Monday, 19 June 2023

Wednesday, 14 June 2023

amazon blog post

Hi Rob, thank you for a question that compelled me to look too.

I booked a Google Garage AI training course online last month, the guy explained there were 'shifts' to describe the various stages of the internet.

The history of ecommerce started over 40 years ago, when the introduction of early technology like Electronic Data Interchange (EDI) and teleshopping in the 1970s paved the way for the modern-day ecommerce store as we know it today.

The first shift was in the 90's with eCommerce, and Amazon was an early trailblazer.

The history of ecommerce is closely intertwined with the history of the internet. Online shopping became possible when the internet was opened to the public in 1991. Amazon was one of the first ecommerce sites in the US to start selling products online and thousands of businesses have followed since.

Then there was a gap until 2007 when the second shift[1] of mobile happened. The internet came to me.

Bezos earned an undergraduate degree in computer science and electrical engineering from Princeton University in 1986 then worked in the financial services industry in New York City.

- So, he studied computer science and had exposure to the wealth of the financial arena at the bottom level as an employee. I would guess that he witnessed millions of dollars go back and forth with trading and he wanted a slice

In 1994, after realizing the commercial potential of the Internet and determining that books might sell well online, he moved to Washington state and founded Amazon.

You asked "..but i find the rapid scale of his business even at an early stage without funding impressive."

- Basically, he created a business idea for books. Let's pause for a moment, why books? It was an evergreen product. The foundation of every successful eCommerce website; sell something a majority of the population desire and will happily pay money for.

Bezos realised that books have been a part of human civilization for millennia. From stories painted on rocks and in caves by our ancestors, to the Egyptian scrolls, to modern times. Books are cherished by billions,

He didn't need money.In the spring of 1995, Bezos invited a small group of friends and former colleagues to check out a beta version of Amazon’s website, and the first-ever order was placed on April 3 of that year, for a science book titled Fluid Concepts and Creative Analogies. When Amazon.com went live to the general public in July 1995, the company boldly billed itself as “Earth’s biggest bookstore”

Although sales initially were drummed up solely by word of mouth and Bezos assisted with assembling orders and driving the packages to the post office.

In 1997 Bezos took the company public with an initial public offering that raised $54 million.

[1] To break this down, Bezos used his computer knowledge and was born in the era of the second shift and engineered this to his advantage. He chose an evergreen product which basically sold itself, as eCommercde websites started to emerge only 3 years earlier.

Then, on October 23rd, 2000, Google opened it's doors to paid traffic and Google Adwords (now Ads). Benzos invested heavily in PPC and built a growing client base. He hired a talented Digital Marketing team and implemented a strategy that matched the second shift, and started to plan new concepts.

YouTube was bought in 2006 by Google, Social media boomed and YouTube got wildly popular. Suddenly, we were all international and connected in seconds. Ai was just starting to bubble.

AI is a nebulous term; contested amongst interested parties globally on a daily basis. The third shift is now.

2006 was 17 years ago. Mobile, video, social media, and in 2007, the Kindle e-reader was launched. Bezos is an innovator. He's always thinking ahead, which probably explains his interest in aerospace.

Sidenote: In 2004, I quit work and started an eCommerce account with eBay, which is a search engine.

Any platform with a search function is a search engine, unknowingly I was deliberately writing my titles using SEO. I included helpful content, as I was selling 12" dance vinyls, I learned how to CTRL+C CTRL+V code into eBay to embed videos and music clips.

All of images were named on my hard drive [Artist] [Title][Format][Size][Genre][Producer] so it's no stretch to connect the dots between what I was selling then, to what services I provide today.

gggggggg

Hi Rob, thank you for a question that compelled me write an essay as it turns out.

I booked a Google Garage AI training course online last month, the guy explained there were 'shifts' to describe the various stages of the internet.

The history of ecommerce started over 40 years ago, when the introduction of early technology like Electronic Data Interchange (EDI) and teleshopping in the 1970s paved the way for the modern-day ecommerce store as we know it today.

The first shift was in the 90's with eCommerce, and Amazon was an early trailblazer.

Then there was a gap until 2007 when the second shift[1] of mobile happened. The internet came to me. It was in my pocket in a mobile phone.

Bezos earned an undergraduate degree in computer science and electrical engineering from Princeton University in 1986 then worked in the financial services industry in New York City.

