Introduction For the second month in a row, we went back to the previous month’s Commentary before we wrote a word. How did we leave April in this rapidly changing world? With the Prime Minister having just come out of hospital and having become the father of a baby boy. With plenty of bad news …
Why it’s important to raise your financial awareness In today’s changing world we now have time to reflect on our behaviours and start gaining financial awareness and understanding our actions. Life is about choices, and our future lifestyle and security is about the choices we make today. I would like to share …
Many workers have lost their jobs, accepted part-time hours or been put on furlough as a result of the economic disruption caused by COVID-19. According to the Centre for Economics and Business Research, British households will see a drop in their disposable income of £515 a month – that’s £14.2bn for the country overall. So …
Introduction Right now, even a week seems a long time in the news agenda. Remembering the end of March, when we wrote our last Market Commentary, feels like looking back into a different era. Reflecting back, how did we leave March? With the US having overtaken China as the country with the most confirmed cases …
How to Budget: A Step-by-Step Guide to Creating and Managing a Budget Today I’m going to show you exactly how to create and manage a budget. In fact, this is the exact process that I use to achieve my financial goals. So, if you want to live a debt-free life and take control …
The daffodils and crocuses are beginning to appear, the trees are blossoming and the days are getting lighter. Spring is definitely on its way. Traditionally, this was the time to do the big annual household clean. Now that fewer homes are heated by coal fires, with all their soot and grime, this is no longer …
A new polymer “Turner” £20 note entered circulation at the end of February which the Bank of England claims is its most secure banknote ever. The new note replaces the ‘’Adam Smith’’ £20 note that has been in circulation since 2007. Artist JMW Turner is the new face of the £20 note. He is considered …
19th March 2020 We are sure you have been following the news about recent world events including Coronavirus and Oil and the impact this is having on the investment markets. With this in mind, we have asked two Discretionary Fund Managers, Newscape and Vestra, to comment on the situation and how it has affected their …
Introduction So was it the Coronavirus Budget, or the Infrastructure Budget? Or was it, as the Chancellor declared at the end of his speech, the ‘people’s Budget from a people’s government?’ It was certainly a Budget that was high on spending commitments and one that the Chancellor declared would ‘get things done.’ Now where have …
There has been much talk in the financial press recently of proposed changes to the threshold for the tapered annual allowance from £110,000 to £150,000. The taper was introduced in 2016 and gradually reduces the annual allowance for those on high incomes. For every £2 of adjusted income above £150,000 a year, £1 of annual …
