Many UK Government bonds, or gilts, are currently trading below their nominal value. High earners can benefit from attractive after-tax yields, thanks to tax-free capital gains. Lumin Wealth’s Managing Director, Martin Cotter, explains more. A conventional gilt (UK Government bond) is a type of debt security whereby an investor lends their...
They (although we’re not sure who ‘they’ are but it’s often said!) say the eyes are the window to the soul, and honestly, they might be onto something.Think about it - eyes don’t just help you see the world; they also let the world see you!Whether it’s joy, sadness, mischief,...
As Mother’s Day approaches, we’re on hand to help you find the perfect gift whether you’re shopping for your mum, grandma or another amazing maternal figure you love. From fashion to self-care, home décor, or personalised gifts The Maltings Shopping Centre has everything you need to make her feel cherished...
Many savers are facing a heavier tax load, in light of recent tax changes. This makes it more important than ever to make full use of existing tax shelters before April 5. The Autumn Budget spelled bad news for savers, with many families and small business owners set to face a...
Nobody’s Child opened at Christopher Place this week, bringing its signature blend of trend-led, responsible fashion to St Albans. From feminine silhouettes to heritage-inspired denim, the brand is all about making women feel confident, stylish, and effortless. Nobody’s Child believes fashion should be more than just clothes - it should be empowering,...
Nestled in the heart of Christopher Place, Jigsaw St Albans is carving out its reputation as a haven for fashion lovers and seekers. Under the expert guidance of store manager Mark Hopkins, the store is not just a retail space; it’s a destination for those seeking style that transcends trends. Mark,...
At time of writing, it’s cold. By the time this article hits the internet, we may be in an early spring or an Arctic blast – who knows?!So, working on theory that these early months of the year are meant to be cold, here are a few ideas to help...
Recent regulatory scrutiny has led to more savers paying closer attention to the total costs of financial advice. Paying excessive or unwarranted fees can substantially hinder long-term wealth-building, as Lumin Wealth’s Managing Director Martin Cotter explains. Various studies have shown that those who receive financial advice are significantly better off financially...
As the UK Government rolls out changes to the Stamp Duty Land Tax (SDLT) regime in April 2025, it’s essential for buyers and property investors to understand the impact these updates may have on their plans. Whether you’re purchasing a family home, adding to your property portfolio, or stepping onto the...
We’re always looking for a tenuous link. This week, dear readers, hopefully we do not disappoint. Last Monday, the third in January, was allegedly ‘Blue Monday’ – which was the genius idea of a travel company in 2005 to try and get us to feel ultra miserable and therefore book a...
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