Everyone should have a Will to avoid complications that may occur if someone were to pass away, but many people keep putting it off.
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Few people realise how essential it can be to have in place a Power of Attorney which would cover them should they lose the legal capacity to make decisions for themselves.
It may be seen by some as a positive part of the Scottish property sales process, but it has its detractors.
The big winners are expected to be those on variable and tracker rate mortgages who stand to save around £25-a-month for every £100,000 they borrow.