William Kay

The risks of being a modern landlord

The spate of terrorist attacks in London and Manchester has made many landlords and their insurers nervous about the risks of letting strangers rent houses, flats or even rooms without even closer checks. This is not about getting money upfront, though that can act as a deterrent. No, it is the still thankfully tiny but

Penny-pinching, the 21st century way: are we taking it too far?

A growing number of Brits would rather throw a party than turn on the central heating a few days early, according to a survey out today from TopCashback.co.uk, the cashback and comparison website. To cut heating bills, seven in 10 are taking the obvious step of wearing extra layers of clothing and, slightly less obviously,

Why a retro approach to financial advice is back in fashion

The wheel has turned full circle. Financial advice from an agent tied to a provider is making a comeback, after years in which conventional thinking dictated that the only way forward was independent financial advice. As first revealed last week in the trade magazine Money Marketing, Aviva, one of Britain’s biggest insurers, is to restore

Paying for financial advice: whose job is it?

Buried in the Queen’s Speech this week was an unassuming little sentence that could transform our collective ability to deal with the ruthless financial services industry – but don’t hold your breath. The Government signalled that it is bracing itself to take on the challenge that has defied all of its predecessors – to produce