War does not determine who is right, war determines who is left.

I read this recently and thought it was interesting enough to share.  It all about something that affects us all and can perhaps help us in our daily life,  not just in connection with financial services. Have you written down your Goals?  Do you struggle to meet them? Is your past littered with examples of […]

There are “warning signs” about the health of the consumer credit market, the director of supervision at the Financial Conduct Authority (FCA) has said. Jonathan Davidson said most of the rise in UK debt levels in recent years has been among better off borrowers and stressed this was not harmful to the economy, but he […]

Man who leaps off cliff jumps to conclusion.  

You enter the Supermarket.  “Bread, butter, toothpaste, onions. Bread, butter, toothpaste, onions. ”  A nearby customer glances at you quizzically as you mumble your list under your breath.  Twenty minutes later, you leave the store with a cart full of food – but no toothpaste! Familiar? You’re not a storage device One of Lifes’ truisms […]

Since the pension reforms of 2015, investors have a greater degree of flexibility and choice when accessing their savings. Significant though the reforms were, they have to be seen within the context of other changes affecting retirement, particularly demographic developments. Accelerating life expectancy Accelerating life expectancy means that a 65-year old man in the UK […]