Financial advice and investment management firm One Four Nine Group has acquired Nottingham-based Castlegate Capital, marking a “crucial step” in its growth journey.

The deal is the 10th acquisition for One Four Nine Group and the first of 2024 following a significant period of focus to integrate all firms into the business fully.

The launch in late 2023 of One Four Nine Wealth was an important moment for the evolution of the business.

It provided a “robust platform” to begin uniting all regional locations under one brand identity and to ensure the delivery a consistent client service proposition across the UK.

One Four Nine Wealth is the financial planning arm of the business, operating alongside One Four Nine Portfolio Management.

Castlegate is an independent chartered financial planning business established in 2016 catering to private and corporate clients across the UK.

It will rebrand to One Four Nine Wealth upon completion of the transaction taking the group’s client assets to over £1.6bn with over 30 financial planners and around 5,000 clients.

One Four Nine Group, chief executive Gabrielle Beaumont said: “This is an exciting time of growth for One Four Nine Group.

“Investing heavily in the last 12 months in people, integration and client proposition across our regional locations has put us in a strong position to continue to attract some of the best firms in the market as part of our continued acquisition strategy.”

She said the Castlegate team was a “natural fit” for One Four Nine Group and shares its vision of building an “energetic, forward-thinking” financial planning business with a “clear focus on delivering excellent lifetime financial planning to clients”.

One Four Nine Group corporate development director Sanjay Lukka added: “The acquisition of Castlegate Capital is an important milestone for One Four Nine Group.

“Having joined the Group in August, I’m delighted that my first acquisition marks such a crucial step in our growth journey.

“This acquisition reinforces our commitment to expanding One Four Nine Group’s footprint in the Midlands and beyond.

“Castlegate Capital’s expertise and strong client focus aligns fully with our own, and I look forward to working alongside their talented team to continue to deliver more value to our clients.”

One Four Nine launched in October 2021 with the acquisition of two advisory firms – Charter Financial Planning and Rice Whatmough Crozier.

The group primarily targets accountancy firms and other professional services firms which own or have a joint venture with financial advice firms.

It also considers standalone advisory firms which reflect its “collaborative, innovative and professional values”.

This includes advice firms either already or wanting to become experienced in recommending tax efficient alternative investments.

THE chairman of Wetherspoons has issued a warning regarding impending price increases following Rachel Reeves’ Autumn Budget.

Tim Martin revealed that the pub chain’s tax bill is projected to rise by two-thirds next year.

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Martin said: “Cost inflation, which had surged to high levels in 2022, gradually diminished over the subsequent two years.

“However, it has now significantly increased again following the budget.

“All hospitality businesses, we believe, plan to increase prices, as a result.

“Wetherspoon will, as always, make every attempt to stay as competitive as possible.”

Wetherspoons anticipates that tax and business costs will increase by approximately £60 million over the next fiscal year, including an estimated 67% rise in national insurance contributions.

Last week, Rachel Reeves said she was raising the headline employer rate of National Insurance (NI) from 13.8% to 15%.

She also announced a reduction to the threshold at which businesses start paying NI contributions from £9,100 to £5,000.

The group, which runs nearly 800 pubs across the UK, said its sales grew by about 6% in the 14 weeks to November 3, compared with the same period last year.

With the cost-of-living crisis still hitting families hard, many people are picking up side hustles to make a bit of extra cash for Christmas.

Single mum Kate Propert, who lives in Bristol with her daughter, is one savvy saver who has done just that – and now she’s earning hundreds of pounds from her sofa.

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The 39-year-old, who works as a surgical care practitioner, has raked in £1,200 in the past year by selling old clothes on eBay.

She told The Sun: “This is the perfect way to help save for Christmas. I put some of my earnings from the marketplace into savings across the year, and this means I build up a pot to help fund the festive period.”

Having a little more money on top of her monthly salary helps take a bit of pressure off her squeezed family budget.

“My energy bills went up again from the start of October, and my weekly food shop has gone up too,” said Kate.

“That’s why selling on eBay is so great – as it means I can make some extra cash. As a single parent, every little helps.”

