40 Berners Street Fax 020 7907 4525
London W1T 3NA info@inspiredadvice.co.uk
Copyright © Inspired Advice Limited Registered office 12 Old Bond Street, Mayfair, London W1S 4PW Registered in England and Wales No 06164688
Inspired Advice Limited is an appointed representative of Validpath Ltd which is authorised and regulated by the Financial Services Authority
February 2011 - Good, Old Fashioned Principles for 2011
January 2011 - Bring Your Own Lunch Mini Meetings!!
December 2010 - Tricky 2010, trickier 2011?
February 2011 (Back To Top)
Good, Old Fashioned Principles for 2011
There is no doubt that 2011 will be a difficult year for many. That doesn’t mean that we should financially hibernate until Spring 2012! This year should be seen as a chance to get your financial affairs in order using the principles of save & mend.
Firstly to save you will need to list all your weekly, monthly and annual outgoings. The more thoroughly you do this the better. Then work through your list and see which costs can be eliminated or reduced. Sometimes there will be obvious savings such as making a coffee when you get to work rather than buying one a few minutes before you arrive. Others will take a bit more research, for example reviewing your electricity provider or mobile phone call plan. If you send us your list of outgoings we can reply with suggested ways to reduce your costs.
We can help you directly with the following:
Your mortgage rate and set up
Life, critical illness, income protection and private medical insurance – we can look at the whole market and see if you could be paying less for better cover.
General Insurances
Secondly to mend you should be looking at to put yourself in a stronger, more organised position. Have you got everything in place? We all have a To Do list in our heads (or maybe even on the fridge) that can include things like ‘Make a Will’, ‘Get Some Mortgage Cover’, etc. We will be able to provide you with a summary of the areas you should be looking at.
Thirdly, you should then use any spare monthly money to save in the most appropriate ways depending on your circumstances and goals. We can offer practice guidance on what would be best for you and how best to go about setting it up.
We would be happy to meet with you to explain all of this in more detail and to get you started. Alternatively, we can send you further information and we’ll be available at any stage to provide whatever support you may need. Please call us on 020 7907 4520 or use our contact form for more information.
January 2011 (Back To Top)
Bring Your Own Lunch Mini Meetings!!
Why not do something useful with your lunch hour? Come over to our office on your lunch hour for a free 40 minute initial financial review meeting while you tuck into your sandwiches, salad or whatever you fancy. We will even make you a nice cup of tea of coffee to have with it!
We will explain what we do and chat to you about how we might be able to help you improve your finances. If you prefer we can concentrate on a specific area that you are concerned about. After the meeting we will send you a summary with a list of any action points we highlighted. You then decide if you would like us to help you further.
These meetings start at 12.10pm, 13.10pm and 14.10pm. If you’d prefer a different start time or longer/shorter meeting let us know and we’ll see what we can do. Please call us on 020 7907 4520 or email lunchminimeetings@inspiredadvice.co.uk to book or for more information.
December 2010 (Back To Top)
Tricky 2010, trickier 2011?
It hasn’t been the best of years for most people due to the drawn out effect of the recession and nervous markets. 2011 is likely to be a difficult year too.
It is worth remembering that money invested in equities on a monthly basis can actually benefit from market volatility – please read this piece on pound cost averaging. It is also important to ensure you review the risk profile of your pensions and investment funds regularly to make sure they are in line with their your own views on risk.
We can discuss any aspect of this with you and aim to have you in the strongest position to come out of the other end of the current downturn. We are able to help establish a personalised risk level for you and use this to review your existing funds.
Please call us on 020 7907 4520 or use our contact form for more information.
November 2010 (Back To Top)
Green Advice
Our industry has been talking for years about the concept of a paperless office, needless to say it has never quite materialised!
We try wherever possible to limit our paper use and only print off the bear minimum but there still seems to be way too much. The use of email to send pdf documents helps and we are trying to encourage the insurance companies to limit the amount of paper based information they send us – especially the unnecessary duplicates of everything!
We can now arrange online meetings with our clients. We send you a weblink for you to click on and within seconds you’re in our virtual waiting room. I can then join you on line and we can chat over our computer microphone and speakers. You’ll be able to see my screen so I can show you your client records, my research and anything else we want to share. This means no travelling so no impact on the environment and it saves time.
These are the other things we are doing to limit our firm’s impact on the environment…..
• Business cards printed on 100% recycled card
• Letter headed paper printed on 100% on recycled paper
• All general paper, envelopes and brochures are sent for recycling with ‘The Laundry’
• All confidential paperwork is recycled using TheFirstMile’s secure shredding service
• We have our toner cartridges refilled and inkjet cartridges recycled
• We have signed up to the ride to work scheme and all cycle into the office (most days!)
• We have a ‘bag for life’ to use when we pop out of the office for sandwiches!!
Please let us know if there are any other suggestions for us to implement!
We also have access to a wide range of investment and pension funds which invest based on ethical and environmental criteria. If you would be interested in more information on this area please get in touch.