Will Chelmsford Property Prices Drop After Brexit?

After the Brexit vote, most people in the UK are thinking what the decision will do to affect the property market in the country. If you are looking to buy or to sell a home in Chelmsford, will you be affected by the Brexit movements? Most experts are predicting that property prices across the country, but not in London, will fall by around 10 percent – therefore you could expect the prices in Chelmsford to do the same.


The average price of a property in Chelmsford is £305,500, so that would mean that the value of the average property would be falling by £30,550. This seems like quite a substantial figure, and many people are concerned about these predictions. But is it as bad as it seems?

Pay Attention to the Details

If experts are saying that property prices are set to be 10 percent lower after Brexit than they would have been if the UK had voted to stay in the EU, that means that you also have to take into account the natural rise in property prices that happens without reference to Brexit. For example, in the year before property prices for Houses for sale in Chelmsford went up by nearly 15 percent. The prices have been rising at least 9 percent year on year. So if the UK had voted to remain, the prices would probably have gone up by 12 or 13 percent anyway. Therefore, there will still be a two percent rise in prices even figuring in Brexit.

Will There Be A Property Crash?

Not necessarily. Because a two percent rise in property prices is still a rise. And in Chelmsford, where the price of property has been skyrocketing, it is also possible to see that a smaller rise in prices could be a benefit.

Chelmsford House Prices Bounce Back

According to http://www.beresfords.co.uk, the market in Chelmsford has always been extremely resilient and there have been many moments in the past when the property market has dipped, only to recover again quickly.

Chelmsford has a lot going for it, and there are many reasons why people will continue to want to live in the town. Brexit may have caused uncertainty but there are many reasons to think that the property market will bear out the changes. If you are looking to move home in Chelmsford it is a good idea to get some professional advice and look at the picture in greater detail. With any major national changes, the property market will always be affected but that does not mean the damage will be significant or long-lasting.

Wealth management helps grow your money

Wealth management is an advisory service covering investment organization and financial planning portfolio serving several different investors. If the customer is an already thriving, high net worth individual or a customer looking for financial advice, investment services are the key to a specialized lawyer and careful planning.

Destination Wealth Management Review can extend far beyond simple investment advice. With the potential to provide assistance in all facets of an investor and financial profile, it is supporting one and needs against risks profile. Based on its deep knowledge of the market, consultants draw a personalized plan for its customers, consisting of a diversified portfolio of investments and asset classes. As a customer and income increases, this balance just read continuously through the structuring of investments for greater wealth creation. Check out best private wealth management firms from the site.

Financial planners think investment strategies for the interests of dependents are taken care of properly. Besides, finance and investment management follows a holistic approach to future investment and incorporates risk assessment, together with the planning for the best possible financial future.

These services also include the management of private wealth, a term used to define a more personalized approach sometimes known as private banking. These sophisticated services cover everything from family trusts of stock options and the use of hedging derivatives. For asset management to operate at this higher level, the client should have already reached a certain degree of wealth. The idea is that advisors to channel this success in higher fiscal achievements.

The experience provided by wealth managers informed and efficient is greatly sought after. Globally, the profitability of investments is steadily increasing and the need for expert advice and efficient management is increasing simultaneously. Wealth managers often or MBAs financial planners are certified, but can be defined as any money manager dedicated to the economic improvement of investors.

The dramatic fall of 2008 and the resulting global financial crisis have significantly challenged conventional investment thinking. With well proven risk tolerances held beliefs and returned backwards; It s clear that the market has changed. More than ever, wealth managers are pushed to communicate closely with its customers, while evaluation and re-evaluation of all investment opportunities. For years the industry stuck with the basic principles, but the crisis has shown how little anything really is assured.

Balancing a financial portfolio you can be compared to achieving good health. Constant maintenance is required and the balance is the key. Customers must keep feeding their investments, but moderation is a guiding principle. Wealth management services are designed to guide this process, taking difficult decisions voltage.

Importance of using a life insurance calculator

A life insurance calculator is an internet tool that is meant to provide answers to questions that have to do with life insurance annuities. A lot of people would want to know the amount that they should commit for a certain period while they make sure that they have a regular income per month to pay for the amount. The calculator is also used by agents who wish to encourage people to get a life insurance plan. It is a handy tool for those who wish to get annuities, maintain investment budget and assess retiring benefits. The specific amount of premium which the insured person paid for the insurance company will create a lump sum over the years. If you want to know the amount of your generated premiums and end benefits, you can use a life insurance calculator to simplify the computations. Factors like the premium amount, age and interest rates will affect the result of the calculation.


