The Innovative Finance ISA (IFISA) is a tax efficient investment product which allows individual retail investors to grow returns by investing directly into growing British businesses on peer-to-peer lending and crowdfunding sites.
Crowd2Fund is one of just a handful of platforms which has received full approval from the Government, direct certification from the FCA before launching their IFISA product.
Current market volatility, record low interest rates and a generally low return investor environment has seen the IFISA become increasingly popular as savers and investors now more than ever look to be more savvy with their investments, and make their money do more for them. The recent interest rate cut to 0.25%, and the pound’s depreciation against a number of different currencies have led to traditional savings products not being the safe havens that they once were.
Additionally, whilst there are riskier investments on the market which can sometimes still offer decent returns, investors cannot always be so sure about their position on these opportunities due to a lack of transparency plaguing the wider investment market.
What Is The IFISA?
The IFISA is a new financial product introduced by the Government in the current tax year.
It allows UK individuals to invest up to £15,240 (in the tax year 2016/17) into qualifying debt based crowdfunding platforms.
Debt based crowdfunding platforms, like Crowd2Fund, allow for individuals to lend money directly to businesses seeking loan finance. Typically, the returns offered by debt crowdfunding are significantly higher than those offered by savings accounts and cash ISAs. Even more so via the handful of platforms like Crowd2Fund, whereby investing direct into businesses, disintermediating the banks and third party institutions, frees up more returns for the end investor – so everyone’s better off.
The average APR on Crowd2Fund is currently 8.7%. Conversely, the most recent best buy tables show the highest interest rates offered by savings accounts as being around 1.4%, with the top ethical cash ISAs being 1.1%
The IFISA is fast becoming a more attractive option as it enables investors to invest tax efficiently, with the interest accrued being tax free. This means that over time returns will increase even further due to your portfolio benefiting from compounding interest.
Potential For Large Returns If Risks Are Managed Effectively
Crowd2Fund has been trading for over two years, and in this time no business has defaulted on their interest and capital repayments.
One of the reasons for this success rate is a result of compliance being at the core of Crowd2Fund’s model. The platform offers a best in class service, and performs thorough due diligence and credit checks on any businesses seeking to raise finance on the platform.
This sharp focus on compliance has allowed Crowd2Fund to become fully, directly FCA regulated upon launch, and is a key reason why they are one of a very select number of platforms to have been given the green light for the IFISA.
However, investors should be warned that investing into P2P and the IFISA can put their capital at risk. However, for any investor, the best way to manage risk is to diversify your portfolio and spread risk across a number of different asset classes. The ability to do so is inherent within Crowd2Fund’s model, which allows investors to invest in a range of different businesses, of different sizes and across different sectors – from ethically, socially led enterprises and retail, to media, advertising, hospitality and entertainment.
Crowd2Fund also provide investors with the chance to invest into a number of ethical businesses, as well as offering the chance of high returns to investors. Investing directly into businesses such as these gives investors ethical investors assurance and transparency around their investments.
Since its listing on Crowd2Fund, Silo has received substantial media coverage including appearances on television, alongside being featured in the Guardian and the Independent and Vice.
Open Your IFISA Today
Opening your free IFISA on Crowd2Fund is as easy as filling in a short form on the website – and it’s possible to transfer existing ISAs. Having launched their very own iOS powered app, you can even open your IFISA and manage your portfolio on the go from the click of a button.
What Kitchen Suits Your Style? Modern, Classic or Shaker?
A kitchen is the centre of the home. Your kitchen ranges between where friends and family gather, talk about their day, cook meals, have drinks, to somewhere you can just enjoy each other’s company. The kitchen is the heart of the home. But, everyone’s lifestyle is different. Everyone’s taste is different. So, you need a kitchen that not only mirrors your lifestyle but matches your taste too. Whilst some prefer a more traditional design, others want a modern feel or flair – and it’s all down to personal taste.
When it comes to redesigning your kitchen, what style would you go for? It’s a difficult one isn’t it. With so many different styles to go for, how can you know exactly what you want until you’ve seen it in action? Leading kitchen designer, Roman Kitchens, based in Essex, have provided three examples of bespoke kitchens and styles they specialise in, accompanied with beautiful images. This design guide will get you one step closer to picking your dream kitchen for your home.
New home in the city centre? Or even a sleek new modern build? You want a trendy and modern kitchen to reflect your city lifestyle. In modern kitchen design, colours are bolder and fresher, with sleek design and utilities that are distinctive and vibrant.
This modern kitchen is sleek and smooth with flawless design and beauty. Minimalism doesn’t stop this kitchen standing out. Featured walls of wood and vibrant mint green draw the eye, whilst the white surfaces reflect the light, illuminating every nook and cranny of this kitchen. This kitchen features products from Rotpunkt, innovators of modern kitchen design. Made with German engineering, a Rotpunkt Kitchen is the ultimate modern addition to your home. Rotpunkt Kitchens have timeless design and amazing functionality, they work for every purpose and are eco-friendly. Sourced from natural materials, a Rotpunkt kitchen uses 37% less timber, conserving natural forests and being more environmentally conscious.
