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Charles James Financial Planning

Home
About Us
Savings and Investments
Pensions and Retirement Planning
Mortgages
Insurance
Protection
Wills and Estate Planning
Business and Employee Benefits
Links
Blog
Connect
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Blog

Guest User
May 19, 2021
In The News

‘Business as Usual’ - 3 Things to Know About Business Lending Post-COVID

Guest User
May 19, 2021
In The News
‘Business as Usual’ - 3 Things to Know About Business Lending Post-COVID

This month has seen a much-needed boost to many high streets as spending surged to pre-pandemic levels. This is thanks to the Covid-19 vaccination programme and the lifting of lockdown measures.

Tagged: business

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Guest User
April 23, 2021
Wills

6 Things You Need to Know About Creating Your Will

Guest User
April 23, 2021
Wills
6 Things You Need to Know About Creating Your Will

Creating a will can seem intimidating and it’s normal not to know where to start. Between the legal aspects and the forward planning, making decisions for when you’re not around can be difficult.

That’s why we have created the 5 things you need to know about creating your will.

Tagged: Wills

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Guest User
April 5, 2021
Money Management

What to consider when applying for a credit card

Guest User
April 5, 2021
Money Management
What to consider when applying for a credit card

Whether you're applying for your first credit card or looking for a new one, there are hundreds of options available. Here are a few things to take into consideration to find the one that suits you best before applying.

Tagged: Credit Card, credit score, good credit score, credit rating

Guest User
March 26, 2021

What are negative interest rates?

Guest User
March 26, 2021
What are negative interest rates?

Negative interest rates occur when interest rates fall below 0% and therefore borrowers are credited interest rather than paying interest to lenders.

Tagged: negative interest rates, interest rates, economy, Bank of England

Guest User
February 18, 2021
In The News, Property and Mortgages

Original Stamp Duty deadline date March 31st extended

Guest User
February 18, 2021
In The News, Property and Mortgages
Original Stamp Duty deadline date March 31st extended

At the moment, those who are looking to purchase property are not obligated to pay an extra lump sum of fees thanks to the government’s stamp duty holiday.

Tagged: stamp duty, property

Guest User
January 25, 2021
Property and Mortgages

Understanding mortgages as a first-time buyer

Guest User
January 25, 2021
Property and Mortgages
Understanding mortgages as a first-time buyer

We understand mortgages can be a confusing topic. If you're a first-time buyer, it's important you have a clear understanding of mortgages and your options before you buy your first home.

Tagged: Mortgage, mortgages, First Time buyers, mortgage lending, Help to Buy

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Guest User
December 21, 2020
In The News, Money Management

The Pros and Cons of Giving Gift Cards this Christmas

Guest User
December 21, 2020
In The News, Money Management
The Pros and Cons of Giving Gift Cards this Christmas

Gift cards seem like a lovely present for many and an easy solution for those friends who are simply too hard to buy for.

Tagged: Online Shopping, gift cards, christmas

Guest User
November 30, 2020
In The News, Money Management

National Living Wage Rises

Guest User
November 30, 2020
In The News, Money Management
National Living Wage Rises

The national living wage is the minimum rate that employers are allowed to pay their employees for each hour worked, in accordance with government legislation.

Tagged: national living wage, real living wage, money, Money Management, Pay Gap

Guest User
October 28, 2020
Retirement, Pensions

Top 5 considerations when preparing for retirement

Guest User
October 28, 2020
Retirement, Pensions
Top 5 considerations when preparing for retirement

After years of hard work, the time has finally come to begin thinking about retirement and it pays to be prepared as retirement nears.

Tagged: pension, Pensions, state pension, Retirement

Guest User
September 22, 2020
Property and Mortgages

What is a remortgage?

Guest User
September 22, 2020
Property and Mortgages
What is a remortgage?

Did you know you could save money every month by remortgaging? With interest rates at an all-time low, if you are currently paying a standard variable rate it may be worth considering remortgaging to bring down the rate of interest you’re currently paying.

