Many individuals have pension benefits in a personal retirement bond (PRB) without necessarily understanding what they have and what steps they should follow to make the most of these benefits before retirement hits them – often too late to do anything! A PRB is an individual pension contract designed...
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It has been reported and indeed confirmed by the European Central Bank that policymakers are pushing ahead with the creation of a Central Bank Digital Currency (CBDC) or digital Euro. That’s ahead of a formal policy meeting today under new ECB head Christine Lagarde who has moved over from...
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Covid – 19 payment Breaks Available. These are unsettling and challenging times, with widespread financial impacts on people who may have lost their jobs or experienced a significant reduction in income. While other parts of the insurance industry are slow to make moves , the life insurance providers have...
Continue ReadingLike most people, you probably insure your home and your car against the unexpected. If you have a pet, you probably insure that too. But what about your income? When life is going well, it’s easy to take money for granted. It pays the bills and lets you take...
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If you have moved jobs there are a number of items you need to be aware of and to ensure you check them off your to do list. The first thing to ensure is that you transfer your pension out of the old company and into your sole name....
Continue ReadingThe most vulnerable at risk people to be caught for Inheritance Tax are only children or nieces/ nephews. If you stand to inherit property or assets from parents but are worried about getting caught in the current inheritance tax ‘trap’, a life insurance policy might be an effective way...
Continue ReadingHow will the bills be paid if you die? Unfortunately I have had to deal with this problem on a regular basis when claims arise. Trust me it is extremely difficult for the surviving members of the family to manage. Through my training and work experience I know it...
Continue ReadingWhen you’re taking out your mortgage, your lender will request that you also take out a mortgage protection policy. But what is it? It’s a cheaper form of life cover, designed to help pay your outstanding mortgage balance if the worst were to happen. So you know your family...
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