Really Useful Money Stuff

Equity Release News

Thursday, April 14th, 2011

When ‘no cost’ equity release could cost you your home. The Financial Services Authority (FSA) has advised consumers to be cautious about equity release products that claim to offer a ‘no cost’ way of using property to generate an income. They warn that they could be risking their homes. The regulator specifically mentioned a plan [...]

Tags: Equity release, FSA

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ISA Sales Increase

Tuesday, April 12th, 2011

After a slow start, sales of ISAs are on the increase. Despite concerns that events in the Middle East and the Japanese earthquake and tsunami might have discouraged some investors, equity income funds have remained popular. If you’re considering your ISA investment, take ISA advice from an independent financial adviser who can guide you to [...]

Tags: investment, ISAs, tax

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Good News for Large Mortgages

Tuesday, April 12th, 2011

From the end of March, Nationwide building society will increase its lending limit to £2m on its fee-free mortgages and offer up to 75 per cent loan-to-value (LTV). The lender said it will consider cases on an individual basis that are more than £2m, up to 70 per cent LTV. All cases over £500,000 will [...]

Tags: large mortgages, mortgages

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Potential First Time Buyers Not Hopeful

Tuesday, April 12th, 2011

Research by HSBC apparently shows that less than 25% of potential first time buyers expect to be able to buy a house within the next 5 years. Its survey, which questioned 1,350 people who do not own their own homes, found that more than 80% of these people did want to be home-owners. However, less [...]

Tags: first time buyers, house prices, housing market, mortgages

Posted in Mortgage, News, Really Useful Money Stuff | No Comments »

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Past investment performance

Monday, April 11th, 2011

My financial adviser is telling me to invest into a range of funds based on their investment performance last year. Is there any relationship between last year’s investment performance and the future performance? A turkey sits all year with the belief everyone cares about it. As each day goes past, it believes it can’t get [...]

Tags: funds, investing, investment, investments, risk, stock market

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Independent Mortgage Broker

Thursday, April 7th, 2011

Is an independent mortgage broker the best person to help me get my mortgage, or am I better using the high street banks? There are a few ‘varieties’ of an independent mortgage broker and over the last few years their advantages and uses have altered considerably. An independent mortgage broker should look at all the [...]

Tags: Independent Financial Advisers, independent mortgage broker, mortgage broker, mortgages

Posted in Mortgage, Really Useful Money Stuff, Weekly Articles | No Comments »

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Budget 2011 – Podcast

Thursday, March 24th, 2011

Four of Cornwall’s leading organisations came together to discuss the implications of George Osborne’s Budget and how it will impact on the businesses and people of Cornwall. The four speakers were; Paula Martin, chief executive of Cornwall Air Ambulance Trust; Nick McBreen, independent financial adviser at Worldwide Financial Planning; Alistair Whyte, partner and head of [...]

Tags: 2011 budget

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Festive money saving tips from Worldwide Financial Planning

Thursday, December 16th, 2010

Worldwide is offering free advice on how to stop the credit card from taking too much of a battering this Christmas. It has been estimated that 3.8 million people will get into debt over Christmas, while other consumers will be dipping into their savings to pay for the festive period. 29 percent of households have [...]

Tags: Peter McGahan, saving money, Worldwide Financial Planning

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Financial News Round-Up

Monday, November 15th, 2010

A weekly round-up of all the top financial stories from the UK media for the week ending 12th November 2010. Keeping you up to date with the financial news. • ‘Star’ manager quits Gartmore Fund manager Gartmore lost Roger Guy, its top fund manager yesterday as he announced his departure. Shortly afterwards, the company put [...]

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How guaranteed/structured products lose you money

Monday, November 8th, 2010

Perhaps the single biggest question I am asked about is structured investment products and they bore me senseless. These are the products you will see listed in bank windows or sold over the phone/direct mailers. They are sold as protecting the downside of your money with an element of return on the upside and are, [...]

Tags: guaranteed products, structured products

Posted in Get it right, Investment, Investment, Really Useful Money Stuff, Weekly Articles | No Comments »

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