In 1994, after realizing the commercial potential of the Internet and determining that books might sell well online, he moved to Washington state and founded Amazon.

You asked "..but i find the rapid scale of his business even at an early stage without funding impressive."

Bezos realised that books have been a part of human civilization for millennia. From stories painted on rocks and in caves by our ancestors, to the Egyptian scrolls, to modern times. Books are cherished by billions,

Although sales initially were drummed up solely by word of mouth and Bezos assisted with assembling orders and driving the packages to the post office.

In 1997 Bezos took the company public with an initial public offering that raised $54 million.

YouTube was bought in 2006 by Google, Social media boomed and YouTube got wildly popular. Suddenly, we were all international and connected in seconds. Ai was just starting to bubble. Then in 2001, Apple released the iPod MP3 player, we had music and internet in our pockets.

2006 was 17 years ago. Mobile, video, social media evolved, and in 2007, the Kindle e-reader was launched, the same year that Apple released it's first iPhone.

Bezos is an innovator. He's always thinking ahead, which probably explains his interest in aerospace today. He stepped down in 2021 to focus on his new company; Blue Origin. The meta description served by Google for the website declares "Blue Origin was founded by Jeff Bezos with the vision of enabling a future where millions of people are living and working in space for the benefit of mankind"

Sidenote: In 2004, I quit work and started an eCommerce account with eBay, which is a search engine.

All of images were named on my hard drive [Artist] [Title][Format][Size][Genre][Producer] so it's no stretch to connect the dots between what I was selling then, to what services I provide today.

AI is a nebulous term; contested amongst interested parties globally on a daily basis. The third shift is now.

We are now in the third shift, and if you want to emulate Bezos, you need an evergreen product which may not be replaced with AI. You can replicate the hidden scrolls in AI, but the originals found by the Dead Sea are priceless.

May I ask why you are researching Amazon's success? Do you have an eCommerce website?

Saturday, 13 May 2023

Google Optimize Discontinued 2023

Google Optimize Discontinued and Terminated in 2023 - What Happens to My Data? Best Free Alternatives? How to backup?

How to to download your Google Optimize data and backup all of your AB test data, as sundown will happen in September 2023. Step by step instructions on what formats are available to export are here to help.

Your data is currently stored in your Google Optimize account and can be exported into an Excel or Google Sheet format. Save a copy in the cloud as well as on your hard drive, we have all heard horror stories about what happens when unique data is accidentally erased, or suffer a corrupt backup file.

How to Backup your Google Optimize Data Online

To download your Google Optimize data, you can follow these steps:

Sign in to your Google Optimize account.
Click on the experiment that you want to download data for.
In the left-hand navigation menu, click on “Reports.”
In the Reports tab, you will see a list of all the reports that you have created for the experiment. Click on the report that you want to download data for.
In the top right corner of the report, click on the “Export” button.
Choose the format you want to export the data to, such as Excel or Google Sheets.
Choose the date range for the data you want to export.
Lastly, it’s just a single click on the “Export” button to download your data.

How Long Do I have Before Downloading My Data With A Google Analytics 360 Contract?

If you are looking to extend or renew your Google Analytics 360 (Universal Analytics) contract in the first half of 2023, you will have the opportunity to renew your Optimize 360 contracts as well. This will apply to service dates ending on or before September 30, 2023.

However, if you have signed a Google Analytics 4 contract, you will not be able to sign an Optimize 360 contract. Nevertheless, you will still have access to Optimize through the integration in Google Analytics 4 until the sunset date of September 30, 2023.

Furthermore, if you have signed a Google Analytics 4 contract but plan to continue using Google Analytics 360 (Universal Analytics) during the transition period, you will have free access to Optimize 360 until the sunset date of September 30, 2023. To take advantage of this offer, it is necessary to keep your Optimize containers linked to GA360 properties.

What is AB Testing and Why is it Important?

You are my perfect client if you are a small business owner with an eCommerce website, speak with me over the phone and book today.

Before you discover which online tools are available at no cost, consider a human alternative – send me a message for SEO and UX design advice.

A/B testing is a method used to compare two versions of something, such as a web page or email, to see which one performs better. It involves creating two different versions of the thing you want to test, and then showing each version to a different group of people. For example, you might create two different versions of a web page, and then show one version to half of your website visitors, and the other version to the other half.

