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Funeral Planning

Funeral Planning

Can you afford to die? Although not traditionally associated with jollity, for those who like to have the last laugh, a funeral may offer the perfect opportunity. It’s becoming increasingly popular to use humour during services to reflect the personality of the...

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Omnis Market Update

It was the Bank of England’s turn this week to raise interest rates aggressively, following aggressive hikes by the European Central Bank and the Federal Reserve in recent weeks. Strong jobs data coming out of the US suggests that central banks may have to continue...

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Home Insurance – Contents vs Buildings Insurance

Home Insurance - What you need to know One wet and windy evening, Rachel and Nathan decided to take advantage of their newborn, Eli, falling asleep in his moses basket by getting an early night. Gently picking up the basket from its regular spot in front of the...

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Budgeting

Budgeting tips for saving money while making your life better Whether you want to go on holiday or just want to save some money for the future, budgeting is a good way to put aside some money for reaching this goal. Here you can find some tips to help you take control...

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Omnis Market Update

Despite the Federal Reserve raising interest rates aggressively, global investor sentiment was boosted by the fact that in the face of a slowing economy, the Federal Reserve in the US could slow down its interest rate rises from here. The focus around the world stays...

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Investing for your children’s future

As parents to four children ranging in age from three to 12 years old, Rachel and Samantha were horrified to hear on the news that a quarter of 20-to-34 year olds still live at home with their parents. As much as they love their kids, the idea they might still be a...

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Omnis Market Update

The US begins to see clear signs of a slowing economy and inflationary pressures beginning to fade, whilst the UK inflation continues to rise. The Japanese central bank bucks the trend and keeps interest rates low as the European Central Bank raises interest rates....

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10 ways to reduce your tax bill

10 ways to reduce your tax bill

Being tax smart means knowing the basics about how tax affects your life and money. Here are 10 ways to reduce your tax bill, which could make your money go further for you and your loved ones. Personal savings allowance You’re entitled to receive some interest on...

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Omnis Market Update

Investor sentiment was boosted somewhat last week as slowing economic growth and signs that inflation could be peaking soon could mean that central banks tone down their approach to raising interest rates aggressively. Political news dominated last week, with Boris...

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How does a remortgage work?

A remortgage is the process of moving your home’s existing mortgage to one with a new lender. Remortgaging could help you save money if you weigh up the fees involved with the savings you could make. Here’s how it works. People remortgage for many different reasons,...

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What are value-added services?

Value-added services are benefits included in an insurance policy that you might not be aware of – but could help improve your overall health and wellbeing. When you take out an insurance plan like life insurance, critical illness, or income protection, you get the...

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Omnis Market Update

After taking a breather in the previous week, markets returned to its losing streak, with pessimism centred around economic growth deteriorating and the impact that the actions of central banks around the world could have on tipping economies into a recession. Markets...

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How to protect your business

What is business protection insurance and how does it work? Find out why it could be right for your business. If you own or run a small business, protecting it is always a priority, especially if something were to happen to a key member, which could affect the...

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Omnis Market Update

Markets took a breather this week, which came from the realisation that economies are slowing down, which should in turn help tame inflation and take the pressure of central banks applying the brakes too aggressively. Of course, there is still a lot of uncertainty...

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Saving For A University Education

Saving For A University Education

Funding your child's university education Sarah and Andrew’s 10-year-old twins, Isabelle and Isaac, couldn’t be more different. While Isabelle is boisterous and full of beans, Isaac is gentle and reserved. The children do have one thing in common though - they’re both...

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Omnis Market Update

A week driven by interest rates. Interest rate rises are the way central banks try to control inflation, not just by taking the foot off the pedal of the economy, but by indeed applying the brakes. Investors are worried about how forcefully these brakes are applied...

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Pension Planning For The Self-Employed

There are 4.8 million self-employed people in the UK and only a third have any kind of pension arrangement. A shocking statistic when you consider that State support is shrinking and we’re all living longer. Of course, saving for a pension when you’re self-employed is...

