Category: Blog

We are all familiar with the Millenials (Generation Y) and the Baby Boomers generations but sandwiched between them is the forgotten generation. Generation X. These are people born between the mid-1960s and the early-1980s. Members of this group are approaching the middle of their working…

Whether you are of Generation X, Y (Millennial) or Z demographic age group what you have in common is that you were born in one of the generations after the so-called baby boomers who are aged 55 plus. Of these generations, the focus of this…

If you are a young person reading this blog by which I mean someone just turned 18 or who will become 18 by the beginning of 2029 then the information contained in it may well be very valuable to you. This blog is equally of…

At the time of writing, in late August 2020, the UK government is considering introducing negative interest rates for the first time in its history. The UK base rate was reduced from 0.75% to 0.1% in March this year. In the US the rate is…

At the time of writing, in early August 2020, the UK is gradually emerging out of the coronavirus pandemic into the so-called “new normal.” How long it will take to get back to normal, nobody knows. Judging by past pandemics in history it seems likely…

I recently read the book The Accumulation Effect, which was written by a friend of mine, Stephen Oliver, who runs a successful company called The Will Company in Northampton. The basic principle of the book is that whatever you do, good or bad, the repetition…

Open banking was first introduced in the UK on the 13th of January 2018.  You’ve been able to let third-party providers such as budgeting apps access your bank account data since then and you are protected when you do so – as long as the…

It is a commonly held view that debt is bad for you but there are certain circumstances in which debt can be good for you. Take for example mortgages.   Most people need a mortgage to buy a property.  Without the ability to borrow money most …

I recently read a story about a company called Fund Expert whose investment strategy involves putting all of your money into a single fund every 6 months.  It sounds like a recipe for disaster but the returns this strategy have achieved between 1 September 1995…