Is franchising fit for purpose?
21 Sep 2020
As the Government confirms extended support for rail companies, some question if the franchise system is the worst of all worlds
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21 Sep 2020
As the Government confirms extended support for rail companies, some question if the franchise system is the worst of all worlds
BBC News24 Aug 2020
Mixed messages on retail shopping but hope for the High Street .
bbc.co.uk17 Aug 2020
In general unemployed people over the age of 50 are twice as likely to be out of work for 12 months or longer, compared to those younger than 50.During the pandemic, women aged over 50 have been hit hardest, with nearly 100,000 leaving the workforce entirely. Being forced into retirement like this is not something that can be predicted however, planning for a comfortable retirement is something we can help with.
bbc.co.uk3 Aug 2020
London is still pulling ahead of the rest of the country in wealth, health and education, the IFS warns. The difference between wages in London and the UK at large has shrunk but, there are still big gaps in both earnings and productivity.
bbc.co.uk28 Jul 2020
Tim Davison, Chartered Financial Adviser for Shaw Gibbs Financial Planning has achieved the SOLLA Later Life accreditation, the Highest Standard for advice in the Later Life Market. The Society of Later Life Advisers (SOLLA) helps people and their families in finding trusted accredited financial advisers who understand financial needs in later life.
shawgibbs.com29 Jun 2020
Under the new proposals, customers who are yet to request a payment freeze or an arranged interest-free overdraft of up to £500 will have until the 31 October to do so. For those who have already taken up support and are still experiencing temporary payment difficulties due to the Pandemic,
shawgibbs.com7 May 2020
The UK’s community of Certified Financial Planner (CFPTM) professionals has come together to offer their advice pro-bono in a series of money guides for the consumer, published by the Chartered Institute for Securities & Investment (CISI). The guides, which Shaw Gibbs contributed to contain tips from CISI’s CFPTM members on managing finances during the coronavirus pandemic.
shawgibbs.com15 Apr 2020
The Financial Conduct Authority (FCA) has confirmed a package of temporary measures to help people with some of the most commonly used consumer credit products. Following a short consultation the FCA will be going ahead with the proposals which will give firms the flexibility under the FCA rules to provide temporary financial relief to those facing payment difficulties during the COVID-19 pandemic.
shawgibbs.com30 Mar 2020
It is disappointing that we have to warn people to beware of new scams which are surfacing as some try to take advantage of this pandemic in order to try and steal from those worried about their health or finances. One to watch out for is what appears to be a message from the Government offering £258 to everyone as COVID-19 RELIEVE and an apparent Council Tax web page.
shawgibbs.com24 Mar 2020
In the last few weeks we have seen falls in stockmarket levels which have little parallel within the last 20 years, and that includes the financial crisis. A combination of 10 years general growth in stockmarkets followed by COVID-19 and an oil price war have fuelled fear around the world. By the time those selling out of the market reacted the vast majority were already behind the curve; many will have been tempted to buy back in with each spike since, afraid that they would miss the recovery; many will then have sold again when markets continued to fall.
shawgibbs.com11 Mar 2020
The Bank of England has announced an emergency cut in interest rates to shore up the economy amid the coronavirus outbreak.
bbc.co.uk17 Feb 2020
Possible delay to the Budget following Sajid Javid’s resignation
bbc.co.uk10 Feb 2020
With Shaw Gibbs hosting MIND for a Wellbeing Day this week, one of the issues we will be addressing is Financial Wellbeing
BBC13 Jan 2020
The Commons voted 330 to 231 in favour of the Withdrawal Agreement Bill and it will now pass to the House of Lords for further scrutiny next week.
BBC3 Jan 2020
France's transport strike against pension reform has entered its 29th day, making it the longest rail workers' strike since May 1968.
BBC16 Dec 2019
As the country contemplates the election results, people's thoughts will turn to the potential effect on their finances.
BBC15 Oct 2019
The Budget has been announced for 6 November, with Chancellor Sajid Javid saying it will be "the first budget after leaving the EU".
BBC24 Sep 2019
Thomas Cook has collapsed after last-minute negotiations aimed at saving the 178-year-old holiday firm failed.
BBC News19 Aug 2019
History has to be against the Chancellor given previous attempts to do so have ended up with more not less complexity.
