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  1. Home
  2. All Blogs

All Blogs

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Which 50-Somethings Must Wait Longer for Their Pension?

The UK State Pension age is rising. From May 2026, people in their mid-to-late 60s began waiting longer. But the change also casts a long shadow over...

Ernest Robinson 5 min
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Retirement Income Sources That Still Trigger Taxes

Many retirees are surprised to learn that their retirement income is still taxed — sometimes heavily. Social Security, 401(k) and IRA withdrawals, pen...

Ernest Robinson 6 min
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How to Measure AI Productivity Beyond Surveys

80% of companies are not actively measuring the ROI of AI. Most rely on surveys — and surveys are the least reliable signal available. A randomised co...

Ernest Robinson 6 min
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Rebranding Strategy for Small to Mid-Sized Businesses

40% of rebrands fail to deliver a positive ROI within two years. Failed rebrands can slash sales by more than 22%. Yet a structured 6–12 month rebrand...

Ernest Robinson 6 min
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Millennial Money Milestones: Which Ones Actually Matter

56% of millennials have delayed at least one major financial milestone due to financial pressure. 60% believe they may never afford at least one of li...

Ernest Robinson 6 min
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How To Manage Your Finances When You Start a Family

Starting a family is one of life's greatest milestones — and one of its biggest financial turning points. The basic cost of raising a child in the UK...

Ernest Robinson 6 min
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Credit Card Traps to Avoid In Holiday Season.

Holiday spending is expected to surpass $1 trillion for the first time in 2025. 21% of US adults borrowed to cover 2025 Christmas expenses. Average ho...

Ernest Robinson 6 min
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Challenging PIP Rejections at Tribunal: 66% Win

Around 66% of PIP appeals that reach a tribunal succeed. The DWP concedes a further 19–24% before the hearing even starts. Yet 65% of claimants give u...

Ernest Robinson 6 min
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What Are My Rights If My Flight Is Cancelled or Delayed?

Only 1 in 10 passengers feel fully informed of their rights when a flight is disrupted, according to the UK Civil Aviation Authority. Airlines can owe...

Ernest Robinson 6 min
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The Hidden 60% Tax Rate UK — and How to Avoid It

The UK income tax system has three official rates: 20%, 40%, and 45%. There is also an unofficial fourth rate that appears nowhere on any standard tax...

Ernest Robinson 6 min
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What Is a Money Market Fund? The Basics

Money market funds hold $8.4 trillion in assets as of June 2026 — one of the largest pools of short-term savings in US financial history, growing 13%...

Ernest Robinson 6 min
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How to Optimise Your Paycheck Withholdings

More than 70% of US taxpayers received a refund in the 2026 filing season. The average was $3,676 — up from $3,324 the year before. That $3,676 spent...

Ernest Robinson 6 min
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What Is the 3-Paycheck Months Strategy?

If you are paid biweekly, two months every year contain a third paycheck — and most people spend it without noticing. On a $75,000 salary, those two d...

Ernest Robinson 5 min
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How to Take Advantage of Your Pre-Tax Savings

Only 14% of employees max out their 401(k). The median worker contributes just 7% — enough to capture the match but leaving a $1.2 million retirement...

Ernest Robinson 5 min
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Best CD Rates September 2026: Up to 4.60% APY

The best CD rates in September 2026 reach up to 4.60% APY — more than 2.5 percentage points above the 1.71% national average. The Federal Reserve held...

Ernest Robinson 5 min
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4 Ways to Lower Your Retirement Healthcare Costs

A 65-year-old retiring in 2026 now needs an estimated $185,500 per person for healthcare costs alone — up 7.5% in one year. Healthcare inflation is ru...

Ernest Robinson 5 min
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Signs You’re Breaking Your Parents’ Bad Money Habits

Money habits form by age seven. By then, children have already absorbed their parents’ relationship with debt, spending, saving, and financial stress...

Ernest Robinson 6 min
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The Hardest Habit Millionaires Must Break in Retirement

One third of retirees reach their mid-eighties with 100% or more of their original savings intact. 75% of retirees say they can afford to spend freely...

Ernest Robinson 6 min
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Dividend Snowball: The Minimum You Need to Start

Dividends have accounted for 31% of S&P 500 total returns since 1926. Waiting just five years to start a dividend snowball cuts the 30-year outcom...

Ernest Robinson 5 min
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What Is APR? An Accountant’s Complete Guide

The average US credit card APR is 20.94%. Americans carry $1.263 trillion in credit card debt. The average UK credit card APR just hit 35.9% — a 14-pe...

Ernest Robinson 6 min
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Bondora Go & Grow Review 2026: 6% Return Explained

Founded in 2008, Bondora is one of Europe’s oldest peer-to-peer lending platforms. In April 2026 its flagship product rebranded as a standalone compan...

Ernest Robinson 6 min
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California Prop 40: Billionaire Wealth Tax Guide 2026

California voters will decide on November 3, 2026 whether to impose a one-time 5% tax on the net worth of approximately 200 to 250 billionaires. Suppo...

Ernest Robinson 6 min
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Post-Penny Economy: Rounding & Card Surcharges Explained

On November 12, 2025, the US Mint struck its final penny. The coin that cost 3.69 cents to produce and was worth 1 cent is gone. As pennies fade from...

Ernest Robinson 6 min
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How Leadership & Culture Drive Business Outcomes

Global employee engagement fell to 20% in 2025 — its lowest since the pandemic. Disengagement now costs the global economy an estimated $10 trillion a...

Ernest Robinson 5 min
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Study Finds 1,260 Genetic Variants Linked to Big Five Traits

by Ernest Robinson

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Study Finds 1,260 Genetic Variants Linked to Big Five Traits

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Anthropic IPO: Should You Buy ANT Shares? What the S-1 Shows

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How to Invest $100: 7 Smart Ways to Get Started Fast Explained

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The Best Aerospace and Defense ETFs to Buy After the Selloff

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