Personal Finance Advisers

Annuities – understanding the costs and fees

Monday, 2 April, 2012

Annuities issued by feasible insurance companies are among the securest investments one can make that still give a reasonable return and for a long period of time. However, it is important to understand the fees and costs associated with annuities.
The insurance company will guarantee that you will receive income payments for a certain period or [...]

Pension annuities – avoid the pitfalls

Monday, 2 April, 2012

When retirement comes in mind, it is automatic that annuities go along with it. When making a research about annuity rates and premiums, find annuities with this calculator that can be found in most insurance websites. This tool helps in determining specific annuity rates before you make your purchase. Each of the different annuity products [...]

What can sipp pension investors do?

Monday, 26 March, 2012

First of all let us look at what SIPP is. It is nothing but a personal pension which permits you to be in command of the investment management.
Why should you invest in a SIPP?
Every individual likes to take a greater awareness in wherever their pension wealth is invested. Nowadays markets present an extensive assortment of [...]

A history of chip and PIN

Tuesday, 13 March, 2012

Whenever you pay for something on your credit or debit card these days, you probably don’t think about how the technology actually works – I don’t anyway! It isn’t something I’d ever really thought about, especially since I only really started paying for things on my card after the big chip and PIN switchover in [...]

Aren’t Bodysuits also part of the UK Economy?

Monday, 12 March, 2012

The subject of stimulating our local economy cropped up recently at our BNI meeting and we were discussing a local business fair. The idea being to stimulate cashflow locally by bringing together businesses that are run by local people for consumption locally using uk manufactured products and services. There could be a business to business [...]

IR35 Advice for Freelancers in the UK

Friday, 2 March, 2012

If you’re self employed or about to go freelance, there’s one thing you need to be wary of and that’s the dreaded IR35. However, there are a number of benefits to being inside the IR35. Here we offer essential advice on the IR35 for freelancers in the UK.
IR35 is an abbreviation of ‘Intermediaries Legislation 35’ [...]

Think Money: How have your debts changed in the last year?

Monday, 20 February, 2012

Those of us hoping to get more out of our money this year should plan carefully – by looking at our financial past as well as the future, says financial solutions company Think Money.
Comparing today’s financial solution with a year ago could help people to identify anywhere they’ve gone wrong – as well as the [...]

Travel Insurance for Young Families

Monday, 20 February, 2012

Any parent is sure to be nervous and excited at the thought of taking their young children away on a family holiday with them for the first time. As well as the worries about choosing the right destination and then packing the right things you will be concerned about the possibility of anything going wrong [...]

Making the move from Permanent to Contractor

Thursday, 16 February, 2012

There are many differences from being a contractor than being a permanent employee. Of course there are advantages to being an employee – otherwise people wouldn’t do it! However, many people make the move into contractor-hood simply because it allows you that extra freedom, being your own boss and, ultimately higher pay.

IT Workers Trying to find Long Term Contracts

Monday, 13 February, 2012

Research conducted recently shows that IT consultants are trying to find long-term contracts, even though the pay is a smaller amount than more unreliable freelance work. Umbrella company Giant have carried out analysis that shows that temporary employees in the IT industry prefer the security of longer contracts even though a more casual set up [...]