Kym Laxy from Mortgage Advice Bureau Elgin joins us to look at mortgage options for those with blips in their credit history. It is important to take professional advice before making any decision relating to your personal finances. Information within this podcast is based on our current understanding and can be subject to change without notice and the accuracy and completeness of the information cannot be guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of t ..read more

We look at the different types of credit cards available and how they work. We cover cards for purchases, balance transfers, repairing your credit rating, reward cards and cashback cards. We cover the benefits of credit cards and also look at potential pitfalls. It is important to take professional advice before making any decision relating to your personal finances. Information within this podcast is based on our current understanding and can be subject to change without notice and the accuracy and completeness of the information cannot be guaranteed. It does not provide individual tailored i ..read more

Phil and John look at the differences between active and passive investing. During this podcast they look at the differences between the two and the pros and cons of each approach. It is important to take professional advice before making any decision relating to your personal finances. Information within this podcast is based on our current understanding and can be subject to change without notice and the accuracy and completeness of the information cannot be guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for ..read more

What could be the best investment for you? This week Andrew Scouller steps in for Phil and he looks at property and pensions. Areas covered include taxation, tax reliefs, costs and past performance. It is important to take professional advice before making any decision relating to your personal finances. Information within this podcast is based on our current understanding and can be subject to change without notice and the accuracy and completeness of the information cannot be guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume l ..read more

We look at whole of life insurance and the differences between this and term cover. We look at reasons why you would consider this type of plan and discuss inheritance tax planning and paying for your funeral. It is important to take professional advice before making any decision relating to your personal finances. Information within this podcast is based on our current understanding and can be subject to change without notice and the accuracy and completeness of the information cannot be guaranteed. It does not provide individual tailored investment advice and is for information only. We cann ..read more

John and Phil look back at some of the podcasts that they recorded in 2022. They look at the most popular topics covered including Buy to Let and Financial Planning for Beginners. It is important to take professional advice before making any decision relating to your personal finances. Information within this podcast is based on our current understanding and can be subject to change without notice and the accuracy and completeness of the information cannot be guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for ..read more

Government figures showed 500,000 people withdrew £3.6billion from their pension pots between March and xMay 2022. Is it a good idea to draw money from your pension pots? What are the tax implications? What are the pros and cons of doing this? - Just some of the questions we look at on this week’s podcast.  It is important to take professional advice before making any decision relating to your personal finances. Information within this podcast is based on our current understanding and can be subject to change without notice and the accuracy and completeness of the information cannot be gu ..read more

As the New Year approaches we look at getting your finances ready for 2023. We discuss goal setting, budgeting, New Year resolutions, wills, using your allowances and key dates for the year ahead.  It is important to take professional advice before making any decision relating to your personal finances. Information within this podcast is based on our current understanding and can be subject to change without notice and the accuracy and completeness of the information cannot be guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assu ..read more

Phil and John look at the recent budget and go through the various changes to income tax, capital gains tax and pensions. It is important to take professional advice before making any decision relating to your personal finances. Information within this podcast is based on our current understanding and can be subject to change without notice and the accuracy and completeness of the information cannot be guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this ..read more

Healthy eating is important and doesn’t need to be expensive. On this podcast we look at ideas to help you eat well and keep costs down. Disclaimer It is important to take professional advice before making any decision relating to your personal finances. Information within this podcast is based on our current understanding and can be subject to change without notice and the accuracy and completeness of the information cannot be guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might ..read more