I love listening in to conversations in shops when other customers are complaining. Some of the statements I hear shop staff coming out with are so ridiculous that it takes me all my time to hold back and not get involved. Most of us think that the staff behave like this because they have instructions from their managers not to…
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“My Business is my pension” is one of these oft-quoted excuses among business owners and entrepreneurs for their lack of serious pension planning. It may well be a valid excuse for many, on the basis that their reason for setting up a business is to have something to sell ten or twenty years down the line. But what if you…
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It’s not easy to prioritise when lots of people are shouting for their money back, and the temptation is often to pay the person who shouts loudest first. That’s rarely a great idea, since the person who shouts loudest often only does that because there is nothing else for them to do. Let’s say you’re in debt to your credit…
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Mortgage rates are reaching record lows, with some lenders offering loans with rates of less than 1%. While this seems like great news for borrowers, it’s more important than ever to look beyond the headline interest rate and study the small print to make sure that a loan that looks attractive doesn’t contain hidden penalties or costs that might make…
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