Your energy bill rose 13% in July because of a waterway most people could not find on a map. Here is the chain, link by link, and no politics. What a Shipping Lane Has to Do With Your Electricity Bill Your energy bill went up by 13 per cent on 1 July. You will have […]
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The Bank of England held rates again, but three of nine voted to raise them. The direction of travel has quietly reversed, and almost nobody noticed. Three People Just Voted to Raise Your Mortgage The Bank of England held interest rates last week, and the coverage was, understandably, brief. Nothing happened. Rates stayed at 3.75
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Crypto has spent years promising to replace traditional finance. Here is the sober, slightly amused list of conditions that would need to be true before that promise became ordinary Tuesday morning reality. I have lost count of the times I have watched a well-dressed speaker declare that crypto is about to eat banking for breakfast.
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The retailer lifted its profit forecast for the third time this year after stronger full-price sales. Here is what one high-street name is really signalling. There is a particular satisfaction in watching a company that sells ordinary clothes and homeware quietly beat expectations and then raise its own targets. Next has done it again. Warmer
Next Raised Its Outlook. Again. Read More »
Another week of headlines about the Strait of Hormuz and oil. Here is why most ordinary investors can keep their existing plan without constant adjustment. I used to believe that serious investors spent their mornings decoding every geopolitical development. Then I noticed that the people who actually compounded capital over decades spent far less time
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London shares opened higher as oil dropped on hopes of opening the Hormuz; miners gained, energy lagged. Here is what the move actually tells an ordinary investor. There is a particular rhythm to market mornings when a geopolitical headline collides with a price chart. Futures point higher, the index opens in the green, and the
The FTSE Rose. The Oil Price Fell. So What. Read More »
How to invest in stocks in the UK, explained calmly and without the jargon. What shares are, how to buy them, the costs, and what can go wrong. How to Invest in Stocks A calm beginner’s guide, without the jargon or the urgency Most guides on how to invest in stocks make you feel late.
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You can rebuild savings. You cannot rebuild a decade. On health, time, faith, and the things wealth was supposed to be protecting all along. What Money Cannot Buy Back? I spend most of my time writing about how to grow money, so allow me one piece on the other half of the equation: the half
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Emerging markets returned 33.6% in 2025, and most British portfolios hold almost none. Here is the growth story, and the awkward small print underneath it. Emerging Markets: Where the Growth Actually Is In 2025, the MSCI Emerging Markets Index returned 33.6 per cent. The S&P 500, which absorbs roughly all of the oxygen in any
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Investment fees are small, invisible and utterly relentless. Over thirty years, they can quietly take more from you than any market crash. The Fees You Cannot See I want to tell you about the most expensive thing in your investment portfolio, and it is not a bad decision you made. It is a number so
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