http://www.kmsfinance.co.uk Financial Planning Specialists Wed, 20 May 2009 15:21:30 +0000 http://backend.userland.com/rss092 en At the moment there is more confusion and uncertainty about pensions than there has been for a long time. So the need for pensions advice has seldom if ever been greater. With turbulence on the financial markets, pension funds losing their value and the economy in serious decline, many people ... http://www.kmsfinance.co.uk/2009/05/pensions-advice-can-help-you-now/ The amount of life cover someone needs is very much related to their own personal circumstances. Factors such as those below will influence how much life cover they should have: Spouse or partner Dependants Mortgage Loans or debts Standard of living Existing life cover Death in service from employer Current savings and investments Future planned expenditure It is generally accepted ... http://www.kmsfinance.co.uk/2009/05/how-much-life-cover-do-i-need/ Pure life cover or term assurance policies are fairly simple things. You pay a set amount each month for a set amount of cover over a set amount of years. At the end, the policy and premiums stop, simple. Term assurance policies provide only pure life cover so there is ... http://www.kmsfinance.co.uk/2009/05/buy-life-cover-when-you-are-young/ If you have made the decision to buy your first property to rent out, you are probably very excited. You have taken the first step on the road to becoming a “property tycoon”! The next step is to decide where to get your buy to let mortgage. Do you just go ... http://www.kmsfinance.co.uk/2009/05/where-to-find-your-buy-to-let-mortgage/