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The Amazon Brushing Scam. And Friends…

Have you been ‘brushed’ yet? If not, it’s quite possible that you soon will be… What are we talking about? The latest in a seemingly never-ending series of scams to hit people. According to consumer group Which?, hundreds of thousands of people up and down the UK have received mystery parcels from Amazon, containing goods

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Will COP26 Affect my Savings?

There cannot be anyone reading this article who hasn’t heard of COP26, the conference on climate change and global warming which is taking place in Glasgow in the first two weeks of November. (If you didn’t know, COP stands for Conference of the Parties – those countries which signed the original UN Convention on Climate

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The Budget: Marks out of Ten…

Rishi Sunak, the Chancellor of the Exchequer, delivered his second Budget speech of the year on Wednesday October 27th. It was, he declared at the start of the speech, “a Budget for a new age of optimism”. He sat down an hour later with Conservative backbenchers furiously waving their order papers as he promised “a

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November Market Commentary

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Introduction  October was the month which brought us Chancellor Rishi Sunak’s second Budget of the year. Normally that would make the headlines, but October was also a month when the world gave us plenty to worry about.  With factors such as rising energy prices and supply chain issues impacting economies worldwide, the UK’s economic outlook

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How long until we’re paying with Britcoin?

In the first week of September, El Salvador, a Central American country with a population of just under 7m and ranked 101st in the world according to GDP, created history. It became the first country to accept the cryptocurrency Bitcoin as legal tender.  Millions of people downloaded the government’s new digital wallet which gave away

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Is China heading for a Junk Bond Crisis?

It has been 14 years now, but many of our clients will remember the collapse of Lehman Brothers.  The collapse of Lehmans, a global financial empire founded in 1847, happened in September 2008 and was the climax of the subprime mortgage crisis. Lehman Brothers was notified of a pending downgrade in its credit rating, due

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Could Tiny Homes be the future?

If you want to frighten yourself, type “world population clock” into Google. The figures go up with terrifying speed: the number (as this article was started) was 7,894,590,038 – rapidly approaching 8bn.  In the UK, the latest population figure is 68.32m, but wherever people live, one thing is self-evident: we are going to need more

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The Pensions Triple Lock: broken promises!

At the last General Election the Conservative Government made a promise, a so-called “manifesto commitment.” That pledge is commonly known as the “pensions triple lock:” that the state pension will be increased each year by annual price inflation, average earnings growth or a guaranteed 2.5%, whichever is the greater.  For pensioners this has been good

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What is ESG?

There have been a thousand-and-one articles written since the pandemic on people’s changing attitude to work. Millennials and the generations that follow them – so we are told – want different things from work. Flexibility, the option of working from home and, above all, to work for a company that shares their values: that values

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October Market Commentary

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You will no doubt be aware that September was a month when shortages dominated the headlines. As we will see below, it was by no means a problem confined to the UK: sadly it does not look like a problem that will quickly disappear. We have, for example, written previously about the shortage of semiconductor

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