25 OCTOBER 2015 THE GOLDEN YEARS 19 Financial Services, Investment & Private Client
Invest in a diff erent kind of banking
I
n years gone by, banks would be in business to lend money to local people and businesses at a fair rate for a fair return. Computers,
credit scores and centralisation changed all that. People became numbers and began to be seen by banks as nothing more than profi t generators. Money was lent out on high-interest credit cards, and mortgages were given to those who couldn’t aff ord them. T e norm became call centres, branch closures, big bonuses and tiny returns on money.
Ablrate.com is a leading platform in the
peer-lending industry, a multi-billion-pound phenomenon that aims to change the current state of banking. Peer-lending sees lenders come together to lend money to worthy businesses. T e middle man is replaced by an online peer-lending platform that allows users to open an account, assess loans and invest in businesses from as little as £100. Loans can even be sold on aſt er the initial deal.
Ablrate.com is a community of lenders that
focuses purely on asset-backed transactions. T e company makes sure that every loan that’s shown to their lenders is backed by an asset that could be sold if the borrower falls behind on payments. Overheads for these businesses are low
and
Ablrate.com doesn’t even charge lenders for this service. Charges are made to the borrowers, leading to great returns for lenders.
Ablrate.com off ers loans between 10% and 14% for lenders to review. Bad service and a lack of rigorous control
was commonplace in global investment until recently. Today,
that control is now back in
investors’ hands, with companies like Ablrate. com leading the charge (or no charges, as the case may be!).
T: 01491 410400
www.ablrate.com
Free wills and trusts information
If you have a family member with a learning disability, you need specialist legal advice to write your will and set up a trust. Mencap can help.
Failing to make a will and set up a trust for someone with a learning disability can have serious implications for their financial future.
Mencap’s free wills and trusts seminars and information packs can help you to plan for the future giving your family peace of mind.
We have seminars across England, Wales and Northern Ireland. For information on upcoming seminars near you or to request an information pack, please contact:
0207 696 6925 @
willsandtrusts@mencap.org.uk www.mencap.org.uk/willsandtrusts
Registered charity number 222377 (England and Wales); SC041079 (Scotland) 2015.211 2015.211_Senior life
Magazine.indd 1
Mencap’s wills and trusts service is free for anyone who needs it but we rely on gifts in wills to fund this service as well as much more of our work for people with a learning disability and their families. When you write your will, and after you have provided for your loved ones, please consider including a gift to Mencap. Every gift, big and small, will ensure that Mencap continues to be the voice of learning disability long into the future.
20/08/2015 14:40
Page 1 |
Page 2 |
Page 3 |
Page 4 |
Page 5 |
Page 6 |
Page 7 |
Page 8 |
Page 9 |
Page 10 |
Page 11 |
Page 12 |
Page 13 |
Page 14 |
Page 15 |
Page 16 |
Page 17 |
Page 18 |
Page 19 |
Page 20 |
Page 21 |
Page 22 |
Page 23 |
Page 24 |
Page 25 |
Page 26 |
Page 27 |
Page 28 |
Page 29 |
Page 30 |
Page 31 |
Page 32 |
Page 33 |
Page 34 |
Page 35 |
Page 36 |
Page 37 |
Page 38 |
Page 39 |
Page 40 |
Page 41 |
Page 42 |
Page 43 |
Page 44 |
Page 45 |
Page 46 |
Page 47 |
Page 48