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Where is your emergency cash?

Do you have a rainy day fund? Think again, if you don’t – where you hold your cash matters. A common piece of basic financial advice is that you should have enough of a cash reserve to cover at least three…

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Student loans – of little interest?

A new 6% cap on student loan interest sounds helpful – but is it really? Here’s the reality...

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The 'mansion tax' and property prices – what's to come?

Further details have emerged about the potential impact of the ‘mansion tax’ announced in the last Budget. Rachel Reeves’ first two Budgets have so far featured announcements of tax-raising measures…

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State pension age hits the 67 threshold

Were you born after 5 April 1960? There can sometimes be a long period between when legislation becomes law and when it takes effect. The delay is often due to the legislation being only a broad framework to which a…

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House prices versus inflation

Bricks and mortar are not always a sure-fire winner. From January 2016 to January 2026, did house prices grow faster than inflation? The answer is in the graph below.     Source: Nationwide,…

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Are today's mid-lifers facing a future retirement crisis?

New research reveals that five million mid-lifers, aged 40–54, face a difficult retirement. The retirement landscape in the UK has changed significantly over the last 50 years: In 1978, the State pension…

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Weighing up the incentives and disincentives of your tax bill

Just how much is tax disincentivising you? The latest Economic and Fiscal Outlook from the Office for Budget Responsibility (OBR) had some disconcerting words to share. Published alongside the Chancellor’s Spring…

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A noisy first quarter but what are the results?

Investment markets reacted sharply to Donald Trump’s Iran ‘excursion’ in March, but over the quarter there was not as much change as the headlines might have made you…

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It's not just how long you live...

New research from the Office for National Statistics casts a different light on life expectancy. Source: ONS “How long am I going to live?’ is one of those questions that we tend to pay more attention…

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The case of the missing pension tax relief

Are you missing out on tax relief for your pension contributions? A ‘Supplementary forecast information release’ from the Office for Budget Responsibility (OBR) on ‘Costing of charging NICs on salary…

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