David Johnson at The Financial Guys
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Friendly expert advisers across the UK who make it really easy to look after your loved ones β no
UK interest rates have been left unchanged at 5.25% by the Bank of England in a surprise move last week.
This is a possible sign that the Bank feel that inflation is started to head in the right direction, and that the cost of living may start to fall.
If you're worried about your finances don't forget that our team are always happy to have an informal chat.
π» thefinancialguys.co.uk
π 0333 012 4574
Thatβs the main man off to reception. We did it parents!!! π¦ΈββοΈπ¦ΈββοΈ
Another 6 weeks survived πͺπ₯΅
Great to see all the back to school photos. The kids with their shiny shoes, Dads choking back the tears and M**s deep in thought whether to have a Prosecco to celebrate.
Youβve earned it lasses!! π₯
But now youβve got that spare time. Would it be worth a free chat about how you protect those wages for the new shoes every year? Or make sure you have someone in place to do the school run if you werenβt around anymore?
Wills and Financial protection. Itβs an education us parents really need π¨βπ«
βοΈ 07789689325
π§ [email protected]
Continued Professional Development (CPD) is vital to making sure my clients get the best outcomes from my advice. As a regulated advisor I have to complete a minimum amount each year to maintain my license.
Today I have been increasing my knowledge on the Consumer Duty updates which have came in from the FCA. Safe to say you are all in good handsπ
Not long now β°
World Cup final and what an achievement for the ladies game. Talk about goal setting.
Positive attitude β
Accountability β
Now time for Recognition π
Haway the lasses! π
Good luck to England Lionesses today in their World Cup Semi Final vs Australia π¦π
This week at The Financial Guys we are celebrating World Wellbeing Week!
Life is unpredictable, and sometimes circumstances can force us to take time off work. Whether it's due to illness, injury, or any other unexpected event, being off work can have a significant impact on your financial stability. That's why it's crucial to safeguard your income with reliable income protection.
Income protection acts as a safety net, providing you with financial support when you need it the most. It ensures that even if you're unable to work temporarily, you can still cover your essential expenses, take care of your loved ones, and maintain your standard of living.
Reach out to us for more information
π» https://buff.ly/3QbycX6
π 0333 012 4574
πππ¦π π₯ππ§π π₯ππ¦ππ¦: The Bank of England has raised the base rate to 5%, a bigger increase than expected as it continues to try to reduce inflation.
πͺππ¬ πππ¦ ππ§ ππ’π‘π π§πππ¦?
Higher interest rates are intended to lower inflation, by giving mortgage-holders less to spend - but at the moment itβs not working as much as the Bank of England would like as inflation remained at 8.7% in May.
πͺππ¬ ππ¦ ππππ ππ‘ππππ§ππ’π‘ π πππ π§πππ‘π?
Inflation is the rate at which the cost of living rises - youβll probably have noticed things, such as the supermarket shop, are getting more expensive and inflation is the reason. If it continues to rise itβll mean your purchasing power will reduce unless you get a pay rise.
π» www.thefinancialguys.co.uk
π 0333 012 4574
MORTGAGE NEWS & UPDATES
The number of mortgage deals available fell this weekend to the lowest level since March, according to financial data analyst Moneyfacts.
Many lenders have made changes to their products, increasing their fixed rate deals or withdrawing products all together.
If you are one of the 116,000 households with fixed rate deals that are due to end this month now is the time to seek expert help to secure yourself the most appropriate deal.
Our team at the The Financial Guys can offer you expert advice to make sure you make the best decision for you and for your family.
Critical Illness Cover: A subject that is hard for families to broach, however an important one nonetheless.
If you have any questions regarding Critical Illness Cover, then please feel free to contact me to chat about it more.
Life Insurance: Why is it so important?
A great offering from Royal London and the Thrive:Mental Wellbeing App which is NHS approved to help you prevent, detect and self-manage mental health conditions Working alongside their other support features through Helping Hand including 24/7 access to GP consultations.
