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Housing and money #thrifty #frugal

Property prices keep going up and rarely go down. Demand constantly outstrips supply because demand increases with the increasing money supply. This sends up housing costs for everyone but particularly for those who are renting. There isn’t much you can do to reduce your housing costs if you’re renting, except to move house or consider applying for housing benefit.

housing and money

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Long-term diversification #investments

Some investments take a long time to come good and are much riskier than the FTSE 100 companies. We can limit risk by diversifying and limiting our exposure quantitatively. These investments often lose money, at least on paper in the short-term, but can give a good return in the long-term.

long-term investments

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Fixing Britains economy #investments

There are lots of ideas bandied about fixing Britains economy but little changes and nothing improves. The government has enormous debts and personal debt is out of control. People mortgage themselves up to the hilt and the add more debt through loans and credit cards. The government is irresponsible and encourages the people to be irresponsible too. The Bank of England doesn’t help with ridiculously low, interest rates. Lack of regulation means we get banks leveraging in order to invest in dodgy companies such as Lehman Brothers and to add to the misery and uncertainty a decision is made to leave the EU by people ill-equipped to make that decision. Us!

fixing Britains economy

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New thinking about the global economy #finance

New thinking?

George Osborne made some interesting comments about quantitative easing and loose monetary policy this week that showed some new thinking:

George Osborne said: “We need to offset the very necessary loose monetary policy and the distributional consequences that it is having. Essentially it makes the rich richer and makes life difficult for ordinary savers.”

“There’s a role for government policy not in stopping that monetary policy which keeps the economy strong but in mitigating its impact. I think all of us who believe in free markets need to work harder to find an answer to the anger that people clearly feel out there.”

This followed on from comments made by the  Bank of England’s deputy governor Minouche Shafik that suggested quantitative easing is here to stay. New thinking at the Bank of England seems to favour QE as a permanent tool of monetary policy.

new  thinking

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Volatile market #investments

To say the London stock market is a volatile market would be an understatement. Next week’s referendum has not only caused uncertainty it has caused panic. What can small investors do? (more…)


Brexit phobia #investments

Brexit phobia?

The EU referendum debate rumbles on and the stock market suffers and so do the balance sheets of investment funds and pension funds. Record low-interest rates have also been hitting pension funds. With half of Britain’s savings wrapped up in these funds and many of them facing bankruptcy we should be worried. Most people don’t seem to worry,  nationalism has taken over their brains. It is the people with real money at stake that are suffering Brexit phobia. (more…)


Pre-loved savings #thrifty

pre-loved

Pre-loved is the modern term for used items that have been looked after by their previous owners and covers everything from baby clothes to well-maintained cars. Lots of goods are available online these days and it can be worth checking out local buy and sell groups on Facebook as well as Ebay. (more…)


Oil price and the global economy

Oil price

Oil underpins the global economy and so a low oil price should be good for the global economy. However, the global economy is out of balance and being manipulated. The global economy should be a free market but it is no such thing. It is a network of trade deals, monopolies and cartels. (more…)


Aware of value #thrifty

aware of value

When we are shopping or buying anything, we can save money just by becoming more aware of value. The cheapest products aren’t always the best value. The expensive products aren’t always the best quality, either. (more…)


Hidden value #investments

hidden value

Hidden value

This week the offer for Premier Foods by McCormick was withdrawn but the offer of 65p a share did show the hidden value in the company. It seems Nissin is still increasing its holding in the company and their joint venture seems a good deal for both parties. Premier’s share price still plummeted down to 42.5. This is still better than it was before the offer. (more…)


Free day out #thrifty

Free day out

Free day out

I went to two local nature reserves on Sunday and apart from the cost of getting there, it was a free day out. I sometimes take a drink and you can take food and have a picnic. Now the weather is improving I will go out more. (more…)


Spreads and commissions #investments

Money made from large spreads

The government is in favour of staying in the European Union and is at pains to tell us that the City of London is at the centre the global finance industry and makes shed loads of money for ’Britain’. You might think they make their money on the stock market spreads and on commissions. (more…)


Market risk #investments

Market risk image

Market risk

Market risk changes constantly. Economic downturns, terrorist risk, perceived risks by rating agencies and political risk all weighs on sentiment. The sentiment that drives buying and selling in the market. (more…)


Bamboo underwear? #thrifty

Thrifty ideas including bamboo products

Yes, I’ve been testing out bamboo underwear. No, not famous brands. I just wanted to find out what it was like. You might think it would be uncomfortable from its name, but quite the opposite it is very comfortable. (more…)


Market makers #investments

money market

Market makers

Market makers seem to trade with no goal except to make money. On the AIM market, they often increase spreads to as much as 20% for no apparent reason. Trying to figure out what they were doing this week was a challenge as usual. (more…)


Lifestyle choices #thrifty #frugal

Thrifty Thursday: lifestyle

Lifestyle

Lifestyle can decide our health, wealth and most other things in life. If you want to lose weight, it’s no good eating a slimming meal once a week. You have to make low-calorie healthy eating a lifestyle choice that influences every meal and snack. If you want to save money, your lifestyle has to influence every financial purchase and decision. (more…)


How to trade on the stock market. #investments

Trading on the stock market is a little like swimming with sharks, then just as you think you have the experience to be safe in the water, you realise it’s full of piranhas too!  It is high risk and you can lose all your money. (more…)


Global risks #investments

When you’re investing in the stock market there are always political and global risks. Will the UK leave the European Union? It could affect trade and so it is a risk. The refugee crisis and the military action in Syria is a risk. As one risk disappears the politicians create another risk, this leads to a volatile market. You can lose money in a volatile market and you can make money. (more…)


A thrifty March #thrifty

According to the marketing men it’s Mothering Sunday and you should all buy cards, flowers, chocolates and a weekend in Paris for mommy. If you don’t, you’re a mean hearted b******. You should also buy everyone a present at Christmas and on their birthdays. Don’t forget to buy Easter eggs this month either! (more…)


Gazing into the crystal ball #investments

All investors need a crystal ball right now. Will Britain leave the EU? Will interest rates change? Will the oil price go up or down? Will Trump be the next president of the United States? Will things get even worse in the Middle East? Will the global economy go back into recession? (more…)


The Gatwick gusher #investments

This week I’ve been following the progress of the oil well at Horse Hill near Gatwick which has been flow-tested with good results. It’s producing about 450 barrels a day which is good for all the small companies involved. For Solo Oil, this is another investment to bring in revenue. (more…)



Easy money? #investments

The other day I read that the majority of members of parliament are now landlords and have their money invested in the London property market. It only needs the government to fund a London building programme to burst that bubble. No wonder they’re all scared of Corbyn getting into number 10! (more…)


Surviving the market turmoil #investments

The all share index on the London stock market is down nearly 4% this week, which is a lot for small private investors. There are some bargains to be had but falling markets have had a devastating effect on the value of portfolios in recent months. We have to think long term and consider buying. (more…)


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