Serenity

‘Property Haves’ and ‘Property Have Nots’: Buying property between the ages of 25-36 can have a big impact on you and your children

March 22, 2014 by TIna

The current generation of 25 to 36 years olds, the traditional age group for first-time buyers, are split into ‘property haves’ and ‘property have-nots’. These young adults can expect their current circumstances to have a significant effect on their future property purchases and those of their children, according to a report from HSBC. The headline statements are:

The Budget Summary 2014

March 20, 2014 by TIna

Category: Economy & Uncategorized

The Chancellor billed his fifth budget as one that sets out further action to secure the economic recovery and build a resilient economy. Amongst the announcements are major changes to pensions and ISAs.

This document sets out the main changes to tax rates and allowances for individuals, companies and trustees.

Economic Update: How are we doing?

March 11, 2014 by TIna

Category: Economy & Uncategorized

In its February 2014 Inflation Report, the Bank of England, in general terms, is saying that the UK recovery has gained momentum, with inflation returning to the 2% target. The report states that reduced uncertainty, easier credit conditions and the stimulative stance of monetary policy should support continued solid economic growth, with the expansion in demand becoming more entrenched and more broadly based.

Proposed Changes to Flood Cover Insurance arrangements

March 11, 2014 by TIna

Category: Protection & Uncategorized

Earlier in February 2014, the Water Bill had its second reading in the House of Lords and the issue of flood cover insurance was discussed. The current UK flood insurance guarantee – the Statement of Principles – is soon to expire and is set to be replaced by the Flood Re proposal. The Royal Institute of Chartered Surveyors (RCIS) supports the Flood Re proposal as it is currently the only tenable solution available and has the support of both the insurance industry and government, which secures its viability.

More over-55’s now seek financial advice but there are still plenty who could benefit from talking to an adviser

March 10, 2014 by TIna

Category: Investments & savings & Uncategorized

More over-55s are turning to financial advisers than did so four years ago, new research from Aviva into the shape of financial advice for retirement in 2014, shows. But with 77% of over-55s having no relationship with an adviser – and no plans to establish one – Aviva’s findings reveal a worrying lack of understanding about the nature of financial issues in later life.

Annuity review highlights importance of advice and shopping around

March 09, 2014 by TIna

Category: Investments & pensions & retirement & savings & Uncategorized

The startling headline finding from The Financial Conduct Authority’s (FCA) recent review of the annuities market proved to be the fact that some 80% of people who purchased an annuity from their pension provider could have received a better deal from an alternative source.

The report found that the annuities market was not working as it could for consumers, with many reporting that they found it difficult to review the suitability of the annuity offered by their pension provider, when compared to the alternatives available.

Our insights

‘Property Haves’ and ‘Property Have Nots’: Buying property between the ages of 25-36 can have a big impact on you and your children

The Budget Summary 2014

Economic Update: How are we doing?

Proposed Changes to Flood Cover Insurance arrangements

More over-55’s now seek financial advice but there are still plenty who could benefit from talking to an adviser

Annuity review highlights importance of advice and shopping around

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