16th August 09
I went to a wedding yesterday. I don’t think the Bride and Groom were particularly religious, but it was held in a Church and under Christian doctrine nonetheless. Before we go on, I had better ad...
Read More12th August 09
I am currently dealing with a professional Partnership; the two Partners involved requiring business protection in the form of life insurance. They have worked together for many years, but only for...
Read More9th August 09
Apart from my oft-quoted perception that most people are strangely apathetic when it comes to protecting ‘them and theirs’, I believe the costs of obtaining adequate protection are perceived to be hig...
Read More5th August 09
This Blog has always championed Independent Financial Advisers (IFAs). I believe they provide the widest choice and, often, the greatest expertise. After all, I like all the sizes and all the colo...
Read More2nd August 09
I’m back! Did you miss me? Ok, best to leave it there - don’t ask questions that you probably don’t want to know the answer to… I arranged a Mortgage for a Couple around five years ago. Much as ...
Read More20th July 09
This is probably more what might be called a ‘Micro-Blog’. I will be leaving work in the next half-hour, then having a frantic time ironing, shopping for travel essentials, and packing my large rucks...
Read More15th July 09
Otherwise known as ‘Teaching Granny how to suck eggs’. I always think if you do the basics of any task well, it gives you a good chance to tackle the harder bits. If you don’t take care of the bas...
Read More12th July 09
The band Oasis, the Tour de France, the grand opening of a funeral parlour, a trip to the Dentist, selling a car…what do they have in common? Well, they all feature in my diary over the last week a...
Read More8th July 09
In my Blog of June 14th, I opined thus: “I’ll finish by leading into another topic I feel strongly about and will cover in more depth shortly - ’ New Model Adviser '. This is the FSA’s push (via the ...
Read More4th July 09
I arrived at my office as usual at 8 a.m. on Thursday. At almost exactly 9 a.m., the telephone rang. On the other end of the line was the female Partner (for 38 years) of a male Client of mine. U...
Read More1st July 09
On Tuesday June 16th I published a Blog entitled ‘Re-Mortgaging: Now may be the time to fix’. Was I right? Please read on… As happens when you are an IFA (Independent Financial Adviser), Clients ...
Read More27th June 09
Within the next few days, lse.co.uk launches its Mortgage area, part of the Personal Finance section. It will be an information-led section as lse.co.uk is not Financial Services Authority (FSA) ...
Read More24th June 09
Bar legal or loan-based insurance requirements, i.e. car or buildings, there is no compulsion to insure yourself or your livelihood. I would contest that losing the business you own, and in turn yo...
Read More20th June 09
No particular train of thought here today, more some ruminations over my week and my lot. My Co-Director (My friendly nickname for him: ‘His Lordship’) has been away sunning himself in Spain for th...
Read More16th June 09
On April 15th, I Blogged and asked the question “Mortgage rates: When is a good time to buy your next product?” I think the answer is NOW . Trackers Lenders have understandably re-priced the...
Read More14th June 09
This is part 2 of my ruminations about my recent visit to a conference for Independent Financial Advisers (IFAs) and the investment industry. Definitions: Wrap – A way of seeing all of your finan...
Read More10th June 09
I am up against it today, so sorry for the short, sharp Blog. I will carry through my promise to write again about Platforms and Wraps in the near-future. One item of news that caught my attention...
Read More6th June 09
In my last Blog, I mentioned Wraps and Platforms. I am back from a 2-day conference in Kensington discussing those very topics. The conference was ‘IV’, suggesting it is a yearly event and there h...
Read More2nd June 09
Put simply, ‘Wraps’ is another term to describe how you can have access to all your financial products in one online place. It has most relevance for products such as Pensions and Investments. The...
Read More31st May 09
On Wednesday 29th May, the Financial Ombudsman Service (www.financial-ombudsman.org.uk) published its Annual Review , covering the 2008/2009 financial year. For the uninitiated, the Financial Om...
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