At the end of 2021, the Bank of England (BoE) raised its base interest rate from 0.1% to 0.25%. Then, the Bank increased the rate further in February, to 0.5%. While the changes may seem small, they can have a significant effect on your mortgage – and further increases could happen this year. The BoE’s
Read moreIt’s been five years since the Royal Mint introduced the 12-sided £1 coin. In that short time, the value of money and how we use it has changed significantly. When the Royal Mint announced the 12-sided £1 coin it said it was “the most secure coin in the world”. Features like being bimetallic and having
Read moreFinding a way to create a passive income can give you more financial freedom and complement your other sources of income. And, if you have a lump sum, there’s more than one way you can do it. A passive income is an income that requires minimal work to maintain. This means you’ll have an income
Read moreAs you may know, inflation (or the “cost of living”) has been rising at a faster pace than usual. If you’re retired, the effect of inflation can be more pronounced and it’s important to understand how it could affect your lifestyle now and in the future. The Bank of England (BoE) aims to keep inflation
Read moreAs 2021 drew to a close, the Covid-19 pandemic and its consequences continued to affect economies. The first case of the Omicron variant was reported in South Africa at the end of November 2021. It quickly spread and some counties began to reintroduce restrictions and offer booster vaccine shots. As before, the measures taken to
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Thinking about what might happen after you die isn’t easy. It’s hard to imagine the world simply continuing. That’s likely one reason why so many people put off writing a will for “another time” or decide to “sort it later”. But the reality is, none of us know when we’ll die. Having a will in
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Tasting menus are a great alternative to a traditional à la carte menu, giving diners the opportunity to try a little bit of a lot of dishes. They can take away the quandary of what to order, or the disappointment of wishing you’d had something different. The premise of this type of menu is a
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Unlocking the equity that’s tied up in your home could provide a welcome boost to your finances and allow you to enjoy your later years. While many people choose to take a lump sum from their home, a drawdown plan might better suit your needs. According to data released by the Equity Release Council in
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