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Omnis Market Update

High inflation, and interest rate expectations, remain very much at the forefront of investors around the world. In Asia we saw some promising news – in Japan, the economy appears to be in slightly better shape than many expected, and in China, there are signs that...

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Credit Scores

Why homebuyers need to check their credit score Carly and Steve made serious sacrifices to save a deposit for their first home. To cut costs, they moved from their two-bedroomed flat in the centre of Manchester to a studio flat in one of the less well-regarded...

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Omnis Market update

It was a mixed week for markets across the world. Investors in the UK, US and Europe continue to worry about inflation, slowing growth and the impact that rising interest rates could have on these economies. Meanwhile, some relaxation in restrictions in China and...

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Accident Protection

Accident Protection

How would you manage if an accident stopped you working? Matt was delighted when he landed his dream job as a football coach. He got to do what he loved every day. Life was good until, one day, he fell down the stairs and everything changed. Matt seriously hurt his...

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Omnis Market update

Markets took a bit of a breather from the negative moves in the last few weeks, despite the ongoing uncertain outlook of slowing economic growth, rising inflation, and aggressive interest rate hikes from central banks. There are increasingly signs that inflation is...

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First Steps To Investing

There is no right time to begin investing but there are some decisions to make that could affect your returns. If you are 7 years old and saving your pocket money for a PS5, 17 saving the money from your first job for a car, 27 saving for your first house or 57 and...

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Omnis Market Update

In another volatile week in markets, the focus remains on how central banks plan on taming inflation and the impact this could have as economic growth around the world continues to slow down. Inflation appears to be having an impact on consumer confidence and...

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Review your pension contributions

Planning for a comfortable retirement Tina is a fit and vibrant 59-year-old who expected retirement to offer a whole new lease of life. She was looking forward to using her increased leisure time to explore Europe while indulging her passion for climbing. However,...

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Omnis Market Update

It was another volatile week in markets, with mixed results at the end. The focus remains on how central banks plan on taming inflation and the impact this could have as economic growth around the world continues to slow. In the US, whilst inflation has fallen, it has...

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Get Savvy Against Scammers

Get Savvy Against Scammers

Retired teachers Paul and Mary are devoted parents and grandparents to their three children and eight grandchildren. As their family started to grow, they decided they wanted to begin saving for their grandchildren’s future. Disappointed with the returns from their...

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Why cohabiting couples should make a will

When Tom and Pete bought their first property together, life couldn’t have been better. They both had good jobs pulling in decent salaries and were excited about spending the rest of their lives together. They chatted about making a will a few times, but somehow life...

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Omnis Market Update

In another volatile week in markets, the focus remains on how central banks plan on taming inflation and the impact this could have as economic growth around the world continues to slow. Last week, both the US and UK central banks raised its interest rates. China’s...

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Spring Clean Your Finances

There’s plenty of advice and ‘life hacks’ on how to make spring-cleaning less of a chore. A quick Google search will throw up hundreds of random tips – like using cola to clean the toilet, lemon to clean the taps and vinegar to clean just about anything! When you’ve...

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Omnis Market Update

The geopolitical and macroeconomic concerns that have loomed large over sentiment in recent weeks remained in place. Japan’s central bank diverges from other central banks, with the Federal Reserve and Bank of England expected to raise interest rates this week....

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Volatility and Long-term investors

Volatility and Long-term investors

As the conflict in Ukraine escalates and Russia continues its invasion of Ukraine major stock markets have fallen dramatically. But what does this mean for your investments? Stories about stock market falls are guaranteed to make headlines like the financial crisis of...

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Time vs Timing

When it comes to investing, you might have heard that time in the market is better than timing the market. Time in the market is another way of describing long-term investing. Investors with a time horizon of at least five years (and in many cases longer) buy an asset...

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Omnis Market Update

It was a challenging week for markets across the world with many different factors affecting sentiment. Covid-related lockdowns in China has led investors to worry about the economic fallout China and supply chain consequences globally. In Europe, Macron’s victory...

