Money
Digital tools for smarter property sales – Finance Monthly
There’s no escaping the fact that the last two decades have represented a revolution in the way we manage our money. You don’t have to go back far to see transactions made primarily in cash for example, with bills paid via cheques sent through the post.
Technology has had an impact not just on our day-to-day finances, but on the bigger financial landscapes too, changing the way we save and invest, manage our pensions and buy and sell property. Let’s take a look at how technology can be used to streamline our experience of the housing market.
Budgeting and expense tracking
Before you can even think about buying a new home, you’ll need to get on top of your income and expenditure to see how much you can afford to spend and to prepare for any mortgage application you might need to make.
Gone are the days though when personal finance was managed solely with spreadsheets and notebooks. Digital budgeting and saving apps like WithPlum.com have revolutionised how people manage their day-to-day expenses, meaning you can now automatically categorise spending, set financial goals and manage your bills all from your phone.
Once you know where you stand, you can go online to search and compare mortgage deals and work out how much you’ll be able to borrow and where to get the best deal.
Different ways to buy and sell
Technology has created a whole host of new ways to buy and sell property, from online estate agents to cash home-buying services like Sold.co.uk. This platform offers a streamlined process for selling properties, leveraging technology to connect with sellers, and eliminating many of the traditional hurdles associated with property sales, such as lengthy paperwork and prolonged waiting periods.
Digital property marketplaces
Twenty years ago we’d never have imagined that it would be possible to take a tour of a house without even leaving your sofa, yet now we have access to all kinds of amazing tools plus real-time market data, meaning buyers can make much more informed decisions. Digital property marketplaces have simplified the process of buying and selling homes. With so many competing pressures on our time and money nowadays, being able to browse and shortlist potential new homes online is incredibly valuable.
Automating the homebuying process
Automation in property transactions is another way in which technology is helping to reduce the time and effort required to complete a sale. Features such as automated valuation models (AVMs) and electronic document management systems from ThomsonReuters.co.uk streamline the process, making it more transparent and less prone to errors.
Future trends
With the use of AI increasing exponentially, and the use of blockchain technology becoming more widely accepted, we’re sure to see all kinds of advances and innovations in the property market over the next few years. For instance, AI could provide even more personalised financial advice, while blockchain technology could enhance the security and transparency of property transactions.
The digital revolution is undeniably reshaping the landscape of personal finance and property transactions and as technology continues to advance, embracing these digital tools will be crucial for anyone looking to manage their finances more effectively and make the most of their assets.
Money
Should investors make the most of stocks’ seasonal weakness?
The summer is often choppy and this year was no exception. Stocks were near all-time highs at mid-year with volatility close to all-time lows.
August then saw the worst one-day sell off since 2020 and early September the worst week since 2022.
The zig-zag pattern is continuing, with investors worried about the risk of recession in the US. With global growth slowing and inflation cooling off, we are in a reflation phase, in which central banks usually lower interest rates and government bonds do well.
It’s a harder call for stocks.
If a recession is in the offing, the first Federal Reserve rate cut can signal the start of a bear market. If growth remains firm and rates are cut for inflation reasons, it can be bullish. Time will tell. In the meantime, we have a broadly neutral view on stocks while favouring bonds over commodities.
Most likely, stocks will come out of the summer doldrums on a positive footing, but things may get worse before they get better
Averages can hide a lot of information but September is historically the worst month of the year for stocks, with returns falling short of cash by 1.7% since 1986. Over the last five years, stocks have underperformed cash on average by 3.5% in September.
We put seasonal weakness down to the fact it’s hard for investors to get a good take on earnings trends during the quieter summer months and market liquidity isn’t great.
The business cycle has been particularly hard to read this year, with the post-pandemic swings in growth and inflation behind us.
The onset of Covid-19 was like a rock thrown into the pond and the waves are only just settling. Global growth has been steady this year, with a strong US economy making up for softness elsewhere.
Averages can hide a lot of information but September is historically the worst month of the year for stocks
Meanwhile, inflation is back in a range consistent with central bank targets. Investors were hoping central banks would cut rates for inflation reasons, but a run of weaker manufacturing data and US jobs reports is testing nerves.
We wouldn’t be surprised to see further volatility in the near term, especially with a contentious and close fought US election in the background. That said, our base case is that, true to seasonal form, stocks will rally into the New Year on the back of Fed rate cuts and more reassuring US data.
Investor sentiment can be a useful tool for timing moves back into stocks. Three times in the last year, we’ve seen our composite sentiment indicator move into overly bearish territory and, each time, the market has rallied.
