If you run your own business, there’s a good chance you’ve never been busier. And trying to navigate the choppy waters of the pandemic might well have been tough for all sorts of reasons. Perhaps you’ve had to furlough staff and keep a tight rein on costs as restrictions took their toll? Or maybe you’ve
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A couple of months ago, we were discussing the differences between financial advice and financial planning. One of the key points from that discussion can be summarised as: If the first question you’re asked is about your money, you’re probably talking to a financial adviser If the first question you’re asked is about your life,
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Your 55th birthday, rising to 57 in 2028, often marks being able to access your pension for the first time. The opportunity to take a 25% lump sum tax-free is certainly attractive and can be too tempting to resist. But it’s not a decision to take lightly and it isn’t the right move for everyone.
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There are many things that we may want to leave to our loved ones when we pass away, from fond memories to heirlooms, but the one thing we don’t want to pass on is a hefty Inheritance Tax bill. To avoid what is commonly called ‘Britain’s most hated tax’, many people set up trusts without
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There’s a well-known condition called DOMS – delayed onset muscle soreness. Muscle size increases when a person continually challenges the muscles to deal with higher levels of resistance or weight. This process is known as muscle hypertrophy, and it occurs when the fibres of the muscles sustain damage or injury. The body repairs damaged fibres
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