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Ray Prince's Articles

  • Critical Claims Statistics for Critical Illness Cover
    Are you adequately covered for personal life protection, including life assurance and critical illness cover? Do you know what the actual claims experience of the leading insurance companies is? Let's take a look at some revealing statistics...
  • Estate Planning and the Enduring Power Of Attorney - Changes Imminent
    It can be hard to imagine that you may not be able to look after yourself at some point in the future. As most of us are only too aware though, the chances of this situation arising is likely. But who will look after your financial affairs? And how will it all work, especially if your situation deteroirates quickly? Let's look at the options available to you.
  • Your Mortgage Endowment - Cash In Or Continue?
    Do you have a unitised with profits endowment plan? Is it on track to repay your mortgage loan? Are there alternatives available to you? There may well be, and it's not what the insurance company wants you to know...
  • Your UK State Pension and Missing Contributions
    Is it possible to boost your UK State Pension? What steps can you take to increase your income in retirement? By paying Class 3 National Insurance contributions all this is possible...
  • The UK Property Boom - Will It Continue in 2007?
    Whether we own property to live in, have it as an investment as a buy to let or as part of our portfolio in our ISAs or Pensions, the fortune of the property market is very important to our overall wealth.
  • Critical Protection Issues - How To Get The Right Level of Personal Protection
    This is the second of a three part mini-series on protecting your family from the effects of death and illness. A morbid subject perhaps, but a crucial one that you shouldn't ignore.
  • Bracing Yourself for Higher Education Costs - Are You Ready For The Challenge?
    Will your children be able to afford to go to University or onto Higher Education? With the costs increasing every year will the government be able to reach their goal of more students going to university? Let's look at the costs involved and the steps you can take to ensure you've saved enough for their futures.
  • Is This The REIT Investment? - Real Estate Investment Trusts and Investing in UK Commercial Property
    If you're looking to invest in commercial property (shops, offices etc - not 'buy to let' residential) you currently have a couple of main options (apart from buying the whole property itself).
  • Critical Personal Protection Issues - Quality of Insurance Cover
    For the next three articles we'll look at the issue of how to protect yourself and your family from the financial effects of death and illness. These consist of: • The importance of the quality of your protection policies • How to get the right level of protection • A look at the actual claims experience of companies
  • Parent Landlords - A Good Option?
    Many clients we speak to have at some time posed the question - should we buy a property for our child(ren) going to University? It is a fair question as it seems a waste to pay rent when you can get something back. Also, as a caring parent you presumably would like your child to live somewhere decent and habitable.
  • 8 Critical Steps Towards Buy To Let Property Profits
    We've all read the headlines professing that fortunes are being made in the property market. Whether you're just considering adding this asset class to your portfolio or are a more seasoned property professional, you need to know the essential steps involved to ensure you avoid the many pitfalls and increase your chances of making a reasonable profit (and reduce the headaches!).
  • Active Fund Investment Management – Do You REALLY Know the Costs?
    Many investors are unaware (or don't care) how much they are actually paying in charges to their fund manager(s). The advertised 'Annual Management Charge' is only part of the costs incurred by investors on their funds. This article explores what the other charges are and is essential reading for all investors.
  • UK General Practitioners: Your Pension Options Explained
    The subject of pensions appears to be in the news every week. With this can bring confusion, so in this article we look at how part time GP's can plan effectively for their retirement.

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