Prefer a homely and traditional feel? Classic kitchens are warm, welcoming and filled with wood. Wood flooring, wood fixtures, wood furniture – you name it! You can bring a rustic feel to your urban home with a classic kitchen. Subtle colours and beautiful finishes, Classic kitchens are for taking it back to the basics with a definitive look and feel.
With stated handles for cupboards, Classic kitchens are effortlessly timeless. They convey an elegant but relaxing nature. Giving off countryside vibes, natural elements convey a British countryside feel. The wood featured in a classic kitchen can range between oaks and walnut, creating a warmth and original feel to your home. Soft English heritage colours add a certain mood to your home, softening the light making it cosier.
Any kitchen planner will tell you that the meeting point between traditional and modern design, is a Shaker kitchen. They have a distinctive style and innovative feel. Shakers are fresh, mixing different colour tones with stylish wood and vinyl. The most important feature of a Shaker kitchen is functionality – every feature needs to serve a purpose in the kitchen. Paired with stylish and unique furniture, a Shaker kitchen is an ideal addition to any home.
The ultimate marriage between Classic and Modern kitchens, this Shaker kitchen has deep colour tones with copper emphasis features. All the fittings and fixtures blur the line of modern and tradition, with a Classic look but modern colour vibe. Unique furniture and design make Shaker Kitchens perfect for the middle ground in kitchen design. Minimal but beautifully dressed. Traditional but bold and modern at the same time. Storage solutions are part of the functionality of Shaker kitchens, but don’t detour from conveying yours as a luxury kitchen.
Whatever you choose for your new kitchen, be it Modern, Classic or Shaker – pick whatever suits you. Taste is, and always will be, subjective – it’s down to you.
Ways Green Preppers Are Trying to Protect their Privacy
Environmental activists are not given the admiration that they deserve. A recent poll by Gallup found that a whopping 32% of Americans still doubt the existence of global warming. The government’s attitude is even worse.
Many global warming activists and green preppers have raised the alarm bell on climate change over the past few years. Government officials have taken notice and begun tracking their activity online. Even former National Guard officers have admitted that green preppers and climate activists are being targeted for terrorist watchlists.
Of course, the extent of their surveillance depends on the context of activism. People that make benign claims about climate change are unlikely to end up on a watchlist, although it is possible if they make allusions to their disdain of the government. However, even the most pacifistic and well intentioned environmental activists may unwittingly trigger some algorithm and be on the wrong side of a criminal investigation.
How could something like this happen? Here are some possibilities:
- They could share a post on social media from a climate extremist group or another individual on the climate watchlist.
- They could overly politicize their social media content, such as being highly critical of the president.
- They could use figures of speech that may be misinterpreted as threats.
- They might praise the goals of a climate change extremist organization that as previously resorted to violence, even if they don’t condone the actual means.
Preppers and environmental activists must do everything in their power to protect their privacy. Failing to do so could cost them their reputation, future career opportunities or even their freedom. Here are some ways that they are contacting themselves.
Living Off the Grid and Only Venturing to Civilization for Online Use
The more digital footprints you leave behind, the greater attention you draw. People that hold controversial views on environmentalism or doomsday prepping must minimize their digital paper trail.
Living off the grid is probably the best way to protect your privacy. You can make occasional trips to town to use the Wi-Fi and stock up on supplies.
Know the Surveillance Policies of Public Wi-Fi Providers
Using Wi-Fi away from your home can be a good way to protect your privacy.However, choosing the right public Wi-Fi providers is going to be very important.
Keep in mind that some corporate coffee shops such a Starbucks can store tapes for up to 60 days. Mom and pop businesses don’t have the technology nor the interest to store them that long. They generally store tips for only 24 hours and delete them afterwards. This gives you a good window of opportunity to post your thoughts on climate change without being detected.
Always use a VPN with a No Logging Policy
Using a VPN is one of the best ways to protect your online privacy. However, some of these providers do a much better job than others. What is a VPN and what should you look for when choosing one? Here are some things to look for when making a selection:
- Make sure they are based in a country that has strict laws on protecting user privacy. VPNs that are based out of Switzerland, Panama for the British Virgin Islands are always good bets.
- Look for VPN that has a strict no logging policy. Some VPNs will actually track the websites that you visit, which almost entirely defeats the purpose. Most obviously much better than this, but many also track Your connections and logging data. You want to use a VPN that doesn’t keep any logs at all.
- Try to choose a VPN that has an Internet kill switch. This means that all content will stop serving if your VPN connection drops, which prevents your personal data from leaking out of the VPN tunnel.
You will be much safer if you use a high-quality VPN consistently, especially if you have controversial views on climate related issues or doomsday prepping.