Like borrowing money for a car or a house, government money also needs to be paid back, and that job belongs to Jeremy Hunt. His predecessor said he planned to ignore paying back what we owe so the lenders had him and his boss evicted. It’s interesting to note that…

How to get rich slowly and avoid the puddles. The hullabaloo over gilts has had a knock-on effect with interest rates, and you’ll have noticed that interestingly large rates are now being advertised. We should probably repeat ‘if it looks too good to be true …’,

I’m never sure whether the Chinese regard it as a curse or a blessing to live in interesting times, and I’m pretty sure anyone connected to the media in the UK is having a blast with our current shenanigans. Last week’s newsletter came to you a day early due to Kwasegate, and it happened that we pressed the button a mere five minutes before his disciplinary at the head mistress’s office.

And now again – as I write this on Thursday we’ll try to ensure we

I'm leaving this question in for you - it's rhetorical, but it is very important in setting the right frame of mind for income investing. A quick question to ponder on: are you more anxious about what your income will be in the next 12 months, or in 10 years time?

Baby boomers know about inflation, today’s 60 year old hit teenage years when the price of his Spirograph was shooting up in price by 24%. Spikes always occur, however from 1970 to 1980 the average of the annual inflation rates was 13.3%. Yikes.

This is what’s called macro – it’s to do with wealth in a country, a continent, the world, and within that macro environment we all exist, earn and pay our bills. The macro measures big ticket items, like the price of everything at the factory gate

We draw on Irving Fischer’s book “Money Illusion” and examine what inflation and deflations means to us.

Warren Buffet first invested in Coca Cola in 1988. He (Berkshire Hathaway) now own 400m shares, 9.4% of that company.

As a result, on the 15th March of this year he received a payment of $168,000,000 from Coca Cola. In cash. It’s a quarterly dividend.

The golden goose of low fees and high yields has been the dream for investors and advisers alike and a common way to try and achieve this has been to predict the markets. However, in reality, this is akin to trying to predict the lottery.

Very little work is done to help people understand what risks they face with investments, and you’ll have had ‘investments may fall as well as rise, and you may not get back the money you invested’…until the cows come home.

The government will increase your State Pension for every week you defer it. You delay, they pay. This increase amounts to 1% for every 9 weeks you defer or 5.8% per year. But is it worth it?

A very simple rule that is very important – investment returns are not symmetrical; if you have an investment that falls 20%, it has to then grow by 25% just to get back to where you started.

In our everyday course of business we are constantly assessing investments, and we abide by the rule that if it sounds too good to be true, it probably is. That said, we believe there are three simple concepts you can employ to potentially earn the same return with less risk.

As in every industry, the number of financial planners claiming to be experts are endless, but in reality, very few will give clear, personalised expert advice to those who are not planning investing with gold bars and computer code and mid-Atlantic hotel rooms.

Learn more about how much money you will need and how long it’ll last in retirement.

Investing might seem simple…buy low, sell high right? In reality, investing is a road riddled with potholes and cracks and successfully navigating it isn’t as easy as it might seem.