Covid19 the lock down

The walk to the office this evening opened a new sense of perspective to me. The air smelt fresh not laden with Petrol and Diesel Lead. I smoked for the first 20 years of my adult life, so my sense of smell has been depleted over the years, but I still know NO2 or polluted air.

Why can’t our children get a bus to school, or even better walk, why don’t we have decent cycle paths built by the side of the road as standard, yes it might mean relining the odd bit of front garden, but I would give up my one yard of front garden to make room, especially if people used it. For a cleaner air healthy purpose on their bikes.

What has this to do with Covid, nothing it is more to do with the fact that people don’t seem to be making so many unnecessary journeys, social isolation and less people rushing to the high street for their unnecessary Café lattes, which by the way are just as easy to make at home.  Yes not good for the oil based car driven economy.

Oh well in 12 weeks this virus hopefully will be finished, and can we start to continue thinking about living our lives in less polluting sort of way.

PS. If you are thinking of living for a more retired, sedentary life then don’t forget there is always an IFA with a webcam ready to give you some advice, before your funds pile through the floor along with the FTSE.

Enterprise Investment

It is life Jim but not as we know it. 

The great shift from paper to computer, which is how I see my industry changing. OK the fewer trees needed to mass produce reams of paper the better.  (Please note the lack on Australian bush fire and general farming increase in the South American rain forest jokes).

It’s got to be good right, and so have the systems to capture this data and process it, It could save tonnes of human work, but I still believe that people buy from people, not robots.

Having said that a huge amount of data can be easily stored and retrieved using computers, there will be less hunting for that piece of paper with pre-recorded information. A customer could have already typed in their basic credentials. The stuff that takes time to record, there is already tonnes of data stored by banks / insurance companies in this way.   So how could I capitalise on this knowledge and beat the big boys.  EASY   Enterprise Investment that is how !





The begin of everything lie in the foundations. A message to the bridging crowd, look at your portfolio as a whole. the complete hotel, house, caravan etc. Then think about and reassess your goals, why are you in the market trying to sell when you could just be managing your stock. In other words you might want out of a bridge when you could easily switch to a let situation. It might be easier than you think !

The art of being a financial adviser Adivsor.

Well having observed the industry for a number of years I am arriving at the conclusion that most FA’s are a bit like peacocks, the spread their feathers to impress. Hence all the misleading statements about what they can do for you. Yes you, save, spend do as I would like you to do.

So I get paid that is the bottom line, whether the advice is good or bad in the long run, we all need to make a living, and what if you (the customer) feels that the advice was wrong? Do you find another adviser, complain to the FOS? Who knows the right answer because each person is an individual with a different set of hopes, plans at different times of their lives.

Enjoy the good weather because before we know it the days will be getting shorter again.

Reasons to save money.

I am so fortunate I live in a weather proof box, rather too large to heat in the winter and probably not as well insulated as it could be.

This brings me onto education and school, you see what we teach our children will effect our future, maybe there will be plastic free aisles in the supermarkets, and should we look at the way we package our Easter eggs? May be we should teach our children to use the bins or take their rubbish home and not litter the seas or our environment. Blue planet 2 style have made some good points, but I fear there is no escape from plastic it’s just too convenient. Could you really imagine walking into any shop, ahem Supermarket and not buying something wrapped or packaged in plastic? I doubt it would happen in my lifetime, even if the government try and tax single use plastic. The mind shift for consumers is too great, and too expensive to package our food in other ways.

As you can tell I have still not found what I am looking for, and if you want to buy some plastic , most Cars are about 50% plastic these days. Or if you want to get rid of some credit card plastic then get in contact or phone for some advice 07975 581081

2018 has arrived and what has changed?

Where did the time go, the stats look good unemployment is low, interest rates are still at Historic lows. Inflation though is above the target 3% according to the Daily Mail.

Life goes on, more people are at work, most don’t have enough protection to insure against, illness, unemployment etc. And yet the PPI mis-selling scandal goes on until the deadline of August this year. I wonder what all the people who are in employed in PPi mis-selling business will do? Average Wages aren’t rising and yet the cost of living is going up, who bridges the gap, there is no more money?

I am still freelance for about my 10th year which is nothing like working for a bank or an  insurance company I can assure you. Oh well I hope 2018 is good for you, and for me too !