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If you are one of the two and a half million landlords in the UK, do you know everything you need to know about landlord insurance? Have you got the right coverage? And do you know how much landlord insurance is?

What type of insurance do I need as a landlord?

Landlord insurance is not a legal requirement, but it is definitely recommended. Mainly because conventional home insurance won’t cover you for rental activities.

By renting out your property, you increase your level of risk because you are not the one living at the property – your tenants are. So landlord insurance is more about covering the risk of things like non-payment of rent or damage by tenants, as well as what a ‘normal’ home insurance policy would cover.

What responsibilities do I have as a landlord?

There are certain things that you need to do as a landlord in … Read more

The FTSE 250-listed insurance provider Just Group (LSE: JUST) saw its share price sky-rocket after releasing its business update today. With a 17% price increase as I write, the Just Group share price is finally back to the pre-crisis levels of around a year ago. 

This is encouraging for a share that saw quite the fall last year. It lost over half its value from the highs seen in February 2020. But I think the important question now is whether JUST can maintain these share price levels and rise from here on. 

I believe there are arguments both in its favour and against it. 

What favours Just Group

Just Group’s latest performance is clearly something that goes in its favour. Its sales are up 12% and it’s fortifying itself against risks by reducing its exposure to the UK’s property market, as well. 

JUST’s also optimistic about 2021. According to … Read more

Tougher lockdown rules are being introduced in Scotland to help stop the spread of coronavirus, First Minister Nicola Sturgeon has announced. Here’s the lowdown on the new rules and some tips on how to make the most of lockdown.

What’s the current situation in Scotland?

Most of Scotland (apart from a few islands) has been in full lockdown since 5 January, with a legal requirement for people to stay at home.

You cannot leave home except for essential reasons such as work, a medical appointment, to collect food and supplies and for exercise. Many non-essential shops and services are shut.

What are the new lockdown rules?

There are concerns that the current ‘stay at home’ message isn’t having the same impact as it did in previous lockdowns. So, the Scottish government is enforcing the following six changes to the current lockdown rules:

• Click and collect services are limited to

2020 was a terrible year for Rolls-Royce (LSE:RR). 

While management had previously expected RR to generate free cash flow (FCF) of at least £1bn, the pandemic changed everything. Due to the coronavirus, the number of flying hours in civil aviation dropped sharply. Management now expects negative FCF of £4.2bn for 2020. Given the cash outflow, Rolls-Royce has had to issue more shares through a rights offering. The company also expects to end 2020 with net debt of between £1.5bn and £2bn when excluding lease liabilities. 

With that said, the future could be better than the past. 

While 2020 has been terrible, I nevertheless think 2021 will be better thanks to the development and rollout of vaccines. Pfizer’s vaccine has already been approved in both the US and UK and many other vaccine candidates look promising. 

With the arrival of a new year, here’s what I think is next for … Read more

Last year saw many firms suspend or halt their dividends. Times were tough, and uncertain, and companies needed to make cuts. Though we are hoping for better now, there is still much uncertainty surrounding Covid-19, vaccines, and the economic impact of lockdowns. With all this to worry about, here is what to look for when selecting dividend shares this year.

My top three criteria for dividend shares in uncertain times

Many of my normal rules for selecting dividend shares go out the window when times are risky. However, some become more important than ever. Even in these uncertain times, there are strong companies out there performing well. Some of these firms pay dividends. If their shares are trading at lower prices now, then it may be possible to lock in high yields.

Reduce risk with big blue chip stocks

In risky times, when looking to invest for income, this is … Read more