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Archive for April, 2014

The new tax year, which began a couple of weeks ago, means that savers have a new ISA allowance to play with. It should go without saying that the earlier a person chooses to start investing, the more time their investments have the opportunity to grow, so it’s worth saving as early as possible. Many people who take up going to the gym say that…


How do you define wealth? While some may define it by the car they drive, the number of houses they own (or owning a home at all!) or how many holidays they go on each year, far more people across the country define their personal wealth by their salary. But more so than that, people are increasingly likely to define their wealth based on how…


We at Scottish Friendly were as surprised as anyone – less Downing Street insiders – when the Chancellor’s bold ISA and pension reforms were announced last month. We were all the more taken unaware because another piece of policy relating to ISAs – in this case Junior ISAs – has been in the offing for over a year. Indeed it was announced back in Budget 2013 that the…


Of all the parables in the bible the Prodigal son was one that always disturbed me. For those of you that don’t know the story it tells the tale of a father with two sons. The younger of the sons demands his inheritance early and goes off to live la dolce vita, the older son stays with his father continuing to work the land. After…


Those of more modest means must have been wondering what all the Budget fuss was about. Whilst hugely exciting for some, the media hype following George Osborne’s introduction of the New ISA (or NISA), to be rolled out in July, didn’t necessarily speak to everyone in quite the same way. Unlike most of the Budgets I have endured and enjoyed, this one was the most…


I’ve said before that pension reform is really about spin over substance. Ask anyone in the street what happened in the budget and most people will answer that the Chancellor abolished annuities or removed the requirement to buy one. But the requirement to purchase an annuity was abolished for most people by Kenneth Clarke in 1995 and the only remaining requirement (to buy one at…


This competition is now closed. The winner will be announced this week. How would you like to win a £50 worth of children’s books? Malorie Blackman, The Children’s Laureate will be embarking on a nationwide Scottish tour in May and to celebrate this, we’re running a  competition in which you can win this fantastic prize. How to enter Take a look at the video below…


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