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Midlifers set to be impacted twice by the cost of living

As the cost of living crisis continues to rise, midlifers are set to be impacted particularly hard. This is because many mid lifers are still paying off mortgages and other debts , while also trying to support their families. This means that they often have less disposable income than younger people.

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Looking to build a bigger pension?

As another extraordinary financial year comes to a close, it’s more important than ever to make good use of your annual pension allowances. Giving your pension savings a boost and assessing where you stand will give you peace of mind that you are on track to enjoying the retirement you are planning for.

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Adult social care charging reform

The government has set out its vision for the future of adult social care. New plans were announced on 7 September 2021 for adult social care reform in England.

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Your future self

The coronavirus (COVID-19) pandemic crisis could leave the next generation of retirees significantly poorer and sicker. 4.8 million people over 50 and in work fear losing their job because of the COVID-19 pandemic, according to new research which reveals fears of finding a new role[1].

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New Year, new start to your finances

At the start of every year we have great intentions, as financial promises are renewed. Getting our financial life in order will be a top priority for many as we enter 2021.

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Caveat emptor: ‘let the buyer beware’

As a result of the coronavirus (COVID-19) pandemic, there has sadly been an increase in the number of fraudsters exploiting people’s fears, targeting pension savers, investors and online consumers.

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Rise of the female breadwinner

The proportion of female breadwinners is steadily rising but the trend could be knocked off course by the…

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Financial fallout from COVID-19

It is becoming uncomfortably clear that while not everyone has been physically affected by coronavirus (COVID-19)…

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Coronavirus impact on the global economy

The coronavirus (COVID-19) outbreak is first and foremost a human tragedy, affecting hundreds of thousands of people. Moreover, it is also having a growing impact on the global economy.The markets have been extremely volatile as investors weigh the effect of the coronavirus against measures aimed at easing its economic impact.Therefore, it’s hard to say how this will affect investments in the short term.

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2020 Financial Resolutions

Whether it’s stopping smoking, losing weight, eating more healthily or getting fitter, most of us have probably made at least one New Year’s resolution, but how many of us will actually go on to achieve it?

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Spring Statement 2019

Philip Hammond, the Chancellor of the Exchequer, delivered his Spring Statement 2019 to Parliament on 13 March. Set against continuing uncertainty over Brexit and just hours before MPs were due to vote on whether to exit the EU without a deal, Mr Hammond devoted much of his speech to the possible effects that leaving the European Union could have on the UK’s finances.

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Year End Tax Planning 2018/19

When it comes to tax, leaving important planning to the end of the tax year can cost thousands. So now is your last chance to get your tax affairs in order before the end of the 2018/19 tax year. We’ve provided a summary and tips for some of the key tax and financial planning areas.

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Dot-com crash to global financial crisis

Saturday 15 September 2018 marked ten years since the collapse of Lehman Brothers.And with the bull market following the global financial crisis – now the longest in history in the US – it’s useful to revisit the past.

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Guide To Autumn Budget 2018

Philip Hammond, the Chancellor of the Exchequer, delivered his third Budget to Parliament on 29 October 2018 and what should be the last one before Brexit in March next year. What should you take away from this year’s Chancellor’s Autumn Budget 2018?

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2018/19 tax changes

It’s important to consider the tax implications of making financial decisions.The 2018/19 tax year is now upon us and a raft of new changes have come into force. The good news is that there is little change in the overall tax burden for basic-rate taxpayers. However, there are number of areas that have changed that should be taken note of.

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Beware of the scammers

An estimated £1.2bn is lost to investment scams each year, with share sales, wine investments, land banking and carbon credits commonly used by fraudsters to target potential investors. A recent study by Citizen’s Advice found nine out of ten people would fail to spot common warning signs of a pension scam, such as unusually high investment returns, cold calling and offers of free financial advice.

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Market matters

It’s important not to let current global uncertainties affect your nancial planning for the years ahead. People who stop their investment planning, particularly during market downturns, often miss out on opportunities to invest at lower prices.

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Spring Statement 2018

Chancellor of the Exchequer, Philip Hammond, delivered his first Spring Statement to Parliament on 13 March 2018. In a break with recent tradition, the chancellor did not use the financial statement midway between Budgets to present a ‘mini-Budget’ or pre-Budget report.

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Tandem Year End Tax Planning

It’s important to take the time to give your finances a year-end check-up.The 2017/18 tax year ends on 5 April 2018, with the new tax year beginning the following day, on 6 April. These are important dates for nancial planning, so it’s important you don’t miss the chance to make the most of valuable tax-efficiencies and allowances.

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Autumn Budget 2017

Chancellor of the Exchequer, Philip Hammond, delivered his second Budget to Parliament on 22 November 2017. In every Budget, there are winners and losers, and Autumn Budget 2017 was no different. In his keynote speech given to MPs in the Commons, Mr Hammond signalled that he will allocate funds to ‘invest to secure a bright future for Britain’, saying the Budget is about much more than Brexit.

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New State Pension Age

Will you be one of the millions of workers who will have to work an extra year before retiring after the Government announced that it would be extending the retirement age to 68? New plans announced in July this year mean that the rise in the State Pension age to 68 will now happen in 2039, affecting people born between 6 April 1970 and 5 April 1978.

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Election 2017

Prime Minister Theresa May’s announcement that she would call for a snap UK general election on 8 June 2017 surprised many people. After weeks of campaigning, there was no outright winner, with both the Conservatives and the Labour Party failing to secure a majority, resulting in a hung parliament.

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Road to brexit

Brexit has created an air of uncertainty, and no one really knows what’s coming next or what it could all mean in the long term. On 29 March, Prime Minister Theresa May triggered Article 50 of the Lisbon Treaty in a letter to EU Council President Donald Tusk, starting two years of divorce proceedings.

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That shrinking feeling

Millions of Britons could see their savings shrink because they don’t know how to shield them from rising inflation. The findings are according to research by YouGov for Zurich which found more than a third (37%) of people aged 18 to 65- plus are in the dark over ways to grow their savings enough to at least keep up with rising prices

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