I wasn’t happy that a delivery from Amazon said that I took the item in, when it was just left on the door step.
I got £5 credit after complaining, though for some reason it doesn’t show on your account, not sure how that works out.
Category: Financial Advice
financial advice
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Week 53 – March 1st – Week 9 of lockdown 3 restrictions
We completed the signing of our will today, because of Covid19 this was done in the solictors car park, thankfully it wasn’t raining.
I would recommend to do this.
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Week 49 – February 1st – Week 5 of lockdown 3 restrictions
Had a chat with my market man as there was a lot going on about short selling this week, thankfully nothing came of it, though it was the first time that my pension portfolio had lost in a week. It had to happen at some point.
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Week 45 – January 4th – Week 1 of lockdown 3 restrictions
Making sure that my pension portfolio will hold good for 2021.
Looking at your question of will there be more job losses after furlough ends in April?
Firstly, unemployment levels have been rising throughout the pandemic and as of November the unemployment rate stood at 4.8%, a rise of 0.7% over the previous quarter. This seems to suggest that struggling companies are being allowed to go to the wall even with the government support in place. To those that have not lost their jobs this is good news as zombie companies are not being kept alive artificially and the pain of mass unemployment when the support is pulled is reduced.
We also do not know when the furlough scheme will end as it has already been extended from its previous October deadline and will likely be extended again if the government has to put in place further movement and trading restrictions as we approach the next deadline of the end of April.
With vaccines being rolled out at unprecedented speeds it is hoped that we will be back to a more normal life by the end of the second quarter, assuming we follow the trajectory of countries such as China that were able to deal far more successfully with the virus than ourselves. This would imply that employment rates would in fact rise, which in turn, could lead to inflation (unlikely for a couple of years).
As we have all come to understand throughout this pandemic, our leaders are having to be flexible in their approach regularly moving the goal posts making forecasting an even greater difficulty. However, given the course they have sailed to date I believe it unlikely that a huge wave of job losses will be allowed over a short period of time.
It’s all about STIMULUS.
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Week 44 – December 28th 2020 – Week 2 of Tier 4 restrictions
Always good to raise an issue with a provider or service. Today I got 500 points on my Costa card, for saying how I felt about them having people sitting inside in a tier 4 area.
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Week 44 – December 28th 2020 – Week 2 of Tier 4 restrictions
Feedback from the year and how my portfolio was doing.
Thank you for your email and I agree that 2020 was a difficult year on so many fronts. 2021 offers the potential for further equity price growth but this could simply be because there is no alternative (TINA). With the unpresented levels of stimulus that have been put in place to keep economies going through the pandemic we must now be watchful on how governments and central banks row back from these emergency measures and hope that they have learnt from the taper tantrum of 2013.
According to the valuation I can see this morning the Brewin Dolphin portfolio is now xxxx a gain of nearly 10% since inception in July.
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Week 43 – December 21st 2020 – Week 1 of Tier 4 restrictions
Finally!! An early Christmas present, well for me as I voted to leave. They obviously don’t want any other country to leave after this ridiculous long wait!!
1,645 days after the UK voted to leave the EU, 328 days after we actually departed, the shape of our relationship with our nearest neighbours has been drawn and agreed – only days before the status quo will disappear.
The deal that will determine how we do business with our biggest trading partner.
The deal that both sides desperately wanted to achieve.
But the deal that was not, even though political logic suggested it, inevitable.
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Week 43 – December 21st 2020 – Week 1 of Tier 4 restrictions
This was very true for me in communication with my financial advisor.
All the very best for the festive period and let’s hope 2021 proves another profitable year (something positive did happen in 2020!).
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Week 41 – December 7th 2020 – Week 2 of Tier 2 restrictions
Finance update, regularly check in with them
Global equity markets are continuing to march higher on the back of the roll out of the Covid vaccine, hopes of further stimulus measures, and the recovering of companies and economies. This euphoria is being tempered by rising Covid cases in particular in the US, following the Thanksgiving holiday. The near term outlook remains difficult to call and a small sell off would not be a big surprise but the longer term outlook remains positive for equity investing.
Your SIPP is doing well showing a gain in value of 7.7% since the beginning of the calendar year.
The last trades that were carried out on your portfolio were done in late November with the inclusion of the student accommodation fund, which had seen its price severely affected by Covid19 and I also increased the holding of BNY Mellon Global Dynamic Bond fund, which is in the portfolio for its conservative characteristics.
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Week 39 – November 23rd 2020 – Week 4 of lockdown 2
Comments from my market investor after information I had read about the American Market.
Global equity markets are certainly in a good mood, feeding off the positive news from the vaccine developers. We are also seeing a slight rotation from growth companies into the more valued focused areas of the market thereby broadening the rally and giving it a firmer footing. This is meant to be a quite week for markets with Thanksgiving in the US but is proving to be nothing of the sort.
