Should I worry about ‘Buy Now, Pay Later’?

Buy now, pay later schemes are becoming increasingly popular as firms such as Klarna and ClearPay partner with large online retailers ASOS and JD Sports, as well as many others. According to Statista, the usage of the Klarna app more than doubled between March and July of 2020, hitting over…

Aligning your spending with your values

Our values are an important part of who we are. There are certain things that many of us can’t avoid spending our money on, but for the most part, it feels good to put your money where your mouth is and support the industries, businesses and causes that you care…

Can money really buy happiness?

Some people say money can’t buy you love. They also say it can’t buy you happiness. But what if it could? Thanks to extensive research into both human behaviour and psychology, we can come to understand the objects and experiences that contribute most to people’s happiness. We can also decipher…

Are premium bonds still worth it?

With National Savings & Investments (NS&I) adjusting the premium bond prize-fund rate to just 1% in December of 2020, down from the previous 1.4%, around 21 million people saw their chances of winning fall. An impressive £99 billion worth of savings are currently held in NS&I premium bonds, and the…

4 financial goals for 2021

The beginning of a new year is a great opportunity to get on top of some of the tasks you’ve been putting off for a while. For some people that means a good detox after a Christmas cake binge, picking up the exercise routine that didn’t quite make it out…

The Charters Annual Summary – 2020: A year to control your emotions and take stock of what’s important

The investment management firm Morningstar recently released a fascinating study comparing what investors actually value about their financial adviser with what financial advisers think investors value about working with them. To get to the final findings 693 individual investors ranked a set of common attributes in order of importance. The…

Who are the ‘winners’ of Covid-19?

To talk in terms of ‘winners’ and ‘losers’ around the topic of a global crisis certainly risks downplaying the human impact of the pandemic. It cannot be ignored, however, that amidst the unquestionable tragedy, there are companies, industries and indeed entire nations who have either benefited or can be expected…
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