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Myths About Retirement

When it comes to retirement, there are some ideas that can turn out to be quite different when you examine them closely. We explore five of them. 1. You can live off the state pension alone The current basic state pension is £137.60 per week, or £179.60 for the new...

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What is capital gains tax?

If you’re selling certain assets of high value or a second property, you’ll probably have to pay capital gains tax on your profits. Here’s how it works. Capital gains tax (CGT) is a tax on the profits earned from selling an asset or a property belonging to you...

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Omnis Market Update

In a holiday-shortened week, markets were mixed across the world, with inflation concerns very much at the forefront in most markets. Inflation in the UK and the US has continued to rise with many expecting the Bank of England will raise interest rates again in May....

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What does a financial adviser do?

A financial adviser can help with your investment goals, but they can also offer many more ways to understand and make the most of your money. You might think that people who use financial advisers are just investing in the stock market or need someone to manage their...

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Talking About Money

Talking About Money

While, for many, discussions about money can be extremely uncomfortable, experts have long stressed the best approach to financial issues is invariably to talk about them. Indeed, perceived wisdom suggests the more open and honest people are about money, the better...

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Omnis Market update

It continues to be a somewhat uncertain time for markets as fears over higher inflation and Russia’s invasion of Ukraine dominate, whilst at the same time much of the world continues to transition towards slowly learning to live with COVID-19. Last week’s performance...

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Investment Update – A Volatile Period for Markets

High inflation, disappointing earnings results from some tech companies and Russia’s invasion in Ukraine caused turbulence for the financial markets. The reality of armed conflict between Russia and Ukraine pushed down leading stock market indices during February....

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Omnis Market update

Conflict in Ukraine continues to dominate the headlines. Financial markets remain exceptionally sensitive to any hints of diplomatic progress, with sentiment shifting by the hour. Meanwhile, investors must keep a weather eye on the interplay between economic growth,...

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Junior ISA

In the Autumn Budget in 2021, it was revealed that the Junior ISA spending limits would remain at £9,000 for the 2022/2023 tax year. The JISA limit was last changed in early 2020, when it was doubled from £4,500 to its current level.   JISA and CTFs both benefit...

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Omnis Market Update

It was generally a positive week in markets across the world, but it is obvious that risks remain across particularly with the ongoing conflict in Ukraine, rising inflation and the prospect of central banks raising interest rates aggressively. Russia’s stock markets...

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Reckless Caution Is Costing Savers

Reckless Caution Is Costing Savers

New research from The Openwork Partnership, one of the UK’s largest and longest established financial advice and investment networks, shows more than 11.6 million are keeping all their money in cash despite ongoing low rates. Its nationwide study found 22% of adults...

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Omnis Market Update

It was generally a positive week in markets across the world – with China the only major market to register losses, though we did see a turnaround later in the week. This week is a clear example of what we mean when we talk about volatility – volatility means you can...

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Omnis Market Update

Overall markets fell this week with key data coming out across the world. In the US, inflation appears to be falling. Japan’s optimism continues, owing to an incoming, yet-to-be elected, prime minister and the successful acceleration in their vaccination campaign,...

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Omnis Market Update

Markets had a positive week across the globe. In the US, all eyes were on the Federal Reserve’s speech on Friday. Across the pond, in the UK, growth appears to be slowing down, whereas the European economy continues to remain in expansion mode throughout the summer....

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Omnis Market Update

Overall, it was a negative week for markets globally. Worries over tighter central bank policy in the US and fears that economic growth could be peaking weighed on investor sentiment. This comes at a time when the highly contagious delta variant continues to disrupt...

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Investment Update – Dicing with the delta variant

With the UK leading the way in lifting its pandemic restrictions, the coronavirus Delta variant has put many countries on edge. Nations experiencing a surge in the Delta variant of the coronavirus are in a race between vaccinating a majority of the public and getting...

