Bank of England minutes

During the dubious ‘I’m a celebrity’ program – Ant and Dec are great, the rest of them are in supporting roles I – I snatched a few minutes to read through the Bank of England’s Monetry Policy Committee minutes from earlier this month.
Ordinarily they are pretty dull and I barely scan through them – remember [...]

Housing Market

John Wrigglesworth, a housing/economics expert who is quite popular in the media gave a talk at Mortgage expo.
He has some interesting thoughts on the housing market, which kind of awakened an instinct that I had been having, but hadn’t crystalised yet.
He talked about 3 sets of people.
People in negative equity.
People who aren’t in negative equity, [...]

Independent advice makes you money

How can Independent advice make you money?
Well, if we assume you have a fixed amount to invest, whether it be monthly, or a a lump sum, you want to do the best for it.
Simplistically, this may be investing in the place with the lowest charging structure, or the highest interest rate.
But for a stock market [...]

Independent advice protects your money

This is an interesting area and subject to individual advice, especially to fit with ’saves your money’ blog.
First priority – you have a salary, on which everything relies. You insure your car, for what £30 per month? You insure your house for what £30pm as well? Your TV is insured, your dog is insured. Your [...]

Independent Advice saves you money

There are many ways an Independent Financial Adviser can reduce someone’s outgoings.
We can start with what is probably your largest outgoing – your mortgage.  There are several ways of saving money on a mortgage – getting the best interest rate is one. However, shortening the term will reduce the overall cost, although increase the monthly [...]

Things an IFA can do.

There are 3 categories to my work and I have created a blog for each.
Independent advice will save you money
Independent advice will protect your money
Independent advice will make you money
I hope you find them useful.
Adrian
IFA, IFA Southampton, Utility Bills, IFA Hedge End, Utility Warehouse, IFA ISA, IFA income protection, redundancy insurance

Lenders interest rates

Well, it seems that most lenders are doing the right thing on interest rates – 4.99% seems to be ‘about right’.
Abbey have influenced this, although we are all forgetting that they put their rates up by 0.5% earlier this week and also didn’t pass on the earlier 0.5% drop, so they had 1% in hand [...]

1.5% cut in B of E base rate – shock!

Well, that was a surprised and it’s being talked about everywhere.
I’ve had e-mails this afternoon from almost every lender stating that they are withdrawing all their tracker products, although I did swap one lucky client onto the outgoing products with minutes to spare – most lenders gave an hour or so’s warning to act, with [...]

Changes to State Benefits for ill people

So, obviously you are strong, maybe even immortal.  So am I.
So are most people. I’ve just turned 40, and do you know – I’ve started to get a few aches and pains and I cant’ throw off a cold like I used to.
So, unless I am lucky I’ll probably have time off work for health [...]