Life insurance calculator is used to determine the level of coverage you need for your unique lifestyle. It will help you choose the extent of personal protection fitted to your situation in life. The coverage should be able to provide adequate protection, but you may not want to pay for protection that you don’t need. To determine the perfect level of protection, you should take these three things below into account:

1. Your current situation; with your current income and current debts.

  1. If something unsure happens to you; should your insurance policy pay off debts, or sustain income for your loved ones.
  2. If you doubt your decision on the amount of cover you need, get the advice from a professional financial adviser; don’t just take a plunge into it.How Insurance Calculator Works:

    The accuracy of the figures you provide determines the result of the calculator. The level of coverage offered by the calculator also depends on the age, medical condition, and minimum/maximum cover requirements at that certain time. The amount of coverage you need should regularly be analysed as your financial situation changes.

    A calculator is a tool found over the internet to help identify the right amount of coverage for a certain case. It is easy to use and functions based on the answers you give to each particular question. After providing information, the result comes in a few minutes. But, after getting the result from an online calculator, it is also important to learn what the result suggests and how to find the best deal.

    Anyone can use the online life insurance calculator even if you are new to using computers. It also works fast so if you are busy; it won’t take much of your time. It is a tool that provides useful and reliable results if you furnish the right information about your income and expenses. Using the calculator helps you determine the cost you may need to cover before making a decision.

    The use of life insurance calculator is necessary to have an idea of the level of coverage you should consider when buying your life insurance policy. It is important to know that coverage for different situations might need different terms and conditions. Therefore start using the life insurance calculator now. Don’t be surprised to know that you’d spend more time guessing and estimating it yourself. It is fast and easy!

Related: How Life Insurance premium is calculated

Money Manager Fees: What They Are and What They Mean

If you’ve considered hiring a money manager to help you save for retirement, you’ve probably found yourself wondering about all the different fees and pay structures. Retirement manager fees are how advisers get paid, but there is a wide disparity in fee types and structures. Here are the basics about manager fees and what you need to know to hire a financial adviser to help you plan for retirement.

So Many Fees, So Little Time

If that’s how you feel, you’re not alone. Fees are confusing at first glance. In simple terms, a management fee is the cost of hiring a professional to manage your finances. The wide disparities in fees are generally due to managers’ investment methods. For example, a heavily managed fund will incur higher fees than a passively managed fund. Fees can range from as low as 0.1 percent to more than 2 percent of the assets under management (AUM).

Management Fees Defined

Financial advisers charge fees in a number of ways. Below are definitions of the typical money management fees:

  •   Percentage rate: Clients pays the manager a percentage of the assets being managed each year. Percentage rate is a common fee structure.
  •   Percentage tiered: Clients pay a tiered percentage rage based on the total managed amount. Typically, managers who use this structure charge reduced percentage fees to clients who invest larger amounts.
  •   Fixed fees: Advisers using this structure charge fixed or flat fees for performing specific services. Fixed fees are popular with clients because they know exactly how much they have to pay.
  •   Hourly rate: As the name suggests, this structure applies when the financial planner charges a by-the-hour rate.
  •   Annual retainer: In a similar fashion to some attorneys, a financial adviser charges an annual retainer for services.
  •   Hybrid: The hybrid-fee money manager uses a mix of fee structures to charge for different services.

The Three Main Fees

The three most common fee structures used by wealth managers are fee-only, commission-based and fee-based. Fee-only advisers do not earn money based on product sales. Instead, they are paid solely by clients and, because they don’t earn commissions, focus on their clients’ needs.

Commission-based money managers earn a commission every time they sell a financial product. An adviser with a fee-based structure combines both methods, earning a product commission on some services and a fee only for others.

The Fee Conversation

The money manager you choose depends on your specific goals and comfort levels. If you’re risk-averse, paying a flat fee may be best. If you’re comfortable with a bit of risk, a combination of fee structures might be more appealing. Either way, discuss fee structures with any money manager you consider.

Here are five ways to start the conversation:

  1. Ask for a printed copy of the adviser’s fee structure.
  2. Find out if the adviser receives commissions when executing transactions.
  3. Ask if there are ongoing fees for manager investments made on your behalf.
  4. Find out if the financial planner earns referral fees.
  5. Ask for a report that documents how commissions and/or fees affect your portfolio.

