Market Update

Market Update

Markets have had a rough start to the year and the pain has been created due to a change in interest rate expectations.  Investors have been fretting about inflation for some time now, however the response from central banks has been that it will be transitory, and it...
Financial mis selling

Financial mis selling

I was recently introduced to a potential new client who had been ‘sold’ an unregulated investment and as has been the case much too often recently, this turned out to be a bogus investment. The poor individual is now looking at nearly a 6-figure loss on the...
Healthcare

Healthcare

We hear pretty much every day at present that our healthcare system is close to breaking point and collapse.  The pandemic has put huge pressures on an already struggling system.  We have become obsessed with Covid cases and seem to think that it is the sole measure...
Inflation and overreacting

Inflation and overreacting

We seemingly love to overreact to things.  I’m not sure if it is a reaction to missing out or peer pressure or maybe fear and greed.  The petrol ‘crisis’ a couple of weeks ago is a great example.  It was seemingly triggered by a statement from BP and Esso saying they...
Income Options

Income Options

Thinking ahead to life after work, which may be close, may be a long way off, but wherever you are in life, it makes sense, when you can, to think about your income streams.For many people, retirement = pension. Yes, pensions are likely to form an integral part of...
20 years of change

20 years of change

There are a few moments in life where everyone remembers where they were when it happened and the impact it has on lives.  The biggest moment in my lifetime is probably the September 11th attacks in the US, which is twenty years ago this week.  It had profound impacts...