BBC13 Aug 2019
Wage growth in the UK reached an 11-year high in the year to June, and the employment rate was its joint highest since 1971, official figures show.
BBC News8 Jul 2019
It’s a problem faced not just by doctors however, the NHS depends so much on doctors doing overtime that the impact of the Tapered Annual Allowance is hitting us all.
BBC10 Jun 2019
The boss of broker Hargreaves Lansdown has issued an apology following the suspension of a fund it sells.
BBC6 Jun 2019
People with pensions and savings invested in Neil Woodford's now suspended flagship fund have expressed concern over how it was promoted.
BBC3 Jun 2019
If it sounds too good to be true it probably is, especially if you’re being cold-called about it
BBC News13 May 2019
Planning on somebody dying to provide a house deposit is never a good way to start out
www.bbc.co.uk15 Apr 2019
Rediscovering the savings culture means making it about what your money will do for you
BBC1 Apr 2019
Thousands of first-time investors who lost their savings through investment with London Capital & Finance (LCF) are unlikely to qualify for compensation.
BBC News13 Mar 2019
Consumers conned and FCA failed to act and yet there are more firms out there marketing these sort of false promises.
bbc.co.uk31 Jan 2019
FCA recognise some of the risks inherent in the Government’s dash to pension freedoms
BBC.co.uk22 Jan 2019
Whether for pensions or investments invariably a cold call is not for your benefit so it’s good to see action being taken given the level of scams involving pensions.
BBC.co.uk16 Oct 2018
One in seven people have lost track of their money sitting in savings accounts or pensions - with half blaming lost passwords, a survey suggests. Some 52% of those asked who had lost track of their funds suggested it was the result of a forgotten password.
BBC.co.uk19 Sep 2018
The average amount that savers with income-drawdown plans withdrew from their pensions rose sharply last year, prompting new concerns that people could run out of money in retirement.
www.moneyweek.com1 Sep 2018
Muddled thinking however, without the relief, pension savings will fall whilst tax is then due on pension withdrawals.
theguardian.com29 Aug 2018
Given that the highest we’ve seen was 54 times, there could be some truth to this
bbc.co.uk8 Aug 2018
Interest rates raised by 0.25% but, unless you have a tracker or Standard Variable Rate Mortgage, will you notice any difference?
bbc.co.uk26 Jul 2018
Inflation remained at 2.4% for the third month in a row in June, according to the Office for National Statistics
bbc.co.uk9 Jul 2018
More people in work but individual productivity still stagnant around the same levels as 2008
bbc.co.uk28 Jun 2018
Is an Interest Rate rise closer than we thought?
bbc.co.uk19 Jun 2018
Most Plan holders will now qualify for a windfall, however they will need to be patient as the sale completes
bbc.co.uk1 Jun 2018
The prospect of an EU/UK/Canada v US trade war is not something to look forward to
bbc.co.uk29 May 2018
Italian politics hits investments and may have a part to play in how good or bad Brexit is
bbc.co.uk23 May 2018
Surely by 65 you have earned the right not to pay National Insurance – or should you?
moneyweek.com16 May 2018
Surely this also raises questions about all the investment managers who bought Carillion?
huffingtonpost.co.uk3 Apr 2018
A teenage Canadian lottery winner had a choice of C$£1,000,000 or c$1,000 per week for life.
bbc.co.uk19 Feb 2018
Fraudsters are “cloning” well known investment companies
thetimes.co.uk7 Feb 2018
Responsible lending or protecting against potential losses? As the value of digital currency Bitcoin fluctuates, Lloyds Bank have banned their customers from using credit card debt as a method for purchasing;
bbc.co.uk30 Jan 2018
Pensions continue to attract unwanted attention so watch out for anything unusual or too good to be true.
bbc.co.uk8 Jan 2018
With stabilising housing prices and interest rates still low, is now the best time to buy?
bbc.co.uk18 Dec 2017
If you think pensions are complicated enough, be glad you are not a Scottish taxpayer.
scotsman.com4 Dec 2017
A warning to all those who plan to spend more than they earn in December, before relying on a good credit card balance transfer deal in January.
bbc.co.uk2 Dec 2017
Transfer values are likely to continue to reduce as gilt yields improve on the back of interest rate rises
telegraph.co.uk6 Nov 2017
Should you remortgage while interest rates are still low - even with an early repayment charge to pay?
