News and Views

Cash is not king

Whilst most clients keep relatively modest sums of money in bank and Building Society accounts, I do regularly come across some clients who have disproportionately large amounts of money in cash or cash equivalent savings such as Premium Bonds. Research shows that...

read more

RIP off Britain

I returned from an enjoyable family holiday in Dubai recently. To describe Dubai as a surreal experience is very much an understatement. Dubai is one of the 7 Emirates of the United Arab Emirates, which were formed as recently as 1971. When I say Emirate think county....

read more

How to stand out this Christmas

Yes it’s that time of year again. “It’s Christmas" as Noddy Holder of Slade would sing. I don’t know if it is just me but Christmas seems to come round quicker and quicker each year. Maybe that’s just a sign of my ageing. Who knows. Anyhow what I have found over the...

read more

Should we get married?

Believe it or not this is a question I have personally been asked by couples on a few occasions. Once during an annual review with a client couple who had lived together unmarried for 25 years and brought up three adult sons, the wife asked me “Should we get...

read more

The peculiarity of special dividends

I have long since wondered why companies pay one-off so called special dividends to shareholders. I am not a big fan of special dividends. In fact I am not a particular fan of dividends per se. Why is this? I hear you ask. Well although dividends are not officially...

read more

How an 82-year old woman was cured of dementia

I read this story on the Internet a number of weeks ago and, although it is not a personal finance issue, I felt it was such an important subject that I wanted to share it with the followers of my blog. Basically Sylvia Hatzer was suffering from Alzheimer’s Disease up...

read more

What are negative bond yields?

The global stock of negative-yielding debt is now in excess of $17 trillion as rising market volatility lends extra force to this year’s unprecedented bond rally. Thirty percent of all investment-grade securities now bear sub-zero yields, meaning that investors who...

read more

Quantitative easing explained

Ever been puzzled by the term quantitative easing or QE for short? Well you are not the only one. It is of course a euphemism for the printing of money or to be more exact, digitally creating money. Quantitative easing is an unconventional monetary policy in which a...

read more

May you live in interesting times

In 1966 Robert F. Kennedy delivered a speech that included an instance, “There is a Chinese curse which says “May he live in interesting times.” Like it or not, we live in interesting times. They are times of danger and uncertainty; but they are also the most creative...

read more

The advantages of investing in offshore bonds

Bonds mean different things to different people. The reason for this is because there is a myriad of investments known as bonds. For example there are Building Society bonds, bank bonds, government bonds, corporate bonds and investment bonds to name but a few. What I...

read more