House prices are up 2.2 per cent while asking prices fall. That gap is the whole story of the UK property market right now. I once watched a seller lose eleven months and roughly forty thousand pounds by refusing to move on price. Not to a crash. To the passage of time. Every few weeks […]
The Housing Market Is Sorting, Not Falling Read More »
Evergreen and perpetual funds are being sold to ordinary investors like mutual funds. The word perpetual describes the fund’s life, not yours. Years ago I owned something I had been assured I could sell whenever I liked. And I could. Just not on the morning I actually needed to, and not at anything close to
Perpetual Does Not Mean You Can Leave Read More »
Private credit is under strain for the first time at scale. Here is what it is, why regulators are watching, and what it means for ordinary investors. The most expensive lesson I ever learned about yield came from a product that paid beautifully right up until the month it did not. Nobody had lied to
The Lending Market You Never Chose Read More »
New research says intermittent fasting keeps weight off for a year. The reason has less to do with the clock than you think. I have started more elaborate health plans than I care to admit. Colour coded, weighed, logged, each one built on the assumption that I would become a slightly different person on the
The Eating Window Is Not the Magic Read More »
The price tag tells you what something costs to begin. It says nothing about what it costs to continue, and continuing is where most plans quietly fall apart. Lifestyle · Living Well · Money and Real Life Anyone can buy a horse. The stable is where the story gets interesting. I learned this from a
You Can Afford It. Can You Keep It? Read More »
A dividend is a company paying you part of its profit. Here is how it works, why the yield number misleads people, and what I look at instead. Explainer · Stocks · Income May I explain something that took me far too long to understand, mostly because everybody assumed I already had? When you own
Getting Paid to Wait: Dividends, Plainly Read More »
You can rebuild a portfolio in a few good years. Rebuilding a body takes rather longer. Why I treat strength as the asset the whole plan depends on. Lifestyle · Health and Fitness · Longevity Nobody puts their body on a balance sheet, which is convenient, because it is the one asset most of us
The Asset That Carries Everything Else Read More »
Petrol is falling, jet fuel is still tight, and the Strait of Hormuz keeps changing its mind. This is how I plan a summer around a market that refuses to sit still. News · Energy · Travel Let me guess how this went in your house. Somebody said we should book something. Somebody else said,
Cheap Fuel, Nervous Airlines and Your Holiday Read More »
England’s bus fare cap drops to £2 in January. Here is what a small repeating saving is really worth, and the habit that decides whether you ever see it. News · UK Policy · Everyday Money A pound does not sound like anything. That is exactly why it works, and exactly why it disappears. From
Two Pounds a Journey, and What You Do With It Read More »
UK inflation fell to 2.6% in June. The number that matters next is not your shopping bill; it is what the Bank of England decides to do about rates. News · Macro · Cost of Living The number lands at seven in the morning, the way it always does, and by the time the kettle
Inflation Fell. Now Watch What Your Savings Do. Read More »
