Should we believe everything we read in the press?

The 1992 general election delivered one of the biggest shocks in political history. The Conservatives had been in power for 13 years and coming into the election the odds were stacked against them; rising unemployment, interest rates at over 10% and collapsing house prices. All predictions pointed towards a hung parliament, or narrow Labour victory.

Keep Calm – Carry On

This feels a bit like Groundhog Day, doesn't it? We go to bed thinking one result is pretty much a done deal and wake up to the shocking reality that the opposite has happened.

Why I think William Hague is wrong when it comes to savers

William Hague wrote a fascinating and passionate article in the Telegraph entitled “Central banks have collectively lost the plot. They must raise interest rates or face their doom”. Some of what he says I agree with; particularly the challenges with the route taken by central bank being that we don’t know what the final outcome might be. However, there are several things that I take issue with and I think reflects a changing society that is being missed by the likes of William Hague, Theresa May and others.

Low interest rates = cheap mortgages = time to buy

In theory low interest rates mean low mortgages, and therefore house prices should be a lot higher than they are. I recently saw Martin Lewis discussing how people applying for mortgages should “tidy up” their finances first. At the time I believed he was encouraging applicants to “fudge” their income (and expenditure) to get a […]

Fill your boots….the world of falling interest rates

We have effectively entered the parallel universe and we really don’t know what the future will look like. If I was writing this blog on the 31st May 2016, I would be saying that the last time interest rates went up was in July 2007, and since then they had fallen and settled at the […]

Quarterly Market Update – October 2016

When we wrote the last quarterly update the vote to leave the EU was uppermost in our minds. With the fallout it was easy forget that we are all part of a global economy. The speed of change in the UK post vote has been significant and shouldn’t be underestimated.

BREXIT – it’s all going to be fine…

As the good news continues to flow, the pro-BREXIT campaigners seem more vitriolic with each passing day (especially in dailies such as the Express, Mail and Telegraph). Perhaps they have the right to be. In this blog I want to explore BREXIT and look behind the headlines.

A step into the unknown

The debate around whether the UK should remain or leave the EU was fascinating. On one side you had arguments around the economics, on the other you had a focus on things like immigration, bureaucracy and taking back control of our borders.

Savers left devastated….

An article on the BBC Website had the headline “Savers 'devastated' in August as rates fall below 0.5%” (31 August 2016). It explained that following the cut in interest rates the average cash savings plan was offering between 0.49% for an Easy Access Account and 1.69% for a Five-Year Fixed Bond. The implication was that this was a shock for many.

Interview with Matthew Shepherd Singer/Songwriter

In this interview we talk to Matthew Shepherd, a singer/songwriter based in Essex. He has released two EPs (Sunny on the Southbank and The Sea) and his debut album was released in 2015. His album entered the top 100 of the iTunes Singer/Songwriter Chart and he has toured the UK and Europe. Currently unsigned, he manages his music career alongside working as a barrister’s clerk by day.

What happens now?

This will (I promise) be the last of the BREXIT related articles for a time. The one area we haven't covered and which we've been asked about is, ok, so what happens now? With the proviso that what I'm going to write is going to be somewhere between a bit and a lot wrong in many regards, these are our thoughts.

Quarterly Market Update – July 2016

I have been thinking of how to describe the last few weeks and the quote from Vladimir Ulyanov to me best sums it up: “There are decades when nothing happens, and there are weeks when decades happen” The decision to leave the EU caught many by surprise, and we have seen events that would normally take months or years to play out occur in days!

And so it begins

There have been a number of significant events and announcements in the last ten days beyond the historic meltdown of the main political parties, and the resultant soap opera of betrayals and career assassinations that have dominated the news cycle.

Investing in troubled times

In some shape or form we all have money that is at the mercy of the stock markets whether it is our pension and/or savings. Choosing the “right” investment can be tricky and even when we think we have the right blend something happens that makes us question what we are doing.

Interview with Victoria Klewin, Singer/Songwriter

In this interview we talk to Victoria Klewin, a professional vocalist and songwriter based in Bristol. Gigging since she was 14 she is the lead vocalist and songwriter for ‘Victoria Klewin and the TrueTones’. Originally conceived as a cross between vocal jazz and blue-eyed soul, the Bristol 7-piece is all that and more, gracefully merging genres and styles to create music that is as unique as it is engaging and accessible.

Schroders Investment Conference June 2016

In this blog we highlight some key thoughts from the Schroders Investment Conference which took place on 7 June 2016. These are the opinions of Schroders and not an endorsement of what they said.

The Bain of Bremain

We wrote a month ago of the likelihood, it appeared then, of the UK voting to remain as part of the EU. Over the last few weeks however, the mood has shifted to favouring an exit and one issue in particular appears to have been central to this.

BlackRock Investment Conference May 2016

In this blog we highlight some key thoughts from the BlackRock Investment Conference which took place on 25 May 2016. These are the opinions of BlackRock and this is not an endorsement of what they have said.

Our view on Brexit

The current bookmaking odds on a UK exit vote suggest only a slim chance of a Yes. There is still time of course for something like a terrorist outrage to shift sentiment but barring that, the consensus appears to be hardening towards the "better the devil you know" view.

Saving tax legitimately

When “Cameron Gate” hit the headlines journalists were excited because they thought they had something that would topple the government. We saw Sigmundur Gunnlaugsson the Prime Minister of Iceland resign, would the same happen to David Cameron?

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