By doing this, you can see which version performs better in terms of achieving a specific goal, such as getting people to sign up for a newsletter or make a purchase. You can then use this information to improve your website or email by implementing the changes that led to better results.

With the retirements of this beloved tool, developers will now be forces to search for new methods to achieve true website visitor personalisation with the main aim on increasing conversion rates, sales and/or enquiries for services focussed companies.

A/B testing is often used by marketers and website owners to optimize their online content and improve their conversion rates. It allows them to test different ideas and make data-driven decisions about what works best for their audience.

A/B testing SEO and marketing content can be a powerful tool for improving the performance of your website or email campaigns, and can lead to increased engagement, conversions, and ultimately, revenue.

Where is my AB Testing Data in my Google Optimize Projects?

The initial sunset announcement from January 20th, 2023 has been revised to clarify that Google Optimize will not be making a return in Google Analytics 4 (GA4).

A lot of SEO’s and developers alike feel that this is a strong indication of a sidestep in focus towards investing in third-party AB testing integrations. If you don’t want to speak to a human and prefer to use an online tool, then do Contact Me and book in a Zoom consultation to explore the more human way of approaching this without the aid of tools.

One of the main features of Google Optimize was its ability to personalise the user experience based on visitors’ location, browsing history, and other factors. This allowed developers to offer a tailored experience to their visitors and improve engagement and conversion rates.

The discontinuation of Google Optimize also raises several challenges for developers, especially for those who heavily relied on this tool for testing and optimization. One of the challenges is identifying the elements that need to be tested. Developers must now identify the most critical elements of their website and create two different versions to test. They also need to split their audience into two groups and track visitors’ behavior to record data such as clicks, conversions, and bounce rates.

Free AB Website Alternatives to Google Optimize - Data on Freemium Online Tools - Cross Platform Headaches

In September of 2023, the free services offered by Google Optimize will cease to exist. Developers everywhere are feeling the loss of this discontinued service, which offered a range of freebie features to help them test and optimise their website projects.

One of the biggest and most popular features that developers will miss is A/B testing. Jargon-free this means when developers can compare two different versions of a homepage (or any web page) and see which one performed better.

Before this is in place there has to be a reason, a target to gather data, usually it’s revenue orientated for eCommerce websites. SaaS and B2B find a hella use with AB testing online.

Creating tailored experiences for website visitors based on their location, browsing history, and more gathered data in an easy to access format using your usual Google login. This was especially popular among developers who wanted to offer a more tailored experience to their visitors, but now they’ll have to come up with new ways to achieve this with freemium tools that may never live up to Google’s super high bar.

Personalisation is another service that will be missed by developers when Google Optimize disappears vamoosh. This withdrawn feature allowed developers to make changes to their website without having to edit the underlying code. This abandoned feature was especially useful for developers who didn’t have a lot of coding experience, but now they’ll have to learn how to edit the code manually.

The integration with other Google products such as Google Analytics and Google Ads was another service that developers will 100% pine after. This terminated feature allowed developers to view and crunch data from multiple sources in one place. Now, developers will have to use separate tools to track and analyse their website data, which may be less convenient and probably more time consuming.

SEO’s and developers will miss the reports and insights provided by Google Optimize. This ceased service provided detailed information on how their website was performing, including click-through rates, conversion rates, and more. Without it, developers will have to rely on other tools to get this information, which may not be as comprehensive or user-friendly.

The soon-defunct service offered a range of free features and services that were highly valued by developers looking to test and optimise their websites. Without it, developers will have to find new ways to achieve the same results, which may be more challenging and sorely missed.

Personalised Results Testing Two Versions of Web Pages - Advantages of AB Data Mining

Sure, Google Optimize was popular for helping developers create a range of hand written experiences for their website visitors. Some of the types of personalised experiences that Google Optimize offered included:

Location-based data: With Google Optimize, developers could create personalized experiences for visitors based on their location. For example, they could display different content or offers to visitors in different regions, or provide them with location-specific information.
Behaviour-based actions: Google Optimize allowed developers to personalize experiences based on a visitor’s browsing history or behaviour on their website. For example, they could display product recommendations based on the visitor’s previous purchases or show content related to their previous interests.
Device-based on the go: With Google Optimize, developers could create personalized experiences for visitors based on the type of device they were using. For example, they could display a mobile-optimized version of their website to visitors accessing it from a mobile device.
Time-sensitive offers: Google Optimize also allowed developers to create customised experiences based on the time of day or day of the week. For example, they could display different content or offers during different times of the day or week, such as promoting lunch specials during lunchtime. This was rolled out in Lockdown throughout the major cities in the UK Nationwide, throughout England, Wales and Scotland. I remember a gift store in the West Midlands that paid a company to run ads on phones via bluetooth whether they came within their wifi or bluetooth range, creating one time use discount codes and offers.