Tagged: remortgage, housing market, mortgages, Mortgage

Guest User
August 28, 2020
In The News

Are you eligible for a Bounce Back Loan from the government?

Guest User
August 28, 2020
In The News
Are you eligible for a Bounce Back Loan from the government?

The Bounce Back Loan Scheme enables smaller businesses to access finance more quickly during the coronavirus outbreak.

Tagged: loans, bounce back, borrowing money, Bank of England

Guest User
July 27, 2020
Money Management

Understanding your credit score

Guest User
July 27, 2020
Money Management
Understanding your credit score

Your credit score is a number ranging from 300-850 that deciphers how much credit a consumer is allowed to borrow, based on your financial history. The better your financial history, the higher your credit score will be, meaning more attractive lending rates for the borrower.

Tagged: credit score, credit card, good credit score, borrowing, borrowing money

Guest User
June 24, 2020

Nationwide triple minimum deposit required for first-time buyers

Guest User
June 24, 2020
Nationwide triple minimum deposit required for first-time buyers

Nationwide, the UK’s biggest building society has announced its plans to triple the minimum mortgage deposit required for first-time buyers in response to the Coronavirus crisis.

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Guest User
May 15, 2020
Property and Mortgages

How does furlough affect your mortgage?

Guest User
May 15, 2020
Property and Mortgages
How does furlough affect your mortgage?

If you have been furloughed and are currently on the government Job Retention Scheme, you may understandably be slightly worried about how this may affect your mortgage application.

Tagged: Mortgage, Money, mortgage lending, Money Management

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Guest User
April 27, 2020

Accessing pension pots now could damage your future

Guest User
April 27, 2020
Accessing pension pots now could damage your future

Due to coronavirus, there has been a surge in over 55s enquiring about accessing their pension pots early.

Comment
Guest User
March 19, 2020
In The News, Money Management

Your invested portfolios, general money planning & CJFP remote working

Guest User
March 19, 2020
In The News, Money Management
Your invested portfolios, general money planning & CJFP remote working

Some thoughts & suggestions from Dean on your invested portfolios, general money planning & CJFP remote working whilst we’re in the midst of this current global situation.

Tagged: in the news, Money Management

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Guest User
March 10, 2020
In The News, Pensions, Savings and Investments

How has Coronavirius impacted the Economy?

Guest User
March 10, 2020
In The News, Pensions, Savings and Investments
How has Coronavirius impacted the Economy?

The coronavirus outbreak has infected tens of thousands of people across the world, with UK cases increasing to over 300 in recent days. The rapid spread of the virus has left businesses around the world counting the cost.

Tagged: in the news, stocks, stock market, Travel Insurance, economy, pension

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Guest User
February 27, 2020
Insurance

Why Is It Important to Have Insurance?

Guest User
February 27, 2020
Insurance
Why Is It Important to Have Insurance?

The main reason you need insurance is to protect your life, your ability to earn income, and to keep a roof over your head.

Tagged: insurance, Building Insurance, home insurance, Contents Insurance, car insurance

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Guest User
January 21, 2020
Savings and Investments

What is the Lifetime ISA?

Guest User
January 21, 2020
Savings and Investments
What is the Lifetime ISA?

Help-to-buy ISAs may no longer be an option however, if you’re still considering opening something to help save money for your future house The Lifetime ISA might be an option for you. 

Tagged: isa, lifetime ISA

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Guest User
December 19, 2019

Are my Christmas presents wrapped up with my Insurance?

Guest User
December 19, 2019
Are my Christmas presents wrapped up with my Insurance?

With Christmas getting ever closer, homes around the country are starting to see more and more presents under the tree, some gifts may come with a hefty price tag. But are they covered for insurance?

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Charles James Financial Planning LTD, 9 School Lane, Dronfield, S18 1RY, United Kingdom,+44 (0)1246 296060,info@charlesjames.com

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