Annual Footie, Curry & Karaoke

Tweet Every year or so I get together with a group of friends at our ‘away day jaunt’, where we meet up to have a few beers and laughs, with a curry normally thrown in for good measure. Unfortunately, it also involves watching our football team – Sunderland AFC. As we’ve aged we’ve come to [...]

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NHS Pension Contribution Rates 2013/14 – What Are They? – Hot Topics Q & A

Tweet Q. Can you please clarify what I will be asked to pay into the NHS Pension Scheme from April 2013 as I am aware that the contribution percentages are increasing for members? A. Yes, you’re correct. You will need to pay more to be a member of the scheme. Whilst not great news, it’s still an [...]

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Picking Shares & Forecasting The Stockmarket – It’s Cool For Cats!

Tweet You’ve no doubt heard the line about stock picking being better left to blind-folded, dart-throwing orangutans. Now there’s new competition – from cats. The Observer newspaper staged an experiment, pitting a panel of market professionals and a group of students against a ginger feline called Orlando in a competition to see who would have [...]

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Practice Overheads Insurance – Is It Worth It? – Hot Topics Q & A

Tweet Q. I’ve been advised to consider practice overheads insurance. Is it worth it? A. Dental practices and businesses such as accountants and solicitors (and others who work on a fee basis) are exposed to expense, turmoil and risk when it comes to absence of their key people. It can take a long time to build up a loyal [...]

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The ‘Too Good to Be True’ Investing Test – Will You Pass Or Fail?

Tweet Some myths die hard. One is the notion that there are people who can pick winning investments year after year without ever losing money. Take boutique New Zealand investment business Ross Asset Management (RAM), which has gone into receivership owing clients hundreds of millions of dollars. New Zealand’s Serious Fraud Office has launched an [...]

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Home Sweet Home & The Flowchart Wizard Returns!

Tweet We’re in! Our house extension is behind us (bar a few snagging items) and, after just under 6 months living in a rental / at the in-laws, we’re very relieved to be home It’s all come in good time for Christmas of course and we’re busy trying to get the house in shape so [...]

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The Extension Saga & The 10 Investment Excuses (Ray)

Tweet If you’ve been reading my musings over the last few months, you’ll know that I embarked on a house extension back in June. Well, here we are in November and we’re a bit behind schedule enjoying living at the in-laws as our rental came to an end. The builder has provided us with 3 [...]

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The Truth Behind The Headlines – Hot Topics Q & A

Tweet Q. When reading the financial press I find it difficult to find the good news stories amongst the doom and gloom stories. Can you give me any recent examples of good news financial stories? A. Bad news sells. It sells because fear is a more powerful emotion than greed. Newspaper editors know that, which is why [...]

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Why Is It So Hard To Forecast The Financial Markets?

Tweet If some of the smartest people in the world work in financial markets, as is often suggested, why are their forecasts so unreliable? Perhaps the problem starts with the idea that intelligence is related to the ability to correctly and consistently predict the movements of markets and individual securities. A number of factors explain [...]

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Hello Freya & The Retail Distribution Review

Tweet Well, I’m very proud to be a father again! My wife gave birth to our second daughter, Freya Eloise last week. All is well and Freya is progressing nicely    You may have heard that the way in which you can pay for financial advice is changing from January 2013, along with the raising [...]

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