Overall, Google Optimize offered developers a powerful tool for creating personalized experiences for their website visitors. This allowed them to offer a more tailored experience to their visitors, which could help increase engagement, conversions, and overall satisfaction with their website.

There are several free alternatives to Google Optimize that offer similar functionality and features. Here are some popular options:

Google Analytics Content Experiments: This is a free tool that is integrated with Google Analytics. It allows you to run A/B tests on your website to compare different versions of a page and see which one performs better. You can test different page elements such as headlines, images, and calls to action.
VWO (Visual Website Optimizer): This is a free A/B testing tool that allows you to test different variations of your website to see which one performs better. It offers a visual editor that makes it easy to make changes to your website without any coding knowledge.
Optimizely: Optimizely is a free A/B testing tool that allows you to test different variations of your website to see which one performs better. It offers a visual editor that makes it easy to make changes to your website without any coding knowledge.
Crazy Egg: This is a free tool that allows you to create heatmaps of your website to see where visitors are clicking and how they are interacting with your website. It also offers A/B testing functionality to test different variations of your website.
Convertize: This is a free tool that offers A/B testing, personalization, and behavioral targeting. It allows you to create personalized experiences for your visitors based on their behavior on your website.

What are the benefits of a free AB Testing tool online?

the discontinuation of Google Optimize has left many developers looking for alternative solutions to A/B testing and customisation. However, there are several options available, including A/B testing tools ( some popular ones are listed above) and building your own tool. While the loss of Google Optimize may pose challenges in the short term, it presents an opportunity for developers to explore new ways of optimizing their websites and improving user engagement and conversion rates.

The 11 year old popular web analytics and testing tool by Google has provided essential insights for developers to run experiments and improve website performance for over a decade. Since Google has announced that they will be discontinuing the free version of Google Optimize in September 2023, this has left many developers searching for alternative solutions to A/B testing and data analysis.

To address the challenges posed by the discontinuation of Google Optimize, there are several alternative solutions that developers can explore. One of the most popular alternatives is A/B testing tools like Optimizely, VWO, and AB Tasty. These tools provide a similar range of features to Google Optimize and enable developers to test multiple changes on their website and optimize for engagement, conversion rates, and other success metrics.

Another solution is to build your own A/B testing tool using web development frameworks like React, Vue.js, and Angular. This approach requires more technical expertise but can be highly customized and provide more control over the testing process.

Wednesday, 19 April 2023

Fee Free Mortgage Advice - Independent Advisor Weston-super-Mare, Bristol, Somerset and UK

The Better Mortgage Company

Independent Advisor Weston-super-Mare, Bristol, Somerset and UK

When making a big decision, it’s human nature to seek advice from those who know what they’re doing, whether it is choosing your next car or scoping your next holiday destination. Buying a house is one of the biggest transactions you’ll ever make, so it makes sense to speak to an mortgage adviser before you get started.

Our goal is to help clients save time and energy, and our personal, tailored approach ensures that every client receives tailored guidance that is specific to their distinct financial circumstances and objectives.

We are open 7 days a week, try out our chat facility in the bottom of our website, give us a call on 01173 710062 or send an old fashioned email using our Contact Us quick form.

Worle, Weston-super-Mare Remortgage Advice Somerset

Did you know? Becoming a qualified local mortgage advisor in the UK requires a combination of education, certification, and continuous professional development, as well as a commitment to adhere to ethical and regulatory standards. Our team cover the M5 corridor; Bristol is 19 miles away from Weston-super-Mare, Almondsbury is 18 miles, Winterbourne 15 miles, Long Ashton 14 miles, Portishead/Clevedon is 11 miles, Nailsea just 8 miles and closest of all Worle is only 4 miles from the town centre.

https://www.youtube.com/watch?v=dx-q0N2XZPg

Becoming a qualified mortgage advisor in the UK involves a comprehensive training process that aims to equip aspiring professionals with the necessary skills, knowledge, and expertise to advise clients on their mortgage options. This process typically starts with obtaining a relevant educational qualification, such as a degree in finance or economics.

