1 June 2025
Under 2025/26 rates, going limited costs more in tax than staying a sole trader at four of five income bands between £40,000 and £80,000. Here is the calculation nobody else will commit to.
1 June 2025
If your main client is medium or large, IR35 can eliminate the entire tax case for incorporating and leave you paying £1,500 to £2,500 a year for the privilege. Check this first, not last.
1 June 2025
Not incorporating can feel like indecision while peers announce they've gone limited. Under 2025/26 rates, the numbers say staying put is the financially correct choice at £40,000 to £80,000.
1 May 2025
When a long marriage ends, men's friendships don't fade. They evaporate overnight. The reason is structural, documented, and has nothing to do with whether people actually like you.
1 May 2025
Reaching back to an old friend after years of silence is far easier than it feels from your side of the gap. Here are the exact mechanics: who to contact, what to write, and what to skip.
1 May 2025
Making friends after 60 doesn't work the way it did at 35, and the movie version never worked at all. What actually builds friendship at this age is a Tuesday that keeps happening.
1 April 2025
A divorce decree that awards you half his retirement account is a legal claim, not a transfer. The QDRO is the mechanism that makes it real, and here is what it must contain before you sign.
1 April 2025
If your marriage lasted 10 years, you may be entitled to Social Security based on his earnings record. He can't block it, and his benefit isn't reduced. One date determines whether you keep it.
1 April 2025
A QDRO can be correct in every visible detail and still leave you with nothing if he dies before retirement. The survivor benefit language is the clause that protects you, and it goes missing constantly.