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Omnis Market Update

Stock markets enjoyed a positive week. Strong economic data and a slew of upbeat company earnings reports were enough to offset concerns over the continued spread of the delta variant and talk of central banks ending their extraordinary support packages. UK: The FTSE...

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Should we be concerned about rising inflation?

Most economists expect inflation to pick up over the next few months as lockdown restrictions ease and shops and restaurants reopen. But is this a cause for concern? As lockdown measures begin to lift, financial markets are making their adjustments in anticipation of...

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Omnis Market Update

It was a challenging week for markets globally, driven by continued news that the pace of the global economic growth is slowing, exacerbated by the spread of the delta variant and the impact this could have on economic growth. China’s regulatory crackdown on the...

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How to plan for inheritance tax

Following the news that thousands more people are expected to pay the standard 40% inheritance tax this year because of the effects of the pandemic, we explore some of the ways to navigate the complexities of inheritance tax. The complex laws around inheritance tax...

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Omnis Weekly Update

It was a mixed week for markets globally. Most markets fell at the start of the week, but many recovered those losses. The spread of the delta variant and the likelihood that growth is slowing has impacted markets, but we saw some positive economic data coming out of...

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Time to consolidate your pensions?

Employer pensions can accumulate as we change jobs, and it’s easy to lose track of how much each one contains. We explore what you need to know if you’re thinking about consolidating your pensions. When you leave a job, it’s easy to forget about the workplace pension...

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Omnis Market Update

It was a tough week for markets. Stocks on both sides of the Atlantic met their worst weekly performance in at least a month due to fears about the rapid spread of the Delta variant of coronavirus. We also saw higher inflation being reported in the UK and the US which...

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Protect your possessions with accidental damage cover

Insurance claims for accidental damage increased over the past year as more people worked from home, so it’s a good time to check your own coverage. Figures from some of the country’s biggest insurance providers have shown a sharp rise in claims of accidental damage...

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Omnis Market Update

Markets last week were concerned about a slowdown in economic growth, which became more concerning amidst rising Covid-19 cases globally. Despite a sharp decline in markets in the middle of the week, most appear to have recovered, ending the week flat or mildly...

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Omnis Market Update

It was a mixed week for markets globally. Strong economic data has driven positive investor sentiment this week. This has been somewhat dampened by rises in infection rates due to the ‘delta’ variant of the coronavirus. Unemployment in many parts of the world appears...

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Inflation rises, along with commodity prices

The combined economic effects of stimulus measures, inflation and increased spending all contributed to an eventful month. In May, vaccine rollouts gathered pace and pandemic-based restrictions began to lift in many countries. However, a new wave of cases in India...

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Omnis Market Update

After a difficult week for markets in the previous week, inflation fears appear to have calmed down this week, triggering most global markets to post gains last week. Countries continue on their path to reopening their economies wrapping up the first half of the year...

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Omnis Market Update

The US Central Bank, The Federal Reserve, indicated that it may raise interest rates sooner than previously expected, sending markets globally tumbling down. Covid-19 cases in Europe and Japan fall, but England delays the full reopening of society. US: Worst week for...

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What’s in a name?

We explore what makes an emerging market and why they can offer attractive investment opportunities. For example, South Korea is one of the world’s largest and wealthiest nations. Its GDP per capita – which measures economic output divided by total population – was...

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Omnis Market Update

Interest rates and inflation seemed to continue to dominate sentiment last week. Markets were mixed across the world, dominated by news on economic growth, inflation and increases or declines in Coronavirus infection rates. Central Bank’s ‘accommodative’ policies are...

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Omnis Market Update

Markets trod water last week – until Friday, when tame US employment data put paid to immediate concerns of inflation and rising interest rates, allowing equities to finish the week on a firmer footing. Investors are likely to remain sensitive to signs of inflation –...

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Unlocking the value in your home

The number of people using equity release schemes fell last year as older homeowners grew more cautious. Older homeowners seemed to be more reluctant to release cash from their homes in 2020, according to the Equity Release Council. Data from the trade body shows...

