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Category: Uncategorized
On 10th July 2013, the Office of National Statistics (ONS) reported on the âEffects of Taxes and Benefits on Household Income, 2011/12â. The report adds to the evidence being amassed as part of the ongoing ONS Measuring National Well-being Programme â how the UK as a whole is doing.
Category: Uncategorized
Further exploration of the Office of National Statistics (ONS) latest UK Well-Being Report, published in July 2013, for the 2011/12 year is around retired households.
These are defined as those where the income of retired household members accounts for the majority of the total household gross income and where there is different income and expenditure patterns to non-retired counterparts.
Category: Investments & Uncategorized
Units can fall as well as rise in value and you may not get back the amount invested.
That was the first âwealth warningâ most of us can remember and by and large we were all â advisers and clients alike â fairly comfortable with it. Stock markets â and the underlying funds our clients were invested in â did indeed rise and fall, but generally speaking they did it fairly sedately.
Category: Uncategorized
Around one in three of us in the UK can expect to be a victim of identity theft or fraud at least once in our lifetime. Two common attacks by criminals are that they either take over your identity or steal your credit/debit card identity. Either way, you can be done by the fraudster, quickly or slowly over time. Identity fraud is less likely if you take the right steps to protect yourself.
Category: Uncategorized
Your credit rating with credit reference agencies like Experian, Equifax, CallCredit or CheckMyFile can be accessed by any business or institution seeking to check on your credit worthiness. Your credit report with such an agency is an almost inevitable early checkpoint for financial institutions and lenders.
Category: Uncategorized
A bad credit rating can limit your borrowing options. If you miss credit card payments, direct debits for energy bills, or other commitments, you could find a mark placed against your name that will cause you problems. County Court Judgements (CCJs), defaulted payments and bankruptcy orders all leave a black mark against your name when you are trying to secure credit.
