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8 November 2018

Second Charge Mortgages

Second charge mortgages are often called second mortgages because they are a secured loan used to raise extra money, instead of remortgaging or taking out a personal loan. Second charge mortgages use the borrower’s home as security. “The second charge mortgage market has reported new business growth in six out of eight months so far […]

6 November 2018

Just one in three plan to talk to IFA about retirement options

“FT Adviser reports that “”Just one in three plan to talk to IFA about retirement options””. With a changing state retirement age and the introduction of pension freedoms the options available to individuals regarding their pension have become more complex. We were saddened to hear how few people are talking to advisers and missing out […]

5 November 2018

Let’s Talk Pensions

FT Adviser reports that “Just one in three plan to talk to IFA about retirement options”. With a changing state retirement age and the introduction of pension freedoms the options available to individuals regarding their pension have become more complex. We are increasingly seeing people who want to understand when they can retire and what […]

3 November 2018

Fibre-to-the-Premises in Coventry

We were delighted to see that work on the national Fibre-to-the-Premises project is now under way in Coventry. “The initiative aims to bring full fibre, and therefore superfast broadband, to up to one million UK premises by 2021 in partnership with Vodafone.” “As one of the first cities in the UK to benefit from the […]

3 November 2018

Lasting Power of Attorney Investigation

Moneywise reports research from Royal London that the number of investigations into lasting powers of attorney soar. They reported “The number of investigations into the actions of attorneys and deputies who have been given the responsibility to manage an individual’s finances or make decisions on their behalf has soared by 45% in the past year.” […]

31 October 2018

Working 9-5pm

The Spectator reports “The idea of working 9-5 until you receive a gold watch at age 60 is dying out fast. Millennials seem to have the biggest millstone around their neck: a survey of under-35s by Prudential found that over a third of millennials believe that, despite saving as much as they can, they are […]

26 October 2018

Succession rights for cohabiting couples

Cotswold are members of the Society of Will Writers and we are sharing a story on their website relating to the succession rights for cohabiting couples? “The judgement for Banfield v Campbell [2018] EWHC 1943 (Ch) was handed down, with the result being that the claimant was awarded a life interest in half of the […]

23 October 2018

Turnaround Time

The BBC reports “After Andy Scott’s property chain went bust, he started out again taking over so-called “distressed businesses”, that is, firms on the verge of going bust. His secret is that many troubled firms have bright futures if you have the patience to turn them around.” See the video here https://www.bbc.co.uk/news/av/business-45287808/businesses-don-t-fail-people-do

22 October 2018

What happens without a Power of Attorney?

If you do not have Properties and Affairs LPA, your bank account might be frozen, meaning that your business partner, spouse, children or other family members and close associates will not have access to the capital they need to pay for necessary medical or legal bills, as well as potential funeral costs. With no Health […]

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