Introduction October was, to put it mildly, an eventful month. It was a month which saw the majority of markets on which we report down steeply, as fears of higher interest rates in the US combined with worries about the US/China trade war. There was, however, one market that went up sharply: Brazil elected a new president – a man who, I suspect, will feature prominently in future commentaries. In the UK, the Prime Minister survived the latest round of calls for her head, and the Chancellor delivered his Budget a month earlier than everyone had expected. The trade war Read More

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This year Chancellor Philip Hammond delivered his autumn budget a few weeks earlier than usual. Normally the budget is released in mid-November, but this year he gave the budget on 29 October. In the run up to Brexit, Hammond didn’t release any huge announcements. Perhaps he wants to leave plenty of room to accommodate for any Brexit inconveniences. However, there were some important takeaways. UK growth projections altered The independent Office for Budget Responsibility increased its projections for UK GDP growth. They raised next year’s forecast from the figure of 1.3% they gave in March to 1.6%. Because of bad Read More

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It’s not difficult to see why Briton’s find buying a property abroad so attractive. High house prices, a temperamental climate and long working hours in the UK can make buying a property abroad seem like a highly desirable option. Whether for a holiday property or somewhere to live long term, here are our top places to buy a home abroad in 2018. Spain Although buyers have fallen over the last few years, Spain remains Britain’s favourite place to buy property abroad. Spain has a well-established expat community and a warmer, drier climate than the UK (although central Spain is surprisingly Read More

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The Institute of Fiscal Studies suggests that the average total debt incurred by today’s university students over the duration of their studies will amount to £51,000. This figure comes as those in higher education saw the interest rate on student loans rise to 6.3% in September. Total student debt in the UK has now risen to £105 billion as of March 2018, a figure £30 billion higher than the nation’s total credit card debt. The rising cost of higher education perhaps makes it unsurprising that 40% of parents are now beginning to save towards future university costs before their children have Read More

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Taking out health insurance is a big financial commitment. However, private healthcare is an attractive option to some because it allows you increased choice, private hospitals, reduced waiting times and more personalised care compared to free NHS treatment. Private treatments can be costly if you don’t have insurance. As with all types of insurance, the level of cover you get depends on the policy you take out. You don’t want to be left in the unfortunate scenario of finding out that the private healthcare you’ve been paying for doesn’t actually cover you for the treatment you need. Thankfully, in this Read More

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