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What is an ISA? The dictionary term is: – “an Individual Savings Account (ISA) allows individuals to hold cash, shares and/or unit trusts tax-free on dividends, interest and capital gains. What does this mean? Each tax year the Government ‘generously’ gives us a tax-free allowance on savings held within an ISA. In July 2014, the Government increased this allowance to £15,000. The Government has already announced the new ISA allowance the coming 2015/16-tax year of £15,240. Growth or

Inflation: Are we looking at goods times or more bad times? With inflation sitting at it’s lowest in a decade and half (1.5% below the Bank of England’s target of 2%) and now finally below wage increases; are we set to see an end to the longest economic squeeze since Victorian times?  Lets examine the evidence: We are already seeing a significant fall in oil prices, now approaching their lowest since records began in 1989,

Income Protection if you have to become a Carer Most people consider protecting their income if they become unable to work due to their own ill health.  However, it is estimated that 3 out of 5 people will become a Carer for a relative at some point in their lives.  If this were to happen to you, could your family afford for you to give up work?  In most cases, probably not! Friends Life have

One for the guys  Men, did you know that you are more likely to be diagnosed with cancer rather than suffer a heart attack or stroke?  And did you know that prostate cancer is the most common form of cancer in men? According to Cancer Research statistics in 2011 41,736 men were diagnosed with prostate cancer with 10,837 deaths in 2012.  http://www.cancerresearchuk.org/cancer-info/cancerstats/types/prostate/ Advances in treatments and early diagnoses has led to higher survival rates with 84% of men diagnosed between 2010-2011 predicted

Extra protection for woman According to Cancer Research the number of woman diagnosed with cancer has risen by 43% since 1970.  In light of this, Bright Grey has added 2 new early forms of female cancer to their list of additional conditions. This means that should you be diagnosed with Carcinoma in-situ of the cervix uteri (requiring a hysterectomy), borderline ovarian tumour (requiring the removal of an ovary) or ductal carcinoma (an early form of breast cancer) Bright Grey will pay out 20%