In October and April, the sell-off was due to geopolitical risk and, in August, on concerns around the health of the US economy and a surge in the yen that triggered a disorderly unwind of carry trades.
The business cycle has been particularly hard to read this year, with the post-pandemic swings in growth and inflation behind us
Stocks saw four weeks of declines with volatility spiking to the second highest level since the global financial crisis. Depressed investor sentiment again signalled the lows and markets recovered quickly.
For active investors who can be nimble, volatility can be an opportunity, but we’d trade equity exposure around a neutral position until we know more.
For now, we have higher conviction on a positive view on government bonds and a negative view on commodities. We don’t currently expect a US recession, as service sector activity remains strong and interest rates have been on hold rather than rising.
Most likely, stocks will come out of the summer doldrums on a positive footing, but things may get worse before they get better.
Trevor Greetham is head of multi asset at Royal London Asset Management
Money
Channel 4 star WINS fight to keep bikini sunroom she built in garden of £4million home after neighbour spy row
CELEBRITY interior designer Celia Sawyer has won her planning dispute over a luxury sunroom she built without permission in the garden of her Sandbanks home.
The star of Channel 4’s Four Rooms had the glass-walled building with a retractable roof installed in 2020.
The sunroom backs on to Poole Harbour and even has a small sandy ‘beach’ in front of it with sunbeds on.
Mrs Sawyer, known as Mrs Bling, has regularly posted pictures on Instagram of herself lounging in the 21ft by 15ft room wearing a bikini or thigh-splitting skirts.
Last year the 58-year-old became embroiled in a row with nextdoor neighbour Neil Kennedy over a first floor balcony he had built without planning permission.
She claimed that it breached her privacy as he was able to look down to the bottom of her garden where she sunbathes.
Mrs Sawyer and her husband Nick lost out in the dispute when BCP Council granted Mr Kennedy retrospective planning permission that allowed him to keep his balcony and other alterations he had done.
Afterwards the council received an anonymous tip-off informing them that Mrs Sawyer’s sunroom had been built without permission.
Officials contacted her and told her she had to submit a retrospective planning application for it.
She faced having to tear it down if it was rejected.
A council case officer has now granted her planning approval saying they were satisfied the building did not cause any harm to the area.
Planning officer Emma Woods said the sunroom wasn’t visible from the street and can only be seen from the water and neighbouring properties.
She said the sunroom is “open in nature” and “does not appear at odds with its surroundings” pointing out that many waterside properties have outbuildings like boat houses.
She noted it is about 3ft from Mr Kennedy’s property but it is not overbearing due to its modest height and open nature.
What are your retrospective planning permission rights?
A local planning authority can request a retrospective application, according to Gov.uk.
You should submit your application without delay.
Although a local planning authority may invite an application, you must not assume permission will be granted.
A person who has undertaken unauthorised development has only one opportunity to obtain planning permission after the event.
This can either be through a retrospective planning application or an appeal against an enforcement notice – on the grounds that planning permission should be granted or the conditions should be removed.
The local planning authority can decline a retrospective planning application if an enforcement notice has previously been issued.
No appeal may be made if an enforcement notice is issued within the time allowed for determination of a retrospective planning application.
She said: “The design retains a sense of openness and is considered to fit comfortably with the established character and appearance of this stretch of the shoreline.
“Overall it is considered that the development respects the amenities and privacy of the occupants of the neighbouring properties.”
The council only received one representation from a neighbour who said the sunroom was well designed and made a positive contribution to this part of the harbour.
Mrs Sawyer was granted the retrospective planning application with condition that the sunroom must not be used for habitable accommodation.
Money
M&G boosts real estate finance team with new hire
Edwards Boots will work alongside the existing origination team and the firm’s 50-strong platform in Amsterdam, Frankfurt, Madrid, Milan, Paris and Stockholm.
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Money
Quality Street brings back long gone fan-favourite flavour for second Christmas after decades off shelves
NESTLE is bringing back a Quality Street fan-favourite for the second Christmas in a row.
The coffee creme flavour chocolate was last seen in Quality Street tubs over 20 years ago, until the chocolatier reintroduced it last year.
Nestle has confirmed that the sweet treat will be available once again this Christmas.
However, fans won’t find the iconic flavour in the usual Quality Street tubs.
Instead, the coffee-flavour fondant wrapped in dark chocolate will join the 11 other Quality Street sweets at pick and mix stations across selected John Lewis stores in the UK.
The first pick and mix station opened today (September 25) at John Lewis’s flagship store on Oxford Street.
Other participating stores will begin rolling out the sections throughout October.
However, if you don’t live near a John Lewis, you can still get your hands on Quality Street’s coffee creme chocolates.
