Buying a home – what do I need to know?

03/06/2024

Buying a home – what do I need to know? 
Whether you live with family and friends or rent, owning your own home can be a big step – often the biggest purchase many make in their lifetimes, and a set goal which many save towards and strive for.
When considering your home purchase, there will be lots of different professionals involved – estate agents, surveyors, mortgage brokers, bankers and solicitors may be some of the people who you will deal with over the course of the purchase.
  It is easy to forget that all of these people will need paid, along…

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Quote of the Day 2

27/05/2024

 “Don’t find customers for your products, find products for your customers.”
– Seth Godin, author and entrepreneur.

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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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