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RHI: Three little letters which could mean so much

If you don’t work within the renewable energy industry then you could be forgiven for knowing nothing about the Renewable Heat Incentive (RHI), but the old adage that a little knowledge can be a powerful thing has never been more true. If I told you the government had made available a pot of £860 million for owners of renewable energy heating systems, you might raise an eyebrow. If I then told you that by i ...

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How to track down missing savings

Keeping track of ISAs, Child Trust Funds and other savings products can be tricky. You may have opened accounts for your children with the best intentions but then moved, married, re-married or the financial organisation may have merged or closed. It’s estimated that £15 billion pounds is lying dormant in old bank accounts, pensions and life assurance schemes. Remember that money in a lost account is always ...

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Five reasons to use an insurance broker

... rather than going direct to an insurer. 1. Customer service – Although the majority of direct insurers will provide good customer service, due to the volume of calls, most of them will be based in a large contact centre so the chances of you speaking to the same adviser each time is very slim. However, R K Shipman is office based so you can get the same great service time and time again from the same pe ...

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Six ways to make your graduate application count

Recent reports have suggested graduate prospects are at a ten-year high. And with more graduates in the market than ever before, competition for jobs is heating up. Firms are feeling considerably more confident about investing in their future talent than they did a few years ago and this has led to many ramping up their graduate recruitment plans. But with so many aspiring professionals out for the same rol ...

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Moving home? A look at mortgage assessment

Following new rules introduced in 2014, getting a mortgage is now harder and tougher than ever before. You will need to go through a thorough mortgage assessment process with your chosen mortgage lender- so if you are thinking of taking out a mortgage this year here are a few pointers to help you understand the process. Mortgage lenders must assess what level of monthly payments you can afford, so they carr ...

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Having a baby and moving home

Having a baby is a big step especially when you are also looking to move or buy your first home. If you are looking to extend your family and take out a mortgage here are some financial considerations to bear in mind. Child Benefit  Child benefit is no longer available to all families, if either you or your partner earns more than £50,000 you might not be eligible for some or all of the benefit. Child benef ...

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A quick guide to buying your first home

Buying your first home can be a daunting prospect, it’s likely to be the biggest purchase you will ever make – and for first time buyers it can seem scary. If you are looking to buy your first home then here are the 12 key stages – from getting a mortgage to getting your keys! 1. Firstly you need to talk to a mortgage advisor to find out whether you can get a mortgage (including a Help to Buy Mortgage) and ...

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Job hunting in the New Year

It’s that time of year when employers across the majority of sectors are considering investing and taking on new employees. As the global recession has cleared and the economy has improved, the job market has also been revitalised and hirers are actively looking for talented individuals. So with this in mind, what are the top tips for job hunting in the New Year? Get your CV up to scratch It can be tempting ...

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Dispelling the myths on recruitment

In recent years, the perception of the recruitment industry has changed drastically. It is now seen as a career of choice for many aspirational professionals and has largely moved away from the tainted image it once had. Despite this, however, there are still a number of misconceptions about the hiring arena. So what are they? I’ll spend all day cold calling This is perhaps one of the more common misconcept ...

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12 tips of Christmas… for the perfect graduate job

Christmas is a wonderful time of year. It’s the time of year you spend with loved ones and eat far too much food. It is also the best time to start looking for a graduate scheme or internship. Make the most of your leisure time by researching into the best ways to find that all important graduate job. Write the perfect CV and learn how to handle graduate recruiters professionally. Here are our top 12 tips t ...

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Top tips for buyers moving to London

During my two years as a property writer for a national newspaper, my inbox was always crammed with questions from people on the brink of buying a home (and not just from first-timers). Often, they would ask the 'basic' questions that I just assumed everyone knew the answers to (it turns out they don't!) That's what prompted me to write by book – Property Uncovered. It's not a book for seasoned landlords or ...

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