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Essential Cyber Security Tips for Online Safety

In an era where digital threats are evolving rapidly, safeguarding your online presence is paramount. Our essential cyber security tips offer comprehensive guidance to protect your personal and financial information from cyber threats, ensuring peace of mind in the digital world.

Cyber Security Best Practices: Stay Safe Online
Use Strong Passwords: Create passwords using three random words (e.g. coffee-train-lamp). Avoid predictable
patterns and never reuse passwords across accounts.

Enable Multi Factor Authentication (“MFA”): Turn on multi factor authentication wherever possible. This adds an
extra layer of security beyond your password.
Keep Software and Devices Updated: Install updates for your operating system, apps, browsers, and antivirus
promptly. Enable automatic updates to stay protected.
Backup Your Data: Regularly backup important files to cloud storage or encrypted external drives. Automate
backups where possible and verify they work.
Be Alert to Phishing: Treat unexpected emails, texts, or calls with caution, even if they look genuine. Never click
links or open attachments unless you’re sure they’re safe. Verify requests via official channels.
Use a Password Manager: Store and manage your passwords securely with a reputable password manager. This
helps you maintain unique, strong passwords for all accounts.
Secure Your Wi-Fi: Change default router passwords and use WPA2 or WPA3 encryption.
Protect Your Identity: Limit personal information shared online. Cybercriminals use social engineering to exploit
details from social media and public profiles.
Think Before You Act: Pause before approving large transactions or sharing sensitive data. Confirm legitimacy
through official sources.
Report Suspicious Activity: If you encounter fraud or scams, report them to Action Fraud or your local cybercrime
authority. Quick reporting helps prevent further harm.


By embracing these guidelines, you create a safer online environment for yourself and others, safeguarding personal
and financial information against emerging cyber threats.

This communication is for informational purposes only and is not intended to constitute, and should not be construed as, investment advice, investment recommendations or investment research. You should seek advice from a professional adviser before embarking on any financial planning activity. Whilst every effort has been made to ensure the information contained in this communication is correct, we are not responsible for any errors or omissions.

Other News

Go Dutch?

French FlagBritish expats in the Netherlands are experiencing a difficult time at the moment. Not only do they have to deal with continued uncertainties over Brexit as well as government plans to overhaul the 30% expat tax break, they are also now having to digest news that the Dutch government is readying itself to publish new legislation regarding dual nationality.

However, early news suggests that developments on this final matter could prove to be rather more encouraging – albeit with a number of qualifications – with initial statements indicating that preparations are being made to reduce some of the restrictions on dual-nationality in the Netherlands.

As it stands, expats who wish to remain in the Netherlands and embrace Dutch citizenship are, in the majority of cases, obliged to renounce their nationality of origin. The choice is stark and onerous: go Dutch or stay as you are. This, of course, will prompt a number of British and Netherlands wealth management considerations and must be considered very carefully.

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What next for UK interest rates?

Rising GraphsInterest rates finally rose above 0.5 per cent in August – almost a decade after the emergency cut to that level. The Bank of England’s MPC voted to raise rates to 0.75 per cent on 2nd August, casting aside worries over a no-deal Brexit, as it said that low unemployment merited a hike to keep inflation on target.

The 9-0 vote to raise rates was accompanied by a quarterly Inflation Report, which showed that, despite August’s hike, the market outlook was for rates to go up more slowly over the next three years than previously expected and that no further move is expected until at least the middle of next year. The recent rate rise was widely expected as the Bank had not sent out any signals to dampen forecasts of a hike, unlike in the run-up to the May decision when a move up failed to happen. The question now is whether this is a one-off hike, or the start of a slow but steady rise in interest rates. A lot will depend on how the British economy fares over the rest of this year and into 2019, before the UK’s exit from the EU. If there is a marked slowdown then it is likely that rates will stall again. Even worse, a recession would most likely see a further interest rate cut. 

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