Chancellor's Autumn Statement 2012
For a summary of the yesterday’s Autumn Statement by George Osbourne please click here By David Gibson <a href=”https://plus.google.com/100895853551824521220?rel=author”>Google</a>
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Why choose a Certified Financial Planner (CFP) Professional?
Some of you will already know that I recently attained Certified Financial Planner status. I am one of ten individuals in Northern Ireland who hold this designation. It is the only globally recognised mark of excellence for Financial Planners and approximately 1000 of us hold the qualification in the UK. The Chief Executive of the […]
View ArticleTop 10 Money Excuses. Investment and savings advice in Coleraine Ballymoney Portrush Bushmills Co Antrim Co Londonderry Portstewart
People who make bad money decisions can often rationalise them. Here are 10 common excuses. Human beings have an astounding facility for self-deception when it comes to their own money. We tend to rationalise our own fears. So instead of just recognising how we feel and reflecting on the thoughts that creates, we cut out […]
View ArticleState Pension Update. Pension advice in Coleraine Ballymoney Co Antrim Portrush Portstewart
You may be wondering what is happening with the new single-tier state pension. There is no doubt that the UK has a bewilderingly complex state pension that is trying to achieve something very simple. As with all government changes, some will win and some will lose… So what is being proposed? It’s simple – a […]
View ArticlePension Liberation. Unlock your pension early – be careful!
We have become increasingly aware of companies marketing directly to the public and claiming that they can take money out of their pension before the usual retirement age of 55. Please please please exercise extreme caution – early access to pensions is rarely in anyone’s best interests. The FSA (Financial Services Authority) are paying close […]
View ArticleTeacher retiring or taking voluntary redundancy – financial advice in Coleraine, Ballymoney, Limavady, Portrush and Portstewart
I have a number of clients who are in the teaching profession and have retired early or taken voluntary redundancies over the past couple of years. If you are in the same position or have friends or family members wondering whether they can afford to take a voluntary redundancy please put them in touch with […]
View ArticleWhat does the Chancellor's Budget mean for you? Financial Advice in Coleraine, Ballymoney, Co Antrim, Co Londonderry, Limavady, Portrush, Portstewart
I’d hoped to get this out earlier today but it was one of those days and before I bath baby Daisy I’ve a few minutes to write this up. It’s not a very exciting budget and has been described as “fiscally neutral” i.e. what the chancellor gives with one hand he takes back with the […]
View ArticleWhat does the Chancellor’s Budget mean for you? Financial Advice in Coleraine, Ballymoney, Co Antrim, Co Londonderry, Limavady, Portrush, Portstewart
I’d hoped to get this out earlier today but it was one of those days and before I bath baby Daisy I’ve a few minutes to write this up. It’s not a very exciting budget and has been described as “fiscally neutral” i.e. what the chancellor gives with one hand he takes back with the […]
View ArticleHow to lose ten million quid. Financial planning advice in Coleraine, Ballymoney, Portrush, Limavady
I was listening to BBC Radio 4’s You and Yours yesterday on the way to a physio appointment (O the glamour). Appearing on the show wasLee Hendrie, a premier league footballer who went bankupt in 2010. He lost £10 million on property deals and was left with debts of around £1 million. It is so […]
View ArticleFinancial planning case study for a young family – Independent Financial Advice Coleraine
I was asked on Friday by a trade magazine to expand on one of the case studies from our website. I’ve edited it for this blog post (Real names have been changed). Rob and Catriona are typical of many young couples I meet, enjoyig a high standard of living and little to no planning for […]
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