Every Budget season, the headlines heat up: “X tax is going up,” “Y allowance is on the chopping block,” “Changes could be effective immediately.” It’s natural to feel the urge to “do something.” But acting on speculation about what a Chancellor might announce, and when any change would actually take effect, is just another form
Read more
Most of us want to make life easier for the people we leave behind. Yet when someone dies, families often face not just grief but a mountain of admin, confusion, and stress. That’s where a simple “When I Die” list comes in. It isn’t morbid. It’s an act of care that can bring you and
Read more
If you own global investments while living in the UK, you take two rides at once: the ups and downs of the assets themselves and the zigzags of the currencies they are priced in. That “FX” second ride can quietly amplify or offset returns, and it also shows up in day-to-day life through the price
Read more