The entrepreneurial mum is a long time eBay lover. For almost a decade, she has been boosting her bank balance by selling stuff, but on a smaller scale.

She told The Sun: “I began my eBay journey back in 2015. My earliest sales were items from my wedding, including my dress, veil, shoes – as well as some bridesmaid dresses.”

In the beginning, Kate’s motivation was the desire to declutter and free up more space at home, but now she’s earning around £100 extra a month selling old bits and bobs.

“All the items I list are things from around the house that we longer use or need,” she said.

“Over the years, I’ve listed a huge variety of bits and pieces including home-ware, garden tools and children’s stuff.

“Recent sales include an unused professional make-up kit for £135, a Zeta Citi stroller pushchair for £80, an IKEA desk for £35, a Golf Wang ‘save the bees’ hoody for £35, and a riding helmet for £25,” she added.

“I’ve also just sold a Frozen puzzle and a wooden spelling game. The run-up to Christmas is a great time for selling kids clothes and toys.”

The resourceful mum is always willing to have a go at finding a buyer for things she no longer uses.

“I’ve even listed dog bowls, mudguards and artificial plants,” she said. “I’ve found new homes for all these things – and they’ve all helped me make some extra cash.

“You really can sell anything on eBay. One really unexpected profit was getting £5 for a bulk of old hair pins.”

The busy mum is able to do her listings from her sofa and they take just minutes each.

“I often put the time in when I’m sitting in front of the TV in the evening,” she said.

Recent changes by eBay

eBay recently announced (October 1), that it is now free for people to sell across all categories on the platform (with the exclusion of motor listings, including the sale of cars, motorcycles and vehicles.)

Prior to this, private sellers have had to pay a fee of more than 13%. Read more with ‘Massive change to eBay selling fees could save you serious cash – how does it compare to Depop and Vinted?’

“This has been a game-changer for me,” said Kate.

“I’ve already sold so much on the platform, but this makes me even more keen to do so. I’m really excited to see how the new features will help improve my sales – and boost my selling journey.”

The savvy mum has been sorting through every room in the house to see what else she can list and sell including a custom-made opal ring made, which cost Kate around £200.

“I’m planning to list this in the next few weeks – and will look to price it at around £180,” she said.

“This would free up a nice extra bit of cash for Christmas – plus the ring will make a fantastic gift for someone else. November is a great time to list items you know will make for great presents.”

Kate says eBay’s change to ‘free listings’ for sellers might see more individuals give eBay a try.

“This change could encourage others to do what I do – and sell unused items they have in their homes.”

Kate’s top tips for selling on eBay

Kate has urged sellers to take care to list your item accurately using relevant keywords. This will increase the chances of buyers finding your items.

Be sure to communicate clearly and responsively with the buyers throughout the process, she added.

“Try selecting the ‘Use AI description’ option for a helping hand when writing descriptions for your listings,” she explained.

“The tool automatically creates attention-grabbing captions which can make it easier for buyers to make a decision. 

“Remember that there are protections in place when using eBay, such as the Money Back Guarantee. With this program, if a buyer has any issue with their purchase, eBay will support them to get a refund.”

THE festive season has kicked off with a bang. There are now so many Christmas adverts on TV in early November that you need both hands to count them.

Whether you love them or aren’t a fan, the commercials are the true sign that the big day is not far around the corner.

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While we eagerly await the big reveal of the John Lewis ad, lots of other retailers have already aired their seasonal offerings.

Elizabeth Hurley shows us how to have a stress-free Debenhams Christmas, while Dawn French returns for M&S Food.

Here, we review 11 of these festive mini-blockbusters, giving each a rating out of five for entertainment value.

Debenhams – 4/5

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THE 2024 “Duh, Debenhams” advert is a playful take on the festive madness we know all too well.

Featuring a star-studded cast including Elizabeth Hurley, Leomie Anderson, Ellie Taylor, and Hannah Cooper-Dommett, this ad suggests how easy festive online shopping can be.

