Should I save or invest my money?

20/05/2024

 Should I save or invest my money?
It’s always a sensible idea to think of your future finances, but the trouble for most people is deciding between whether to save their money or to invest it.
Saving typically involves putting money aside to pay for something specific, such as a house deposit, holiday or to have in the event of an emergency, like a car crash.
Savings are typically held in banks, building societies or even your personal piggy bank at home.
Investing on the other side is the process of buying stocks, property or shares in the hope that they will increase in value…

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Quote of the Day

13/05/2024

 “Success is the ability to go from failure to failure without losing your enthusiasm.” – Winston Churchill

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Why Save into a Pension?

06/05/2024

Why Save into a Pension?
Pensions might seem complicated, but the basic idea is a simple one. It’s worth understanding the benefits of saving into a pension scheme, because your State Pension – while providing a foundation – may not be enough to live on. Call into one of our branches today to receive expert pension advice!
Did you know?
The maximum State Pension is a lot less than the amount most people say they hope to retire on – for 2024/25 it’s just £221.20 per week. Millions of people aren’t saving nearly enough to give them the standard of living they hope…

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Quote of the day 2

29/04/2024

“The first step is to take one” – Black & Reid (Stationary book)

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Tax Year Beginning

22/04/2024

Tax year beginning.
The ISA Deadline for the tax year 2023/24 has ended, meaning there is no better time to begin planning for the tax year 2024/25.
What is an ISA?
ISA stands for Individual Saving Account; it is a savings account in which you can deposit up to £20,000 each year with no tax penalty on withdrawals or capital gains. Some ISA accounts also offer benefits to those saving for retirement or buying their first home.
Call us today on 028 9332 2822 for a coffee and an initial consultation, on us, to see if we can help you make your money work…

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Quote of the day

15/04/2024

 “Whether you think you can or think you can’t, you are right” – Henry Ford

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“We all want quiet. We all want beauty. We all need space.” – Octavia Hill, co– founder of National Trust 1883

25/03/2024

 “We all want quiet. We all want beauty. We all need space.”  – Octavia Hill, co– founder of National Trust 1883
The National Trust is the UK’s biggest conservation charity seeking to preserve the beauty and history of the UK. They seek to provide historic sites, beautiful landscapes and the vast countryside to the general public so that all have access to quiet, beauty and space.
They currently care for 780 miles of coastline, 250,000
hectares of land as well as 500 historic buildings, including parks and gardens and around a million works of art.
One key place they oversee in Northern Ireland is Florence…

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“Despite a voluminous and often fervent literature on “income distribution,” the cold fact is that most income is not distributed: It is earned.” ― Thomas Sowell

18/03/2024

 “Despite a voluminous and often fervent literature on
“income distribution,” the cold fact is that most income is not distributed: It is earned.”
― Thomas Sowell

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Labour abandons £28bn green energy spending.

11/03/2024

Labour abandons £28bn green energy spending.

This has come after a lot of confusion regarding Labour’s position on their £28bn pledge as several ministers refused to discuss the figure whilst the party leader; Keir Starmer used it wildly.
Labour was, and may still be, intending to establish a publicly owned green energy company and was previously suggesting an increase of annual green energy spending to £28bn (up £20bn from the current £8bn per annum). However, they have recently backtracked due to several reasons.
The main reason was their lack of historical economic credibility, this is even acknowledged by Labour themselves. Hence, they wish…

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“The Seven Social Sins are: Wealth without work. Pleasure without conscience. Knowledge without character. Commerce without morality. Science without humanity. Worship without sacrifice. Politics without principle.” From a sermon given by Fred

04/03/2024

 “The Seven Social Sins are:
Wealth without work.
Pleasure without conscience.
Knowledge without character.
Commerce without morality.
Science without humanity.
Worship without sacrifice.
Politics without principle.”
From a sermon given by Frederick Lewis Donaldson in Westminster Abbey, London, on March 20, 1925.
 

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