They will also be available in a limited-edition cracker at Waitrose and John Lewis stores for £5.50.
Shoppers can also buy a bag of coffee creme chocolates to add to their current Quality Street tins for £4.50.
Emily Grimbley, brand manager for Quality Street, said: “It’s a pleasure to share the news that coffee creme will be returning for Christmas 2024.
“This is an absolute fan favourite, and we are delighted to have it on shop shelves for Quality Street fans nationwide.
“We know how passionately Quality Street fans feel about their favourite sweets, so the pick and mix stations at John Lewis are people’s chance to fill up their own bespoke mix with just the sweets that they and their friends and family love.”
Fans of the discontinued chocolate will be delighted to hear it is making a comeback.
LOCATIONS OF JOHN LEWIS’ PICK & MIX
SHOPPERS can create their own bespoke collection of Quality Street favourites to take home, or gift, this Christmas at the pick and mix stations.
These will be located at the following John Lewis stores from September 25:
- Bluewater
- Cambridge
- Cardiff
- Cheadle
- Cribbs Causeway
- Edinburgh
- Glasgow
- High Wycombe
- Kingston
- Leeds
- Leicester
- Liverpool
- Milton Keynes
- Newcastle
- Nottingham
- Oxford Street
- Peter Jones (Sloane Square)
- Solihull
- Southampton
- Trafford
NEW TINS FOR 2024
Nestlé, has launched a new version of its 813g Quality Street tin for sweet-toothed customers this winter.
The £12 tub features all the usual classic flavours and plays on Quality Street’s Halifax heritage – where it was first manufactured in 1936 and still is.
The 813g Quality Street tin is available now across a host of retailers nationwide including Asda, Co-op, Morrisons, B&M and Sainsbury’s.
This is the full list of chains you can get it from:
- Asda
- Co-op
- B&M
- Morrisons
- Nisa
- Ocado
- Sainsbury’s
- Booths
- Spar
- Waitrose
But despite the shiny nature of the new tub, which contains 471 calories per 100 grams, plenty have been left saying one thing in particular – how they want the old wrappers back.
It comes after the chocolatier scrapped its old packaging in October 2022 and replaced it with eco-friendly waxed paper wrappers.
Commenting on the Nestlé post, one shopper said: “Yesterday I bought a box and I was surprised.
“Plastic and the paper (packaging) is so ugly and cheap.”
Another commented: “Please can we also have the old wrappers back. Those ones from last year were truly awful.”
A third added: “Nice tin but sadly the sweets and wrappers are dreadful now.”
But not all shoppers are downbeat about the new tin.
One said “I love the more traditional look” while another added “beautiful tin. Would love one”.
Meanwhile, a third piped up: “Love it!”
Shoppers can pick up the new 813g tin for £12, £1.48 per 100g, which can obviously be reused after all the chocolates have been eaten.
However, if you’re not fussed about the nostalgic tin, you’ll pay less going for a different tub or packet.
Shoppers can pick up a plastic 600g tub from Tesco for £4.50 – 75p per 100g – if you’ve got a Clubcard.
You can also pick up a 357g sharing bag of Quality Street from B&M for just £4 – £1.12 per 100g.
The launch of Quality Street’s new tin comes after a number of other retailers started stocking Christmas bits.
Tesco shoppers have been rushing to get their hands on Celebration tubs with just one iconic flavour in recent weeks.
Meanwhile, customers have been left in shock after B&M launched its new Christmas range.
SAVE MONEY AT THE SUPERMARKET
THERE are plenty of ways to save on your grocery shop.
You can look out for yellow or red stickers on products, which show when they’ve been reduced.
If the food is fresh, you’ll have to eat it quickly or freeze it for another time.
Making a list should also save you money, as you’ll be less likely to make any rash purchases when you get to the supermarket.
Going own brand can be one easy way to save hundreds of pounds a year on your food bills too.
This means ditching “finest” or “luxury” products and instead going for “own” or value” type of lines.
Plenty of supermarkets run wonky veg and fruit schemes where you can get cheap prices if they’re misshapen or imperfect.
For example, Lidl runs its Waste Not scheme, offering boxes of 5kg of fruit and vegetables for just £1.50.
If you’re on a low income and a parent, you may be able to get up to £442 a year in Healthy Start vouchers to use at the supermarket too.
Plus, many councils offer supermarket vouchers as part of the Household Support Fund.
Money
The Morning Briefing: Women favour savings and getting younger people involved
Good morning and welcome to your Morning Briefing for Wednesday 25 September 2024. To get this in your inbox every morning click here.
