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The new Brexit date is set on October 31. The scenario under which the UK will exit the EU constitutes a major source of uncertainty. UK Prime Minister Boris Johnson previously noted that Britain will leave the European Union even if it does not succeed in reaching an agreement with its former allies. While there […]

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Here is what  Melanie Wright – Independent Money Mentor thinks about savings and investment and when to apply them.  Original article link: https://uk.virginmoney.com/virgin/living/article/should-i-invest-in-the-stock-market-or-save/ If you’re new to investing, the stock market can seem like a pretty scary place. After all, you’ve probably heard all those warnings about how investments can fall as well as rise, and how you could […]

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Let’s say you want to retire in 20 years, and also you want your children to go to university as well as to have a certain level of passive income after your retirement. Here is where a financial advisor comes in. Professional advisers can help you in attaining your targets, their experience in the financial […]

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Insurance – any kind of it – is aimed at mitigating the grief, frustration, and disappointment from something not going to plan. Whether it is an accident, investments underperformance or a health issue, insurance companies have usually got your back. Nevertheless, providing cash compensation at your time of need is not the sole benefit the […]

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Not long ago, the UK government started advertising its program to encourage families to save for their children’s future. The name of the program is Junior ISA – Individual Savings Account.  It starts off just like your ordinary savings account – you put the money in and get a guaranteed interest rate. However, the savings […]

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From an early age, you know that there will come a time in your life called “retirement” and that with it comes this apparently friendly thing called a pension. Throughout your education and career, you learned that it is something for which you need to prepare and save up – but have you ever really […]

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Talking about money isn’t always the simplest of things and it only becomes harder when we have to talk about it with someone we care about. Asking your grandmother whether she included you in her will, asking your father to buy himself life insurance, asking your sister whether she would mind selling her share of […]

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Many people hesitate before taking on a mortgage, thinking they’re practically giving the bank free money. If you take out a loan of £200k at an interest rate of 3.5% for 25 years, you end up paying the bank £300k – and many people would view it as giving the bank £100k of free money, […]

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The simple answer is – pretty much everything. Taking on a mortgage is a big decision with impactful consequences and you need to be as rational and cold-blooded about it as possible. There are many seemingly attractive offers on the market and in most cases it is very hard to know where the pitfalls lie before it […]

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Undoubtedly, paying for a mortgage is a huge burden. Financial experts suggest not taking one on if the monthly payment is greater than 50% of your monthly salary. Sooner or later, and there’s plenty of data to support this, you will lose control over your payments. What’s more – most wages are not rising in line with […]

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