The Legal Bit π
**Helping Hand is a non contractual benefit which can be removed at any time and protection should not be taken out based on additional benefits.
A great offering from AIG and the Smart Health App for you and the family "20% of the appointments are for the policyholder's children".
Working alongside their other support features such as nutrition and fitness plans to help support positive mental health.
The Legal Bit π
**Smart Health is a non contractual benefit which can be removed at any time and protection should not be taken out based on additional benefits.
A great offering from Aviva from their own Digi Care+ App with appointments "on average within two working days".
Working alongside their other support features such as the Annual Health Check, Nutrition Consultations and savings on gym memberships to help support positive mental health.
The Legal Bit π
**Digi Care+ is a non contractual benefit which can be removed at any time and protection should not be taken out based on additional benefits.
This week is Mental Health Awareness Week with the topic this year of Anxiety.
Something I'm very passionate about but stats show that not many people know that they can get free support from their insurance provider and even less are using it.
With a huge backlog within the NHS it is often quicker to go through those free benefits that can even cover your children too. Mental health is the 2nd most common disclosure for underwriting behind asthma taking up 1/3 of disclosures alone.
Throughout the week I will be posting a couple of providers per day to highlight just how you and your family can benefit from the fantastic support on offer πππ
This week has seen Skipton Building Society launch the UK's first no deposit, 100 percent mortgage product aimed at helping renters to get onto the property ladder.
What does this mean? Is it right for you? Our mortgage adviser David tells you more.
π» www.thefinancialguys.co.uk
π 0333 012 4574
Happy Coronation Day for King Charles III
Long gone are the days where getting a mortgage meant you had to stay with the same lender for the full term of your mortgage.
Here at The Financial Guys, our approach will show you how remortgaging every time your tied-in deal comes to an end- you can save thousands over the term of your mortgage life.
With our approach, we make sure all of the leg work is done well before your deal comes to an end, ensuring a seamless transition onto a new deal- or in some cases switching to a new company.
Let us do all the work, just get in touch today and let's start saving you money.
https://thefinancialguys.co.uk/
Happy Mothers Day everyone β€οΈππ§‘
Weβre not playing games ya na! No1 in the network of hundreds of businesses.
Huge congratulations to the whole team π
In this business we have the 3 Cβs.
βοΈ Culture- Positivity and supportive
βοΈ Commitment- To doing the right thing and going further for ourβ¦
βοΈ Clients - Who are at the heart of everything we do.
International Womenβs Day 2023.
Huge respect and love to you all.
Great networking today at Spanish City getting to meet local businesses from across North Tyneside and sorrounding areas.
I didnβt get any pics but I did get some beautiful macarons π
Monday Motivation. Have a great week!
A wet and muddy one this morning walking along Hadrians Wall to Sycamore Gap with the BNI Northumbria gang.
Great way to get the steps in while talking all things business.
πππ
Keep going, keep growing
Sunday is family day in our house. The only day I donβt work and keep it clear to make sure Iβm spending quality time to relax and be ready for another busy week.
Today we had a little wander from North Shields fish quay to Tynemouth Market
How did you spend your weekend?
Own a business?
What would happen if a key member of your staff were to be unable to work? Here my fantastic colleague Kieron Hogg at The Financial Guys talks about Key Persons Cover.
Today is World Cancer Day. A day to spread awareness as everyone has been affected by cancer in some way.
On average someone is diagnosed with cancer every 90 secs in the UK. Due to covid there has been 2.5 million missed screenings*
For just Β£3 a month (less than a Costa βοΈ) you could cover yourself and your children with Global Treatment. GT gives you the choice of the best treatment around the world π
For more info hereβs a video link or get in touch
https://vimeo.com/367978619
βοΈ 07789689325
π§ [email protected]
*Source Global Treatment Webinar Feb 2023
Itβs amazing how powerful you can be with self belief. Often the biggest struggle to have but when you believe you can and know you can then nobody can stop you.