Once the educational requirement is fulfilled, individuals must complete a mortgage advising certification program, such as the CeMAP (Certificate in Mortgage Advice and Practice) or equivalent, recognized by the Financial Conduct Authority (FCA). This certification program covers the key areas of mortgage advice, including the mortgage market, legislation, and regulations, as well as financial mathematics, product knowledge, and communication skills.

Upon successful completion of the certification program, individuals must complete a minimum of 20 hours of structured continuing professional development (CPD) annually to maintain their qualification and stay up-to-date with the latest industry developments.

In addition, mortgage advisors must also pass an FCA fit and proper test, which assesses their knowledge of ethical and regulatory requirements and their ability to provide competent and unbiased advice to clients.

One of our Better Mortgage independent mortgage advisers provides a more comprehensive, impartial, personalized, expert, and time-saving service than a lender or a bank, making them a valuable resource for anyone seeking advice on their mortgage options.

Local Better Mortgages - First Time Buyers? Let's chat

There are many advantages of avoiding the internet or high street lenders - here's some great reasons to speak with us here at Better Mortgages:

We have broader product knowledge: Independent mortgage advisors have access to a wider range of mortgage products from a variety of lenders, whereas banks and lenders typically only offer their own products. This allows independent advisors to provide more comprehensive advice and recommend the most suitable mortgage options for a client's individual circumstances.
We offer unbiased advice: Independent mortgage advisors have no affiliation to any particular lender or bank and therefore provide impartial and unbiased advice, whereas banks and lenders may have a vested interest in promoting their own products.
Very personal service: Independent mortgage advisors work closely with clients to understand their individual financial circumstances and needs, and tailor their advice accordingly. This level of 121 service is often not available from banks or lenders, or out of office hours.
Expert guidance: Independent mortgage advisors are trained and regulated to provide expert guidance and advice on the mortgage market, which can help clients navigate the complex process of securing a mortgage and make informed decisions.
Effective time management: Independent mortgage advisors can save clients time by undertaking much of the research and paperwork involved in securing a mortgage, freeing up their time to focus on other important matters.

For a first time buyer in England, what advantages are there in the home buying process, considering there will be no property chain:

Improved bargaining power: A chain-free buyer is often viewed as a more attractive proposition by sellers, as they are seen as less likely to encounter complications during the transaction. This can provide a first-time buyer with improved bargaining power when negotiating the price and terms of the sale.

Time is of the essence: A chain-free transaction eliminates the need to wait for other buyers and sellers to complete their own transactions, which can significantly speed up the home buying process.

Increased certainty: Without the uncertainty of other transactions impacting the completion of your own, a chain-free purchase provides a higher degree of certainty and reduces the risk of delays.

Cost savings: Chain-free transactions can often result in lower costs, such as lower legal fees and reduced stamp duty costs as first-time buyers are exempt from paying stamp duty on properties up to £425,000 (This part I'm unsure about as it's been a while since I've written for this industry)

Fewer negotiations: A chain-free transaction eliminates the need for negotiations with other parties in the chain, which can simplify the home buying process.

10 STEPS TO BUYING YOUR FIRST HOME

Budgeting and pre-approval: Determine how much you can afford to spend on a property, and consider getting pre-approval (Referred to as an agreement or decision in principle) from a lender by talking with a mortgage broker to ensure you have a clear idea of your budget.

Property search: Start searching for properties that meet your needs and budget. Consider using an estate agent, or searching online for properties available for sale.

Offer and acceptance: Once you have found a property you wish to purchase, make an offer to the seller. If your offer is accepted, you will need to instruct a solicitor to start the legal process and instruct your mortgage broker\lender to start the full application process

Home survey: Arrange for a home survey to assess the condition of the property. Different types of home surveys are available, including a basic condition report, homebuyer report, and full building survey.

Stamp duty: Calculate the amount of stamp duty you need to pay, taking into account any exemptions or reliefs available, such as the first-time buyer's exemption.

EPC: Obtain an Energy Performance Certificate (EPC) for the property, which provides information on its energy efficiency and environmental impact, the seller should be able to provide you with this

Legal work: Your solicitor will carry out various legal checks and negotiations, including reviewing the contract of sale, title deeds, and any special conditions or warranties.