theguardian.com4 Oct 2017
Given that auto enrolment works mainly because of the employer contribution, auto enrolment for the self-employed is a chocolate teapot.
professionaladviser.com22 Sep 2017
If it looks too good to be true it generally is – be careful chasing returns if you don’t want the risk that goes with it
www.telegraph.co.uk19 Sep 2017
As life expectancy increases, the Government need to put more money into the state pension fund and individuals need to save more if we are to retire on time.
bbc.co.uk11 Sep 2017
Earlier retirement and longer life expectancy works OK so long as you know how you’re going to pay for it
bbc.co.uk5 Sep 2017
A new way of raising investment funds for start ups, an alternative to raising money via initial public offerings.
bbc.co.uk26 Jul 2017
Leaseholders are now being charged large sums of ground rent on their properties, which has led to government proposing a ban on new houses being sold as leasehold.
www.guardian.com19 Jul 2017
The rise in pension to 68 has been brought forward from 2044 as was originally proposed. Such changes will affect those currently between the ages of 39-47.
www.bbc.co.uk10 Jul 2017
Warren Buffet agrees that in the main, index-funds are the way to go
thestreet.com30 Jun 2017
What do the Bank of England's new rules on mortgages mean for you?
telegraph.co.uk12 Jun 2017
Instead of optimism from returning to a sitting Conservative Government with an increased majority, June has given us greater uncertainty and a dip in confidence – what a difference a May makes !
bbc.co.uk24 May 2017
Once upon a time the banks were considered a safe haven for small investors – for anyone considering investing into individual shares, this is a salutary tale of how all shares are inherently risky no matter which company they are in.
bbc.co.uk8 May 2017
Despite good investment returns over the last few years, this article demonstrates how difficult it remains to fund the high pension promises of the past.
bbc.co.uk2 May 2017
According to new research, the ‘Bank of Mum & Dad’ is one of the biggest mortgage lenders.
theguardian.com18 Apr 2017
The snap election announcement could cause market volatility, so what should investors do?
yourmoney.com4 Apr 2017
As US rates rise and the UK savings ratio continues to fall, the future for investments becomes even less certain.
bbc.co.uk27 Mar 2017
Deadline for increasing your State Pension looms but buying an increase may not be the best thing to do.
bbc.co.uk23 Mar 2017
Under 30 and don’t want to work into your 70’s? You’ll need to rely on your private pension and not the State.
bbc.co.uk20 Mar 2017
This is a great example of the irrational nature of markets. Given that we have known for some time that May would trigger Article 50 by the end of March, what rational reason can there be for a sharp drop in sterling when it happens? Did currency traders think it wouldn’t and are surprised?
bbc.co.uk13 Mar 2017
Despite changes to dividend allowance, we hold the same review as written in our investment articles last week – to gain the best advantage, consider which assets go into which tax wrapper.
bbc.co.uk10 Mar 2017
Buy for Uni, one method of buying property whilst studying or assisting those who are.
theguardian.com7 Mar 2017
A number of tax changes have had a big impact on those with investments in the last year. Read on to find out the key developments.
shawgibbs.com8 Feb 2017
Landmark ruling could see unmarried partners be able to claim spouse’s benefits from pension schemes. Being able to prove financial inter-dependency appears to be key here so having a joint bank account could prove very valuable indeed.
bbc.co.uk31 Jan 2017
Mortgages are getting more complex to arrange but what if you have a mortgage under old rules and your lender won’t let you remortgage to a lower deal, that would save you money each month? In a recent case the Financial Ombudsman has said this is punishing borrowers.
telegraph.co.uk16 Jan 2017
So the uncertainty created by Brexit continues to be “good” for UK investors as markets will no doubt continue to forge ahead as sterling’s decline benefits major companies with earnings primarily in USD.
bbc.co.uk12 Jan 2017
Not always easy to look this closely at yourself but if you recognise yourself as one of these types that could make a big difference.
ft.com16 Dec 2016
The world is changing – the established order is under threat, one such example is the traditional auto industry. How would your investment portfolio adapt to these trends, is it futureproof?
bbc.co.ukIf you have been affected by any of the topics mentioned above then please get in touch via email or ring a member of our team on 01865 292 200.