Women favour savings
Almost half of women (46%) are deciding to hold their long-term savings in a savings account instead of “more tax-friendly options” such as a pension or Isa.
This is according to research by Scottish Friendly and the Centre for Economics and Business Research (Cebr).
The research also found 33% of men opt to use pensions, compared to 24% of women.
Getting younger people involved
Becoming a financial adviser was not a lifelong career wish for me, says Samuel Allen.
Indeed — unlike those who dreamed of growing up to be a doctor or a sports star — few of us, I expect, aspired to be a financial planner.
Perhaps this is to be expected, given the relative profile of advisers. But this observation got me thinking about the visibility of our profession to young people, from the perspective of both the next generation of recruits as well as prospective clients.
In Conversation With Rory Albon
In this In Conversation With… episode, Kimberley Dondo chats with Rory Albon, founder of Albon Financial Planning.
Rory shares his journey to launch his firm and his approach to investment optimisation, retirement planning, and financial well-being.
He offers insights into balancing saving and investing, managing tax efficiency, and safeguarding assets through tailored insurance solutions.
Tune in now:
Quote Of The Day
It would be highly risky to legislate for particular investment allocations.
– Steven Cameron, pensions director at Aegon, comments on the government’s pension investment review, which closes today (25 September)
Stat Attack
New research from GraniteShares, a global issuer of Exchange Traded Products (ETPs) with more than $7bn under management, found IFAs and wealth managers are increasingly positive on the UK stock market.
85%
Predict the FTSE 100 will close higher this year compared with last year
96%
Believe clients will increase their trading in UK shares in the year ahead
67%
Say clients will dramatically increase their level of trading
29%
Say they will slightly increase their level of trading
66%
Believe clients will dramatically increase trading in European shares
28%
Believe they will slightly increase trading
23%
Expect a dramatic increase in levels of trading of US stocks
58%
Predict a slight increase
12%
Expect a dramatic increase in trading of Asian stocks
65%
Expect a slight increase
Source: GraniteShares
In Other News
Benefits Guru has announced its tenth annual Workplace Pensions and Auto Enrolment ratings following Pension Awareness week.
This year’s ratings have a record number of overall gold awards, which demonstrates the industry’s strength within the pensions market.
Benefits Guru’s analysis has over 12,000 data points, and each year it includes ten categories of special interest or relevance.
The annual ratings are designed to assist advisers and employers in their decision-making process and highlight which providers perform strongest in different areas of their pension propositions.
Nine providers have been awarded overall gold awards across 24 product offerings. This includes a new entry for Aegon’s TargetPlan GPP offering.
Standard Life’s Group Flexible Retirement Plan was the only offering to achieve a clean sweep of overall gold awards, and underlying gold awards in all sub-categories across both the Workplace Pension and Auto-Enrolment Ratings.
In addition to benchmarking against existing criteria, such as member app & portals and auto-enrolment functionality, this year saw the introduction of additional benchmarking criteria.
Cushon, Nest and The People’s Partnership asked to not be included in this year’s rating.
PwC UK partner pay falls to £862,000 as growth slows (Financial Times)
Starmer signals Budget welfare squeeze to tackle ‘worklessness’ (Bloomberg)
US accuses Visa of monopolizing debit card swipes (Reuters)
Did You See?
It may be surprising, but it appears more people have considered becoming a senior paraplanner than a financial adviser, says Amanda Newman Smith.
Research from recruitment platform Indeed, with the St. James’s Place (SJP) Financial Adviser Academy, found just 4% of respondents had considered becoming a financial adviser, while 9% had considered becoming a senior paraplanner.
The research looked at attitudes towards careers among over 4,000 UK workers, highlighting a good salary, work/life balance and the opportunity to work from home as factors that create the ideal role.
This data was combined with job searches to produce a list of 10 of the best careers people have never considered. Senior paraplanner was second on the list, while financial adviser was fourth.
Money
Martin Lewis issues message to all pensioners over winter fuel payments
MARTIN Lewis has issued a message to all pensioners over winter fuel payments.
The MoneySavingExpert (MSE) founder is urging households to check if they could be entitled to Pension Credit and unlock the winter fuel payment.
Pension Credit is a government benefit made up of two parts, with one designed to top up your weekly income to a minimum amount.
Ordinarily, you have to be earning under around £218 a week if you are single or roughly £333 a week if you are a couple to qualify.
However, you can still qualify if you earn over these amounts and meet certain other criteria like being on disability benefits, needing extra money to cover housing costs or having a certain amount of savings stashed away.
In the latest MSE newsletter, Martin is urging pensioners not to assume that they won’t qualify.
He said: “Pension Credit is a critically underclaimed top-up of the state pension for those on lower incomes that I’ve been urging people to check out for over a decade.
