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Although football clubs buy and sell players for profit, generally speaking a company’s employees and directors do not have a financial value attributed to them in the books.

Various issues threaten family budgets. Although the recent national Budget softened the original formula, child benefit will still be reduced or stopped altogether for many middle-income families.

Holistic financial planning looks at the income and capital you have now, and how best to use this to ensure that your lifetime financial objectives become a reality.

When the economy is having a real impact on everyday lives, there is every reason to make sure that personal finances are in the best possible order.