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4 articles
Joint accounts, third-party access and lasting powers of attorney are often treated as interchangeable. They are not. This guide explains how each works during illness, incapacity and death, and how households can arrange practical access without giving away control.
Fixed-rate bonds and notice accounts can offer a useful uplift in late 2026, but only if the terms suit money you can genuinely leave alone. This guide explains the trade-offs, the penalties to check and a simple laddering approach that keeps emergency cash within reach.
Family lending can be humane and sensible, but only when it is deliberate and documented. These five safeguards cover written agreements, affordability, repayment schedules, tax and inheritance issues, and the scripts for keeping the drawbridge up.
Deposit protection is less mysterious than it looks. This plain-English guide explains the £85,000 safety net, how it applies to sole and joint accounts, and the simple checks that keep savings within the castle walls.