“On average it’s worth £3,900 a year. Yet over 800,000 eligible pensioners likely still miss out.”
Martin added that it’s more important than ever check your eligibility for pension credit because it qualifies you for the winter fuel payment.
This is because in July the Government announced that only those who claim Pension Credit will receive the Winter Fuel Allowance, which is worth up to £300 a year.
It comes after one Martin Lewis fan has revealed how a quick check helped her mother realise she was eligible for Pension Credit.
Those who claim are also entitled to a free TV licence, help with NHS dental treatment and glasses.
What is Pension Credit and who is eligible?
Pension Credit is a government benefit designed to top up your weekly income if you are a state pensioner and on a low income.
The current state pension age is 66.
There are two parts to the benefit – Guarantee Credit and Savings Credit.
Guarantee Credit tops up your weekly income to £218.15 if you are single or your joint weekly income to £332.95 if you have a partner.
What will I get when I claim Pension Credit?
SOME people will receive thousands of pounds once they claim Pension Credit, while others will be given just pennies.
But it is still worth making a claim either way as it opens the door to more financial help.
Once you claim Pension Credit you may receive:
- Housing Benefit if you rent – worth thousands a year.
- Mortgage Interest support – on up to £100,000 of your mortgage or loan.
- Council tax discount – worth thousands each year.
- Free TV licence if you are aged over 75 – worth £169.50 a year.
- NHS dental treatment, glasses and transport costs for hospital appointments help.
- Royal Mail redirection service discount – worth up to £48.
- Warm Home Discount if you get Guaranteed Pension Credit – worth £150.
- Cold Weather Payment – worth £25 for every seven day period of cold weather between November 1 and March 31.
- Winter Fuel Allowance – worth up to £300 a year.
Savings Credit is extra money you can get if you have some savings or your income is above the basic state pension amount – £169.50.
Savings Credit is only available to people who reached state pension age before April 6, 2016.
Usually, you only qualify for Pension Credit if your income is below the £218.15 or £332.95 thresholds.
However, you can sometimes be eligible for Savings Credit or Guarantee Credit depending on your circumstances.
For example, if you are suffering from a severe disability and claiming Attendance Allowance, as well as other benefits, you can get an extra £81.50 a week.
Meanwhile, you can get either £66.29 a week or £76.79 a week for each child you’re responsible and caring for.
The rules behind who qualifies for Pension Credit can be complicated, so the best thing to do is just check.
You can do this by using the Government’s Pension Credit calculator on its website.
Or, you can call the Pension Service helpline on 0800 99 1234 from 8am to 5pm Monday to Friday.
Those in Northern Ireland have to call the Pension Centre on 0808 100 6165 from 9am to 4pm Monday to Friday.
It might be worth a visit to your local Citizens Advice branch too – its staff should be able to offer you help for free.
What is the Winter Fuel Payment?
Consumer reporter Sam Walker explains all you need to know about the payment.
The Winter Fuel Payment is an annual tax-free benefit designed to help cover the cost of heating through the colder months.
Most who are eligible receive the payment automatically.
Those who qualify are usually told via a letter sent in October or November each year.
If you do meet the criteria but don’t automatically get the Winter Fuel Payment, you will have to apply on the government’s website.
You’ll qualify for a Winter Fuel Payment this winter if:
- you were born on or before September 23, 1958
- you lived in the UK for at least one day during the week of September 16 to 22, 2024, known as the “qualifying week”
- you receive Pension Credit, Universal Credit, ESA, JSA, Income Support, Child Tax Credit or Working Tax Credit
If you did not live in the UK during the qualifying week, you might still get the payment if both the following apply:
- you live in Switzerland or a EEA country
- you have a “genuine and sufficient” link with the UK social security system, such as having lived or worked in the UK and having a family in the UK
But there are exclusions – you can’t get the payment if you live in Cyprus, France, Gibraltar, Greece, Malta, Portugal or Spain.
This is because the average winter temperature is higher than the warmest region of the UK.
You will also not qualify if you:
- are in hospital getting free treatment for more than a year
- need permission to enter the UK and your granted leave states that you can not claim public funds
- were in prison for the whole “qualifying week”
- lived in a care home for the whole time between 26 June to 24 September 2023, and got Pension Credit, Income Support, income-based Jobseeker’s Allowance or income-related Employment and Support Allowance
Payments are usually made between November and December, with some made up until the end of January the following year.
Do you have a money problem that needs sorting? Get in touch by emailing money-sm@news.co.uk.
Plus, you can join our Sun Money Chats and Tips Facebook group to share your tips and stories
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