The verdict Ultimately, going out will always be more indulgent than eating at home. Hope is right to point out that if we’re doing it frequently, it’s worth paying attention. “If you think about it objectively, a three course meal is a lot of food and way more than you would eat if you were … Read more
Hormonal factors in adulthood One of the underlying causes of acne can be changes in hormones, particularly androgens like testosterone and dihydrotestosterone (male hormones which we all have in our skin). Androgens can make the sebaceous glands produce more sebum, an oily substance that protects your skin from drying out, and a build-up of sebum … Read more
Top-rate payer? You can save 60.8pc If you use salary sacrifice, your employer might decide to pass on the savings it makes in National Insurance to you via your pension. Additional rate taxpayers would save 45pc in tax, plus 2pc in National Insurance. If the employer passes on its own 13.8pc in National Insurance, this … Read more
According to Dr French, the differences between the two are very subtle with migraine sufferers also often experiencing temporary difficulties with speech and confusion during an attack. However, while the symptoms of a mini stroke tend to feature loss of sensory functions, many migraine symptoms involve sensory alterations which migrate their way down the body. … Read more
“We recommend starting reasonably early – as soon as the pollen count starts to creep up, take antihistamines,” says Morris. “If that’s not controlling things, migrate onto the nasal spray and eye drops.” GPs can also prescribe steroid treatments when these options don’t work. People who are still debilitated by their hay fever symptoms after … Read more
If you’re an individual, you can report a change in name or address via the Government Gateway service, post or via HMRC’s app. You can also do this by phone – have your National Insurance number ready. For businesses, you must tell HMRC if your name, business name, personal address or trading address change. You … Read more
It can be tempting to trawl through your old job applications or even to use the cover letter that you wrote for another opening just weeks ago, but it’s best to avoid regurgitating the same letter for different employers. Recruiters and hiring managers will be able to spot bland, generic sentences easily. Research the company … Read more
Adding some fixed income exposure to those equities – a 20pc bonds, 80pc stocks mix – reduces the volatility. A portfolio with this mix typically falls less, reduced to 19pc before recovering over time. Return expectations are also dampened with volatility however, and an average return on £1,000 over five years is £1,892. Still too … Read more
What is psoriatic arthritis? Affecting about 30 per cent of people with psoriasis, this is a chronic inflammatory disease of the joints that often appears between the ages of 30 and 50, although children can be affected. Symptoms include swollen, stiff and painful joints and tendons, reduced range of motion, eye inflammation and fatigue. In … Read more
She said: “The rules are complicated, but generally to keep a protected pension age the pension saver has to transfer from the scheme at the same time as at least one other member, to the same pension scheme. So, if they transfer on their own they will lose the protected age. “Because protection is lost … Read more