Data released by Scotland’s largest health board has highlighted the potential challenges families could face if a loved one doesn’t have a Power of Attorney in place. According to a BBC report, in NHS Greater Glasgow and Clyde, a third of patients who are delayed getting out of hospital…
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Are you planning a city break this summer? With so many destinations to choose from and pros and cons to weigh up, deciding on a location might feel overwhelming. Luckily, Which? recently released the results of a survey where they asked over 1,500 members to rate their experiences of…
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This guest blog was written by Chris Budd who wrote the original Financial Wellbeing Book, and also the Four Cornerstones of Financial Wellbeing. He founded the Institute for Financial Wellbeing, and has written more than 100 episodes of the Financial Wellbeing Podcast. One would imagine that the way we spend money makes us happy. However, this…
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This guest blog was written by Chris Budd who wrote the original Financial Wellbeing Book, and also the Four Cornerstones of Financial Wellbeing. He founded the Institute for Financial Wellbeing and has written more than 100 episodes of the Financial Wellbeing Podcast. Our approach to money can be a great enabler of wellbeing. It can help…
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Periods of volatility in markets can feel unsettling, particularly when the news headlines remain relentlessly negative. On any given day, a company’s share price essentially reflects two things. Firstly, the consensus view of the value of future cashflows, whether such profits are paid out to shareholders as dividends, or reinvested to continue growing the business. And secondly, what is known…
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After Rachel Reeves’ impactful first Budget in autumn 2024, you might have been concerned about the announcements that would be included in her Spring Statement on 26 March 2025. Reassuringly, the major headline from this year’s springtime fiscal event is that Reeves made few announcements that are likely to affect you and your personal finances directly. Although, it did reveal…
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This shiny metal always glistens most brightly when it has just risen in value. In the past 12 months, the price of gold has nearly doubled. Recency bias and the fear of missing out (FOMO) always results in ‘should it be in my portfolio?’ type questions. Somewhat bizarrely, investors tend to get excited about assets that have already risen in…
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This guest blog was written by Chris Budd who wrote the original Financial Wellbeing Book, and also the Four Cornerstones of Financial Wellbeing. He founded the Institute for Financial Wellbeing and has written more than 100 episodes of the Financial Wellbeing Podcast. Money holds an important role in all our lives. Whether it is enabling transactions,…
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When you’re making large financial decisions, basing them on facts and logic could help you choose the option that’s best suited to your needs. Yet, even when you take this approach, cognitive biases may affect the conclusions you draw. Over the last few months, you’ve read about how past experiences and emotions might affect your financial…
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A combination of rising rates and panic ahead of the current government’s first Autumn Budget has led to HRMC collecting a record amount in Capital Gains Tax (CGT) towards the end of 2024. According to a report in the Telegraph, between July and November 2024, CGT generated more than £1 billion for…
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