

News & Views

Peter McGahan explains what value stocks are and why they are so attractive when inflation rates rise....

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Guaranteed structured investments (not)

Savings & Investments

Peter McGahan explains why products marketed under the term ‘guaranteed structured investment’ are poorly understood and actually offer little in the way of certainty or guarantee.

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Inflation: why it could surge after the pandemic

News & Views

We could be looking at an old-fashioned boom and bust phase of expansion and contraction within the next 18 months argues Ian Crowther,...

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Pension management – 80% per cent of over 50s clueless

Pensions

You could argue that your pension is not being properly managed if you have not had your risk assessed in the last 12 months. David...

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Sustainable societies, it’s happening

Savings & Investments

The attraction to sustainable investing for higher returns is growing as we slowly grasp that non-tax paying organisations who pay poorly aren’t classed as a circular economy and contribute little to sustainable societies.

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Greenwashing sustainable investments

Savings & Investments

Green washing is where companies tick a box to prove they meet Environment, Social and Governance standards - even though they are as...

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What is sustainable investing?

Savings & Investments

What is sustainable investing and why are neoliberals and corporations so against it? Peter McGahan explains why you should care. ...

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Is the old investment world gone?

News & Views

Is the old investment world gone? Peter McGahan explains why we can’t expect all previous models to continue to work.

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Tax day soaky damp squid

Tax

Tax day delivered some pretty significant impacts to businesses and individuals who could find themselves having to pay two year’s tax in...

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Will interest rates rise and should I fix?

Finance

Most economists agree, especially post the budget, that inflation will rise. Peter McGahan considers the impact and whether now is the...

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Equity Release advice

Equity Release

There are important considerations to weigh before you commit to an equity release product. Peter McGahan explains why.

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Stamp licking budget

News & Views

Peter McGahan looks at how the 2021 Budget will affect you as a consumer, your mortgage and lifetime allowance for pensions....

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Gender inequality in retirement

Pensions

Gender inequality in retirement: what is it and what can women do about it? Sharon Bonfield has the answers. ...

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Dying with no Will: What ‘Finding Alice’ teaches us about estate planning

Finance, Tax

A new campaign encourages people to pledge that they will make a will this year and avoid the emotional toil of navigating intestacy law.

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How safe is equity release?

Equity Release

Second of a three-part examination of the pro and cons of equity release products. Written by Peter McGahan. ...

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Property investment

Property

Peter McGahan explains why property investment needs careful management to stand the best chance of positive returns. ...

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Is equity release a good idea?

Equity Release

Equity release is not a one size fits all solution to deliver additional retirement income or help for your grandchildren. Peter McGahan explains why it should only be considered based upon a full understanding of risks and rewards.

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Upsides of Bitcoin

Savings & Investments

Peter McGahan talks Bitcoin and how in spite of the narrative of people power behind Bitcoin, the reality is the top 2.8% of Bitcoin...

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Trump – End of an Error, launch of ESG

News & Views

America is back. Diplomacy is back. Peter McGahan comments on the Biden administration's Environment, Social, Governance strategy and what...

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Get ahead of the ‘tax wonks’

Tax

Peter McGahan explains proposed changes to Capital Gains Tax and how a few careful decisions now could help you reduce your tax liability later.

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Making money resolutions work

Money Saving Tips

2021 is shaping up to be a very challenging year. Here, Peter McGahan tells how to make your new year money resolutions work. ...

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Is the UK stock market about to turn?

News & Views

Peter McGahan considers whether post COVID and Brexit we'll see a surge in the economy or a more punishing downturn....

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Expect the best, prepare for the worst

Finance

The COVID lockdown has prompted many people to re-evaluate life insurance policies and how best to protect their family. Peter McGahan answers some common concerns.

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Taking control of your money in lockdown

Finance

The lockdown has put a lot of people under financial stress, thankfully Peter McGahan has tips for taking back control of your money....

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Seven ISA strategies for tough times

Savings & Investments

With so much uncertainty in the markets you could be tempted into making rash decisions with your money, but as Sarah Cole explains there...

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ISAs and tax efficient investments – the easily lost 22.5%

News & Views

We should all be conscious about the tax efficiency but as Peter McGahan cautions; choose your investment vehicle wisely.

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The meteoric rise of mis-selling

Pensions

Pension mis-selling is the new PPI. Here, Glyn Taylor unpacks the reasons for the scandal, and looks at the three biggest factors at play....

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Drawdown plans top 1 million

News & Views

New data shows the number of drawdown pension plans and the number of those plans that are being transferred....

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Pension tax relief

Pensions

What now for government plans on spending with an untested Chancellor? Peter McGahan explains what it could mean for taxpayers.

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How will the Coronavirus impact Stock Markets?

News & Views

While healthcare markets will undoubtedly benefit from the Coronavirus, the outlook for other markets - if global powerhouse China...

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Could renting suit your lifestyle in retirement

Property

Are you retiring this year? According to calculations by Legal and General* more than 500,000 people will reach retirement age this...

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Financial Resolutions for peace of mind

Money Saving Tips

It’s better to be in control rather than reactionary, and simple financial resolutions can help buffer up your end of year balance, writes Peter McGahan.

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