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Omnis Market Update

Despite mixed economic data during the week, most stock markets globally ended the week positively. Many countries continue to grapple with surges in infections, whilst accelerating their vaccination rollouts. Inflation remains a concern among investors. US: Positive...

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Don’t lose out to inflation

Putting your hard-earned cash into savings accounts may not be the most efficient way to make your money work for you. If you’ve been placing your cash into a savings account over the past decade, you might be surprised to find that your money could now be worth less...

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Omnis Market Update

Investors welcome the positive economic data coming out of many economies globally, but this also continues to raise their concerns about inflation and the actions that the central bank may take and when they might do so. Markets ended the week reasonably flat,...

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Omnis Market Update

Investor sentiment was very weak, following a surprise increase in the US inflation figures for April 2021. Worries that a pick up in inflation would lead to higher interest rates weighed on markets across the world. Chinese stocks however, rose during the week. US:...

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A positive outlook

The economic recovery is gathering momentum as the pandemic recedes and successful vaccination programmes continue to roll out on both sides of the Atlantic. April saw the continuation of progress made in March, as a more settled month in the investment markets, with...

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Omnis Market Update

It was generally a positive week for stock markets globally, despite a weaker start. Inflation prospects seemed to weigh heavily on investor sentiment during the week as Treasury Secretary Janet Yellen commented on rising interest rates. Economic data highlights the...

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Omnis Market Update

It was a very mixed week for stock markets globally, with lots of ups and downs during the week. The UK and the US are beginning to show signs of economic expansion, whilst data suggests Europe has entered a recession. US: Strong GDP growth in the first three months...

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Protect your peace of mind when moving home

Moving home can be a hectic and exciting time, but don’t forget about protection – taking out the appropriate policies can save you a lot of stress in the long term. If you’ve just moved home or are about to, it probably feels like you’ve been caught up in a bit of a...

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Omnis Market Update

It was largely a poor week for stock markets globally, with surges in Covid-19 cases overshadowing positive economic news during the week. China was one of the few markets to post positive returns following several weeks of more challenging performance. US:...

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The power to change the world

Ethical and sustainable investing are both popular and it’s useful to understand the difference between the two approaches. Investing in a responsible way is nothing new. It dates as far back as the 1700s, when religious groups such as the Quakers refused to support...

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Omnis Market Update

Another generally positive week for stock markets globally, once again driven by positive investor sentiment. Asia lagged once more with mixed economic data and lacklustre investor sentiment. In the UK, positive economic data for February was released as England...

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Omnis Market Update

A generally positive week for stock markets globally, except for Asia, driven by positive investor sentiment. Investors continue to keep a watchful eye on inflation. In the UK, a weaker pound drives markets higher and England enter the second phase of its roadmap to...

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Springing into action

Successful vaccination programmes are rolling out on both sides of the Atlantic, pointing to a brighter economic outlook. The US and UK continued their rapid vaccine programmes to combat the coronavirus pandemic, while Europe lagged in its rollout, resulting in a...

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Omnis Market Update

A generally positive week for stock markets globally. Optimism of economies reopening bode well for markets, despite some European countries seeing higher cases and extended lockdown measures. Investors continue to keep a watchful eye on inflation. US: Investors weigh...

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Use it or lose it

The current tax year ends on 5 April 2021, so now’s a good time to make sure your finances are in order and book an annual review with your financial adviser. We’ve taken a look at some of the main allowances you’ll need to bear in mind as you prepare for the end of...

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Great expectations

With hopes rising about vaccines and the end of lockdowns, could we see a rise in inflation when the economy reopens? As vaccines continue to be deployed rapidly around much of the world, hopes are increasing about the global economic recovery. Many people expect...

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‘No matter how long the winter, spring is sure to follow’

As we entered the new year with further lockdowns and history making world events, the hope of spring hangs in the air, an enticing prospect, this year, more than ever. While we’re waiting for the green shoots of spring to emerge, why not use the time effectively by...