If a manager is not willing to give you details, look elsewhere.

How to Get on Your Feet Again after Quitting

Getting up and quitting your job can prove to be a very rewarding and liberating experience. This is especially true for those who weren’t satisfied with their job, were working in an unsafe environment or were being mistreated by management or colleagues. However, no matter how satisfying slamming the door behind you felt, we all face the one scary question: “what next”?

Some of us have a back-up plan and a job secured somewhere else, but for those of us who quit unexpectedly, we might be in for a wild ride. Once the euphoria fades, the reality settles in and we feel a little foolish and extremely anxious about the future.

No fear! There was a reason that you quit, and stand by it. In the meantime, it’s time to get your career (and life) back on track.

  1. Work your Network

Over the years, you were sure to have mentors, colleagues, even clients with whom you had a good relationship. This is a good time to reach out to them and ask them how they are doing. Chances are that at one point someone helped them secure a position and they might be willing to put in a word for you or help out some other way. This is also a good time to visit industry-related events like talks, conferences, and workshops. It shows that you are still connected and active in the field, despite not currently having a job.

  1. Take an Inventory of Your Skills

Since you secured your last job, you most likely learned new skills, gained experience in specialized processes or underwent training for your role. This is the time to reflect on what you got out of your time there and add it to your resume. Update it, along with your professional online profiles like LinkedIn. Instead of worrying whether you’ll be able to score a job as good as the one you had, starting dreaming of where you want to be and whether you have the skills and experience to get there. Which leads right into…

  1. Educate

Whether this means taking a week-long intensive course at the local college or actually enrolling into an industry related program, furthering your education is usually worth the investment of time and money. Future employers will appreciate your curiosity and thirst for knowledge while you can do yourself a big favor by picking up new techniques, learning current issues, or even just brushing up on what you already know.

  1. Volunteer

Volunteering is not only a great way to give back to your community, it’s an incredible way to meet people. People from all walks of life and all different backgrounds and interests come together to volunteer. If anyone will be able to help you, they would have no problems recommending you, especially as you are clearly a caring and responsible person. Though you might feel pressed to make money during this time, take the risk to volunteer, and if necessary, apply online for a short-term financial solution.

  1. Apply to Jobs like It’s your Job

When you aren’t volunteering, you should be applying to jobs regularly. Set a goal for yourself and work towards it- whether that be applying to 2, 3, or 5 jobs a day. Remember, though your connections might help you land that job in the end, many people still get employed through the regular online application method.

Quitting your job is the end of an era, and finding your new place is the start of a new one. Remember to put your best foot forward and be confident in your abilities. Other than that, good luck!

Take The Benefits Of Gold By Increasing The Profitability

Gold market is increasing daily and there are many people who buy gold because it is one of the most precious metals. When we look at US market then it gets clear because people have played a lot on gold. In recent years there is a great hike in this field and it has become one of the most demanding money spinners in the market. The demand for this metal is really remarkable and when the foreign markets are considered at this point then certainly there are no words to express it. When we look at the value of dollar then no doubt is has weakened the others and the reason is gold. For instance the depreciation in the currencies is 15% and in the case of gold it is just 10%. There are different concerns that are associated with the countries that trade in gold. The first concern that is associated with this part is the price and the second concern is trend. The trends are set by the government and they deal with the monetary policies and attractiveness of the market. This is really a crucial issue because Gold Buyers must know about the risks and the rates that are going on in the market.

Gold Buyers must also learn about the new policies and the changes that are occurring in the market because if there are more investors then it can be a better situation for all. However, there are many other factors that are counted in the process because small incidents count and this may change the entire structure of the market. There are many companies that are associated with gold and they perform different tasks like mining, furnishing and many other but they also cannot maintain a better cash flow. This is the power that remains in this metal and it is to be noted that there are many aspects that are associated with it. The companies may also get in the situation of insolvency. There were many financing modes that were selected in the case of gold and they all are perfect because none of them can ensure the prices but they provide a rough idea about the events. Therefore, it is better to hold the events and get the undermined prices so that everything remains under control and the prices are learnt and this will bring profits by reducing the negative elements in the process.


The Inside Scoop on CFD Trading

What is CFD Trading?

Contract for Difference trading, is when two parties agree to exchange the difference between an opening and closing price of a contract. With a CFD, you are able to follow live market prices, speculate on future movements, and trade regardless of rising or falling prices.

