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Insight Financial Associates

Save money at Christmas

4 ways to save at Christmas without being a Scrooge

With your Christmas preparations, starting soon is the key to saving money. If you leave your shopping to the last minute, not only do you have to face the 23rd December high street chaos, you’ll miss out on the excellent deals that many retailers offer early in the festive shopping season. It’s incredibly easy to …

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5 key budget takeaways

5 key budget takeaways

This year Chancellor Philip Hammond delivered his autumn budget a few weeks earlier than usual. Normally the budget is released in mid-November, but this year he gave the budget on 29 October. In the run up to Brexit, Hammond didn’t release any huge announcements. Perhaps he wants to leave plenty of room to accommodate for …

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3 pension changes

3 pension changes you may have missed in the budget

There was scarcely a mention of the ‘P’ word in October’s Budget speech (believe us, we were listening closely for it!). Instead, Hammond used the Budget speech as an opportunity to unveil his ‘rabbit in the hat’ changes to income tax thresholds, an increase in NHS mental health funding and a ban on future PFI …

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November Market Commentary

November Market Commentary

Introduction October was, to put it mildly, an eventful month. It was a month which saw the majority of markets on which we report down steeply, as fears of higher interest rates in the US combined with worries about the US/China trade war. There was, however, one market that went up sharply: Brazil elected a …

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Financial Market

August Market Commentary

The news in July really could not have been much worse. The threat of a trade war between the US and China simmered throughout the month, and then on 31st July President Trump ramped up the tension with proposals of a 25% tariff on $200bn (£152bn) of Chinese imports. China has already placed retaliatory tariffs …

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Life begins at 40

Financial Planning in your forties

It’s a well-known fact that life begins at forty. Doesn’t it? It should be an exciting decade, full of plans and aspirations. It’s also likely to be a time of optimum earning potential. What’s more, it’s a crucial decade to take a step back and make sure your finances are on track to meet your …

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ISA

The end of LISA?

Time to get your lifetime ISA before it disappears? The new girl on the block, in terms of saving products, seems like she may not actually be around for much longer. LISA, or the lifetime ISA, is being threatened with abolition by a Treasury committee, having only been on the market for 16 months. The …

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Interest Rates

Interest Rates Rise

What does this mean? The Bank of England has raised interest rates from 0.5% to 0.75%, only the second rise in a decade. Currently, interest rates stand at their highest since 2009 and reflect what the Bank of England perceive as a general pick-up in the economy. The Bank said that a rise in household …

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