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...
What is adverse possession? Adverse possession is a method of acquiring legal title to land by occupying it without the permission of the legal owner. It is also used by landowners seeking to remedy their boundaries where legal title does not match up with the land occupied. This is particularly common with...
Happy New Year from all of us at EYES on St Albans! In that it’s the season of resolutions, we thought we’d add our own little nudge to those of you out there who’ve got prescription glasses – but don’t wear them. Go with us on this one...
Making small, monthly pension or ISA contributions can give children a hugely valuable pot of money for later life. The powerful ‘snowball effect’ of compounding investment returns cannot be underestimated, as Lumin Wealth’s Managing Director Martin Cotter explains. Many parents opt to gift money to adult children, to help them with...
The festive season is fast approaching, bringing with it workplace parties, social gatherings, and increased customer interactions. While this time of year offers opportunities for celebration, it also heightens the risk of incidents that could lead to complaints of inappropriate behaviour. Employers must remain vigilant to ensure that they meet their...
Lower interest rates are on the horizon. It can be very lucrative for homeowners to monitor rates between getting a new mortgage offer, and the new rate kicking in. Martin Cotter, Lumin Wealth’s Managing Director, explains more. With inflation largely tamed, the Bank of England (BoE) cut interest rates from 5%...
97% Of Eyewear Is Made In China. 8% Owns Up To It. That’s the headline that came to us from an article on LinkedIn written by supplier, friend of the shop and all-round font of optical knowledge, Jason Kirk. With his express permission, we’re sharing it with you – because why rewrite...
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