With cheeky nods to the usual Christmas chaos, the celebs hilariously answer the question: “Why does Christmas shopping have to be so hard?” with a sassy, “Duh, Debenhams”.

This ad is sure to bring a smile to your face and remind you that Christmas shopping does not have to be so stressful.

Aldi – 3/5

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KEVIN the Carrot is back for the ninth year running, and this time he is on a mission to save Christmas.

In a new adventure, Kevin and pal Katie navigate perilous ­situations and dodge booby traps to free the Spirit of Christmas and show the humbugs that “Christmas is better when ­goodwill is returned”.

It’s still a fun watch for the kids, but alas I fear Kevin is fast approaching his expiry date.

Morrisons – 2/5

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MORRISONS has brought back its singing oven gloves. Only this time, there’s more of them.

Set to the catchy tune of Bugsy Malone track You Give A Little Love, the music is ­performed by a choir of 26 ­Morrisons staff.

The gloves, now fully animated, sing in support of the nation’s family chefs as they prepare an array of indulgent Christmas dishes.

It’s on the mark, but I worry this jingle will become grating.

Greggs – 5/5

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GREGGS has set the bar high with its first Christmas advert, which features celebrity chef Nigella Lawson.

Set to an instrumental version of Carol Of The Bells, the ad opens with Nigella in her ­festive London townhouse.

She calls Christmas her “favourite time of year” and enjoys a Greggs Festive Bake, describing it as a “rapturous riot of flavour” with a “succulent ­filling”, playfully mimicking her saucy TV style.

Lidl – 3/5

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THE Lidl Christmas advert tells a heartwarming tale of a little girl who, after helping an elderly woman, makes a wish to share her Lidl woolly hat with a boy she noticed earlier, who looked cold.

This touching gesture embodies Lidl’s message of sharing the magic this Christmas.

It also highlights the return of Lidl Toy Banks, with the aim of collecting and distributing more than 100,000 toys donated by customers to needy children.

Argos – 3/5

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THE Argos Christmas advert ­features brand mascots Connie the doll and Trevor the dinosaur.

Seen in a dazzling dreamscape, Trevor lives out his rock star ­fantasy, belting out T-Rex’s classic 20th Century Boy atop a mountain of Marshall speakers.

The scene is electric as Trevor headlines for a crowd of adoring fans, all of whom are his best friend Connie.

This whimsical promo will charm audiences of all ages.

Sainsbury’s – 4/5

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THE star here is the Big Friendly Giant from Roald Dahl’s beloved book, voiced by Stephen Fry.

The BFG asks: “Hey Sainsbury’s – how can we make this Christmas a bit more . . . phizz-whizzing?”

Enter Sophie, a Sainsbury’s staffer, who helps him gather food from the supermarket’s trusted suppliers.

The heart-warming promo ends with Fry inviting viewers to, “ask Sainsbury’s” for a truly spectacular festive feast.

M&S Food – 4/5

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AUDIENCES are in for a treat as Dawn French and her fairy alter-ego from past ads share the screen for the first time.

As Fairy sprinkles her magic across Dawn’s home, Christmas comes alive with M&S treats, twinkling lights and Christmas cheer.

Six variations will air, with a special cameo by Katherine Jenkins on December 17.

But a second year without Jennifer Saunders does take away some of the magic.

Asda – 3/5

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THE ad opens with Asda staff Maggie and Bill gazing out at a massive snowstorm.

 Maggie frets: “Every road is closed between here and Sheffield – how are we going to get the store ready for Christmas?”

Enter a team of ceramic gnomes who transform the store into a Christmas wonderland, all set to The A-Team theme tune.

While delightful, it doesn’t top Asda’s previous ads ­featuring Will Ferrell and Michael Buble.

Shelter – 5/5

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GET your tissues ready because Shelter has done it again with its heart-wrenching Christmas ad.

The film opens in an imaginary world where little Mia and her dad are walking across an alien landscape.

They wave to Father Christmas and high-five an alien octopus.

But reality intrudes, revealing their actual life in temporary accommodation and the dad’s efforts to shield Mia from the harsh conditions through make-believe.

