In the summer of 2016, I wrote an article about the Panama Papers, the offshore industry and international taxation. The article was brief, but decried the lack of transparency which seemed to be costing the world dearly in lost tax revenues. It’s been pretty much half a year since I wrote that article and I […]
What has happened to the Offshore Industry since the Panama Papers? Read More »
When the financial services sector (and most global economies) fell off a cliff in 2007/08, savings rates fell with them. Several years (and many interest cuts) later, I decided to take the plunge and invest some money with Zopa Loans. At the time, I wasn’t sure whether the company would survive or if I’d ever
Ever since my parents passed away, I’ve aspired to own my own property – not as an investment, but as a home. Consequently, I’ve spent many years squirreling money away to put towards a deposit and eagerly reading any information I could find on the financing of property deals. When I was younger, I assumed
Being a business student, I find the structure and thinking of much of the business world a useful lens for viewing aspects of my personal life. Once a year, I imagine sitting with my ‘board’ and presenting my progress for the year. If I’ve done well, I could imagine that external investors (my girlfriend, my
If your household were a company, would it be an attractive investment? Read More »
For many people, achieving income from savings and investments has been a struggle for the better part of ten years. With interest rates at record lows of 0.25%, the interest from cash deposits is negligible and unlikely to improve soon. The search for income is becoming increasingly difficult in an environment of low-interest rates, but that
The search for income in an environment of low interest rates Read More »
The ability to acquire income generating assets is an essential part of achieving financial independence. If you can generate enough income from your savings, investments and business ventures, you can effectively ‘retire’ from the 9-5 grind of every day employment. For many people, this might seem like a pipe-dream, but it’s a serious goal of
There are many criteria I consider when making an investment in a stock. Among them is the price relative to historical value; does it look cheap, or is it at an ‘all-time high’? In theory, if I believe a company to be solid, short-term fluctuations in price are meaningless, so a falling value only encourages
With constant reports of incomes being squeezed, house prices rising, and new fears about inflation ticking upwards, are you making the most of your money? In my opinion, the most efficient way to generate an income is to utilise tax-free allowances to maximise your tax-free income. To those that follow personal finance, you’ll know that ever
As some of you may know, when I first left University, I took up work with a company called Field Associates. It was a small business which positioned itself in the market as a ’growth consultancy and business brokerage’. What I came to learn was that this company handled a range of small business opportunities
With the most recent Conservative Outrage being the upending and reduction of working and child tax credits, an often heard argument is that if the government were serious balancing the books and creating an equal society, that they would go after tax evaders, rather than the defenceless working poor. One of the most interesting facets
With August nearly coming to a close, and with the final month of Q3 approaching, how many readers can safely say that they have spent their budget wisely for this financial year? Businesses carry out budgeting exercises for a range of reasons, but primarily to plan and allocate funds to the activities deemed necessary for
One of the most well developed dichotomies of the modern world is the division between successful business and social responsibility. For me the most important debate during the 2015 UK Elections was about big businesses, and the wealthy members of our society paying their ‘fair share’. As ’ The Ethical Entrepreneur’, I believe that the success
