To produce the best cake, dinner or sweet you need a mix of ingredients in the right amount, with the right individual attention given to each. A recipe for planning would include taking care of the essentials to protect the livelihood of you or your loved ones, be that life insurance, critical illness, income protection,
At boiling point one goes soft, the other hard. Under the same circumstances different people act in different ways, which is why the world is made up of different people. This all starts with the “fight or flight” syndrome that existed in cavemen. Which reminds me of the story of two men being chased by
An individual’s wealth usually increases over the decades and most people hope to have something to pass on to the next generation. This normally happens on death, but because people are now living longer, this means an inheritance is often received after the time when it would be of most use. The worry is that
Whether you are born in to wealth, create your own or inherit it, will have a major influence, not only on how you see the world but on how you act within it. What you perceive as normal varies from your own position. Sometimes we need to look at things from a different angle. Most
The budget is planned for 3rd March, but due to Covid, we can expect it to be a little different this year. The country is deep in debt, and this is likely to grow until some normality returns to Gross Domestic Product (GDP). The Chancellor has indicated that now is not the time for tax
Coronavirus has a lot to answer for. It has taken the lives of loved ones who are likely to have lived a happy life for many years to come. Hearing the daily figures on how many have died becomes a figure we expect to see, and if it goes down for a day we are
We are the product of our behaviours and it can be difficult to change, even if you want to. For many they will be happy as they are, regardless of what change could achieve. It’s not my place to make people change, I can, however, help if that’s what people want. So let’s look at
Do you have a pension old or new, or perhaps one that you are drawing down on? The rules changed in 2015 to assist with who can benefit in the event of your demise before you access the pension(s), or before the funds are used up. This, however, does not mean your pension(s) include the
Unless you are born with a certain destiny, like perhaps Prince Charles was born to be King, there has been no real plan from when you were born to where you are today. Our parents and teachers have helped protect and guide us along the way, and helped give us the tools to start out
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