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Omnis Market Update

US: Markets up and American Rescue Plan approved Stocks moved broadly higher in the US for the week, lifting major benchmarks to new records. The S&P 500 was up 2.7% and the Russell 2000 Index (smaller companies) was up 7.4%. Biden’s $1.9 trillion American Rescue...

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Plan for what is difficult while it is easy – Sun Tzu

We all know we need to save for retirement, don’t we? But we also know it’s not always that easy to find the spare cash required to do so, especially amid a global pandemic. Research studies, though, typically show that many retirees wish they’d saved on a more...

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Are your kids worried about money?

Has the pandemic caused you to worry more than usual about your finances? Well, you’re not alone…With 47% of respondents to a global survey stating they are less well-off now compared to before the pandemic and 24% worried about job security, it’s clear that the virus...

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Could you live on the State Pension?

Let’s be honest, on the morning of 21 October few of us were waiting with bated breath as the latest UK inflation stats were revealed. But, for millions of people, that moment was significant. That’s because the September (Consumer Price Index) CPI inflation figure...

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Get to know your SVR

As a nation, we aren’t great with our financial acronyms and terminology. Life is busy and our heads are often full of important things to get done to make it through the week, without having to worry whether we know our LTV from our ERC! You’re certainly not alone if...

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Preparing emotionally for retirement

You’ve retired from work, you’ve waved a cheerful goodbye to your colleagues and you’re ready for the rest and relaxation you so rightly deserve. It’s exciting! For a couple of weeks. Then the doubt sets in. What will you do with your life, you might find yourself...

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Budget 2021 Highlights

Rishi Sunak has had to make some tough decisions as he balances tackling the health crisis, securing an economic recovery and looking ahead to fixing public finances. In this year’s Budget the Chancellor has juggled contradictory demands by setting out his plan to...

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Is your deposit enough?

When James and Allison first started renting together, they were determined it would be a temporary move. Fresh out of university, they turned their attention immediately to homeownership, putting away as much of their money as their rent and living costs would allow....

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How do I prove my income for a mortgage?

With Covid-19 rules changing almost daily, extensions to furloughs and local and national lockdowns many are facing money worries this winter. If you’re trying to get a mortgage and want to push your property transaction through before the Stamp Duty holiday ends, how...

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Do you know your State Pension age?

Did you know that the State Pension age (SPA) increased to 66 for both men and women in October 2020 and it’s set to rise further? Knowing your SPA, together with how much you can expect to receive, is an important part of your retirement plan that is often...

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Do you have ‘cash in the attic’?

Wherever you go, you’d be hard pressed to find a house without at least a little bit of clutter. From the kids’ old teddies (well, they might want Ed the Ted for their own children, you see) to receipts from the 1980s (they might take it back after 40 years), attics...

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Negative Interest Rates

Last week, there was a lot of focus on the Bank of England’s decision to keep interest rates unchanged.  This was because they warned that interest rates could go negative in six months’ time.  It was reported that the Bank of England has been looking into...

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Could you ‘nudge’ your way to a healthy retirement?

Nudge theory was popularized in 2008 by behavioural economist Richard Thaler and legal scholar Cass Sunstein. In simple terms it is about making it easier for people to make a certain decision that is ultimately in their own self-interest. Day-to-dayIn the short term...

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Cohabiting couples should make a Will

When Tom and Pete bought their first property together, things couldn’t have been going better. They both had good jobs, were pulling in decent salaries and were excited about spending the rest of their lives together. They chatted about making a Will a few times, but...

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Happy 21st to the ISA

An Individual Savings Account (ISA) is a tax wrapper for your money. There are two main types available depending on the level of risk you’re prepared to take: Cash ISAStocks and shares ISA If you’re 16 or older you can have a Cash ISA, whereas Stocks and Shares ISAs...

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Omnis Market Update

Last Week - Key Takeaways Markets: Shares welcome Democrat’s victory in Senate Global shares rose as they focussed on the prospect of further support measures for the US economy rather than the events in Washington DC on Wednesday and the impact of lockdown on the US...

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