CFD trading has the options to “go long,” “go short,” or “hedge your portfolio” depending on your trading ambitions, and you can gain access to a wide variety of markets through your chosen CFD company (e.g. CMC Markets).

This article will explore the details of CFD Trading, concluding with the current opinion of it’s benefits versus cons; in order to enhance awareness and aid in providing informed decisions.

How Does it Work?

By using CFDs, you are enabled to pay a small fraction of the contract’s total value. This is because CDF’s are leveraged products; so you can potentially magnify your return investment. However, the greater the leverage, the more your losses could exceed your initial deposit.

With CFD trading, you are able to “go long” (buy) if you believe market prices will increase, or “go short” (sell) if you predict a decrease in market price. If you do the latter, and the market price does fall, you will receive a profit in line with the fall in price.

In particularly volatile markets, a popular move by investors, is to “hedge your portfolio.” This means, if you believe there may be some loss of value, you can use CFDs to short sell and this offset the loss.

This makes CFDs a flexible alternative in market movement trading, as they help you benefit from any decision you make, regardless of markets rising or falling. Be aware, however; if the market moves opposite your prediction, your losses will also increase.

Advantages of CFD Trading

Depending on your circumstances, CFDs can be very tax efficient, as any loss you incur can be offset against your Capital Gains Tax (CGT) liabilities.

In the UK, CFD trading is free from stamp duty, except in Irish stocks. Without having to pay a stamp duty, you can save 0.5% on the value of each trade. It is essential to be aware that tax law can change and are dependent on your individual circumstances.

Associated risks of CFD Trading

Nothing is without a degree of risk, so if you are a first time trader and considering CFDs you need to be aware of, and understand their risks.

Just as you can easily make a profit if the market moves in your favour, you can also easily incur a loss if you predict the market wrongly; thus exceeding the value of your deposit.

If you are considering CFD trading, you must ensure you have sufficient funds. Markets today are volatile, and prices can change instantly, even outwith normal working hours – if you are involved in international trades – which will result in your account balance rapidly changing. It is therefore, important you have enough funds to cover these situations. If your account balance drops below the “close out” level, your position in the market will be automatically closed.

Gapping is another risk of volatile markets. This is when prices of products suddenly change from one level to another. This can cause a missed opportunity for you to place or execute an order, and prices may become unfavourable, depending on what trade direction you have taken. The risk and impact of this can be limited, by applying a guaranteed stop loss order, or an order boundary.

A holding costs may also be incurred depending on the positions you hold, and how long you hold them.


CFD trading has many advantages that makes it very popular amongst investors across the globe. It’s lower margin requirements, fast access to markets, and adaptable levels of flexibility allow for the potential of quick profit with minimum fees required in return. However, investors must always be vigilant of volatile markets, as high leverage can magnify losses; and each individual must proceed depending on their funds, and what works best for their trading ambitions.

Hire an Independent Mortgage Advisor


You hire a mortgage advisor because you don’t necessarily understand all the details when it comes to buying a new house. There are some technical and legal aspects of it that you might have a hard time understanding without help. It is best to have someone advising you on what needs to be done. These advisors know the ins and outs of the industry. They are individuals who have studied mortgages well and they also have lots of connections. They can tie you to the right banks where you can borrow money from.

There is a caveat though. There are mortgage advisors who work for banks or lending firms. They are still considered experts and they can give you great advice. They can also walk you through the entire process. The only problem is that they don’t necessarily have independence in making recommendations. They will still find a way to link you with the bank that they are working for. They might also have limited understanding as they have just studied the terms and conditions with the banks they are working with. Of course, they are also paid on a commission basis. It gives them more incentive to point you to the direction of the bank which is their employer.

The downside is that you may drop other options which are considered better for you, considering your financial status. Those options could have been cheaper. There are other banks or firms out there that could have given you a better repayment scheme. Since your advisor doesn’t have independence, you will be stuck with a limited choice.

This is not going to happen though if you partner with an independent mortgage advisor. They will tell you the truth and not embellish it. They will avoid making biased suggestions. They will only think of what the best for you is. You can count on them to give honest advice since they are not beholden to anyone. You are the boss and you are in the middle of the entire process.

You can find a mortgage advisor Colchester offers who is independent-minded and will be there for you every step of the way. They are experts in this field and they will probably link you with the best options. Of course, not all of them are good, so you still need to narrow down the options. You have to ask them about their background in mortgage advising and their work experience. The moment you feel like you are partnering with the right advisor, you can go ahead and seal the deal. With the right advisor, you are assured of living in your dream house in no time.