THOUSANDS can expect to see their benefit payments land earlier than usual next month.

Households on Universal Credit, child benefit and tax credits are among those affected.

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The Department for Work and Pensions (DWP) usually needs to shuffle payment dates around the holiday season.

This means that thousands of benefit payments will be affected to accommodate the bank holidays over Christmas and New Year.

So, if your payment date lands on a bank holiday, you can expect to receive it earlier.

You should receive your money the first working day before the date you are supposed to be paid.

If you are due to be paid on December 25, 26 and 27, your payment will arrive on December 24 instead.

The New Year bank holiday will also affect payments.

If you are due to be paid on January 1, the cash will land in your account on December 31.

The Department for Work and Pensions (DWP) and HMRC have confirmed the following benefits will be affected :

The amount you get paid will not change.

It will be the same as the previous month unless you have had a change of circumstances that has affected how much you are due.

Remember that if you get paid early, you must make that money last, as you will have to wait extra days until your next payment date.

If you expect a payment not paid on time, double-check the date you are usually paid and contact your bank.

Should you need further help, you must contact the DWP.

You can also file a complaint with the DWP regarding any unpaid benefits.

UPCOMING BENEFIT CHANGES

Thousands of households on old-style legacy benefits are being moved to Universal Credit via Managed Migration.

The government is transitioning two million people to Universal Credit or pension credit.

The vast majority will be moved by April 2025.

The process started being rolled out in May last year after a successful pilot in July 2019.

Households are being contacted via letters telling them how to move from their old benefit to Universal Credit.

Once you receive a letter, you have three months to move over, or you could lose your current benefits.

You can read more about the process and who is impacted here.

THOUSANDS of pensioners are set to get cost of living payments worth £200 within weeks.

Hard-up retirees are set to receive the payment through the Household Support Fund (HSF).

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The aid was set up in 2021 but has been extended a number of times by the government as households struggle to keep on top of rising costs.

It is paid out by local councils and is not exclusive for pensioners to claim.

However, cuts to the £300 Winter Fuel Payment have meant many older people have begun to turn to the aid for extra support.

In East Riding,  low-income pensioners, disabled people, care leavers and those who are financially in crisis can claim £200 worth of cost-of-living support.

To meet the criteria the following must apply:

• Be an East Riding resident and in receipt of housing benefit, housing element of universal credit or council tax support
• Be in receipt of a means-tested benefit and have been continuously for a minimum of three months
• Applicant and partner not in employment
• Have less than £1000 in savings
• Not received financial support from the Household Support Fund during the period April 1 2024 to September 30 2024
• Not receiving targeted financial support from the current Household Support Fund.

The local council will pay £200 to eligible households which they can then use for food or energy support.

East Riding Council opened the scheme for applicants in October, and payments will be made until March 2025.

If your claim is successful then you should receive the payment in 20 days.

To apply for the fund you can visit www.eryc.link/fund.

Alternatively, if you do not have access to the internet you can ring the following number, (01482) 393939.

What if I don’t live in East Riding?

It is not only households in East Riding that have access to the Household Support Fund (HSF).

The government has promised to pump a further £1billion into the fund over 2025 and 2026.

This is on top of the £421million top-up up which was announced in September and saw the scheme extended until March 2025.

Some examples of what other councils are doing include Rotherham Council, which is now offering struggling families £250 grants to fight the cost of living.

Rotherham Council says to qualify for the grant, residents must have no more than £150 remaining each month after covering essential expenses like food, rent or mortgage and utility bills.

You do not need to be on benefits to apply for the fund.

How to know if you qualify?

Financial support available to struggling households varies from council to council, so it is worth checking what schemes your local council offers to ensure you get all the support you need. 

The benefits you already receive will not be impacted by applying for the HSF. 

And, you do not necessarily need to receive benefits in the first place  to get vouchers or funds from the HSF.

To get the help, you’ll need to check with your council – as local authorities are in charge of distributing the funding.

Information on how to apply for the funding should be published on your council’s website. Each council will have a different application process.

If there’s no information on your council’s website, then it’s best to ring them up and ask for more information.