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Archive for ‘Why invest?’

Trainspotting’s classic ‘Choose Life’ monologue inspired an entire generation and has been seen plastered to the wall of student bedrooms ever since.  “Choose life. Choose a job.  Choose a career. Choose a family.  Choose washing machines, cars and compact disc players.  Choose fixed-interest mortgage repayments. Choose a starter home. Choose…mind-numbing spirit-crushing game shows.” The Renton character’s scathing put down of consumer society in 1996 reflected…


So, it’s almost 21 October 2015. If you’re a thirty-something and it’s your birthday, then many happy returns! “Thanks very much” you may reply. “But what’s so remarkable about me and this particular date?” Great Scott! You’re not a fan of the ‘Back to the Future’ films then? Those who are fans of the hugely popular 80s trilogy starring Michael J Fox know that 21…


Thinking of putting something away for a special treat in the future? Planning ahead usually helps, and with time on your side, a long term investments strategy using a Scottish Friendly ISA could be part of a wider savings and investment plan. Listed below are some points you may or may not have been aware of regarding Investment ISAs. #1 You can have two ISAs…


An investment plan is quite different to a savings plan. Investments are normally considered as a commitment for the medium to long term – so at least 5 to 10 years. Here are some key points you may want to consider if you are thinking of making an investment plan. 1. Decide what are you investing for Do you have a long term investment goal, or a…


I’ve been reading a great book – it’s called Sapiens: A Brief History of Humankind by Yuval Noah Harari. As the title suggests, it covers the full gamut of history from the dawning of humanity through to our technological age and beyond. It asks many pertinent questions such as: What if Neanderthal man had survived to this day and existed alongside homo sapiens as a…


As a Scot, I like to think I am canny when it comes to finances.   However over the past year, Scottish Friendly’s Thrifty Family campaign has shown there’s so much more I can do to become even cannier.  I’m therefore going into battle in 2015 with a  number of New Year financial planning goals aimed at ensuring I pile on the pounds (sterling of course!)…


Having a clearly-defined savings or investment goal gives you something specific to aim for — a concrete carrot dangling in front of your nose, if you like. But as well as being a great incentive, having something tangible to work towards also takes planning and commitment, especially during the rough times. With this in mind, we’ve come up with a six-step guide, which we call…


If you’re feeling the pinch at home, there are plenty of hands-on ways to cut costs. From home-cooked goodies to doing it yourself around the home, you’d be surprised at the creative ways to save cash. So check out our list of ideas and discover how the secret to economising could be at your fingertips… 1. Cook up a storm If your food bill is…


Empty nesters.  It’s a blissfully appealing phrase and represents a time in our future lives many of us look forward to after years of providing our wee angels with free board and lodging, laundry, taxi services, a mountain of food and maybe even private education.  But for 15% – and rising – of Scots over the age of 50, the fabled empty nest is perhaps…


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