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January 2019 – Client Newsmail

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All of us at Flowers McEwan would like to wish you a successful but not-too-exciting investment year ahead. In this exciting newsmail we have: some calming investment counsel for unpredictable times; a nudge to check that ...

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How to achieve an unbelievable savings goal

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I was recently reminded of some wise but simple advice about how to save. Warning: this advice is hard (like brushing your teeth and hitting your step target each day) and boring (in the short term, like watching your garden ...

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Avoiding Sim-Swap Fraud

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Murray writes: Recently my daughter’s phone stopped working for no apparent reason.  As she is using her phone a lot for work this was an immediate point of crisis. She investigated and was distressed to learn that she ...

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Brexit Investment Blues

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Despite the fact that uncertainty in the investment markets is always a certainty – they are often telling us that if there is one thing they don’t like – it is uncertainty. Well, the uncertainty is very obvious in ...

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January 2019 – The need to submit a tax return

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You may well be registered with HMRC (Her Majesty’s Revenue & Customs) and be submitting an annual tax return in January already. If not, and if you think any of the following apply to you then you should speak with ...

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September 2018 – Client Newsmail

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Our newsletters are, by and large, part of our advice and planning service to you. Over the course of this year, as we carry out annual reviews with our clients, we are reviewing our data protection and communications with ...

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Who can you trust in the financial world?

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Who can you trust in the financial world? How does someone go about finding a good financial adviser? Back in the olden days you would call a number on an advert or ask a friend. In these digital days, people tend to search ...

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Tax changes which may affect you (Spring Statement 2018)

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There have been some important tax changes this year. They won’t necessarily amount to a lot of money but they may well require action: From the 6th April 2018 the rates and bands of tax that apply to Scottish ...

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Brexit adds to the investment price

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I don’t mean to predict that Brexit will harm your investment (or indeed to predict that it will benefit your investment. I just don’t know). What I mean is that there is a price we pay when we invest. It’s the fear and ...

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Brexit predictions, what’s our view?

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You won’t be surprised when we say that we are agnostic about what will happen to your investments after Brexit. That is to say, we don’t know. Nevertheless, here are some possible outcomes: The UK economy falters This ...

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