IPOs offer investors no guarantees

26 August 2014 15:40

Can it really be a decade since Google floated on the US stock exchange?It feels more like a couple of years since the omnipresent organisation made the leap from Silicon Valley start-up to sought-after technology stock, yet the accession from private...

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More bank holidays? Don't be daft

21 August 2014 10:38

It was once called ‘experience’, although those who frequently and unnecessarily revise and reinterpret our language in the interests of making it ‘more accessible’, whatever that means, now refer to the sensation or process and / or its repercussions...

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Sandwich generation loaded with unforeseen burdens

14 August 2014 10:20

Upon first hearing the phrase ‘the sandwich generation’, you may, as I did, assume it’s an oblique reference to youngsters’ changing eating habits. “Better than burgers,” I mused, initially, until someone mentioned how important it is for this apparently...

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Northern view of happiness vindicated

07 August 2014 13:01

During an Easter break from university in the late seventies, I invited a pal, who lived in Kent, to come and stay at my parents’ house for a few days. He borrowed his mother’s car, naturally, and drove up to the ‘frozen north’ as it was habitually...

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Reflections on this week's visit to Glasgow

02 August 2014 10:37

It would have been difficult not to go to Glasgow during the Commonwealth Games, especially as we had a long-standing invitation to stay with some friends who live in the wonderfully-named Milton of Campsie, just outside of what is surely Britain’s...

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More radical action required from Osborne

28 July 2014 14:49

This week’s personal finance news has been dominated by the confirmation that George Osborne’s radical Budget announcements regarding pensions will, as anticipated, pass into law. The news, coupled with a long-forgotten report issued by the Department...

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Years of hurt set to continue for savers

08 July 2014 17:28

Is it really seven years? The credit crunch had hardly been heard of seven years ago, let alone identified as an impending financial disaster that would change the world and obliterate great swaths of individual, governmental and corporate wealth.In June...

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Research before using new ISA limit

03 July 2014 10:32

Everyone knows there are only two certainties in life: death and taxes.Neither of these absolutely guaranteed aspects of our existence is especially palatable, not least because each deprives us of opportunity. Death obviously so, while taxes dent our...

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Consider tapping into TEPs

25 June 2014 12:14

Not everyone has the stomach for equity markets. As a statement of the obvious, that takes some beating, but indirect exposure to shares can pay longer-term dividends. Such a scenario looks even more attractive when a strong, well-established life...

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Just don't mention the 'R' word

18 June 2014 17:12

That perennially difficult, almost unanswerable question, ‘how much is enough?’, is justifiably considered to be the close cousin of another mind-bending conundrum: ‘how long is a piece of string?’. Both fall into the category labelled ‘fiendishly...

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Science? It's little more than guesswork

12 June 2014 17:35

The colourful, A1-sized wallchart is pinned adjacent to my desk and three particularly important dates are carefully highlighted in yellow. Arrangements have been made for Saturday night’s later-than-usual barbeque (weather permitting) and I know...

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An element of risk is essential for successful investing

04 June 2014 18:33

One of the very best (and simplest) inducements to invest, as opposed to merely save cash in a bank account, appeared several years’ ago on the front page of an in-house magazine belonging to the hugely successful firm of financial advisers, Hargreaves...

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Downsizing the modern norm for baby boomers

29 May 2014 18:49

House selling is deemed to be one of the most stressful experiences known to man. I suspect it’s because all of those jobs you’ve been meaning to do for years suddenly find themselves catapulted towards the top of an increasingly long ‘to do’ list.Touching...

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'Buy' signal fails to tempt

22 May 2014 09:20

There’s never a bad time to visit Spain, but travelling towards the nation’s Mediterranean coast in mid-May takes some beating.Furthermore, a willingness to drop everything and head south only a week after booking our trip not only helps from a financial...

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Confidence is one thing - recklessness another

11 May 2014 14:39

I was intrigued by a survey which appeared in the personal finance section of one of the heavyweight Sundays last week.The newspaper in question had commissioned a survey of small investors by a well-known online investment website.Almost half (49 percent)...

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