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Is it time to abandon diversification?

For many years it has been the accepted wisdom that you should diversify your investment portfolio. That means diversifying by types of investments – with say, your exposure to the stock market balanced by more cautious investments in bonds and, perhaps, funds that invest in property. Common wisdom says you should also diversify geographically – […]

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Lockdown leads to record number of new businesses

In the middle of May pubs and restaurants reopened after lockdown. Finally, we could have a drink or a meal inside. But what was noticeable was the number of pubs and restaurants that didn’t reopen. Speaking on the BBC News, the owner of one establishment gave a very simple explanation: “we cannot get the staff.” […]

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The Beijing Billionaires

For the last seven years the title of the city with the most billionaires has been held by New York, but this year a new name has taken over and that city is Beijing. According to the latest Forbes annual rich list, the Chinese capital added 33 billionaires last year, taking its total to 100 […]

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Could the UK have its own digital currency?

At a seminar in March, Haruhiko Kuroda, Governor of the Bank of Japan, suggested that the central bank should immediately start “preparing thoroughly” for a future with its own cryptocurrency. While there were no immediate plans to introduce a cryptocurrency Kuroda stressed the importance of being ‘thoroughly prepared’ should the need arise. In April it […]

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What is Bitcoin? And Could it Replace Cash?

In February, Elon Musk, the world’s richest man and boss of carmaker Tesla, announced that his firm had bought $1.5bn (£1.1bn) of the cryptocurrency Bitcoin and expects to start accepting it as payment in the future. The announcement caused the price of Bitcoin to jump to $44,220 (£32,072) –  a rise of 17% and a […]

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Is your Online Data Safe?

The last twelve months have been notable for many things: one of them, sadly, has been the rapid increase in cybercrime as criminals look to prey on the lonely and vulnerable. To take one very simple example, the BBC reported last month that romance fraud – cheating someone out of money by pretending to want […]

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Could we see Negative Interest Rates in the UK

In February, the Daily Telegraph had a headline which must have alarmed savers up and down the land: ‘Savers face threat of negative interest rates.’ According to the story, the Bank of England had told the clearing banks that they ‘must be ready to introduce the policy in the next six months.’ What are negative […]

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Can the British High Street be Saved?

Back in 2018 Mike Ashley, owner of Sports Direct and other high street brands, famously declared that ‘the British high street will be dead by 2030.’ The targets of his anger were MPs in general and the then-Chancellor Philip Hammond in particular. Any more taxes on the high street, Ashley argued, and it would collapse […]

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Can Investing in one Company make you a Millionaire?

We all know that investments can rise and fall in value. That a prudent investor spreads their risk across different sectors and across different markets. And we all remember our very first financial adviser, our Grandma, who told us not to put all our eggs in one basket. But between Christmas and New Year there […]

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The challenge of maintaining healthy habits in lockdown

It can be difficult for anyone to maintain good habits and easy to fall into less helpful ones at the best of times. Those challenges are only made more difficult by the added pressures we all feel while navigating our way through a pandemic, and particularly in lockdown. In fact, a study published in Frontiers […]

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