Are Innovative Finance ISAs as bad as they are painted?

When George Osborn, then Chancellor of the Exchequer, announced the launch of Innovative Finance ISAs (IFISAs) back in 2016 there was much hype about how they would be an exciting new way to invest, bringing investments previously only open to the ultra high net-worth investor to the ordinary investor.  Invested money is used by the […]

Taxing Times on Inheritance

HM Revenue & Customs (HMRC) has reported a new record high for Inheritance tax (IHT) receipts in 2017/18 with around £5.2 billion being received, a £400 million year on year increase in the amount received in 2016/17 last tax year, around an 8% increase.  And this despite the introduction last April of the main residence […]

Cyber Insecurity

A recent report by the UK’s National Cyber Security Centre (NSCS) shows that millions of us are using passwords, on sensitive accounts, that are almost laughably easy to crack.  The NSCS conducted an analysis of passwords found in public databases of previously breached accounts to see what the most frequently occurring passwords were.  In 2018, […]