Effective negotiation: Negotiate with the seller or their estate agent to agree on the terms of the sale, such as the price, completion date, and any other conditions.

Bridging loans: Consider whether a bridging loan is required to help finance the purchase if the completion date of the sale of your current property and the purchase of the new property do not coincide. Bridging loans can be expensive and it is important to fully understand the terms and conditions, including any penalties for early repayment.

Exchange of contracts and completion: Once the legal work and negotiations are complete, the contracts for the sale and purchase are signed and exchanged, and the completion date is set. On exchange of contracts you must insure the building as you will be responsible for he building and on the completion date, the buyer pays the balance of the purchase price and takes ownership of the property and usually moves into their new home, which is usually the most exciting part.

The process of saving for a home deposit using a Lifetime ISA, as outlined on the UK government's website, can be described as follows:

Open a Lifetime ISA: To start saving for a home deposit using a Lifetime ISA, you'll need to open an account with a government-authorised provider⁴

Make contributions: You can contribute up to £4,000 per tax year into your Lifetime ISA, and the government will add a 25% bonus on top of your contributions, up to a maximum of £1,000 per tax year.

Wait until you are ready to buy: You can use the savings in your Lifetime ISA to buy a home once you have reached the age of 60, or to save for retirement.

Using the example of a property on the market for £250,000 with a 5% deposit requirement, you would need to save £12,500 for the deposit. If you contributed the maximum amount of £4,000 into your Lifetime ISA every tax year and received the maximum government bonus of £1,000 per year, it would take approximately three years to reach the deposit amount, assuming no interest is earned on the savings.

According to findings from Legal & General¹, almost three quarters of consumers seek mortgage advice to help them find the right mortgage deal, and 95% of those surveyed would recommend that their friends and family seek an adviser.

Despite this however, there are still many homebuyers that go direct to lenders, potentially missing out on more suitable mortgage deals and lacking the vital advice that can help them ensure a secure future for their loved ones. You might already have a mortgage and be looking to remortgage – how do you know you’re getting the most appropriate one for you?

Your bank or building society may offer you a tempting mortgage deal – but without looking around properly, it’s easy into committing to something that you may later regret.

This is where the real value of a mortgage adviser shows – we are able to look across the market at hundreds to thousands of mortgage deals and listen to your exact circumstances to recommend the most suitable deal for you. Not everyone is the same, and we listen before giving bespoke advice, based on years of experience.

Protecting you and your family

It’s important to protect you and your family for the future too – by going it alone, often you’ll miss out on vital advice on what’s out there to help ensure your home remains yours, even when life doesn’t go to plan.

The average household is just 24 days from the breadline, should you lose your main source of income² and over 35% of homebuyers surveyed by Legal & General³ said that they were concerned about their family’s financial security if one of them were to die or lose an income.

When making such a big decision to buy a home, it’s vital to have a backup plan in place for you and your family’s peace of mind, but the range of protection insurances out there can seem overwhelming, and expensive. We will use our expertise to listen to your exact circumstances and recommend the protection that will benefit you and your family.

Six Reasons to Seek Mortgage, Protection & Insurance Advice

Greater peace of mind – it is the role of your adviser to help you make the right financial decisions, based on your needs and circumstances.
Competitive deals – we have visibility and access to a wide range of mortgage lenders and insurance providers, giving you greater choice.
Benefit from the experience – Our advisers are fully qualified to help you with your borrowing needs, and act in line with Financial Conduct Authority regulations.
Faster & more efficient - We can help you with the details of your mortgage application, and we will aim to be accurate and timely.
Act In Your Interests– we act truly in your own interests, listening to your circumstances and only recommending what’s right for you.
Lasting protection and security – we will explain which insurance policies are most applicable to you to make an informed judgement to protect you and your family.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

There may be a fee for mortgage advice. We will not charge a fee for protection advice.

Availability and cost of cover is subject to criteria such as age, lifestyle, current health and medical history.

Sources

1 https://www.legalandgeneral.com/adviser/files/mortgage-club/_pdfs/value-mortgage-advice-2019-v14b-adviser.pdf

2 https://www.legalandgeneral.com/adviser/protection/news-insight/deadline-to-breadline/

3 https://www.legalandgeneral.com/adviser/files/mortgage-club/_pdfs/value-mortgage-advice-2019-v14b-adviser.pdf

4 https://www.gov.uk/lifetime-isa

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