Welcoem to posts!!
in the future - u will be able to do some more stuff here,,,!! like pat catgirl- i mean um yeah... for now u can only see others's posts :c
The number of Bots trying to scam people in the comments section of YouTube has been rising, and - as you can see in this image - they are getting more and more sophisticated.
The risk of financial fraud is real, whether that be via YouTube, email or over the phone.
It's not just elderly people who are vulnerable. As AI continues to improve, these scams will evolve rapidly and get harder and harder to spot.
To raise awareness about this issue and how to protect yourself, I'm going to be dedicating an upcoming video to the topic of online financial fraud.
Therefore, if you or a family member has been a victim of online financial fraud and would like to share your story to help raise awareness, I would love to hear from you.
You can either leave a comment below or email me: onlinefraud@james-shack.co.uk
To be clear, I will never contact you directly to offer financial planning advice or any other services. If you ever want advice or to work together, there is a link in the description of my videos where you can get in touch.
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From an investing standpoint, it was an uneventful autumn budget compared with what had been rumoured. But there are some welcome quality-of-life changes for DC pensions and ISAs.
ISAs:
- No change to ISA allowances
- Fractional shares will be allowed
- You will be able to open and contribute to multiple ISA accounts each year (previously, you could only pay into one ISA of each type each year) up to the maximum of £20,000 per year across all accounts
- Increasing the minimum age for an adult ISA from 16 to 18. This aligns it with the Junior ISAs that can be used until 18.
Defined Contribution Pensions:
A commitment to allow employees to elect for their company pension contributions to be paid into a pension of their choice rather than having to go into the company's default scheme.
This is a very welcome quality-of-life change. Hopefully, this means that we can have one pension for life instead of having to set up a new one every time we change jobs.
It will take the govt/pension providers/employers some time to work out how this works in practice, so don't expect this to be an option in the near term.
Question: Will you elect to have your pension contributions paid to a pension of your choice?
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How would you rate your financial literacy compared with the other people who are likely to vote on this poll (viewers of my channel)?
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The UK headline inflation rate has fallen from 8.7% in May to 7.9% in June.
When inflation falls, what has happened to prices?
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Spring Budget: I will be releasing a video on Thursday assessing the changes in the budget and what it means for your money.
It looks like they will be (yet again) moving the goalpost for pensions, so there will be lots to discuss!
Question: If they increase the pension Lifetime Allowance (currently £1,073,100) or increase the amount you can put back into a pension once you're already started drawing it (MPAA currently £4,000) would it encourage you to return to work or work for longer?
Please let me know your reasons down in the comments.
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Hi Guys. My apologies there was an error in the video I just uploaded 🤦🏻♂️. I’ll get it fixed and re-upload tomorrow. See you then!
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There are two companies you can choose to invest in, Company A and Company B. They are identical in every way, they have the same assets, revenue and expected future earnings. The only difference is that Company A typically pays a 5% dividend.
As a retiree that's looking to generate an income, which company would you rather invest in?
(The answer will be discussed in my video tomorrow)
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Are you planning on using part of your private pension to pay off your mortgage?
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Hi Team, I have a BEAST of a Video for you tomorrow!
To decide whether you should be using spare cash to overpay your mortgage or using it to invest we need to know three things:
1) What return do we expect stocks and other investments to deliver in the future?
2) What are the risks?
3) Are you comfortable with those risk?
These are the questions we will be tackling tomorrow. Just finished editing - and I've done over 100 different slides for you!
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The UK Economy has grown by 9.83% over the last year.
GDP is normally quoted in real terms where inflation has been stripped out. But in times of high inflation, it's important to remember that the economy will grow rapidly in nominal terms.
Over time this will filter into wages and asset prices.
www.ceicdata.com/en/indicator/united-kingdom/nomin…
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A financial planner making videos about Money, Financial independence and living a good life.
Disclaimer: All of my views are my own, and not representative of any company. Any personal opinions, ideas, and tips represented on this channel should not be seen as financial advice or a recommendation to take any specific course of action.
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Copyright © James Shackell 2014. All rights reserved.
The author asserts their moral right under the Copyright, Designs and Patents Act 1988 to be identified as the author of this channel and any video published on it.