\u201cMoney Matters\u201d by Chris Morgan<\/b><\/p>\n
Chris Morgan\u2019s finance column has now evolved into the \u201cMoney Matters\u201d Column that will run alongside our new touring \u201cMoney Matters\u201d Seminars that are provided free for Peer Support Mentors and Service Users. The column is now written for a syndication and print readership of approaching 20,000, which is an amazing response from our all of our charity and advocacy partners within the community. Thank you so much for your support!<\/p>\n
The new \u201cMoney Matters\u201d Tour opens with seminar dates this coming spring, hosted by Terrence Higgins Trust in London and George House Trust in Manchester. The content of the new seminars will be very different to the previous workshops that we delivered to HIV professionals throughout 2017, with more of a focus on consumer issues such as credit reports, credit scoring, buying a house, mortgages, along with useful relevant case examples.<\/p>\n
To book tickets to these new events visit the Eventbrite links at www.unusual-risks.co.uk<\/a><\/strong><\/p>\n Right to Buy<\/b><\/p>\n Over the last year I have met several clients who have delayed their \u201cRight to Buy\u201d on their local authority property due to their HIV status. The general consensus was that they didn\u2019t think they could get a mortgage, or they thought Life Assurance would be a condition of the mortgage loan. Both of these are in fact untrue and people living with HIV have always been able to raise mortgage finance without taking Life Assurance.<\/p>\n In a recent case example, we arranged a mortgage for a couple who had first asked for their Right to Buy paperwork from the Local Authority four years ago and then decided not to proceed due to their HIV status. The latest figures they have received from their Local Authority mean they now have to pay an extra \u00a325,000 for the property. If you think you have the \u201cRight to Buy\u201d your property, then don\u2019t delay, as it may cost more if you decide to buy later.<\/p>\n Sign Posting<\/b><\/p>\n I\u2019ve been encountering this word \u201cSign Posting\u201d a great deal on my travels across the\u00a0 country, whilst interacting with HIV professionals and also while reading a community report on HIV & Finance. There are many draw backs of sign posting service users and clients to \u201cmainstream\u201d brokers and online finance super markets, which I have witnessed\u00a0 recently, particularly around Life Assurance and Life Insurance products that require detailed medical underwriting.<\/p>\n Currently, up to three times a week I\u2019m speaking with people that have tried to arrange Life Cover themselves via either mainstream brokers without any experience of HIV or via online super markets, who are simply are not equipped to deal with complex medical situations associated with HIV. Many of these people are as a result applying to Life Assurance companies, who do not even offer Life Assurance to people living with HIV.<\/p>\n Surely it is better to \u201cSign Post\u201d people to a financial adviser with almost 20 years\u2019 experience of advising people living with HIV?<\/p>\n Free Financial Advice<\/b><\/p>\n The ongoing \u201cMoney Matters\u201d theme is designed to encourage people living with HIV to look after their financial future and provide a way that people can connect with financial advisers that are highly experienced advising people living with HIV. The Seminars are free, so Peer Support Mentors, service users, their friends and families can gain access to financial information and ask questions without any obligation whatsoever.<\/p>\n Most financial advisers derive their income through fees and commissions when they arrange a financial product for a client. By providing free taster seminars Unusual Risks and Unusual Mortgages are offering the opportunity to the HIV Community to \u201cSign Post\u201d clients and service users, to learn about finance and plan for the future, without any obligation whatsoever.<\/p>\n I look forward to meeting you all at one of my seminars soon!<\/p>\n Chris Morgan is the Lead Financial Adviser of Unusual Risks <\/i><\/b>www.unusualrisks.co.uk<\/i><\/b><\/a> and Unusual Mortgages <\/i><\/b>www.unusualmortgages.co.uk<\/i><\/b><\/a> He has been advising people living with HIV for 20 years and is a consultant to the Association of British Insurers HIV and Insurance Working Group. He may be contacted by phone 0845 474 3075 or by Email <\/i><\/b>chris@unusualrisks.co.uk<\/a><\/i><\/b><\/p>\n","protected":false},"excerpt":{"rendered":" \u201cMoney Matters\u201d by Chris Morgan Chris Morgan\u2019s finance column has now evolved into the \u201cMoney Matters\u201d Column that will run alongside our new touring \u201cMoney Matters\u201d Seminars that are provided free for Peer Support Mentors and Service Users. The column is now written for a syndication and print readership of approaching 20,000, which is an […]<\/p>\n","protected":false},"author":3,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-848","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/unusual-risks.co.uk\/index.php?rest_route=\/wp\/v2\/pages\/848","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/unusual-risks.co.uk\/index.php?rest_route=\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/unusual-risks.co.uk\/index.php?rest_route=\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/unusual-risks.co.uk\/index.php?rest_route=\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/unusual-risks.co.uk\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=848"}],"version-history":[{"count":3,"href":"https:\/\/unusual-risks.co.uk\/index.php?rest_route=\/wp\/v2\/pages\/848\/revisions"}],"predecessor-version":[{"id":906,"href":"https:\/\/unusual-risks.co.uk\/index.php?rest_route=\/wp\/v2\/pages\/848\/revisions\/906"}],"wp:attachment":[{"href":"https:\/\/unusual-risks.co.uk\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=848"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}