 SEO  trends  you will need  in 2016

There are the dominant parts of individuals who are looking for answers for the inquiry that is SEO dead? If you are an online businessperson then you may think about the thoughts how you can associate with your clients more adequately. It is essential to focus about verifiable that the SEO trends are evolving. Here are five Trends that will help you in molding your SEO accomplishment in this year

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To have a solid technique, it is essential that you have three center parts: online networking, content management, and link building. The thing that was more proclaimed in the earlier years was the relationship among these components. It is critical that your content management must be centered on the necessities of your customers and have the capacity to produce movement. Online networking increases motioning to the web search tools that clients are discovering your content more considerably.

Content marketing  

In the year, 2016 content marketing was the greatest buzz and this pattern is still here and will sit tight. It is imperative that brands turn out to be smarter to tell about their own stories and ought to make content that vibrates among their targeted audiences. As the interest is wearing off with content, showcasing advertisers are requesting more rate of profitability. CM is developing and bringing about viable and better measure exhibitions, focused on content and right course to enhance the outcomes.

Mobile optimization is not discretionary any longer

With the hummingbird release, it is troublesome for the sites to make due in the web indexes without a portable system. This incorporates both the versatile content and responsive configuration techniques. The time has come to put resources into this methodology if you will see from the viewpoint of your business. Half of the world is utilizing advanced mobile phones and half-third tablets. Responsive plans are imperative and ensure that your site looks incredible in changed scopes of mobiles.

Construct mark as opposed to building positions

In SEO, solid brand assumes an essential part. A case for this is the Google’s introduction of the Google creation. This is a project, which associates creators profile with the other perceived creators content on the site, which is performing much better. Building a brand character is particularly essential to get great rankings for which you will require a marking methodology.

Online networking arrangement essential part

Google is depending on the human’s signs and takes the aides of the interpersonal interaction locales. In the event that you are not having a solid nearness on the online networking then this is the time you begin executing one. Online networking is one of the essential components that help with deciding the rankings on the web index today.

These are the strategies that Guaranteed SEO Singapore experts offer   to all those who are looking for way out of success through SEO. As you will build up the SEO methodology, try to incorporate every one of these patterns. Put resources into all these critical territories to get the best out of your methodologies.

The Role of MACD Indicator in Binary Options Trading

The notion of binary options trading has an uncomplicated idea behind it, which means a trader has to develop just as simple approach to trading as well. The presented article discloses a detailed review of the moving average convergence/divergence indicator as a critical binary trading instrument that determines “call” and “put” options purchasing. Typically, the users apply the analyzed technical indicator with the aim of establishing the momentum magnitude on the external market.

The indicator is based on the establishment of a connection between longer and shorter pricing MAs in order to distinguish the moment of trending occurrence. The pattern is put in action by discerning 26-days EMA from 12-days EMA. Subsequently, in order to provoke a signal generation, one has to plot 9-days EMA over the indicator.

The Reflection of MACD in Binary Options Trading

On the diagram below, a binary options MACD is depicted, together with a signal level, as it may look on the candlestick charting.

Take into account that the correct application of MACD indicator presupposes the ability to sustain its accurate interpretation, as well as understand the signals.


There may be MACD crossovers occurring in two ways: either from above of a signal line or from below. A bullish signal is spotted in case a crossover arises in the position below the signaling level. In the opposite case, when the above level crossover is considered, a bearish signal is forwarded.

Entry Signals

According to the diagram, which is presented below, a small gap between two depicted crossovers may is distinguished. It is justified by the fact that the MACD crossover and a signaling line arise earlier than EMA’s crossover. The given gap can serve as a signal that you may enter a market.

The determination of whether “call” or “put” options have to be put on trade relies on the nature of a crossover. Specifically, a trader has to establish whether a trend is bearish or bullish. In case a bullish signal is forwarded and there is a crossover between MACD and a signal line, purchase “call” options immediately. Accordingly, “put” options have to be traded after a bearish trend crossover.

Although the MACD tool is a highly proficient indicator, do not focus on its application too much. It relates to the idea that a value change shock can promote extreme pricing divergence from the trend identified before. If it is the case, we recommend reconfirming the signal with the help of a different tool prior to acting.

We also suggest you to read Finpari review if you are currently looking for the broker.