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The HRDirector Features

Scotland: Could it become Greece without the sun?

Scottish independence would entail significant economic risk. Scotland’s budget deficit is currently over three times higher than the UK average as a perspective of GDP. North Sea oil and gas revenue expectations have plunged. Expected revenues of £6.8 to 7.9bn this year have fallen to just £0.5 to 2.8bn.

Article by: | Published: 11 July 2016

The HRDirector Features

Consumers driving digital in Financial Services

More than a third of European consumers would move bank or insurer if they didn’t offer up-to-date technology to aid interaction. Nearly a third are already embracing mobile payments, while a fifth are already using wearables and crypto-currency to pay. Almost a fifth would buy banking or insurance services from challengers such as Google, Facebook and Amazon.

Article by: | Published: 9 May 2016

The HRDirector Features

What can corporate banks learn from consumer finance?

As banking consumers, we shop around for the best deal. We may have a current account with one provider, an ISA and mortgage with another; savings, loans and investments with different providers again. We know that it is prudent to review our financial management regularly. So, why are corporate banking trends behind the curve?

Article by: | Published: 14 January 2016

The HRDirector Features

Five ways to cut your capital gains tax bill

Capital Gains: the good news/bad news tax. Good news … you’ve made money. Bad news… well, it’s a tax. Carol Cheesman of Cheesmans Accountants suggests ways you can reduce your Capital Gains Tax (CGT):

Article by: | Published: 16 November 2015