Criminals in the UK are increasingly hijacking email and social media accounts to carry out scams, with reported losses rising to £6.3 million in 2025-26. Authorities warn the true scale may be higher, urging adoption of passkeys to improve security.…
Dave Ramsey’s Baby Steps prioritise debt reduction and emergency savings before focusing on dividend income, emphasising the importance of building a solid financial foundation first. Dave Ramsey’s Baby Steps put dividend investing much later in the wealth-building sequence than many…
Amid a surge of commercials promising effortless investing, experts emphasise that patience, discipline, and diversification remain the real keys to wealth, warning against the risks of shortcuts and speculative products. A recent wave of commercials promises that investing can be…
Effective retirement income planning requires a coordinated approach to managing different sources of funds, careful withdrawal sequencing, and regular review to ensure financial security and flexibility throughout retirement. Saving for retirement and spending in retirement are not the same discipline.…
Many employees overlook the importance of correctly transferring their Employees’ Pension Scheme (EPS) records when switching jobs, risking their future retirement benefits. Experts advise proper documentation and online transfer processes to preserve pension eligibility and maximise long-term income. Many salaried…
A critical diagnosis can quickly disrupt family finances; detailed planning around insurance and expenses is vital to manage the financial impact effectively. A serious diagnosis can upend family finances almost as quickly as it changes a household’s medical routine. Beyond…
Barclays has issued a warning to customers about a new scam involving fraudulent text messages that impersonate bank alerts, urging caution as Christmas spending fuels more opportunities for fraudsters. The bank advises verifying messages through official channels and practising patience…
Disaster-driven habits from the Great Depression, such as avoiding debt, keeping emergency savings, practising frugality and diversifying risks, are making a comeback amidst today’s economic uncertainties, offering vital lessons for modern households. The Great Depression did more than reshape the…
Union Minister Jitendra Singh will oversee the 17th Pension Adalat at the Indian Institute of Public Administration, aiming to streamline grievance redressal for pensioners through an expanded, government-led approach that resolves hundreds of long-standing complaints without court intervention. Union Minister…
With rising medical costs and changing employment landscapes, experts advise securing a dedicated personal health insurance policy to ensure comprehensive coverage and avoid costly gaps in treatment. Even if your employer provides health insurance, a separate personal policy can still…
India’s introduction of a 0.4% merchant discount rate on high-value UPI transactions may prompt consumers and merchants to shift towards cash and cards, potentially impacting the country’s expanding digital payments ecosystem, according to a recent survey. LocalCircles has said India’s…
Establishing routines with reminders, automation, and regular reviews can help consumers prevent late fees, maintain credit scores, and reduce financial stress in a busy digital era. Missing a bill payment once may feel trivial, but the costs can mount quickly…