Have a productive and powerful week π
Fantastic meeting this week discussing how to not only build our own businesses but support others and even the local community. All based around the velocity of money.
Yesterday we had our first Regional Team meeting of the year and it was exciting to welcome new faces that want to be a part of growing the business network in this region to benefit more members.
We have new chapters launching this year with the aim of putting at least Β£1 million of invoiced business in the local economy per chapter each year! 2023 is going to be the year for businesses in the North East, do you want to be part of our vision too? π
IβM BACK!
Goals set β
Plans written β
Chocolates gone π« π₯Ή
Happy New Year π₯³ Huge thank you for all the support over 2022 to my clients and page followers. This year I want to advise, support and guide as many people as possible with all things finances.
I would love it if you could help me grow the page. Likes, comments and shares all help with the algorithm so I can take this self employed role to the success I want it to be.
If there are any pages you think I should be following then please let me know.
Letβs rock 2023 together π
I've just reached 100 followers! Thank you for continuing support. I could never have made it without each and every one of you. ππ€π
Did you know you could protect your income for the same amount you pay for your car insurance or even less?
In 2021 Go Compare figures say average car insurance was Β£46.75 per month. Thatβs for a lump of metal!
How much are you worth to make sure all your bills are paid each month if you couldnβt work?
Now and again there is confusion when a client thinks they have critical illness cover or income protection. So what is the difference?
Critical Illness Cover pays out a lump sum if you are diagnosed with a critical illness. Typically these are illnesses like cancer, heart attack, stroke and MS. Different providers offer different definitions which have to be met for a claim to be successful.
Income Protection will pay out a guaranteed income in the event that you are unable to work and will continue to do so until you either die, retire or are fit to return to work. There are cheaper options which cover for smaller benefit periods like 1,2 and 5 years.
This month we have had Income Protection Awareness Week. But what is it?
Income Protection is the jargon for sick pay π€
Itβs a type of protection policy that pays a regular income based on your salary when you are unable to work because of accident, injury or sickness π€’π€§π€
Depending on budget it can pay over different time frames including 1,2,5 years and even full term which will pay every month until your planned retirement age π΅π»
This week Iβll be doing my own IP awareness week to help you decide whether it is right for you π
Almost 1 million people in the UK have cancelled Netflix and similar streaming services this year as many people look at ways to reduce their monthly expenditure.
Do you think they offer good value? Have you cancelled? What are you looking to cancel to reduce your monthly costs?
Let us know in the comments below.
If you have any questions about mortgage please let me know and our team can answer them for you.
All feel free to follow our page π
Why Should I Have A Guardian In Place? - The Will Guys Thinking about leaving our children behind is a hard thought for any of us, but it is made harder knowing thereβs a chance they could still be very young when it happens. A lot of people understandably push this thought to the back of their minds, but itβs time to realise how important it is [.....
On a day where we remind ourselves to check in on one another and encourage ourselves to speak out.
Please remember that your protection policies often come with free additional benefits such as psychotherapy sessions, cbt, phobia and trauma therapy π
Do you feel that you are paying too much for your home insurance? Or feel your cover is not sufficient?
At The Financial Guys, we cover three main types of home insurance policies:
- Building β Covers the structure and all the fixtures and fittings
- Contents β Covers your belongings
- Combined Building and Contents
Content Insurance is something that everyone should consider having. If you rent a property your landlord would deal with the Buildings Insurance. Combined Buildings and Contents Insurance is only suitable for people who own their own homes.
Why not let us provide you with a quote. We could beat your existing policy on price, terms or even both.
Click here to claim your Sponsored Listing.
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30 Benton Road, High Heaton
Newcastle Upon Tyne, NE77DU
Friendly expert advisers across the UK who make it really easy to look after your loved ones β no
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Friendly expert advisers across the UK who make it really easy to look after your loved ones β no matter what lifeβs adventures have in store for you.
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Friendly expert advisers across the UK who make it really easy to look after your loved ones β no
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