Top 10 queries financial advisers encounter on a daily basis – part two Welcome back to Part 2 of my series, where I provide information on the top ten most common queries myself and my colleagues encounter as busy financial advisers. Last week I covered Mortgages Protection, Life Assurance and Savings and Investments to name
Top 10 most common queries financial advisers encounter – part one of a two-part series! This is the first of a two part series, where I provide information on the top ten most common queries myself and my colleagues encounter as busy financial advisers. There will be something in this for everyone, but let’s
Q It’s my 50th birthday soon and I’ve been working hard in various jobs for almost 35 years. I want to be in a position to retire by the time I’m 60. How can I make sure that can happen? A This answer is a long one. I’ll send you a list of the information
Why getting financial advice now on mortgage rates is important! Mortgage rates are shooting up and this has implications not only for day-to-day household budgets but it’s likely causing huge numbers of borrowers to struggle to pay their mortgages. This will not just affect those on tracker rates who, for the first time in
Q My partner and I saved diligently for a deposit so we could buy our first home. We have a respectable sum saved, but are getting confusing messages about whether now is a good time to buy. On one hand we hear the housing market is in crisis and we should buy when we can,
My partner and I are cohabiting, but what are the implications in terms of inheritance tax? Q My partner and I bought a house seven years ago and while we do not intend to marry we are in a committed long term relationship. We have taken out life cover but friends frequently advise we should
I’m worried about my mortgage repayments. What should I do if they rise? Q My mortgage repayment is rising all the time, it is beginning to cause me stress. When I asked my lender, I was informed I cannot fix the rate. I’m worried repayments will rise to a level I can’t afford. What happens
Financial Health Check: Don’t put off what you can do today! IF you want to get fit, you need to become determined to achieve targets. Finance should be treated in the same manner. Ultimately, financial planning is about tailoring a solution to meet your precise requirements. There are a number of ‘universal’ needs that
Budgeting in the current climate: how can I get my spending under control? Q I’m finding it difficult to budget at the moment to the constant changes to prices, interest rates and so-called expert opinions on what’s going to happen. How can I budget better and try get both my spending and saving under
New Year’s Resolutions – how to give your finances a thorough health check this January It’s still January but I wonder how many of us made and stuck to our New Year’s resolutions. Instead of committing yourself to some elaborate resolution, which may be all but impossible to keep, why not think about taking