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September 2nd, 2016

#11 — You can't go wrong with bricks and mortar?

The extent to which we human beings have great big blind spots never ceases to amaze me. Some of these are fundamentally amusing (80% of men rate themselves as ‘above average’ drivers for example) but many such blind spots are actually properly harmful to our health and happiness. As Mark Twain alle...

by Andrew Craig

Founder & CEO

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July 25th, 2016

#10 — 35.75% regardless of Brexit

Three weeks ago I wrote about why we should probably all calm down about the whole Brexit situation (I would have written again sooner but there has been the small matter of getting married and snatching a one-week ‘mini-moon’ since my last email). Aside from including various evidence in that piec...

by Andrew Craig

Founder & CEO

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June 27th, 2016

#9 — Nothing to fear but fear itself?

My fiancée might disagree but I think I’m generally a fairly even tempered kind of individual. These days it takes a fair bit to get me worked up or make me depressed. That said, negative emotions like fear, depression and rampant pessimism are horribly infectious (just ask Darth Vad...

by Andrew Craig

Founder & CEO

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June 9th, 2016

#8 — You get what you focus on - Nonsense or Neuroscience?

Have you ever had that experience where you finally decide on the make and model of car you intend to buy and suddenly, as if by magic you see those particular cars absolutely everywhere?  You’ve never really noticed them before but now they are everywhere you look. Obviously, there is ...

by Andrew Craig

Founder & CEO

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May 30th, 2016

#7 — Pensions vs. Brexit

To date, I have been reluctant to wade into the Brexit debate for one primary reason: I believe it is simply too hard to predict with any degree of certainty what the real ramifications of either staying or leaving are for this country. I have a few ‘gut feels’ about it a...

by Andrew Craig

Founder & CEO

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April 21st, 2016

#6 — 8 Best Finance Books of All Time

Why Read Finance Books? As part of your ‘own the world’ journey we believe that the information required to make useful and lasting change in our lives can very often be found in the right book. We often hear people say something along the lines of “you can’t learn everythi...

by Andrew Craig

Founder & CEO

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March 23rd, 2016

#5 — 18.51% from "owning the world"

I was prompted to write something today following a lovely email I had recently from a longstanding PEF client and friend. Said email hit my inbox with the title: “18.51%!!! ;-) ”. Attached to the email was a screenshot of their Hargreaves Lansdown account showing that their pension fund (SIPP) is up 18.51% sinc...

by Andrew Craig

Founder & CEO

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January 29th, 2016

#4 — Are you wearing your “glass half full” glasses today?

I’ve written in the past about how we humans are hard-wired to be negative. Historically, this kept us alive. In a world of scarce resources and where other human beings were more likely to inflict physical harm on you than not, it paid to expect the worse. It is fo...

by Andrew Craig

Founder & CEO

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January 17th, 2016

#3 — What to do with £33m?

As you have no doubt seen or read by now, last week David and Carol Martin from the Scottish borders were lucky enough to win £33m on the national lottery… There has never been a better time in history to win £33m. Financial products and services are the best they’ve eve...

by Andrew Craig

Founder & CEO

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January 11th, 2016

#2 — Are you set?

Today I would like to wish you a belated Happy New Year and talk about one resolution that you can easily keep this year – getting “set” financially. By this time in January, you have no doubt been bombarded with the usual blizzard of marketing and advertorial about everything from the sales ...

by Andrew Craig

Founder & CEO

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