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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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The costs of caring for family

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My wife and I have experienced the costs of caring as we have also had the joy of sharing our home with her father. It’s a good arrangement and has worked well for many years. Both my wife’s mother and father moved into a ...

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Cryptocurrencies

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On low-news days the media likes to chatter about the eye-popping gains being made in cryptocurrencies (such as BitCoin, Ethereum or Ripple). As you can probably guess we are somewhat sceptical about the merits of investing ...

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The Third Dimension for investment is: The Good You Can Do

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Following on from our Christmas article we are making more progress with Social Impact investing. There are two established dimensions for investment: the returns you get and the risk you take. Investing is always about ...

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Social Impact Investment – Avoid Harm, Do Good, Make Money

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For the past 25 years I have been asking people what they want from their investments. The top five requirements have been: 100% security – I want my money to always be there if I need it Low volatility – I don’t want ...

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Do You Have A Personal Pension? (Nomination of Beneficiaries)

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If you do you may need to take some immediate action because of recent changes in pension law. It’s about what happens to your pension if you die. Last year’s Pension Freedom legislation brought in changes to how death ...

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A Festive Financial Reflection

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The amount is not important I once glimpsed a social media posting between some schoolboys comparing their Santa Claus haul. Each item was assessed not by considering the giver of the gift but by its value in sterling. ...

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