Met Office data shows that April is the month with the most rain showers on average1. It’s due to jet stream movement, pressure systems, and many other variables all interacting – ‘Chaos Theory’ at work2. This makes it very difficult to predict exactly where and when showers will occur, and […]
The terrible events in the Ukraine have caused ripples across the globe. From a personal perspective, the suffering and hardship of all people involved in the conflict will no doubt be very much in the thoughts of us all. Many of you will also have been hearing of the impact […]
The cost of cash
“Cash is like oxygen – you want to be sure it’s around, but you don’t need to have excessive amounts of it around” – Warren Buffet.
So how much cash should we hold?
- A couple holding cash ISAs may be missing out on £15,368 of real return over […]
Welcome to my monthly blog post. I hope you are well and find this month’s post of interest.
If you are an employee, you may be fortunate enough to receive a bonus, a reflection of your contribution to your employer. If you are expecting a bonus sometime soon, you may already […]
Presents, cards, meals, hugs are all forms of giving thanks to others, and this time of year is of course particularly special. It’s also a time to give thanks for what we personally have achieved (not just materialistic items). Have you thought about the science behind giving thanks – gratitude?
Yes, I know, it is budget time again. Yippee! The older I get, the more I notice that my friends and I seem to take more notice of the full range of topics covered in the Chancellor’s announcements (and not just the price of alcohol and petrol!).
There are many guides […]
We must talk about…mmm… mmmmm… money (how very un-British!)
This is not an article about inheritance tax planning, per se. Although, I can certainly help if you want advice on the subject and help you not miss out on the valuable allowances available. However, this is an article about highlighting the […]
It’s harvest time in the farming calendar. Land management has proven that the timing and order in which crops are harvested makes a great deal of difference to the yield. Some factors are relatively predictable, such as when a crop is likely to be ready. Other factors are very uncertain, […]
The images used in retirement marketing often show deck chairs on sunset beaches, golf courses and cruises. It is often portrayed as ‘the longest holiday of your life.’ However, behavioural research continues to challenge that reality:
- 52% of people surveyed, expected to continue working after ‘retirement’*. This so called ‘Working […]